LIPO Mastercard

Free card that earns points everywhere, redeemable at LIPO. For budget furniture shoppers.

The LIPO Mastercard is a free store card that earns 1 point per CHF 1 on all purchases, redeemable for LIPO furniture discounts. If you're furnishing a home on a budget and LIPO is your go-to retailer, this no-cost card adds value to purchases you'd make anyway.

Is It Worth Getting?

If you shop at LIPO, yes. The card is completely free with no annual fee, no hidden charges. 1 point per CHF 1 spent everywhere accumulates toward LIPO redemptions. If you spend CHF 10,000 annually on the card, you earn 10,000 points for future furniture discounts.

The earning applies on all purchases, not just LIPO spending. Your everyday purchases build toward your next sofa, mattress, or home goods. Zero risk since there's no fee.

What Actually Stands Out

The simplicity is the feature. No categories to track, no spending thresholds, no complicated point structures. Every franc spent earns one point. Period. Points redeem at LIPO for straightforward discounts on furniture and home goods.

Apple Pay, Google Pay, Samsung Pay, and Garmin Pay all work. Unlimited free additional cards for family members means shared earning toward household furniture goals. 24-hour service if you need card support.

What Most Reviews Miss

The 2% FX fee is average, not exceptional. For international travel or foreign online shopping, other cards (Cornèrcard at 1.2%) offer better rates. This card is optimized for Swiss domestic spending with LIPO redemption.

If you don't actually shop at LIPO, the points have limited value. Other free cards like Certo One (1% cashback everywhere) or Coop Supercard (grocery rewards) might suit different lifestyles better. Match the card to your actual shopping patterns.

The Bottom Line

A solid free card for budget-conscious furniture shoppers who use LIPO. Simple earning, no fees, real value if you redeem at LIPO. If LIPO isn't your retailer, consider other free alternatives. Compare options in our best credit cards in Switzerland guide.

Verdict: Get it if you shop at LIPO. Costs nothing, earns something. No downside.