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Our Take on 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.
PROS
- No annual fee
- Low foreign exchange fee of 1.5%
- 1 welcome bonus points
- Travel insurance coverage up to CHF 4,000
- Apple Pay compatible
- Contactless payments for convenient transactions
- 2 Manor points per 1 franc spent at Manor and manor.ch
- Up to 4000 CHF coverage for trip interruptions
CONS
- No medical coverage
- No airport lounge access
- No concierge service
Card Details
At a Glance
Annual fee
Free
Rewards rate
2 points/CHF
FX Fee
1.5%
Welcome bonus
1 pts/2CHF Points
Travel insurance coverage
CHF 4'000
Fees & Costs
Fees & Costs
First year annual fee
No annual fee
Annual fee (after first year)
No annual fee
Foreign exchange fee
1.5%
Cash Withdrawal (Domestic)
4% (min CHF 10)
Cash Withdrawal (International)
5.5% (min CHF 10)
Late Payment Fee
CHF 30
Additional Cards
-
Rewards Program
Rewards Program
Rewards type
Points
Base rewards rate
2 / CHF
Welcome bonus
1 pts/2CHF Points
Insurance & Protection
Insurance & Protection
Travel insurance coverage
CHF 4'000
Medical insurance coverage
No medical coverage
Purchase protection
CHF 2'000
Card Features
Card Features
Card Network
Mastercard
Card Type
Standard
Currency
CHF
Minimum income requirement
No income requirement
Monthly spending limit
-
Airport lounge access
Concierge service
Key Features
- 2 Manor points per 1 franc spent at Manor and manor.ch
- Up to 4000 CHF coverage for trip interruptions
- 24-hour service for customer support
- Multiple mobile payment options (Samsung Pay, Apple Pay, Google Pay, Garmin Pay)
- No annual fee
Calculate If This Card Is Worth It for You
= CHF 30'000/year
You Pay
CHF 0
per year
You Get Back
CHF 630
estimated value
Bottom Line
+CHF 630
in your pocket
Annual calculation:
CHF 30'000/yr × 2 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
- Is there a monthly spending cap on the Manor World?
- No fixed monthly limit published. That's atypical for a free shopping-tier card; most Swiss store cards cap users at CHF 10,000-20,000 per month. The bank still sets a personal limit based on your profile, but you won't hit a documented ceiling the way you would with a Diners Classic or Migros Cumulus.
- How much are Manor points really worth?
- 500 points = CHF 5. At Manor stores with the card, you earn 2 points per franc (about 1% effective return); outside Manor, 1 point per franc (0.5%). A CHF 100 Manor shop returns CHF 1 in store credit. Skip the card if you don't shop at Manor at least a few times a year; the 0.5% elsewhere sits below cashback segment averages.
- How many supplementary cards can I add?
- Unlimited and free. All cards earn Manor points into the same account, so a partner's purchases add to your redemption pool. Useful for households that share Manor shopping; less compelling if you're the only one using it.
How We Rated This Card
Wondering why Manor World Mastercard got its score? We rate Shopping 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 Manor World Mastercard today and start enjoying its benefits.