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Il Nostro Parere su 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.
PRO
- No annual fee
- 1 welcome bonus points
- Apple Pay compatible
- Contactless payments for convenient transactions
- Multiple mobile payment options (Samsung Pay, Apple Pay, Google Pay, Garmin Pay)
- 24-hour customer service support
CONTRO
- High foreign exchange fee (2%)
- No travel insurance
- No medical coverage
- No airport lounge access
- No concierge service
Dettagli della carta
In sintesi
Quota annuale
Gratuito
Tasso premi
1 punti/CHF
Comm. FX
2%
Bonus di benvenuto
1 pts/1CHF Points
Commissioni e Costi
Commissioni e Costi
Quota annuale primo anno
Nessun canone annuale
Quota annuale (dopo il primo anno)
Nessun canone annuale
Commissione valuta estera
2%
Prelievo Contanti (Nazionale)
3.75% (min CHF 10)
Prelievo Contanti (Internazionale)
5.75% (min CHF 10)
Commissione Ritardo Pagamento
CHF 30
Carte aggiuntive
-
Programma Premi
Programma Premi
Tipo di premi
Points
Tasso premi base
1 / CHF
Bonus di benvenuto
1 pts/1CHF Points
Earn 1 points per CHF 1 spent
Assicurazione e Protezione
Assicurazione e Protezione
Copertura assicurativa viaggio
Nessuna assicurazione viaggio
Copertura assicurativa medica
Nessuna copertura medica
Protezione degli acquisti
Nessuna protezione acquisti
Caratteristiche della Carta
Caratteristiche della Carta
Circuito della Carta
Mastercard
Tipo di Carta
Standard
Valuta
CHF
Requisito di reddito minimo
Nessun requisito di reddito
Limite di spesa mensile
CHF 20'000
Accesso alle lounge aeroportuali
Servizio di concierge
Caratteristiche Principali
- 1 welcome bonus points
- Multiple mobile payment options (Samsung Pay, Apple Pay, Google Pay, Garmin Pay)
- 24-hour customer service support
- Contactless payments for convenient transactions
- No annual fee
Calcola se questa carta ne vale la pena per te
= CHF 30'000/year
Paghi
CHF 0
all'anno
Ricevi
CHF 300
valore stimato
In sintesi
+CHF 300
in tasca
Calcolo annuale:
CHF 30'000/yr × 1 points/CHF × 1 ct
Sposta il cursore per vedere il valore. Miles: 1,5 ct, punti: 1 ct.
Valutazione per Categoria
Confronta con altre carte
Domande frequenti
- Do I need to be a student to get this card?
- No, despite the 'student' label. There's no income requirement, employment requirement, or enrollment proof needed; that's standard for Swiss store-affiliated cards. You'll still pass a basic credit check (ZEK), but you don't need payslips. Useful if you're between jobs or self-employed without consistent income.
- How many free supplementary cards can I add on LIPO?
- Unlimited, all free. Both Swiss student-tier cards in our database offer this, but LIPO makes the policy explicit. Useful if you share spending with a partner or want a backup card stashed at home, none of it adds to your annual cost.
- What's the late payment fee on this card?
- CHF 30, above the average across student cards (around CHF 25) and the broader market (CHF 20-22). LIPO has no annual fee, so the late charge is one of the few ways the issuer makes money on inactive accounts. Set up direct debit to avoid it.
Come abbiamo valutato questa carta
Ti chiedi perché LIPO Mastercard ha questo punteggio? Valutiamo le carte Studenti con una formula ponderata. Ecco cosa conta:
Stessa formula per ogni carta in questa categoria. Senza eccezioni.
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