Auch gut für
Unsere Einschätzung zur LibertyCard Plus Mastercard
Identical to LibertyCard Plus Visa. Same 4x transportation, same CHF 200,000 coverage, different network.
The LibertyCard Plus Mastercard is functionally identical to its Visa sibling: same CHF 150 fee, same 4x transportation earning, same CHF 200,000 medical coverage, same concierge service. 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 4x transportation bonus works identically on both. The CHF 200,000 medical coverage is identical. The concierge service is identical.
Pick based on which network you don't already have, or flip a coin. For a premium card like this, the network matters less than the underlying benefits.
What Actually Stands Out
Everything matches the Visa version. CHF 150 annual fee. 4 Liberty points per CHF 1 on transportation (transit, gas, car rentals). CHF 200,000 medical coverage abroad. CHF 20,000 trip cancellation. Concierge service with no booking fees.
Apple Pay, Google Pay, Samsung Pay, and Garmin Pay all work. The 1.75% FX fee is identical. Additional cards cost CHF 75 each on both.
What Most Reviews Miss
The value proposition is identical between networks. LibertyCard offers both so customers have options. Neither Visa nor Mastercard offers better insurance, better earning, or better service. The products are interchangeable.
The meaningful decision is whether LibertyCard Plus makes sense for your spending patterns, not which network to choose. If transportation is a major category and you travel internationally, the card is valuable on either network.
The Bottom Line
Same excellent value as LibertyCard Plus Visa, on the Mastercard network. Network choice has no practical impact on benefits or earning. Compare alternatives in our best premium credit cards in Switzerland guide.
Verdict: Identical to Plus Visa. Choose Mastercard if you want network diversity or already have Visa cards.
VORTEILE
- Travel insurance coverage up to CHF 20,000
- Up to CHF 200,000 coverage for medical expenses
- Concierge service
- Apple Pay compatible
- Contactless payments for convenient transactions
- 4 Liberty point per 1 franc spent
- Comprehensive travel insurance coverage up to 200,000 Swiss francs
- Free emergency credit card once a year
NACHTEILE
- High annual fee (CHF 150)
- No welcome bonus
- No airport lounge access
Kartendetails
Auf einen Blick
Jahresgebühr
CHF 150
Prämiensatz
4 Punkte/CHF
FX-Gebühr
1.75%
Reiseversicherungsschutz
CHF 20,000
Gebühren & Kosten
Gebühren & Kosten
Jahresgebühr im ersten Jahr
CHF 150
Jahresgebühr (nach dem ersten Jahr)
CHF 150
Fremdwährungsgebühr
1.75%
Bargeldabhebung (Inland)
4% (min CHF 10)
Bargeldabhebung (Ausland)
5.75% (min CHF 10)
Verzugsgebühr
CHF 20
Zusatzkarten
CHF 75/Karte/Jahr
Prämienprogramm
Prämienprogramm
Prämientyp
Points
Basis-Prämiensatz
4 / CHF
Versicherung & Schutz
Versicherung & Schutz
Reiseversicherungsschutz
CHF 20,000
Krankenversicherungsschutz
CHF 200,000
Kaufschutz
Kein Käuferschutz
Kartenmerkmale
Kartenmerkmale
Kartennetzwerk
Mastercard
Kartentyp
Gold
Währung
CHF
Mindesteinkommensanforderung
Keine Einkommensanforderung
Monatliches Ausgabenlimit
CHF 90,000
Zugang zu Flughafen-Lounges
Concierge-Service
24/7 Concierge-Service inklusive
Hauptmerkmale
- 4 Liberty point per 1 franc spent
- Comprehensive travel insurance coverage up to 200,000 Swiss francs
- Free emergency credit card once a year
- 24-hour service support for cardholders
- Concierge service with no additional booking fees
Berechnen Sie, ob sich diese Karte für Sie lohnt
= CHF 30’000/year
Sie zahlen
CHF 150
pro Jahr
Sie erhalten
CHF 1’350
geschätzter Wert
Unterm Strich
+CHF 1’200
in Ihrer Tasche
Jährliche Berechnung:
CHF 30’000/yr × 4 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
- What is the annual fee for the LibertyCard Plus Mastercard?
- The LibertyCard Plus Mastercard has an annual fee of CHF 150.
- What are the foreign transaction fees for the LibertyCard Plus Mastercard?
- The LibertyCard Plus Mastercard charges a 1.75% foreign exchange fee on international transactions.
- What rewards does the LibertyCard Plus Mastercard offer?
- The LibertyCard Plus Mastercard offers points rewards at a base rate of 4 per CHF spent.
- What insurance coverage does the LibertyCard Plus Mastercard include?
- The LibertyCard Plus Mastercard includes travel insurance up to CHF 20,000 and medical coverage up to CHF 200,000 abroad.
- Is the LibertyCard Plus Mastercard compatible with Apple Pay?
- Yes, the LibertyCard Plus Mastercard is fully compatible with Apple Pay for contactless mobile payments.
So haben wir diese Karte bewertet
Sie fragen sich, warum LibertyCard Plus 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 LibertyCard Plus Mastercard noch heute und geniessen Sie ihre Vorteile.