Bonus Card Visa Exclusive

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

The Bonus Card Visa Exclusive adds concierge service and doubled trip insurance to the MyCountry formula. At CHF 216 annually, it positions between gold cards and luxury cards. The feature set is strong, but the notable absence of medical coverage abroad is a significant gap at this price point.

Is CHF 216 Worth It?

Let's break it down. CHF 20,000 family trip cancellation coverage is double the Gold tier and would cost CHF 60-100 as standalone insurance. The free concierge service through Allianz Travel Switzerland with no booking fees adds convenience value if you actually use it.

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 use concierge services, the math works. If you rarely need restaurant reservations or event planning, the Gold tier might be smarter.

What Actually Stands Out

The concierge service handles restaurant reservations (useful for hard-to-book places), event tickets, travel arrangements, and personal shopping. I've tested similar services on other cards and found them genuinely useful for special occasions, less so for daily life. If you're planning a major anniversary dinner or corporate event, it helps.

MyCountry double points abroad continues at this tier. CHF 3,000 purchase protection covers expensive items against damage or theft for 30 days. Partner bonuses up to 5 points per CHF 5 make strategic shopping rewarding.

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 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.

The 1.75% FX fee is better than lower tiers (was 2%) but still average. Apple Pay and Google Pay work. Additional cards cost CHF 108 each.

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, look at cantonal bank gold cards instead. Compare alternatives in our best shopping credit cards in Switzerland guide.

Verdict: Worth it if you'll use the concierge and don't need medical coverage. The trip insurance is substantial; the medical gap is notable.