Cornèrcard Visa Platinum

1.5% cashback with no categories to track. Plus the lowest foreign exchange fee among Swiss luxury cards.

The Cornèrcard Visa Platinum ranks #3 among Switzerland's 11 luxury credit cards. It's an unusual combination: luxury perks (lounges, concierge, premium insurance) paired with straightforward cashback instead of complex points. For high spenders who hate rewards programs, this is refreshing.

Is CHF 500 Worth It?

The math here is surprisingly favorable. At 1.5% cashback, spending CHF 50,000 annually returns CHF 750, already covering the annual fee with CHF 250 profit. The first year fee is only CHF 250, making year one essentially risk-free for testing.

You also get Priority Pass Prestige (CHF 400+ value), CHF 1,500,000 medical coverage, and 24-hour concierge with no booking fees. Unlike points programs where redemption value varies wildly, cashback is cashback. You know exactly what you're getting.

What Actually Stands Out

The 1.2% foreign exchange fee combined with 1.5% cashback means you're still earning 0.3% net on foreign purchases. Most cards charge 1.75%+ FX fees that wipe out any rewards. This card actually pays you to spend abroad.

No categories to optimize, no points to track, no expiration dates. The cashback credits automatically once you hit CHF 25 minimum. For people tired of the points-and-miles game, this simplicity is genuinely valuable.

What Most Reviews Miss

No Apple Pay support. Same issue as other Cornèrcard products. Every purchase requires the physical card. If mobile payments are part of your daily routine, this is a real friction point.

The cashback has a minimum threshold of CHF 25 before it credits to your account. Not a big deal for regular spenders, but if you're using this as a secondary card, your rewards might sit in limbo. Also, cashback expires one year after the transaction date, so don't let it accumulate too long.

The Bottom Line

This card makes sense for high spenders who want luxury perks without the complexity of points optimization. The 1.5% cashback plus low FX fee is a rare combination in Switzerland. See how it compares in our best luxury credit cards in Switzerland guide.

Verdict: Best luxury card for cashback lovers. The no-Apple-Pay limitation is the main drawback. If you spend CHF 35,000+ annually, the math works beautifully.