Bonus Card Mastercard Exclusive

Identical to the Bonus Card Visa Exclusive. Same CHF 20,000 trip coverage, same concierge, same medical gap.

The Bonus Card Mastercard Exclusive is functionally identical to its Visa sibling: same CHF 216 fee, same CHF 20,000 family trip cancellation, same free concierge, same notable absence of medical coverage abroad. Your network choice is purely about personal preference.

Does Network Choice Actually Matter?

In Switzerland and Europe, Visa and Mastercard acceptance is virtually identical. Both work at essentially every retailer, restaurant, and online store. The concierge service through Allianz Travel Switzerland works identically on both cards. The insurance terms don't change based on network.

The CHF 20,000 family trip cancellation works the same. The CHF 3,000 purchase protection works the same. The MyCountry double points abroad works the same. Pick based on which network you don't already have.

What Actually Stands Out

Everything matches the Visa version. CHF 216 annual fee. Free concierge service handling reservations and travel arrangements. CHF 20,000 family trip insurance. MyCountry double points abroad. Partner bonuses up to 5 points per CHF 5.

Apple Pay, Google Pay, Samsung Pay, and Garmin Pay all work. The 1.75% FX fee is better than lower tiers. Additional cards cost CHF 108 each.

What Most Reviews Miss

Both Visa and Mastercard Exclusive versions lack medical coverage abroad. This gap applies regardless of which network you choose. It's unusual at CHF 216. If medical protection matters, you need standalone travel insurance on top of this card.

The products are identical between networks. If you're spending more than five minutes deciding, you're overthinking it. Focus instead on whether the Exclusive tier's features (concierge, doubled trip coverage) justify CHF 72 more than Gold.

The Bottom Line

Same value as the Visa Exclusive, on the Mastercard network. The medical coverage gap and concierge value proposition apply identically to both. Network choice has no practical impact. Compare alternatives in our best shopping credit cards in Switzerland guide.

Verdict: Identical to the Visa. Choose Mastercard if you want network diversity or already have Visa cards.