Il Nostro Parere su 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.
PRO
- 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
CONTRO
- High foreign exchange fee (2%)
- No welcome bonus
- No travel insurance
- No medical coverage
- No airport lounge access
- No concierge service
Dettagli della carta
In sintesi
Quota annuale
CHF 75
Tasso premi
-
Comm. FX
2%
Commissioni e Costi
Commissioni e Costi
Quota annuale primo anno
CHF 75
Quota annuale (dopo il primo anno)
CHF 75
Commissione valuta estera
2%
Prelievo Contanti (Nazionale)
3.75% (min CHF 10)
Prelievo Contanti (Internazionale)
5.75% (min CHF 10)
Commissione Ritardo Pagamento
CHF 30
Programma Premi
Programma Premi
Tipo di premi
No rewards
Tasso premi base
-
Assicurazione e Protezione
Assicurazione e Protezione
Copertura assicurativa viaggio
Nessuna assicurazione viaggio
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
Standard
Valuta
CHF
Requisito di reddito minimo
Nessun requisito di reddito
Limite di spesa mensile
CHF 10'000
Accesso alle lounge aeroportuali
Servizio di concierge
Caratteristiche Principali
- 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
Calcola se questa carta ne vale la pena per te
= CHF 30'000/year
Paghi
CHF 75
all'anno
Ricevi
CHF 0
valore stimato
In sintesi
CHF -75
costo extra
Calcolo annuale:
Sposta il cursore per vedere il valore. Miles: 1,5 ct, punti: 1 ct.
Valutazione per Categoria
Confronta con altre carte
Domande frequenti
- 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.
Come abbiamo valutato questa carta
Ti chiedi perché Cembra Mastercard Premium ha questo punteggio? Valutiamo le carte Premium con una formula ponderata. Ecco cosa conta:
Stessa formula per ogni carta in questa categoria. Senza eccezioni.
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