Également bon pour
Notre Avis sur Cornèrcard Gold Visa
CHF 1,500,000 medical coverage. That's luxury-card insurance at gold-card pricing.
The Cornèrcard Gold Visa offers something remarkable: CHF 1,500,000 medical coverage abroad, which is 6x what most gold cards provide. Combined with 1% cashback and the signature 1.2% FX fee, it's built for serious international travelers who want genuine protection without luxury pricing.
Is CHF 190 Worth It?
Let's calculate the insurance value. CHF 1,500,000 medical coverage would cost CHF 300-500 as standalone premium travel insurance. The CHF 40,000 trip cancellation coverage adds another CHF 50-100 in value. Most gold cards offer CHF 250,000 medical; this offers 6x that amount.
At CHF 190 (first year CHF 95), you're getting luxury-tier insurance at mid-tier pricing. The 1% cashback on all spending returns roughly CHF 200-300 on CHF 20,000-30,000 annual spend. The math strongly favors this card for international travelers.
What Actually Stands Out
The CHF 1,500,000 medical coverage is the headline. A helicopter evacuation from remote locations costs CHF 50,000+. Emergency surgery in the US easily exceeds CHF 200,000. Most gold cards would leave you exposed. This coverage handles genuinely catastrophic scenarios.
The 1.2% FX fee remains Switzerland's lowest at the gold tier. Combined with 1% cashback, you're effectively earning on international purchases where other cards lose money to FX fees. You get both Visa and Mastercard Gold for the single annual fee.
What Most Reviews Miss
No Apple Pay support. Cornèrcard products don't integrate with Apple's ecosystem. Google Pay and Garmin Pay work, but iPhone users must carry the physical card. For many people, this is a genuine daily friction that affects convenience significantly.
No lounge access. The insurance is excellent, but there's no Priority Pass or lounge benefit. If airport comfort matters, you'd need to pair this with a card that offers lounge access. Our lounge access guide compares every Swiss card with lounge perks.
The Bottom Line
Outstanding insurance value at gold-card pricing. The CHF 1,500,000 medical coverage is genuinely exceptional. The cashback and low FX fee add meaningful returns. If you can live without Apple Pay, this is arguably Switzerland's best gold card for travelers. Compare alternatives in our best premium credit cards in Switzerland guide.
Verdict: Exceptional for international travelers who prioritize insurance over lounge access. The no-Apple-Pay limitation is the main drawback.
AVANTAGES
- Low foreign exchange fee of 1.2%
- 1 welcome bonus points
- Travel insurance coverage up to CHF 40,000
- Up to CHF 1,500,000 coverage for medical expenses
- Apple Pay compatible
- Contactless payments for convenient transactions
- 1% cashback
- Comprehensive travel insurance covering up to CHF 1500000 for medical expenses
INCONVÉNIENTS
- High annual fee (CHF 190)
- No airport lounge access
- No concierge service
Détails de la carte
En un coup d'œil
Frais annuels
CHF 190
1ère année
CHF 95
Taux de récompense
1% cashback
Frais FX
1.2%
Bonus de bienvenue
1 % cash
Couverture d'assurance voyage
CHF 40,000
Frais & Coûts
Frais & Coûts
Frais annuels la première année
CHF 95
Frais annuels (après la première année)
CHF 190
Frais de change
1.2%
Retrait d'Espèces (National)
4% (min CHF 10)
Retrait d'Espèces (International)
5.2% (min CHF 10)
Frais de Retard
CHF 20
Cartes supplémentaires
CHF 50/carte/an
Programme de Récompenses
Programme de Récompenses
Type de récompense
cashback
Taux de récompense de base
1 %
Bonus de bienvenue
1 % cash
Earn 1% cashback on all purchases
Assurance & Protection
Assurance & Protection
Couverture d'assurance voyage
CHF 40,000
Couverture d'assurance médicale
CHF 1,500,000
Protection des achats
CHF 2,000
Caractéristiques de la Carte
Caractéristiques de la Carte
Réseau de la Carte
Visa
Type de Carte
Gold
Devise
CHF
Double Réseau
visa + mastercard
Revenu minimum requis
Aucune exigence de revenu
Limite de dépenses mensuelles
CHF 90,000
Accès aux salons d'aéroport
Service de conciergerie
Caractéristiques Principales
- 1% cashback
- Comprehensive travel insurance covering up to CHF 1500000 for medical expenses
- Dual card option
- 24-hour service support for cardholders, enhancing accessibility
- Multiple mobile payment options (Samsung Pay, Apple Pay, Google Pay, Garmin Pay)
Calculez si cette carte en vaut la peine pour vous
= CHF 30’000/year
Vous payez
CHF 190
par an
Vous recevez
CHF 581
valeur estimée
Bilan
+CHF 391
dans votre poche
Calcul annuel :
CHF 30’000/yr × 1%
Déplacez le curseur pour voir la valeur. Miles: 1,5 ct, points: 1 ct.
Note par Catégorie
Comparer avec d'autres cartes
Questions fréquemment posées
- What is the annual fee for the Cornèrcard Gold Visa?
- The Cornèrcard Gold Visa has a promotional first year fee of CHF 95, then CHF 190 per year afterwards.
- What are the foreign transaction fees for the Cornèrcard Gold Visa?
- The Cornèrcard Gold Visa charges a 1.2% foreign exchange fee on international transactions.
- What rewards does the Cornèrcard Gold Visa offer?
- The Cornèrcard Gold Visa offers cashback rewards at a base rate of 0 per CHF spent.
- What insurance coverage does the Cornèrcard Gold Visa include?
- The Cornèrcard Gold Visa includes travel insurance up to CHF 40,000 and medical coverage up to CHF 1,500,000 abroad.
- Is the Cornèrcard Gold Visa compatible with Apple Pay?
- Yes, the Cornèrcard Gold Visa is fully compatible with Apple Pay for contactless mobile payments.
Comment nous avons noté cette carte
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