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Il Nostro Parere su Bonus Card Mastercard Gold
Identical to the Bonus Card Visa Gold. Same family trip coverage, different network.
The Bonus Card Mastercard Gold is functionally identical to its Visa sibling: same CHF 144 fee, same CHF 10,000 family trip cancellation coverage, same MyCountry double points abroad. Your network choice is purely about personal preference or portfolio diversity.
Does Network Choice Actually Matter?
In Switzerland and Europe, Visa and Mastercard acceptance is virtually identical. You'll rarely find a merchant that takes one but not the other. Both work at essentially every retailer, restaurant, and online store. The MyCountry double points works identically on both networks.
CHF 10,000 family trip cancellation coverage works identically on both cards. The insurance terms don't change based on which logo is on your card. Pick based on what network you don't already have, or flip a coin.
What Actually Stands Out
Everything matches the Visa version. CHF 144 annual fee. Family trip coverage protecting your whole family's trip cancellation. MyCountry program doubling points on international purchases. Up to 5 points per CHF 5 at Bonus partners, 1 point per CHF 5 elsewhere.
Apple Pay, Google Pay, Samsung Pay, and Garmin Pay all work. The 2% FX fee is slightly above average but offset by the doubled points abroad.
What Most Reviews Miss
No medical coverage abroad at the Gold tier. Trip cancellation is covered, but not medical emergencies. This applies to both Visa and Mastercard versions. For medical protection, you need Exclusive tier or standalone insurance.
The products are identical between networks. If you're spending more than five minutes deciding, you're overthinking it. The family trip coverage is the real value here, and it works the same regardless of which logo you choose.
The Bottom Line
Same value as the Visa Gold, on the Mastercard network. The family trip coverage differentiates Bonus Card Gold from competitors. 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.
PRO
- Travel insurance coverage up to CHF 10,000
- Apple Pay compatible
- Contactless payments for convenient transactions
- 5 points per 5 franc spent
- Double Bonus points earned on purchases made abroad with MyCountry feature
- Travel insurance covering up to 10,000 Swiss francs for cancellations before and during trips for you and your family
CONTRO
- High annual fee (CHF 144)
- High foreign exchange fee (2%)
- No welcome bonus
- No medical coverage
- No airport lounge access
- No concierge service
Dettagli della carta
In sintesi
Quota annuale
CHF 144
Tasso premi
1 punti/CHF
Comm. FX
2%
Copertura assicurativa viaggio
CHF 10,000
Commissioni e Costi
Commissioni e Costi
Quota annuale primo anno
CHF 144
Quota annuale (dopo il primo anno)
CHF 144
Commissione valuta estera
2%
Prelievo Contanti (Nazionale)
4% (min CHF 10)
Prelievo Contanti (Internazionale)
6% (min CHF 10)
Commissione Ritardo Pagamento
CHF 20
Carte aggiuntive
CHF 72/carta/anno
Programma Premi
Programma Premi
Tipo di premi
Points
Tasso premi base
1 / CHF
Assicurazione e Protezione
Assicurazione e Protezione
Copertura assicurativa viaggio
CHF 10,000
Copertura assicurativa medica
Nessuna copertura medica
Protezione degli acquisti
Nessuna protezione acquisti
Caratteristiche della Carta
Caratteristiche della Carta
Circuito della Carta
Mastercard
Tipo di Carta
Gold
Valuta
CHF
Requisito di reddito minimo
Nessun requisito di reddito
Limite di spesa mensile
CHF 90,000
Accesso alle lounge aeroportuali
Servizio di concierge
Caratteristiche Principali
- 5 points per 5 franc spent
- Double Bonus points earned on purchases made abroad with MyCountry feature
- Travel insurance covering up to 10,000 Swiss francs for cancellations before and during trips for you and your family
- 24-hour customer support service for immediate assistance
- Multiple mobile payment options (Samsung Pay, Apple Pay, Google Pay, Garmin Pay)
Calcola se questa carta ne vale la pena per te
= CHF 30’000/year
Paghi
CHF 144
all'anno
Ricevi
CHF 350
valore stimato
In sintesi
+CHF 206
in tasca
Calcolo annuale:
CHF 30’000/yr × 1 points/CHF × 1 ct
Sposta il cursore per vedere il valore. Miles: 1,5 ct, punti: 1 ct.
Valutazione per Categoria
Confronta con altre carte
Domande frequenti
- What is the annual fee for the Bonus Card Mastercard Gold?
- The Bonus Card Mastercard Gold has an annual fee of CHF 144.
- What are the foreign transaction fees for the Bonus Card Mastercard Gold?
- The Bonus Card Mastercard Gold charges a 2% foreign exchange fee on international transactions.
- What rewards does the Bonus Card Mastercard Gold offer?
- The Bonus Card Mastercard Gold offers points rewards at a base rate of 1 per CHF spent.
- What insurance coverage does the Bonus Card Mastercard Gold include?
- The Bonus Card Mastercard Gold includes travel insurance up to CHF 10,000 and medical coverage up to CHF 0 abroad.
- Is the Bonus Card Mastercard Gold compatible with Apple Pay?
- Yes, the Bonus Card Mastercard Gold is fully compatible with Apple Pay for contactless mobile payments.
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