Auch gut für
Unsere Einschätzung zur 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.
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
- 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
NACHTEILE
- High annual fee (CHF 150)
- No welcome bonus
- No airport lounge access
Kartendetails
Auf einen Blick
Jahresgebühr
CHF 150
Prämiensatz
1 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
1 / CHF
Versicherung & Schutz
Versicherung & Schutz
Reiseversicherungsschutz
CHF 20,000
Krankenversicherungsschutz
CHF 200,000
Kaufschutz
Kein Käuferschutz
Kartenmerkmale
Kartenmerkmale
Kartennetzwerk
Visa
Kartentyp
Gold
Währung
CHF
Mindesteinkommensanforderung
Keine Einkommensanforderung
Monatliches Ausgabenlimit
CHF 90,000
Zugang zu Flughafen-Lounges
Concierge-Service
24/7 Concierge-Service inklusive
Hauptmerkmale
- 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.
Berechnen Sie, ob sich diese Karte für Sie lohnt
= CHF 30’000/year
Sie zahlen
CHF 150
pro Jahr
Sie erhalten
CHF 450
geschätzter Wert
Unterm Strich
+CHF 300
in Ihrer Tasche
Jährliche Berechnung:
CHF 30’000/yr × 1 points/CHF × 1 ct
Verschieben Sie den Regler, um den Kartenwert zu sehen. Meilen: 1,5 Rp., Punkte: 1 Rp.
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Häufig gestellte Fragen
- What is the annual fee for the LibertyCard Plus Visa?
- The LibertyCard Plus Visa has an annual fee of CHF 150.
- What are the foreign transaction fees for the LibertyCard Plus Visa?
- The LibertyCard Plus Visa charges a 1.75% foreign exchange fee on international transactions.
- What rewards does the LibertyCard Plus Visa offer?
- The LibertyCard Plus Visa offers points rewards at a base rate of 1 per CHF spent.
- What insurance coverage does the LibertyCard Plus Visa include?
- The LibertyCard Plus Visa includes travel insurance up to CHF 20,000 and medical coverage up to CHF 200,000 abroad.
- Is the LibertyCard Plus Visa compatible with Apple Pay?
- Yes, the LibertyCard Plus Visa is fully compatible with Apple Pay for contactless mobile payments.
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