Également bon pour
Notre Avis sur LibertyCard Mastercard
Double points on every train ticket, fuel stop, and parking meter. For Swiss commuters, this adds up fast.
The LibertyCard Mastercard rewards your daily commute with 2x points on all transportation spending. LibertyCard also issues this on Visa with identical terms. At CHF 60 annually, the card is built for people who spend regularly on transit, gas, parking, and car rentals. If those categories are meaningful in your budget, the focused bonus outperforms generic flat-rate alternatives. See also the LibertyCard Visa.
How the Transportation Bonus Works
Every franc you spend on public transit (SBB/CFF, local buses, trams), gas stations, parking, and car rentals earns 2 Liberty points instead of 1. That is double the base rate, applied automatically. CHF 3,000 in annual transportation spending generates 6,000 points, worth roughly CHF 30-60.
On top of that, MyCountry activates double points on all foreign purchases. Spend CHF 2,000 abroad and collect another 4,000 points. Combine both bonuses and a moderate spender can pull CHF 50-100 in annual return from a CHF 60 card.
What Actually Stands Out
CHF 10,000 trip cancellation insurance is included at no extra cost. That covers most domestic and short-haul European trips. For a CHF 60 card, having any insurance at all is a nice addition.
Apple Pay, Google Pay, Samsung Pay, and Garmin Pay all work. The card handles everyday payments well beyond the transportation niche. Additional cards cost CHF 30 each if you want one for a partner.
What Most Reviews Miss
The 2% FX fee is above average. While MyCountry double points abroad offset some of that cost, the FX rate itself is not competitive. If you spend heavily in foreign currencies, a Cornèrcard (1.2% FX) may save more than LibertyCard's bonus points earn.
Also, the value drops sharply if you don't commute or drive. Work-from-home lifestyles remove most of the transportation bonus. Before committing, tally your actual monthly transit and fuel expenses.
The Bottom Line
A focused card that rewards commuting and travel at an accessible price point. If transportation is a top spending category, the doubled earning genuinely outperforms flat-rate cards. Compare alternatives in our best cashback credit cards in Switzerland guide.
Verdict: Strong choice for daily commuters and frequent drivers. Less compelling if transportation is not a significant part of your budget.
AVANTAGES
- 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.
INCONVÉNIENTS
- High foreign exchange fee (2%)
- No welcome bonus
- No medical coverage
- No airport lounge access
- No concierge service
Détails de la carte
En un coup d'œil
Frais annuels
CHF 60
Taux de récompense
1 points/CHF
Frais FX
2%
Couverture d'assurance voyage
CHF 10'000
Frais & Coûts
Frais & Coûts
Frais annuels la première année
CHF 60
Frais annuels (après la première année)
CHF 60
Frais de change
2%
Retrait d'Espèces (National)
4% (min CHF 10)
Retrait d'Espèces (International)
6% (min CHF 10)
Frais de Retard
CHF 20
Cartes supplémentaires
CHF 30/carte/an
Programme de Récompenses
Programme de Récompenses
Type de récompense
Points
Taux de récompense de base
1 / CHF
Assurance & Protection
Assurance & Protection
Couverture d'assurance voyage
CHF 10'000
Couverture d'assurance médicale
Pas de couverture médicale
Protection des achats
Pas de protection des achats
Caractéristiques de la Carte
Caractéristiques de la Carte
Réseau de la Carte
Mastercard
Type de Carte
Standard
Devise
CHF
Revenu minimum requis
Aucune exigence de revenu
Limite de dépenses mensuelles
CHF 10'000
Accès aux salons d'aéroport
Service de conciergerie
Caractéristiques Principales
- 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)
Calculez si cette carte en vaut la peine pour vous
= CHF 30'000/year
Vous payez
CHF 60
par an
Vous recevez
CHF 350
valeur estimée
Bilan
+CHF 290
dans votre poche
Calcul annuel :
CHF 30'000/yr × 1 points/CHF × 1 ct
Déplacez le curseur pour voir la valeur. Miles: 1,5 ct, points: 1 ct.
Note par Catégorie
Comparer avec d'autres cartes
Questions fréquemment posées
- Is the LibertyCard Mastercard worth keeping if I rarely drive or commute?
- Probably not. The transport multiplier is the main differentiator, and outside of mobility spend you earn just 1 point per franc (around 0.5% return). If your gas, public transport, and rental spend is under CHF 300 a month, a flat-rate cashback card likely pays more.
- How does MyCountry boost my earnings when I'm abroad?
- Double points on every foreign purchase, layered on top of the base earn rate. So foreign transport earns 4 points per franc (2 base x 2 MyCountry), foreign restaurants and shopping earn 2 points per franc. The boost applies automatically when the merchant bills in foreign currency.
- How much does a partner card cost?
- CHF 30 per year for one supplementary card. That's slightly above the cashback segment average of CHF 22 but lower than most premium cards. Worth it if your partner uses transport-heavy spend that benefits from the 2x bonus and double-abroad points.
Comment nous avons noté cette carte
Vous vous demandez pourquoi LibertyCard Mastercard a obtenu ce score ? On note les cartes Cashback avec une formule pondérée. Voici ce qui compte :
Même formule pour toutes les cartes de cette catégorie. Sans exception.
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