Auch gut für
Unsere Einschätzung zur 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 1% cashback everywhere, 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.
VORTEILE
- 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
NACHTEILE
- High foreign exchange fee (2%)
- No travel insurance
- No medical coverage
- No airport lounge access
- No concierge service
Kartendetails
Auf einen Blick
Jahresgebühr
Kostenlos
Prämiensatz
0.2 Punkte/CHF
FX-Gebühr
2%
Willkommensbonus
100 CHF cash
Gebühren & Kosten
Gebühren & Kosten
Jahresgebühr im ersten Jahr
Keine Jahresgebühr
Jahresgebühr (nach dem ersten Jahr)
Keine Jahresgebühr
Fremdwährungsgebühr
2%
Bargeldabhebung (Inland)
3.75% (min CHF 10)
Bargeldabhebung (Ausland)
5.75% (min CHF 10)
Verzugsgebühr
CHF 30
Zusatzkarten
1 kostenlose Zusatzkarten
Prämienprogramm
Prämienprogramm
Prämientyp
Points
Basis-Prämiensatz
0.2 / CHF
Willkommensbonus
100 CHF cash
Versicherung & Schutz
Versicherung & Schutz
Reiseversicherungsschutz
Keine Reiseversicherung
Krankenversicherungsschutz
Keine medizinische Versorgung
Kaufschutz
Kein Käuferschutz
Kartenmerkmale
Kartenmerkmale
Kartennetzwerk
Mastercard
Kartentyp
Standard
Währung
CHF
Mindesteinkommensanforderung
Keine Einkommensanforderung
Monatliches Ausgabenlimit
CHF 20'000
Zugang zu Flughafen-Lounges
Concierge-Service
Hauptmerkmale
- 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
Berechnen Sie, ob sich diese Karte für Sie lohnt
= CHF 30'000/year
Sie zahlen
CHF 0
pro Jahr
Sie erhalten
CHF 160
geschätzter Wert
Unterm Strich
+CHF 160
in Ihrer Tasche
Jährliche Berechnung:
CHF 30'000/yr × 0.2 points/CHF × 1 ct
Verschieben Sie den Regler, um den Kartenwert zu sehen. Meilen: 1,5 Rp., Punkte: 1 Rp.
Bewertung nach Kategorie
Mit anderen Karten vergleichen
Häufig gestellte Fragen
- 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.
So haben wir diese Karte bewertet
Sie fragen sich, warum Fnac Mastercard diese Bewertung hat? Wir bewerten Cashback-Karten mit einer gewichteten Formel. Das zählt:
Gleiche Formel für jede Karte in dieser Kategorie. Keine Ausnahmen.
Unsere komplette Methodik ansehenBereit zur Beantragung?
Beantragen Sie die Fnac Mastercard noch heute und geniessen Sie ihre Vorteile.