LibertyCard Plus Mastercard
LibertyCard
Overall Rating
Annual fee
CHF 150
Network
Mastercard
Rewards Type
Points
Also good for
Our Take on LibertyCard Plus Mastercard
4x transportation points and CHF 200,000 medical coverage. Built for Swiss commuters who also travel.
The LibertyCard Plus Mastercard quadruples your earning on transit, fuel, and car rentals while bundling solid travel insurance. LibertyCard offers the same Plus package on Visa with identical features. At CHF 150 annually, this card targets heavy commuters who also fly internationally and want real medical protection abroad. See also the LibertyCard Plus Visa.
Why 4x Transportation Changes the Math
Standard credit cards earn 0.5-1 point per franc on transportation. This card earns 4 Liberty points per CHF 1 on transit, gas, parking, and car rentals. If you spend CHF 5,000 a year in these categories, that is 20,000 points, worth roughly CHF 100-200 depending on how you redeem.
Compare that to the standard LibertyCard at 2x: same spending yields only 10,000 points. The upgrade from CHF 60 to CHF 150 doubles your transportation earning. For anyone spending CHF 3,000+ annually on commuting costs, the higher fee pays for itself.
What Actually Stands Out
CHF 200,000 medical coverage abroad is the insurance headline. A serious medical event overseas can cost tens of thousands of francs; this coverage handles most scenarios. Add CHF 20,000 trip cancellation and you have a meaningful safety net for international travel.
The concierge service handles restaurant bookings, event tickets, and travel logistics with no booking fees. The 1.75% FX fee improves on the standard LibertyCard's 2%, keeping foreign transactions more cost-effective.
What Most Reviews Miss
CHF 200,000 medical coverage sounds high but is not the top tier. Several cantonal bank gold cards offer CHF 250,000. For most trips to Europe or Asia, CHF 200,000 is more than adequate. But US hospitalization or helicopter evacuations can exceed that. Know your travel patterns.
The card's value still depends heavily on transportation spending. If you rarely commute or drive, the 4x bonus sits unused. In that case, a general-purpose gold card with broader rewards might deliver more. Check our credit card insurance guide for coverage comparisons.
The Bottom Line
The strongest card in Switzerland for commuters who also travel internationally. The 4x transportation bonus and CHF 200,000 medical coverage together create a compelling package at CHF 150. Compare alternatives in our best premium credit cards in Switzerland guide.
Verdict: Upgrade from standard LibertyCard if your transportation spending exceeds CHF 3,000 yearly and you want travel insurance included.
PROS
- 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
CONS
- High annual fee (CHF 150)
- No welcome bonus
- No airport lounge access
Card Details
At a Glance
Annual fee
CHF 150
Rewards rate
4 points/CHF
FX Fee
1.75%
Travel insurance coverage
CHF 20'000
Fees & Costs
Fees & Costs
First year annual fee
CHF 150
Annual fee (after first year)
CHF 150
Foreign exchange fee
1.75%
Cash Withdrawal (Domestic)
4% (min CHF 10)
Cash Withdrawal (International)
5.75% (min CHF 10)
Late Payment Fee
CHF 20
Additional Cards
CHF 75/card/year
Rewards Program
Rewards Program
Rewards type
Points
Base rewards rate
4 / CHF
Insurance & Protection
Insurance & Protection
Travel insurance coverage
CHF 20'000
Medical insurance coverage
CHF 200'000
Purchase protection
No purchase protection
Card Features
Card Features
Card Network
Mastercard
Card Type
Gold
Currency
CHF
Minimum income requirement
No income requirement
Monthly spending limit
CHF 90'000
Airport lounge access
Concierge service
24/7 concierge service included
Key Features
- 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
Calculate If This Card Is Worth It for You
= CHF 30'000/year
You Pay
CHF 150
per year
You Get Back
CHF 1'350
estimated value
Bottom Line
+CHF 1'200
in your pocket
Annual calculation:
CHF 30'000/yr × 4 points/CHF × 1 ct
Move the slider to see how your spending affects the card's value. Miles: 1.5 ct, points: 1 ct.
Rating by Category
Compare to Other Cards
Frequently Asked Questions
- Plus Mastercard or Plus Visa: does it matter?
- Same earn rates, same insurance, same CHF 75 supplementary fee. Pick Mastercard if you prefer slightly broader European acceptance at small merchants; Visa is more universally accepted in North America for rental car and hotel holds. For domestic spend the difference is negligible.
- Is the 4x transport rate worth the higher annual fee over the standard LibertyCard?
- Depends on your transport spend. Plus earns 4 points per franc on transport versus 2 on the standard card. At CHF 500 monthly in transport (gas, GA, parking), you earn an extra 12,000 points yearly, roughly CHF 120 in rewards. That covers the fee difference if you're consistent.
- How does MyCountry stack with the Plus rates?
- Double points on every foreign purchase, layered on top of the Plus base rate. Foreign transport earns 8 points per franc (4 Plus base x 2 MyCountry), foreign restaurants and shopping earn 2 points per franc. Pair with the CHF 90,000 monthly limit and the Plus suits travelers who put big foreign trips on one card.
How We Rated This Card
Wondering why LibertyCard Plus Mastercard got its score? We rate Cashback cards using a weighted formula. Here's what counts:
Same formula for every card in this category. No exceptions.
See our full rating methodologyReady to Apply?
Apply for the LibertyCard Plus Mastercard today and start enjoying its benefits.