BKB World Mastercard GoldBKB
Premium
Gold

BKB World Mastercard Gold

BKB

Overall Rating

4.3/5

Annual fee

CHF 200

1st year: CHF 150

Network

Mastercard

Rewards Type

Points

Welcome bonus

20,000 points

Also good for

Cashback
Travel (miles)

Our Take on BKB World Mastercard Gold

Your Swiss Finance Companion
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.

Best For: 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
Consider Alternatives If: 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)

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

Apple Pay
Contactless payments
Airport lounge access
Mastercard

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 type

Points

Base rewards rate

1.5 / CHF

Welcome bonus

20,000 points

Insurance & Protection

Travel insurance coverage

CHF 20,000

Medical insurance coverage

CHF 250,000

Purchase protection

CHF 2,000

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 2’500/mo

= 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:

Rewards earnedCHF 450

CHF 30’000/yr × 1.5 points/CHF × 1 ct

Welcome bonus (1st year)≈ CHF 200

20’000 points × 1 ct

Travel & medical insurance≈ CHF 180
Airport lounge access≈ CHF 70
Total benefitsCHF 900
Annual fee- CHF 200
Net value+CHF 700

Move the slider to see how your spending affects the card's value. Miles: 1.5 ct, points: 1 ct.

Rating by Category

Cashback

116 cards

3.2
#81/ 116

Top 70%

#116#1
View top cards

Premium

122 cards

4.3
#11/ 122

Top 9%

#122#1
View top cards

Travel (miles)

45 cards

2.3
#13/ 45

Top 29%

#45#1
View top cards

Compare to Other Cards

BancaStato Visa Gold

BancaStato Visa Gold

BancaStato

4.3
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BKB World Mastercard Gold

BKB World Mastercard Gold

BKB

4.3
Apply now
Annual feeCHF 200
Annual feeCHF 200
Rewards rate1.5 points/CHF
Rewards rate1.5 points/CHF
Welcome bonus20000 points
Welcome bonus20000 points

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:

Insurance Coverage (35%)
Perks (30%)
Customer Satisfaction (25%)
Fee Tier (10%)

Same formula for every card in this category. No exceptions.

See our full rating methodology

Ready to Apply?

Apply for the BKB World Mastercard Gold today and start enjoying its benefits.