Cornèrcard HCL Gold Mastercard
Cornèrcard
Overall Rating
Annual fee
CHF 80
Network
Mastercard
Rewards Type
cashback
Also good for
Our Take on Cornèrcard HCL Gold Mastercard
The Cornèrcard Gold's CHF 1.5 million medical cover, for CHF 80 a year instead of CHF 190.
The Cornèrcard HCL Gold Mastercard ranks #26 among 115 premium cards and #17 among 122 cashback cards in our ranking. It's HC Lugano's gold fan card, and it carries the same core insurance and cashback as the Cornèrcard Gold Mastercard at less than half the annual fee.
What Are You Actually Paying For?
CHF 80 a year buys CHF 1,500,000 of medical cover abroad, CHF 40,000 of trip cancellation cover with family coverage, and CHF 2,000 purchase protection. That's the insurance package of the Cornèrcard Gold, which charges CHF 190 from year two.
The cashback pays the fee for you: 0.6% on CHF purchases and 1.2% in foreign currencies. CHF 13,334 of Swiss spending covers the CHF 80. Abroad, the 1.2% cashback cancels out the 1.2% FX fee, so foreign purchases cost you nothing extra.
What Actually Stands Out
The CHF 110 annual saving over the Cornèrcard Gold is the headline from year two. Then come the fan perks from HC Lugano: 10% off match jerseys at Shop '41, 10% at the Club '41 restaurant, 10% off tickets bought at the club secretariat and 10% off hospitality.
You can also pay QR invoices, like a season ticket, directly in the iCornèr app. New cardholders applying by 30 November 2026 get 1,000 HCL points in December, redeemable with a 5a Linea membership. No Cornèr bank account needed.
What Most Reviews Miss
Year one can favour the regular Gold. Cornèrcard Gold's offer for new clients applying by 29 November 2026 is CHF 95 in year one plus triple cashback until 31 January 2027, worth up to CHF 300 extra. If you'll spend heavily over the next few months, that beats saving CHF 15 on the HCL Gold.
There's no lounge access, and Cornèrcard's 08.2026 fee table lists no additional cards, so your partner can't get a second card on your account. Cashback also only credits once you've built up CHF 25. None of these are deal-breakers, but they're the gaps versus pricier gold cards.
The Bottom Line
If you want gold-level travel insurance without gold-level fees, this is one of the cheapest routes in Switzerland, hockey fan or not. HC Lugano doesn't list a fan requirement for the card. Compare it with the alternatives in our best premium credit cards in Switzerland ranking.
Verdict: The Cornèrcard Gold at a CHF 110 discount. Take the regular Gold only if you'll make full use of its first-year triple cashback.
PROS
- Low foreign exchange fee of 1.2%
- 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
- 0.6% cashback
- Travel insurance with family cover and CHF 1.5 million medical
- 10% off HCL tickets and hospitality at the club secretariat
CONS
- No welcome bonus
- No airport lounge access
- No concierge service
Card Details
At a Glance
Annual fee
CHF 80
Rewards rate
0.6% cashback
FX Fee
1.2%
Travel insurance coverage
CHF 40'000
Fees & Costs
Fees & Costs
First year annual fee
CHF 80
Annual fee (after first year)
CHF 80
Foreign exchange fee
1.2%
Cash Withdrawal (Domestic)
4% (min CHF 10)
Cash Withdrawal (International)
5.2% (min CHF 10)
Late Payment Fee
CHF 20
Rewards Program
Rewards Program
Rewards type
cashback
Base rewards rate
0.6 %
Insurance & Protection
Insurance & Protection
Travel insurance coverage
CHF 40'000
Medical insurance coverage
CHF 1'500'000
Purchase protection
CHF 2'000
Card Features
Card Features
Card Network
Mastercard
Card Type
Gold
Currency
CHF
Minimum income requirement
No income requirement
Monthly spending limit
-
Airport lounge access
Concierge service
Key Features
- 0.6% cashback
- Travel insurance with family cover and CHF 1.5 million medical
- 10% off HCL tickets and hospitality at the club secretariat
- 10% off official HCL jerseys at Shop '41 and at Club '41
- Purchase protection up to CHF 2,000 per claim
Calculate If This Card Is Worth It for You
= CHF 30'000/year
You Pay
CHF 80
per year
You Get Back
CHF 460
estimated value
Bottom Line
+CHF 380
in your pocket
Annual calculation:
CHF 30'000/yr × 0.6%
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
- Does the HCL Gold come with a Visa as well as the Mastercard?
- No, it's Mastercard only. The HCL Gold is a single-network card, while the regular Cornèrcard Gold gives you both a Visa and a Mastercard for its fee. If you want a backup network for the odd terminal that refuses Mastercard, you'd need a second card.
- Does the HCL Gold Mastercard travel insurance cover my family?
- Yes. Travel insurance with family cover is part of the HCL Gold's package, included in the CHF 80 annual fee. The HCL Black has no travel insurance at all, so family cover is the main reason to pick Gold over Black.
How We Rated This Card
Wondering why Cornèrcard HCL Gold Mastercard 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 Cornèrcard HCL Gold Mastercard today and start enjoying its benefits.