Cembra Mastercard Premium
Cembra
Overall Rating
Annual fee
CHF 75
Network
Mastercard
Rewards Type
No rewards
Our Take on Cembra Mastercard Premium
An even more basic card than Cembra's Gold. CHF 75 for credit functionality only.
Cembra's Mastercard Premium (misleadingly named) is their entry-level card. No rewards, no insurance, just a basic credit card at CHF 75 annually.
Entry-Level Simplicity
No rewards. No insurance. No frills. CHF 75 annually gets you a credit card with a CHF 2,000-10,000 limit. That's the entire value proposition.
The 'Premium' name is confusing since this is their most basic product.
The Target Customer
Someone who needs a credit card for online purchases or travel bookings but doesn't care about rewards or insurance. Maybe you have a cashback debit card and just need credit functionality.
No income requirement makes it accessible.
Basic Features
Apple Pay and Google Pay support. 2% FX fee. 24-hour service. That's essentially it.
Better free alternatives exist if you want rewards. This card makes sense only for specific situations.
The Bottom Line
A basic credit card for those who don't want benefits. Free cards with rewards exist, so this is hard to recommend. See our best credit cards for alternatives.
Verdict: Only consider if you specifically want a paid card without rewards.
PROS
- Apple Pay compatible
- Contactless payments for convenient transactions
- Spending limit flexibility between CHF 2000 to CHF 10,000
- Multiple mobile payment options
- 24-hour customer service support
CONS
- High foreign exchange fee (2%)
- No welcome bonus
- No travel insurance
- No medical coverage
- No airport lounge access
- No concierge service
Card Details
At a Glance
Annual fee
CHF 75
Rewards rate
-
FX Fee
2%
Fees & Costs
Fees & Costs
First year annual fee
CHF 75
Annual fee (after first year)
CHF 75
Foreign exchange fee
2%
Cash Withdrawal (Domestic)
3.75% (min CHF 10)
Cash Withdrawal (International)
5.75% (min CHF 10)
Late Payment Fee
CHF 30
Rewards Program
Rewards Program
Rewards type
No rewards
Base rewards rate
-
Insurance & Protection
Insurance & Protection
Travel insurance coverage
No travel insurance
Medical insurance coverage
No medical coverage
Purchase protection
No purchase protection
Card Features
Card Features
Card Network
Mastercard
Card Type
Standard
Currency
CHF
Minimum income requirement
No income requirement
Monthly spending limit
CHF 10'000
Airport lounge access
Concierge service
Key Features
- Spending limit flexibility between CHF 2000 to CHF 10,000
- Multiple mobile payment options
- 24-hour customer service support
- Comprehensive travel and medical insurance coverage available
- Contactless payments for convenient transactions
Calculate If This Card Is Worth It for You
= CHF 30'000/year
You Pay
CHF 75
per year
You Get Back
CHF 0
estimated value
Bottom Line
CHF -75
extra cost for perks
Annual calculation:
Move the slider to see how your spending affects the card's value. Miles: 1.5 ct, points: 1 ct.
Rating by Category
Compare to Other Cards
Frequently Asked Questions
- What's the difference between the Cembra Mastercard Premium and the Gold?
- Half the monthly spending cap (CHF 10,000 vs CHF 20,000), same fees otherwise. Both share the CHF 30 late fee, the 3.75% domestic cash rate, and 5.75% abroad. Neither lists a welcome bonus or category rewards in the database. The 'Premium' name is misleading: this is a more restricted Gold.
- Does the Cembra Mastercard Premium come with any welcome bonus or category rewards?
- No, the database lists no welcome bonus, no category bonuses, no public loyalty program. Cembra positions this card on insurance and access, not earnings. If rewards matter, cantonal-bank Silver cards earn yearly loyalty points where Cembra earns nothing, often at lower annual fees.
How We Rated This Card
Wondering why Cembra Mastercard Premium got its score? We rate Premium cards using a weighted formula. Here's what counts:
Same formula for every card in this category. No exceptions.
See our full rating methodologyReady to Apply?
Apply for the Cembra Mastercard Premium today and start enjoying its benefits.