Manor World Mastercard

Free card with 2x points at Manor, plus CHF 4,000 trip insurance. That's unusual for a no-fee store card.

The Manor World Mastercard combines store rewards with surprisingly good travel insurance for a free card. You get 2 Manor points per CHF 1 at Manor, 1 point per CHF 2 elsewhere, plus CHF 4,000 trip interruption coverage and a competitive 1.5% FX fee. For Manor shoppers who travel, this punches above its free price point.

Is It Worth Getting?

If you shop at Manor, absolutely. The card is completely free with no annual fee. 2 Manor points per CHF 1 at Manor stores and manor.ch means CHF 2,000 annual Manor spending earns 4,000 points = CHF 40 in vouchers (2% effective return). Outside Manor, you earn 1 point per CHF 2 (0.5% effective).

The real surprise is the CHF 4,000 trip interruption coverage and CHF 2,000 purchase protection included free. Most free store cards offer zero insurance. This one adds genuine travel protection at no cost.

What Actually Stands Out

The 1.5% FX fee is better than average (most cards charge 2%). For a free card, this makes it reasonable for occasional foreign purchases or travel. Combined with the trip insurance, it's a surprisingly capable travel card for something that costs nothing.

Apple Pay, Google Pay, Samsung Pay, and Garmin Pay all work. Unlimited free additional cards for family members. The World Mastercard tier includes some basic benefits through the Mastercard network.

What Most Reviews Miss

The outside-Manor earning is modest. 1 point per CHF 2 (500 points = CHF 5 voucher = 0.5% return) won't excite reward optimizers. Cards like Certo One offer 1% cashback everywhere. The value concentrates at Manor for the 2x earning.

The CHF 4,000 trip insurance is basic coverage, not comprehensive protection. It helps with minor disruptions but won't cover major medical emergencies abroad. For serious travel, you'd still want additional coverage.

The Bottom Line

An impressive free card for Manor shoppers who travel. The combination of store rewards, travel insurance, and competitive FX fee exceeds expectations for zero annual cost. If you don't shop at Manor, other free cards may suit better. Compare alternatives in our best shopping credit cards in Switzerland guide.

Verdict: Worth having for Manor customers. The free insurance and low FX fee make it valuable even for occasional shoppers.