Confo’Card Mastercard
Confo’Card
Overall Rating
Annual fee
CHF 0
Network
Mastercard
Rewards Type
Points
Also good for
Our Take on Confo’Card Mastercard
0% interest for 3 months on Conforama purchases. Free card with surprising travel insurance.
The Confo'Card Mastercard offers interest-free financing on Conforama furniture purchases: 0% for 3 months on purchases of CHF 500+. The free card includes surprisingly good travel insurance, making it valuable even beyond furniture shopping. For anyone furnishing a home, this is worth having.
Is the Free Card Worth It?
For Conforama shoppers, absolutely. 0% interest for 3 months on purchases of CHF 500 or more lets you spread furniture costs without paying extra. A CHF 2,000 couch becomes three CHF 667 payments at zero interest. After 3 months, standard interest applies.
Free annual fee means zero downside. If you're furnishing a home or apartment, there's no reason not to have this card. The financing alone makes it worthwhile.
What Actually Stands Out
The travel insurance is surprisingly good for a free store card. CHF 60,000 coverage including medical repatriation. CHF 300 flight delay coverage. CHF 2,000 purchase protection. These are unusual benefits at zero cost.
1 point per CHF 1 spent at Conforama. Apple Pay and Google Pay work. Unlimited free additional cards for family. Our credit card insurance guide compares coverage across all Swiss cards.
What Most Reviews Miss
The travel insurance makes this valuable beyond furniture. Most free store cards offer nothing. Confo'Card provides real travel protection at zero annual cost. Even if you rarely shop at Conforama, the insurance has value.
The points earn rate is modest (1 point per CHF 1), but for a free card, it's reasonable.
The Bottom Line
A valuable free card for anyone who shops at Conforama or wants free travel insurance. The 0% financing for 3 months is genuinely useful for furniture purchases. Compare alternatives in our best shopping credit cards in Switzerland guide.
Verdict: Worth having for the financing and free insurance. Zero downside.
PROS
- No annual fee
- Travel insurance coverage up to CHF 60,000
- Apple Pay compatible
- Contactless payments for convenient transactions
- 0% interest for 3 months on purchases over CHF 500
- Up to CHF 60,000 assistance for unscheduled return travel costs
- Flight delay compensation of up to CHF 300 for delays of 4 hours or more
CONS
- High foreign exchange fee (2%)
- No welcome bonus
- No medical coverage
- No airport lounge access
- No concierge service
Card Details
At a Glance
Annual fee
Free
Rewards rate
1 points/CHF
FX Fee
2%
Travel insurance coverage
CHF 60'000
Fees & Costs
Fees & Costs
First year annual fee
No annual fee
Annual fee (after first year)
No annual fee
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
Additional Cards
-
Rewards Program
Rewards Program
Rewards type
Points
Base rewards rate
1 / CHF
Insurance & Protection
Insurance & Protection
Travel insurance coverage
CHF 60'000
Medical insurance coverage
No medical coverage
Purchase protection
CHF 2'000
Card Features
Card Features
Card Network
Mastercard
Card Type
Standard
Currency
CHF
Minimum income requirement
No income requirement
Monthly spending limit
CHF 20'000
Airport lounge access
Concierge service
Key Features
- 0% interest for 3 months on purchases over CHF 500
- Up to CHF 60,000 assistance for unscheduled return travel costs
- Flight delay compensation of up to CHF 300 for delays of 4 hours or more
- Individual card design
- Contactless payments for convenient transactions
Calculate If This Card Is Worth It for You
= CHF 30'000/year
You Pay
CHF 0
per year
You Get Back
CHF 380
estimated value
Bottom Line
+CHF 380
in your pocket
Annual calculation:
CHF 30'000/yr × 1 points/CHF × 1 ct
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 0% interest deal on Conforama purchases?
- Purchases of CHF 500 or more at Conforama benefit from 0% interest for 3 months, effectively a free three-month payment plan on bigger furniture buys. That's a buried perk most cashback cards don't offer. The catch: you have to remember to clear the balance before the 3-month window closes; standard interest kicks back in after.
- How many additional cards does the Confo'Card include?
- Unlimited free supplementary cards. No annual fee per supplementary, no published cap on how many you can add. Unusual for a cashback card; most peers limit you to 2 at CHF 22 to CHF 25 each. Useful if you want to spread the card across multiple household members.
- What's the domestic cash-withdrawal rate?
- 3.75% with a CHF 10 minimum, slightly below the standard 4.00% baseline most cashback cards charge for Swiss ATM withdrawals. On a CHF 200 cash advance the fee is CHF 10 (the floor); on CHF 500 the percentage matters and you'd pay CHF 18.75 vs roughly CHF 20 on a peer card. Modest but consistent saving.
How We Rated This Card
Wondering why Confo’Card Mastercard got its score? We rate Cashback 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 Confo’Card Mastercard today and start enjoying its benefits.