Fnac Mastercard
Fnac
Overall Rating
Annual fee
CHF 0
Network
Mastercard
Rewards Type
Points
Welcome bonus
100 CHF cash
Also good for
Our Take on Fnac Mastercard
Free card that earns 2% back at FNAC. For electronics and media shoppers, that's meaningful.
The FNAC Mastercard is a free store card that rewards FNAC purchases with roughly 2% return. If you regularly buy electronics, books, games, or media from FNAC, the points add genuine value. Outside FNAC, earning is minimal, but the card costs nothing to hold.
Is It Worth Getting?
If you shop at FNAC, yes. 1 point per CHF 5 spent at FNAC, redeemable as 100 points = CHF 10 store credit (2% effective return). If you spend CHF 2,000 annually at FNAC, that's 400 points = CHF 40 back. Electronics purchases can accumulate quickly: a CHF 1,500 laptop earns 300 points = CHF 30.
The card is free for FNAC members. Zero risk to hold it. Any points earned are pure profit since you're paying nothing for the card.
What Actually Stands Out
The 2% effective return at FNAC beats most general-purpose cards (typically 0.5-1% cashback). For a free card, concentrating value at a specific retailer makes sense. If FNAC is where you'd buy electronics anyway, you're essentially getting a 2% discount on everything.
Apple Pay, Google Pay, Samsung Pay, and Garmin Pay all work. First additional card is free, useful for family sharing. CHF 30 customization option if you want a personalized design.
What Most Reviews Miss
Outside FNAC, this card offers minimal value. The 2% FX fee is average. The earning rate on non-FNAC purchases is negligible. This is a specialized store card, not a general-purpose rewards card.
If you don't shop at FNAC regularly, other free cards (Certo One with up to 1% cashback, Coop Supercard for grocery shoppers) offer better value. The FNAC card only makes sense if you're genuinely a FNAC customer.
The Bottom Line
A no-brainer for regular FNAC shoppers. The card is free, the 2% return at FNAC is competitive, and there's no downside to holding it. If you buy electronics or media from FNAC anyway, get this card. Compare alternatives in our best shopping credit cards in Switzerland guide.
Verdict: Get it if you shop at FNAC. It costs nothing and adds value to purchases you'd make anyway.
PROS
- No annual fee
- 100 welcome bonus points
- Apple Pay compatible
- Contactless payments for convenient transactions
- Free of charge for FNAC members
- Customizable card design for CHF 30
- Earn 1 point for every CHF 5 spent at FNAC, redeemable for discounts
CONS
- High foreign exchange fee (2%)
- No travel insurance
- No medical coverage
- No airport lounge access
- No concierge service
Card Details
At a Glance
Annual fee
Free
Rewards rate
0.2 points/CHF
FX Fee
2%
Welcome bonus
100 CHF cash
Fees & Costs
Fees & Costs
First year annual fee
No annual fee
Annual fee (after first year)
No annual fee
Foreign exchange fee
2%
Cash Withdrawal (Domestic)
3.75% (min CHF 10)
Cash Withdrawal (International)
5.75% (min CHF 10)
Late Payment Fee
CHF 30
Additional Cards
1 free additional cards
Rewards Program
Rewards Program
Rewards type
Points
Base rewards rate
0.2 / CHF
Welcome bonus
100 CHF cash
Insurance & Protection
Insurance & Protection
Travel insurance coverage
No travel insurance
Medical insurance coverage
No medical coverage
Purchase protection
No purchase protection
Card Features
Card Features
Card Network
Mastercard
Card Type
Standard
Currency
CHF
Minimum income requirement
No income requirement
Monthly spending limit
CHF 20'000
Airport lounge access
Concierge service
Key Features
- Free of charge for FNAC members
- Customizable card design for CHF 30
- Earn 1 point for every CHF 5 spent at FNAC, redeemable for discounts
- Multiple mobile payment options
- 24-hour customer service support
Calculate If This Card Is Worth It for You
= CHF 30'000/year
You Pay
CHF 0
per year
You Get Back
CHF 160
estimated value
Bottom Line
+CHF 160
in your pocket
Annual calculation:
CHF 30'000/yr × 0.2 points/CHF × 1 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 much do FNAC points actually convert to?
- Linearly until you hit 500 points, then it jumps. 100 points = CHF 10, 200 = CHF 20, 300 = CHF 30, 400 = CHF 40, but 500 = CHF 100. That last tier is worth waiting for. If you're at 480 points and tempted to redeem, hold on; the extra 20 points buys you CHF 60 in additional store credit.
- How fast do FNAC points accumulate at FNAC?
- 1 point per CHF 5 spent at FNAC. A CHF 500 console nets you 100 points (CHF 10 store credit). To unlock the 500-point bonus tier (CHF 100 credit), you'd need CHF 2,500 in FNAC purchases. Heavy book and electronics buyers reach it; casual shoppers won't.
- What's the late payment fee on this card?
- CHF 30, above the typical Swiss late fee of CHF 20 to 22. You'll also lose pending FNAC points if the account becomes overdue. Set up direct debit through your bank and forget about it.
How We Rated This Card
Wondering why Fnac Mastercard got its score? We rate Cashback 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 Fnac Mastercard today and start enjoying its benefits.