LibertyCard Plus Visa

4x points on transportation (double the standard card) plus CHF 200,000 medical coverage and concierge.

The LibertyCard Plus Visa quadruples transportation rewards while adding premium insurance and concierge service. At CHF 150 annually, it's built for heavy transportation spenders who also want genuine travel protection. The upgrade from standard LibertyCard makes sense if your transportation spending justifies the doubled earning rate.

Is CHF 150 Worth It?

The math depends on transportation spending. 4 Liberty points per CHF 1 on transportation versus 2x on standard LibertyCard. If you spend CHF 5,000 annually on transit, gas, and car rentals, you earn 20,000 points (worth roughly CHF 100-200) versus 10,000 on the standard card.

Add CHF 200,000 medical coverage abroad (worth CHF 100-150 standalone) and CHF 20,000 trip cancellation (worth CHF 30-50). The insurance value alone approaches the fee. For heavy transportation spenders who travel, the combined value significantly exceeds CHF 150.

What Actually Stands Out

The 4x transportation earning genuinely differentiates this from other cards. Most cards offer 0.5-1x on transportation; this offers 4x. For commuters with CHF 200+ monthly transit expenses or drivers filling up weekly, the points accumulate rapidly.

Concierge service with no booking fees adds luxury-card functionality. Restaurant reservations, event tickets, travel planning. The 1.75% FX fee is better than standard LibertyCard (2%), making foreign spending more cost-effective.

What Most Reviews Miss

CHF 200,000 medical coverage is solid but not exceptional. Cantonal bank gold cards typically offer CHF 250,000. For most travelers, CHF 200,000 is adequate, but it's not premium-level coverage. Serious medical emergencies (helicopter evacuations, US hospitalization) can exceed this.

The value concentrates heavily in transportation spending. If you work from home and rarely travel, the upgrade from standard LibertyCard to Plus may not be worthwhile. Check your actual spending patterns.

The Bottom Line

A strong upgrade for heavy transportation spenders who travel internationally. The 4x earning and insurance combine well for commuters who also want travel protection. If transportation isn't a major category, standard LibertyCard or other premium cards may serve better. Compare alternatives in our best premium credit cards in Switzerland guide.

Verdict: Worth upgrading if transportation spending exceeds CHF 3,000 annually and you want insurance. Otherwise, evaluate other options.