Migros Bank Mastercard GoldMigros
Premium
Gold

Migros Bank Mastercard Gold

Migros

Gesamtbewertung

4.0/5

Jahresgebühr

CHF 200

Netzwerk

Mastercard

Prämientyp

Points

Willkommensbonus

20,000 points

Auch gut für

Cashback

Unsere Einschätzung zur Migros Bank Mastercard Gold

Ihr Schweizer Finanzbegleiter
Adrien Missioux
Adrien Missioux

Choose Surprize or Cumulus rewards. CHF 250,000 medical coverage. 20,000 welcome points.

The Migros Bank Mastercard Gold offers unique flexibility: choose between Surprize points (general redemption) or Cumulus rewards (Migros ecosystem). At CHF 200 annually, you get solid gold-tier insurance, your preferred loyalty program, and a substantial welcome bonus. The program choice distinguishes this from single-track competitors. Also available on the other network: Migros Bank Visa Gold.

Is CHF 200 Worth It?

The math depends on your spending and loyalty preferences. 1 point per CHF 1 spent on either Surprize or Cumulus. CHF 20,000 annual spending = 20,000 points worth roughly CHF 100-200 depending on redemption choices. The 20,000 welcome points (worth CHF 100+) effectively halves the first-year cost.

CHF 250,000 medical coverage abroad would cost CHF 100-150 standalone. CHF 20,000 trip cancellation adds another CHF 30-50 in insurance value. The combined rewards and insurance comfortably exceed the CHF 200 fee for travelers who spend CHF 15,000+ annually.

What Actually Stands Out

The program choice is genuinely valuable. If you're deep in the Migros ecosystem, Cumulus integration lets you earn grocery rewards on all spending. If you prefer flexible redemption (travel, gift cards, merchandise), Surprize offers more options. You're not locked into one path.

The 1.75% FX fee is better than average (most gold cards charge 2%). Apple Pay, Google Pay, Samsung Pay, and Garmin Pay all work. The card functions well both as a Migros-focused tool and as general-purpose gold card.

What Most Reviews Miss

No lounge access at this tier. If airport comfort matters, you'll need to add Priority Pass separately or choose a card that includes it. The insurance is solid, but the lifestyle benefits are limited compared to premium cards.

Migros Bank cards don't require Migros banking. You can hold the card without moving your primary banking. However, if you do bank with Migros, integration between accounts adds convenience. For a full breakdown of Priority Pass and LoungeKey cards, see our lounge access guide.

The Bottom Line

A flexible gold card for those who value choosing their loyalty program. The CHF 250,000 medical coverage is competitive, the welcome bonus is generous, and the program flexibility is unique. If you want lounge access, look elsewhere. Compare alternatives in our best premium credit cards in Switzerland guide. This card is also available on Visa with identical benefits.

Verdict: Good value for travelers who want solid insurance and flexibility between Cumulus or Surprize. The welcome bonus makes year one especially attractive.

Ideal für: those who want to choose between Cumulus and Surprize reward programs, international travelers wanting CHF 250,000 medical coverage, Migros ecosystem users who want gold-tier benefits
Alternativen erwägen, wenn: you want airport lounge access (not included), you prefer straightforward cashback over points programs, cantonal bank gold cards with similar insurance would serve you better

VORTEILE

  • 20000 welcome bonus points
  • Travel insurance coverage up to CHF 20,000
  • Up to CHF 250,000 coverage for medical expenses
  • Apple Pay compatible
  • Contactless payments for convenient transactions
  • 1 welcome bonus points
  • Comprehensive travel insurance covering up to 20000 CHF
  • Up to CHF 250000 coverage for medical expenses

NACHTEILE

  • High annual fee (CHF 200)
  • No airport lounge access
  • No concierge service

Kartendetails

Auf einen Blick

Jahresgebühr

CHF 200

Prämiensatz

1 Punkte/CHF

FX-Gebühr

1.75%

Willkommensbonus

20,000 points

Reiseversicherungsschutz

CHF 20,000

Apple Pay
Kontaktloses Bezahlen
Mastercard

Gebühren & Kosten

Jahresgebühr im ersten Jahr

CHF 200

Jahresgebühr (nach dem ersten Jahr)

CHF 200

Fremdwährungsgebühr

1.75%

Bargeldabhebung (Inland)

4% (min CHF 10)

Bargeldabhebung (Ausland)

5.75% (min CHF 10)

Verzugsgebühr

CHF 20

Zusatzkarten

CHF 50/Karte/Jahr • Bis zu 2 Karten

Prämienprogramm

Prämientyp

Points

Basis-Prämiensatz

1 / CHF

Willkommensbonus

20,000 points

Versicherung & Schutz

Reiseversicherungsschutz

CHF 20,000

Krankenversicherungsschutz

CHF 250,000

Kaufschutz

CHF 1,000

Kartenmerkmale

Kartennetzwerk

Mastercard

Kartentyp

Gold

Währung

CHF, EUR

Mindesteinkommensanforderung

Keine Einkommensanforderung

Monatliches Ausgabenlimit

-

Zugang zu Flughafen-Lounges

Concierge-Service

Hauptmerkmale

  • 1 welcome bonus points
  • Comprehensive travel insurance covering up to 20000 CHF
  • Up to CHF 250000 coverage for medical expenses
  • Multiple mobile payment options (Samsung Pay, Apple Pay, Google Pay, Garmin Pay)
  • Contactless payments for convenient transactions

Berechnen Sie, ob sich diese Karte für Sie lohnt

CHF 2’500/mo

= CHF 30’000/year

Sie zahlen

CHF 200

pro Jahr

Sie erhalten

CHF 680

geschätzter Wert

Unterm Strich

+CHF 480

in Ihrer Tasche

Jährliche Berechnung:

Verdiente PrämienCHF 300

CHF 30’000/yr × 1 points/CHF × 1 ct

Willkommensbonus (1. Jahr)≈ CHF 200

20’000 points × 1 ct

Reise- & Krankenversicherung≈ CHF 180
GesamtvorteileCHF 680
Jahresgebühr- CHF 200
Nettowert+CHF 480

Verschieben Sie den Regler, um den Kartenwert zu sehen. Meilen: 1,5 Rp., Punkte: 1 Rp.

Bewertung nach Kategorie

Cashback

116 cards

3.2
#86/ 116

Top 74%

#116#1
Top-Karten ansehen

Premium

122 cards

4.0
#19/ 122

Top 16%

#122#1
Top-Karten ansehen

Mit anderen Karten vergleichen

Migros Bank Visa Gold

Migros Bank Visa Gold

Migros

4.0
Jetzt beantragen
Migros Bank Mastercard Gold

Migros Bank Mastercard Gold

Migros

4.0
Jetzt beantragen
JahresgebührCHF 200
JahresgebührCHF 200
Prämiensatz1 points/CHF
Prämiensatz1 points/CHF
Willkommensbonus20000 points
Willkommensbonus20000 points

Häufig gestellte Fragen

What is the annual fee for the Migros Bank Mastercard Gold?
The Migros Bank Mastercard Gold has an annual fee of CHF 200.
What are the foreign transaction fees for the Migros Bank Mastercard Gold?
The Migros Bank Mastercard Gold charges a 1.75% foreign exchange fee on international transactions.
What rewards does the Migros Bank Mastercard Gold offer?
The Migros Bank Mastercard Gold offers points rewards at a base rate of 1 per CHF spent.
What insurance coverage does the Migros Bank Mastercard Gold include?
The Migros Bank Mastercard Gold includes travel insurance up to CHF 20,000 and medical coverage up to CHF 250,000 abroad.
Is the Migros Bank Mastercard Gold compatible with Apple Pay?
Yes, the Migros Bank Mastercard Gold is fully compatible with Apple Pay for contactless mobile payments.

So haben wir diese Karte bewertet

Sie fragen sich, warum Migros Bank Mastercard Gold diese Bewertung hat? Wir bewerten Premium-Karten mit einer gewichteten Formel. Das zählt:

Versicherungsschutz (35%)
Extras (30%)
Kundenzufriedenheit (25%)
Gebühren-Stufe (10%)

Gleiche Formel für jede Karte in dieser Kategorie. Keine Ausnahmen.

Unsere komplette Methodik ansehen

Bereit zur Beantragung?

Beantragen Sie die Migros Bank Mastercard Gold noch heute und geniessen Sie ihre Vorteile.