Buona anche per
Il Nostro Parere su 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.
PRO
- 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
CONTRO
- High foreign exchange fee (2%)
- No travel insurance
- No medical coverage
- No airport lounge access
- No concierge service
Dettagli della carta
In sintesi
Quota annuale
Gratuito
Tasso premi
0.2 punti/CHF
Comm. FX
2%
Bonus di benvenuto
100 CHF cash
Commissioni e Costi
Commissioni e Costi
Quota annuale primo anno
Nessun canone annuale
Quota annuale (dopo il primo anno)
Nessun canone annuale
Commissione valuta estera
2%
Prelievo Contanti (Nazionale)
3.75% (min CHF 10)
Prelievo Contanti (Internazionale)
5.75% (min CHF 10)
Commissione Ritardo Pagamento
CHF 30
Carte aggiuntive
1 carte aggiuntive gratuite
Programma Premi
Programma Premi
Tipo di premi
Points
Tasso premi base
0.2 / CHF
Bonus di benvenuto
100 CHF cash
Assicurazione e Protezione
Assicurazione e Protezione
Copertura assicurativa viaggio
Nessuna assicurazione viaggio
Copertura assicurativa medica
Nessuna copertura medica
Protezione degli acquisti
Nessuna protezione acquisti
Caratteristiche della Carta
Caratteristiche della Carta
Circuito della Carta
Mastercard
Tipo di Carta
Standard
Valuta
CHF
Requisito di reddito minimo
Nessun requisito di reddito
Limite di spesa mensile
CHF 20'000
Accesso alle lounge aeroportuali
Servizio di concierge
Caratteristiche Principali
- 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
Calcola se questa carta ne vale la pena per te
= CHF 30'000/year
Paghi
CHF 0
all'anno
Ricevi
CHF 160
valore stimato
In sintesi
+CHF 160
in tasca
Calcolo annuale:
CHF 30'000/yr × 0.2 points/CHF × 1 ct
Sposta il cursore per vedere il valore. Miles: 1,5 ct, punti: 1 ct.
Valutazione per Categoria
Confronta con altre carte
Domande frequenti
- 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.
Come abbiamo valutato questa carta
Ti chiedi perché Fnac Mastercard ha questo punteggio? Valutiamo le carte Cashback con una formula ponderata. Ecco cosa conta:
Stessa formula per ogni carta in questa categoria. Senza eccezioni.
Vedi la nostra metodologia completaPronto a Fare Richiesta?
Richiedi la Fnac Mastercard oggi e inizia a goderti i suoi vantaggi.