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Our Take on Cornèrcard Mastercard Classic
Bundled free with the Visa Classic. Both cards for one CHF 100 annual fee.
The Cornèrcard Mastercard Classic comes bundled with their Visa Classic at no extra cost. You get both networks for one annual fee: same 0.5% cashback, same excellent 1.2% FX fee. This dual-card approach provides network flexibility that other issuers charge separately for.
Why Bundle Both Networks?
CHF 100 (first year CHF 50) gets you both Visa and Mastercard. Most banks would charge CHF 200 for two cards. Cornèrcard bundles them together. You can carry one daily and keep the other as backup, or use whichever a specific merchant prefers.
The practical benefit: if Visa has a network issue (rare but happens), you have Mastercard. If a merchant only takes one network (increasingly rare), you're covered. Maximum flexibility at no additional cost.
What Actually Stands Out
All benefits work identically on both cards. 0.5% cashback on all purchases, accumulating toward the CHF 25 minimum payout across both cards combined. 1.2% FX fee on both, Switzerland's lowest at this tier. CHF 2,000 purchase protection on both.
Google Pay and Garmin Pay work on both cards. The dual-network approach genuinely adds value without adding cost.
What Most Reviews Miss
Neither card supports Apple Pay. This is Cornèrcard's consistent limitation across their product line. If you're in the Apple ecosystem and rely on Apple Pay for contactless payments, this is a significant friction point affecting both cards.
The bundle approach means you're effectively getting a free backup card. For travelers concerned about card loss or network availability abroad, having both networks is genuinely useful.
The Bottom Line
Excellent value for international spenders who want network flexibility. The dual-card bundle is unique at this tier. The no-Apple-Pay limitation affects both cards equally. Compare alternatives in our best cashback credit cards in Switzerland guide.
Verdict: Same FX advantage as the Visa, bundled for free. Get both if network flexibility matters to you.
PROS
- Low foreign exchange fee of 1.2%
- 0.5 welcome bonus points
- Apple Pay compatible
- Contactless payments for convenient transactions
- Cash back of 0.5% as a statement credit, requiring a minimum of CHF 25 to be credited
- No additional cost for both Cornèrcard Visa Classic and Cornèrcard Mastercard Classic
- Multiple mobile payment options
CONS
- No travel insurance
- No medical coverage
- No airport lounge access
- No concierge service
Card Details
At a Glance
Annual fee
CHF 100
1st Year
CHF 50
Rewards rate
0.5% cashback
FX Fee
1.2%
Welcome bonus
0.5 % cash
Fees & Costs
Fees & Costs
First year annual fee
CHF 50
Annual fee (after first year)
CHF 100
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
Additional Cards
1 free additional cards • CHF 25/year (1st year free)
Rewards Program
Rewards Program
Rewards type
cashback
Base rewards rate
0.5 %
Welcome bonus
0.5 % cash
Earn 0.5% cashback on all purchases
Insurance & Protection
Insurance & Protection
Travel insurance coverage
No travel insurance
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 10'000
Airport lounge access
Concierge service
Key Features
- Cash back of 0.5% as a statement credit, requiring a minimum of CHF 25 to be credited
- No additional cost for both Cornèrcard Visa Classic and Cornèrcard Mastercard Classic
- Multiple mobile payment options
- Comprehensive 24-hour service for customer support
- Contactless payments for convenient transactions
Calculate If This Card Is Worth It for You
= CHF 30'000/year
You Pay
CHF 100
per year
You Get Back
CHF 181
estimated value
Bottom Line
+CHF 81
in your pocket
Annual calculation:
CHF 30'000/yr × 0.5%
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
- Should I pick the Cornèrcard Mastercard Classic or the Visa version?
- The DB rows are identical: same fees, same first-year-free supplementary, same 0.5% cashback with 1-year expiry. Pick whichever network logo your wallet doesn't carry. Cornercard doesn't differentiate the two on data, so the choice is purely about acceptance preference and aesthetics.
- Is the Cornèrcard Mastercard Classic's cash withdrawal cheaper than competitors?
- Yes, 5.20% abroad vs Bonus Card Classic's 6.00% and the shopping-segment average of 5.46%. Same CHF 10 floor. On a CHF 200 ATM pull abroad, Cornercard charges CHF 10.40 vs Bonus's CHF 12. Use a debit card if you actually need cash, but among shopping-tier credit cards Cornercard is the gentler option.
How We Rated This Card
Wondering why Cornèrcard Mastercard Classic got its score? We rate Shopping 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 Mastercard Classic today and start enjoying its benefits.