Migros Bank Visa Free

Overall Rating
3.9/5
Ranked #10 of 127View top cards
  • Cashback
  • Standard
Adrien Missioux
Written by Adrien Missioux
Last updated on Swiss made
Annual fee
Free
Rewards rate
0.333333 points/CHF
FX Fee
0%
Network
Visa
Best For:
budget-conscious consumers who want rewards without annual fees
Consider Alternatives If:
you want premium travel perks like lounge access
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Our Take on Migros Bank Visa Free

The Migros Bank Visa Free combines a zero annual fee with solid points rewards, making it an excellent choice for value-conscious consumers. You can earn rewards on your purchases without worrying about annual costs eating into your returns.

With no annual fee and a competitive 0% foreign exchange fee, this card offers exceptional value for international transactions and everyday use.

The 0% foreign exchange fee is among the lowest in Switzerland, making this card particularly cost-effective for international purchases and travel spending.

PROS
  • No annual fee
  • Low foreign exchange fee of 0%
  • Apple Pay compatible
  • Contactless payments for convenient transactions
  • Annual fee CHF 0 for the main and the additional card
  • 0% foreign currency fee on purchases in Switzerland and abroad
  • Earn Migros Cumulus points: 1 point for every 3 francs spent outside Migros
CONS
  • No welcome bonus
  • No travel insurance
  • No medical coverage
  • No airport lounge access
  • No concierge service

Card Details

  • Apple Pay
  • Contactless payments

Fees & Costs

First year annual fee
No annual fee
Annual fee (after first year)
No annual fee
Foreign exchange fee
0%
Cash Withdrawal (Domestic)
2.5% (min CHF 5)
Cash Withdrawal (International)
2.5% (min CHF 10)
Late Payment Fee
CHF 30
Additional Cards
-

Rewards Program

Rewards type
Points
Base rewards rate
0.333333 / CHF

Insurance & Protection

Travel insurance coverage
No travel insurance
Medical insurance coverage
No medical coverage
Purchase protection
No purchase protection

Card Features

Card Network
Visa
Card Type
Standard
Currency
CHF
Minimum income requirement
No income requirement
Monthly spending limit
CHF 3'000

Key Features

  • Annual fee CHF 0 for the main and the additional card
  • 0% foreign currency fee on purchases in Switzerland and abroad
  • Earn Migros Cumulus points: 1 point for every 3 francs spent outside Migros
  • Free cash withdrawals at Migros companies such as Migros and Denner
  • Travel interruption and online purchase insurance included

Calculate If This Card Is Worth It for You

CHF 2'500/mo= CHF 30'000/year

You Pay
CHF 0
per year
You Get Back
CHF 100
estimated value
Bottom Line
+CHF 100
in your pocket

Annual calculation:

Rewards earned
CHF 100
CHF 30'000/yr × 0.333333 points/CHF × 1 ct
Total benefits
CHF 100
Annual fee
− CHF 0
Net value
+CHF 100

Move the slider to see how your spending affects the card's value. Miles: 1.5 ct, points: 1 ct.

Rating by Category

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Migros Bank Visa Free

Migros Bank

3.9
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Annual feeNo annual fee
Annual feeNo annual fee
Rewards rate1% cashback
Rewards rate0.33 points / 1 CHF
Welcome bonus-
Welcome bonus-
See review
This card
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How We Rated This Card

Wondering why Migros Bank Visa Free got its score? We rate Cashback cards using a weighted formula. Here's what counts:

  • Cashback Rate (50%)
  • Customer Satisfaction (30%)
  • Fee Value (20%)

Same formula for every card in this category. No exceptions. See our full rating methodology

Information may have changed since our last review. Please verify all details directly with the issuer before making any decisions.

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Migros Bank Visa Free

3.9/5

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