BKB World Mastercard GoldBKB
Premium
Gold

BKB World Mastercard Gold

BKB

Valutazione Complessiva

4.3/5

Quota annuale

CHF 200

1° anno: CHF 150

Circuito

Mastercard

Tipo di Premi

Points

Bonus di benvenuto

20,000 points

Buona anche per

Cashback
Viaggio (miles)

Il Nostro Parere su BKB World Mastercard Gold

Il tuo compagno finanziario svizzero
Adrien Missioux
Adrien Missioux

CHF 250,000 medical coverage plus up to 2,000 bonus points every year. First year CHF 150.

The BKB World Mastercard Gold combines serious travel insurance with an annual loyalty bonus that most gold cards don't offer. At CHF 200 (first year CHF 150) with 20,000 welcome points, it rewards both new and long-term customers. BKB also offers this on Visa with identical benefits, so your network choice is about preference. See also the BKB Visa Gold.

Is CHF 200 Worth It?

The insurance math is compelling. CHF 250,000 medical coverage abroad costs CHF 150-200 as standalone travel insurance. Add the CHF 20,000 trip cancellation and CHF 15,000 trip interruption (worth CHF 50-80 standalone), and you're looking at CHF 200-280 in protection value.

At the CHF 150 first-year price, plus the 20,000 welcome Surprize points (worth CHF 100-150), year one is a clear win. Ongoing, the up to 2,000 loyalty points annually (worth CHF 10-20) add value that competing gold cards don't match. Over 10 years, that's CHF 100-200 in extra rewards.

What Actually Stands Out

The annual loyalty bonus is genuinely unusual at gold tier. You earn 1.5 Surprize points per CHF 1 spent (standard), but the 2,000 bonus points each year acknowledge ongoing customers. Most gold cards offer a welcome bonus then forget about retention. BKB rewards the relationship.

The CHF 250,000 medical coverage handles real emergencies: helicopter evacuations, US hospital stays, serious injuries abroad. Standard Priority Pass at EUR 30 per visit adds lounge comfort. World Mastercard perks through Priceless Cities offer minor hotel discounts as a bonus. Our lounge access guide compares every Swiss card with lounge perks.

What Most Reviews Miss

The insurance only covers trips booked with this card. Pay for flights with a debit card? The coverage doesn't apply. Always use your BKB card for travel purchases if you want the protection. Coverage doesn't apply within Switzerland either.

The loyalty points cap at 2,000 annually. The exact earning depends on terms that may change. It's a solid differentiator, but the core value remains the insurance. Choose this card for the combination of protection and ongoing rewards, not the loyalty bonus alone.

The Bottom Line

A gold card that rewards loyalty and provides genuine emergency protection. The first-year discount, annual bonus points, and substantial insurance make it a strong proposition for BKB customers who travel internationally. Compare alternatives in our best premium credit cards in Switzerland guide.

Verdict: Excellent for long-term holders. The loyalty structure and insurance together make this one of the better gold card propositions for Basel residents.

Ideale per: BKB customers planning to hold the card for years (the loyalty points compound), international travelers wanting CHF 250,000 medical coverage at standard gold pricing, those who appreciate earning ongoing loyalty points beyond just welcome bonuses
Considera alternative se: you switch cards frequently for sign-up bonuses (the loyalty structure won't benefit you), you want unlimited free lounge access (this charges EUR 30 per visit), you don't bank with BKB (equivalent cards with different features exist elsewhere)

PRO

  • 20000 welcome bonus points
  • Travel insurance coverage up to CHF 20,000
  • Up to CHF 250,000 coverage for medical expenses
  • Airport lounge access
  • Apple Pay compatible
  • Contactless payments for convenient transactions
  • 1 welcome bonus points
  • Up to 250,000 Swiss francs medical insurance coverage per incident for travel

CONTRO

  • High annual fee (CHF 200)
  • No concierge service

Dettagli della carta

In sintesi

Quota annuale

CHF 200

1° anno

CHF 150

Tasso premi

1.5 punti/CHF

Comm. FX

1.75%

Bonus di benvenuto

20,000 points

Copertura assicurativa viaggio

CHF 20,000

Apple Pay
Pagamenti contactless
Accesso alle lounge aeroportuali
Mastercard

Commissioni e Costi

Quota annuale primo anno

CHF 150

Quota annuale (dopo il primo anno)

CHF 200

Commissione valuta estera

1.75%

Prelievo Contanti (Nazionale)

4% (min CHF 10)

Prelievo Contanti (Internazionale)

5.75% (min CHF 10)

Commissione Ritardo Pagamento

CHF 20

Carte aggiuntive

CHF 50/carta/anno • Fino a 2 carte

Programma Premi

Tipo di premi

Points

Tasso premi base

1.5 / CHF

Bonus di benvenuto

20,000 points

Assicurazione e Protezione

Copertura assicurativa viaggio

CHF 20,000

Copertura assicurativa medica

CHF 250,000

Protezione degli acquisti

CHF 2,000

Caratteristiche della Carta

Circuito della Carta

Mastercard

Tipo di Carta

Gold

Valuta

CHF, USD, EUR

Requisito di reddito minimo

Nessun requisito di reddito

Limite di spesa mensile

-

Accesso alle lounge aeroportuali

Accesso alle lounge aeroportuali disponibile

Servizio di concierge

Caratteristiche Principali

  • 1 welcome bonus points
  • Up to 250,000 Swiss francs medical insurance coverage per incident for travel
  • Standard Priority Pass membership
  • Multiple mobile payment options
  • Contactless payments for convenient transactions

Calcola se questa carta ne vale la pena per te

CHF 2’500/mo

= CHF 30’000/year

Paghi

CHF 200

all'anno

Ricevi

CHF 900

valore stimato

In sintesi

+CHF 700

in tasca

Calcolo annuale:

Premi guadagnatiCHF 450

CHF 30’000/yr × 1.5 points/CHF × 1 ct

Bonus di benvenuto (1° anno)≈ CHF 200

20’000 points × 1 ct

Assicurazione viaggio e salute≈ CHF 180
Accesso alle lounge≈ CHF 70
Totale beneficiCHF 900
Quota annuale- CHF 200
Valore netto+CHF 700

Sposta il cursore per vedere il valore. Miles: 1,5 ct, punti: 1 ct.

Valutazione per Categoria

Cashback

116 cards

3.2
#81/ 116

Top 70%

#116#1
Vedi le migliori carte

Premium

122 cards

4.3
#11/ 122

Top 9%

#122#1
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Viaggio (miles)

45 cards

2.3
#13/ 45

Top 29%

#45#1
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Confronta con altre carte

BancaStato Visa Gold

BancaStato Visa Gold

BancaStato

4.3
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BKB World Mastercard Gold

BKB World Mastercard Gold

BKB

4.3
Richiedi ora
Quota annualeCHF 200
Quota annualeCHF 200
Tasso premi1.5 points/CHF
Tasso premi1.5 points/CHF
Bonus di benvenuto20000 points
Bonus di benvenuto20000 points

Domande frequenti

What is the annual fee for the BKB World Mastercard Gold?
The BKB World Mastercard Gold has a promotional first year fee of CHF 150, then CHF 200 per year afterwards.
What are the foreign transaction fees for the BKB World Mastercard Gold?
The BKB World Mastercard Gold charges a 1.75% foreign exchange fee on international transactions.
What rewards does the BKB World Mastercard Gold offer?
The BKB World Mastercard Gold offers points rewards at a base rate of 1.5 per CHF spent.
What insurance coverage does the BKB World Mastercard Gold include?
The BKB World Mastercard Gold includes travel insurance up to CHF 20,000 and medical coverage up to CHF 250,000 abroad.
Does the BKB World Mastercard Gold include airport lounge access?
Yes, the BKB World Mastercard Gold includes airport lounge access through Priority Pass or partner programs.
Is the BKB World Mastercard Gold compatible with Apple Pay?
Yes, the BKB World Mastercard Gold is fully compatible with Apple Pay for contactless mobile payments.

Come abbiamo valutato questa carta

Ti chiedi perché BKB World Mastercard Gold ha questo punteggio? Valutiamo le carte Premium con una formula ponderata. Ecco cosa conta:

Copertura assicurativa (35%)
Vantaggi (30%)
Soddisfazione cliente (25%)
Livello commissioni (10%)

Stessa formula per ogni carta in questa categoria. Senza eccezioni.

Vedi la nostra metodologia completa

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