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Our Take on Cornèrcard Miles & More Package deal Gold
40,000 welcome miles plus CHF 1,500,000 medical coverage. That's luxury insurance at gold pricing.
The Cornèrcard Miles & More Gold Package combines substantial miles earning with exceptional medical coverage. At CHF 220 annually, it targets frequent Star Alliance flyers who want both miles accumulation and genuine travel protection. The CHF 1,500,000 medical coverage is typically found on luxury cards costing CHF 500+.
Is CHF 220 Worth It?
Let's calculate. 40,000 welcome Miles & More miles are worth roughly CHF 400-800 depending on redemption strategy. CHF 1,500,000 medical coverage would cost CHF 300-500 as standalone premium travel insurance. The CHF 40,000 trip cancellation adds another CHF 50-100 in value.
Year one, you're significantly ahead. Ongoing, you earn 0.5 miles per CHF 1 (0.6 on foreign purchases) plus annual bonuses up to 5,000 miles at CHF 30,000+ spend. For frequent Star Alliance travelers, the combined value of miles plus insurance far exceeds CHF 220.
What Actually Stands Out
The CHF 1,500,000 medical coverage is exceptional at this price. Most gold cards offer CHF 250,000. This handles truly catastrophic scenarios: helicopter evacuations (CHF 50,000+), emergency surgery in the US (CHF 200,000+), extended hospitalization anywhere. It's luxury-tier protection at mid-tier pricing.
5 free lounge visits annually with CHF 7,500 spending. You get both Visa and Diners Club in the package. The 1.2% FX fee keeps foreign spending cost-effective for international travel. Compare insurance packages across Swiss cards in our credit card insurance guide.
What Most Reviews Miss
No Apple Pay (Cornèrcard's consistent limitation). Google Pay works, but iPhone users must carry physical cards. For frequent travelers, this daily friction matters.
Miles accumulation requires strategic thinking. The 0.5 miles per CHF 1 rate means you'd need CHF 70,000 annual spend to earn 35,000 miles (enough for a business class Europe redemption). The card works best when combined with actual Star Alliance flying to boost your balance.
The Bottom Line
Excellent value for frequent Star Alliance travelers who want both miles and premium insurance. The CHF 1,500,000 coverage is genuinely exceptional at CHF 220. Best for travelers who fly 3-4+ times yearly and value comprehensive protection. Compare alternatives in our best travel credit cards in Switzerland guide.
Verdict: Strong choice for active Star Alliance flyers. The insurance value alone justifies the fee; the miles are a substantial bonus.
PROS
- Low foreign exchange fee of 1.2%
- 40000 welcome bonus points
- Travel insurance coverage up to CHF 40,000
- Up to CHF 1,500,000 coverage for medical expenses
- Airport lounge access
- Apple Pay compatible
- Contactless payments for convenient transactions
- 5 complimentary visits to lounges per year with CHF 7500 spend
CONS
- High annual fee (CHF 220)
- No concierge service
Card Details
At a Glance
Annual fee
CHF 220
1st Year
CHF 110
Rewards rate
0.5 miles/CHF
FX Fee
1.2%
Welcome bonus
40,000 miles
Travel insurance coverage
CHF 40'000
Fees & Costs
Fees & Costs
First year annual fee
CHF 110
Annual fee (after first year)
CHF 220
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
CHF 130/card/year
Rewards Program
Rewards Program
Rewards type
Miles
Base rewards rate
0.5 / CHF
Welcome bonus
40,000 miles
Earn 1 miles for every 2 Swiss francs spent. 1.2 miles per CHF 2 on foreign currency purchases. Welcome bonus of 40000 miles. Additional miles bonus based on annual spending.
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
Visa
Card Type
Gold
Currency
CHF
Dual Network
visa + diners club
Minimum income requirement
No income requirement
Monthly spending limit
CHF 90'000
Airport lounge access
Airport lounge access available
Concierge service
Key Features
- 5 complimentary visits to lounges per year with CHF 7500 spend
- Up to CHF 1500000 coverage for medical expenses
- Up to 40000 CHF coverage for trip cancellations
- Multiple mobile payment options (Samsung Pay, Apple Pay, Google Pay, Garmin Pay)
- 24-hour customer service support
Calculate If This Card Is Worth It for You
= CHF 30'000/year
You Pay
CHF 220
per year
You Get Back
CHF 1'175
estimated value
Bottom Line
+CHF 955
in your pocket
Annual calculation:
CHF 30'000/yr × 0.5 miles/CHF × 1.5 ct
40'000 miles × 1.5 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
- How does the annual mileage bonus actually tier?
- Spend more, earn more, but in steps. You get 1,000 bonus miles between CHF 10,000 and 20,000, 3,000 between CHF 20,000 and 30,000, and 5,000 once you cross CHF 30,000. There's no partial credit, so CHF 19,999 in spend keeps you at 1,000. Track your turnover near year-end and push small purchases through if you're close to the next tier.
- How much does an extra Miles & More card cost?
- CHF 130 per year for a partner card. That's more than double the Swiss premium card average (around CHF 55 per supplementary). If your partner doesn't actively fly Star Alliance, the extra fee usually outweighs the additional miles earned.
- Do I earn more miles when I pay in foreign currency?
- Slightly. Domestic purchases earn 1 mile per CHF 2 (0.5 miles per franc); foreign purchases earn 1.2 miles per CHF 2. That's a 20% earn boost on travel spend, which partly cushions the FX fee. Pay in CHF abroad only when the merchant offers a better rate than your bank's conversion.
How We Rated This Card
Wondering why Cornèrcard Miles & More Package deal Gold 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 Miles & More Package deal Gold today and start enjoying its benefits.