LibertyCard Plus Visa
LibertyCard
Overall Rating
Annual fee
CHF 150
Network
Visa
Rewards Type
Points
Also good for
Our Take on 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. Also available on the other network: LibertyCard Plus Mastercard.
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. Our credit card insurance guide compares coverage across all Swiss cards.
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. This card is also available on Mastercard with identical benefits.
Verdict: Worth upgrading if transportation spending exceeds CHF 3,000 annually and you want insurance. Otherwise, evaluate other options.
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
- 1 Liberty point per 1 franc spent
- Travel insurance coverage of up to 200,000 Swiss francs for medical expenses.
- 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
1 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
1 / 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
Visa
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
- 1 Liberty point per 1 franc spent
- Travel insurance coverage of up to 200,000 Swiss francs for medical expenses.
- Free emergency credit card once a year
- Concierge service with no additional booking fees
- Up to 20,000 Swiss francs coverage for trip cancellations.
Calculate If This Card Is Worth It for You
= CHF 30'000/year
You Pay
CHF 150
per year
You Get Back
CHF 450
estimated value
Bottom Line
+CHF 300
in your pocket
Annual calculation:
CHF 30'000/yr × 1 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
- What does the 'Plus' actually add over the standard LibertyCard?
- Two practical things. Transport spend earns 4 points per franc instead of 2 (so SBB and gas stations effectively yield 2% in points rather than 1%), and your monthly spending limit jumps from CHF 10,000 to CHF 90,000. Worthwhile only if you actually spend in those areas.
- Why does the Plus supplementary card cost CHF 75?
- CHF 75 per partner card per year, well above the cashback segment average of roughly CHF 22. The Plus tier prices supplementary cards closer to premium card pricing. If a partner doesn't need the higher limit, give them the standard LibertyCard supplementary at CHF 30 instead.
- How much extra do I earn on an SBB GA Travelcard?
- A CHF 4,000 SBB GA Travelcard earns 16,000 Liberty points on the Plus (versus 4,000 on the standard). That's CHF 160 in rewards versus CHF 40. If you commute by train or run business travel through SBB, the 4x rate alone can offset the fee difference between Plus and standard.
How We Rated This Card
Wondering why LibertyCard Plus Visa 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 Visa today and start enjoying its benefits.