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Our Take on BKB World Mastercard Gold
Same CHF 250,000 coverage and 2,000 annual loyalty points as the Visa. Different network logo.
The BKB World Mastercard Gold is functionally identical to its Visa sibling: same CHF 200 fee (first year CHF 150), same 20,000 welcome points, same 2,000 annual loyalty bonus, same CHF 250,000 medical coverage. The "World" designation is Mastercard's premium tier. Choose based purely on network preference.
What Does "World" Actually Mean?
World Mastercard is Mastercard's premium tier, offering special hotel rates and experiences through Mastercard Priceless. In Switzerland, these extras are marginal. You might save 10% at a participating hotel occasionally, but the real value remains the insurance and loyalty rewards.
The core product is identical to the Visa: up to 2,000 loyalty points annually on top of spending rewards, CHF 250,000 medical coverage abroad, 20,000 welcome points, 1.5 Surprize points per CHF 1 spent.
What Actually Stands Out
Everything practical matches the Visa version. The CHF 250,000 medical coverage protects against catastrophic emergencies abroad. The 2,000 annual loyalty points add roughly CHF 10-20 yearly that other gold cards don't provide. Over 10 years, that's CHF 100-200 in extra rewards.
Standard Priority Pass at EUR 30 per lounge visit. Apple Pay, Google Pay, Samsung Pay, and Garmin Pay all work. The 1.75% FX fee is standard.
What Most Reviews Miss
The loyalty bonus works identically on both BKB's Visa and Mastercard gold cards. Your network choice doesn't affect the loyalty points or any other benefit. The products are identical in every meaningful way.
The "World" perks through Priceless Cities are nice-to-have, not need-to-have. Swiss offerings are limited compared to major international cities. Don't choose this card for the "World" branding; choose it for the combination of insurance and loyalty rewards.
The Bottom Line
A strong gold card for BKB customers, interchangeable with the Visa version. The loyalty rewards compound over time, and the insurance provides genuine protection. Network choice has zero practical impact. Compare alternatives in our best premium credit cards in Switzerland guide.
Verdict: Same excellent value as the Visa Gold. The "World" branding is nice-to-have, not need-to-have.
PROS
- 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
CONS
- High annual fee (CHF 200)
- No concierge service
Card Details
At a Glance
Annual fee
CHF 200
1st Year
CHF 150
Rewards rate
1.5 points/CHF
FX Fee
1.75%
Welcome bonus
20,000 points
Travel insurance coverage
CHF 20,000
Fees & Costs
Fees & Costs
First year annual fee
CHF 150
Annual fee (after first year)
CHF 200
Foreign exchange fee
1.75%
Cash Withdrawal (Domestic)
4% (min CHF 10)
Cash Withdrawal (International)
5.75% (min CHF 10)
Late Payment Fee
CHF 20
Additional Cards
CHF 50/card/year • Up to 2 cards
Rewards Program
Rewards Program
Rewards type
Points
Base rewards rate
1.5 / CHF
Welcome bonus
20,000 points
Insurance & Protection
Insurance & Protection
Travel insurance coverage
CHF 20,000
Medical insurance coverage
CHF 250,000
Purchase protection
CHF 2,000
Card Features
Card Features
Card Network
Mastercard
Card Type
Gold
Currency
CHF, USD, EUR
Minimum income requirement
No income requirement
Monthly spending limit
-
Airport lounge access
Airport lounge access available
Concierge service
Key Features
- 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
Calculate If This Card Is Worth It for You
= CHF 30’000/year
You Pay
CHF 200
per year
You Get Back
CHF 900
estimated value
Bottom Line
+CHF 700
in your pocket
Annual calculation:
CHF 30’000/yr × 1.5 points/CHF × 1 ct
20’000 points × 1 ct
Move the slider to see how your spending affects the card's value. Miles: 1.5 ct, points: 1 ct.
Rating by Category
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Frequently Asked Questions
- 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.
How We Rated This Card
Wondering why BKB World Mastercard Gold got its score? We rate Premium cards using a weighted formula. Here's what counts:
Same formula for every card in this category. No exceptions.
See our full rating methodologyReady to Apply?
Apply for the BKB World Mastercard Gold today and start enjoying its benefits.