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Il Nostro Parere su LibertyCard Mastercard
Identical to LibertyCard Visa. Same double transportation points, different network.
The LibertyCard Mastercard is functionally identical to its Visa sibling: same CHF 60 fee, same double points on transportation, same MyCountry double points abroad, same CHF 10,000 trip insurance. Your network choice is purely about personal preference or portfolio diversity.
Does Network Choice Actually Matter?
In Switzerland, Visa and Mastercard acceptance is virtually identical. Both work at essentially every retailer, restaurant, and online store. The transportation bonus (2 points per CHF 1 on transit, gas, car rentals) works identically on both. The MyCountry double points abroad works identically. The trip insurance is identical.
Pick based on which network you don't already have, or flip a coin. For a category-focused card like this, the network matters even less than usual.
What Actually Stands Out
Everything matches the Visa version. CHF 60 annual fee. 2 Liberty points per CHF 1 on transportation (public transit, gas stations, car rentals). MyCountry double points on all foreign purchases. CHF 10,000 trip cancellation coverage.
Apple Pay, Google Pay, Samsung Pay, and Garmin Pay all work on both cards. The 2% FX fee is identical. Additional cards cost CHF 30 each on both.
What Most Reviews Miss
The value proposition centers entirely on transportation spending. If you work from home, rarely drive, and don't travel much, most of this card's differentiation doesn't apply to you. Check your actual transportation spending before choosing this over a simpler flat-rate card.
LibertyCard offers both networks so customers have options. Neither is objectively better. The products are interchangeable in every way that affects your daily experience.
The Bottom Line
Same transportation-focused value as the Visa, on the Mastercard network. Network choice has no practical impact on the bonuses or insurance. Compare alternatives in our best cashback credit cards in Switzerland guide.
Verdict: Identical to LibertyCard Visa. Choose Mastercard if you want network diversity or already have Visa cards.
PRO
- Travel insurance coverage up to CHF 10,000
- Apple Pay compatible
- Contactless payments for convenient transactions
- 1 Liberty point per 1 franc spent
- Double points earned on purchases abroad
- Travel insurance coverage of up to 10,000 Swiss francs for trip cancellations.
CONTRO
- High foreign exchange fee (2%)
- No welcome bonus
- No medical coverage
- No airport lounge access
- No concierge service
Dettagli della carta
In sintesi
Quota annuale
CHF 60
Tasso premi
1 punti/CHF
Comm. FX
2%
Copertura assicurativa viaggio
CHF 10,000
Commissioni e Costi
Commissioni e Costi
Quota annuale primo anno
CHF 60
Quota annuale (dopo il primo anno)
CHF 60
Commissione valuta estera
2%
Prelievo Contanti (Nazionale)
4% (min CHF 10)
Prelievo Contanti (Internazionale)
6% (min CHF 10)
Commissione Ritardo Pagamento
CHF 20
Carte aggiuntive
CHF 30/carta/anno
Programma Premi
Programma Premi
Tipo di premi
Points
Tasso premi base
1 / CHF
Assicurazione e Protezione
Assicurazione e Protezione
Copertura assicurativa viaggio
CHF 10,000
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 10,000
Accesso alle lounge aeroportuali
Servizio di concierge
Caratteristiche Principali
- 1 Liberty point per 1 franc spent
- Double points earned on purchases abroad
- Travel insurance coverage of up to 10,000 Swiss francs for trip cancellations.
- No annual fee
- Multiple mobile payment options (Samsung Pay, Apple Pay, Google Pay, Garmin Pay)
Calcola se questa carta ne vale la pena per te
= CHF 30’000/year
Paghi
CHF 60
all'anno
Ricevi
CHF 350
valore stimato
In sintesi
+CHF 290
in tasca
Calcolo annuale:
CHF 30’000/yr × 1 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
- What is the annual fee for the LibertyCard Mastercard?
- The LibertyCard Mastercard has an annual fee of CHF 60.
- What are the foreign transaction fees for the LibertyCard Mastercard?
- The LibertyCard Mastercard charges a 2% foreign exchange fee on international transactions.
- What rewards does the LibertyCard Mastercard offer?
- The LibertyCard Mastercard offers points rewards at a base rate of 1 per CHF spent.
- What insurance coverage does the LibertyCard Mastercard include?
- The LibertyCard Mastercard includes travel insurance up to CHF 10,000 and medical coverage up to CHF 0 abroad.
- Is the LibertyCard Mastercard compatible with Apple Pay?
- Yes, the LibertyCard Mastercard is fully compatible with Apple Pay for contactless mobile payments.
Come abbiamo valutato questa carta
Ti chiedi perché LibertyCard Mastercard ha questo punteggio? Valutiamo le carte Cashback con una formula ponderata. Ecco cosa conta:
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