Bonus Card Mastercard Classic

Double points on every purchase abroad for CHF 48. Most cards penalize foreign spending. This one rewards it.

The Bonus Card Mastercard Classic flips the usual Swiss card logic: instead of just charging extra FX fees on international purchases, the MyCountry program doubles your points abroad. At CHF 48 annually, it's a budget-friendly option for shoppers who buy from foreign websites or travel frequently. Bonus Card also offers this on Visa with identical benefits. See also the Bonus Card Visa Classic.

Is CHF 48 Worth It?

It depends on where you spend. MyCountry doubles your Bonus points on all purchases abroad. At partner merchants, you earn up to 5 points per CHF 5; elsewhere, 1 point per CHF 5. Points redeem at 2 points = 1 centime, giving you 0.5-2% effective returns depending on where you shop.

Spend CHF 5,000 abroad annually at double points (10,000 points) and that's roughly CHF 50 in redemptions. The card pays for itself. Add domestic spending at Bonus partners, and returns climb further. For anyone spending in foreign currencies, this is genuinely competitive.

What Actually Stands Out

The MyCountry double points abroad is the headline feature. Most Swiss cards charge 1.75-2.5% FX fees and offer no bonus for international spending. This card charges 2% FX fee (slightly above average) but compensates with doubled rewards. The net effect can be positive for international purchases.

Apple Pay, Google Pay, Samsung Pay, and Garmin Pay all work. Additional cards cost CHF 24 each. At Bonus partner stores, you earn enhanced rates (2, 2.5, or even 5 points per CHF 5), making strategic shopping quite rewarding. Our exchange rates guide compares FX fees across Swiss cards.

What Most Reviews Miss

No travel insurance at the Classic tier. If you want trip cancellation or medical coverage, you need to upgrade to Gold (CHF 144) or Exclusive (CHF 216). This card is purely about rewards and payments, not protection.

The 2% FX fee is slightly above the Swiss average of 1.75%. On CHF 5,000 foreign spending, you'd pay CHF 12.50 extra versus typical cards. The doubled points (worth roughly CHF 50) more than offset this, but don't confuse this with a low-FX-fee card.

The Bottom Line

A budget card that rewards international spending when most Swiss cards penalize it. The MyCountry double points make it genuinely valuable for online shoppers buying from abroad or frequent travelers. Compare alternatives in our best shopping credit cards in Switzerland guide.

Verdict: Worth it if you spend significantly abroad. The doubled points offset the slightly high FX fee.