Bonus Card Mastercard Exclusive

CHF 20,000 family trip insurance and free concierge for CHF 216. But still no medical coverage abroad.

The Bonus Card Mastercard Exclusive adds concierge service and substantial trip insurance to the MyCountry formula. At CHF 216 annually, it sits between gold and luxury cards. The features are strong, but the lack of medical coverage abroad is a notable gap at this price. Bonus Card also offers this on Visa with identical benefits. See also the Bonus Card Visa Exclusive.

Is CHF 216 Worth It?

The value depends on what you need. CHF 20,000 family trip cancellation is double the Gold tier and would cost CHF 60-100 as standalone insurance. The free concierge service through Allianz Travel Switzerland handles restaurant reservations, event tickets, and travel arrangements without booking fees.

Upgrading from Gold (CHF 144) costs CHF 72 extra. You get doubled trip coverage and concierge access. If you book CHF 10,000+ trips annually and would actually use the concierge for special occasions, the math works. If you rarely need help with reservations, Gold might be the smarter choice.

What Actually Stands Out

The concierge service is genuinely useful for special occasions. Restaurant reservations at hard-to-book places, event tickets, corporate events, travel planning. I've tested similar services on other cards and found them most valuable for important dinners and celebrations, less so for everyday life.

MyCountry double points abroad continues at this tier. CHF 3,000 purchase protection covers expensive items against damage or theft for 30 days. At Bonus partners, you earn up to 5 points per CHF 5. The 1.75% FX fee is better than lower tiers. Our credit card insurance guide compares coverage across all Swiss cards.

What Most Reviews Miss

Still no medical coverage abroad at CHF 216. This is genuinely surprising. Most CHF 200+ cards include at least CHF 100,000-250,000 in medical protection. Bonus Card Exclusive covers your trip cancellation but not your hospital bills if you get sick overseas. You'd need standalone travel insurance (CHF 100-150) on top of this card for complete protection.

Apple Pay, Google Pay, Samsung Pay, and Garmin Pay all work. Additional cards cost CHF 108 each. The medical gap is the elephant in the room at this price point.

The Bottom Line

A mid-tier premium card for Bonus program loyalists who want concierge and substantial trip insurance but can accept the medical coverage gap. If medical protection matters, cantonal bank gold cards at CHF 200 offer CHF 250,000 coverage instead. Compare alternatives in our best shopping credit cards in Switzerland guide.

Verdict: Worth it if you'll use the concierge and already have medical insurance elsewhere. The trip coverage is substantial; the medical gap is hard to ignore.