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Il Nostro Parere su Migros Bank Visa Gold
Identical to Migros Bank Mastercard Gold. Same Cumulus/Surprize choice, same CHF 250,000 coverage, different network.
The Migros Bank Visa Gold is functionally identical to its Mastercard sibling: same CHF 200 fee, same Cumulus/Surprize program choice, same CHF 250,000 medical coverage, same 20,000 welcome points. Your network choice is purely about personal preference or portfolio diversity.
Does Network Choice Actually Matter?
In Switzerland, Visa and Mastercard acceptance is virtually identical. Both work at essentially every retailer, restaurant, and online store. The program flexibility (choosing Cumulus or Surprize) works identically on both. The CHF 250,000 medical coverage is identical. The welcome bonus is identical.
Pick based on which network you don't already have, or flip a coin. For a gold card like this, the network matters less than the underlying benefits.
What Actually Stands Out
Everything matches the Mastercard version. CHF 200 annual fee. 1 point per CHF 1 earned. Choose between Cumulus or Surprize programs. 20,000 welcome points. CHF 250,000 medical coverage abroad. CHF 20,000 trip cancellation.
Apple Pay, Google Pay, Samsung Pay, and Garmin Pay all work. The 1.75% FX fee is identical. Additional cards cost CHF 50 each on both.
What Most Reviews Miss
The products are interchangeable. Migros Bank offers both networks so customers have options. Neither Visa nor Mastercard offers better insurance, better earning, or better service. The meaningful decision is whether the Migros Bank Gold card makes sense for your spending patterns, not which network to choose.
No lounge access on either network version. If airport comfort matters, you'll need a different card or separate Priority Pass.
The Bottom Line
Same excellent value as Migros Bank Mastercard Gold, on the Visa network. Network choice has no practical impact on benefits or earning. Compare alternatives in our best premium credit cards in Switzerland guide.
Verdict: Identical to Mastercard version. Choose Visa if you want network diversity or already have Mastercard products.
PRO
- 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
- Travel insurance coverage up to CHF 20000
- Up to CHF 250000 coverage for medical expenses
CONTRO
- High annual fee (CHF 200)
- No airport lounge access
- No concierge service
Dettagli della carta
In sintesi
Quota annuale
CHF 200
Tasso premi
1 punti/CHF
Comm. FX
1.75%
Bonus di benvenuto
20,000 points
Copertura assicurativa viaggio
CHF 20,000
Commissioni e Costi
Commissioni e Costi
Quota annuale primo anno
CHF 200
Quota annuale (dopo il primo anno)
CHF 200
Commissione valuta estera
1.75%
Prelievo Contanti (Nazionale)
4% (min CHF 10)
Prelievo Contanti (Internazionale)
5.75% (min CHF 10)
Commissione Ritardo Pagamento
CHF 20
Carte aggiuntive
CHF 50/carta/anno • Fino a 2 carte
Programma Premi
Programma Premi
Tipo di premi
Points
Tasso premi base
1 / CHF
Bonus di benvenuto
20,000 points
Assicurazione e Protezione
Assicurazione e Protezione
Copertura assicurativa viaggio
CHF 20,000
Copertura assicurativa medica
CHF 250,000
Protezione degli acquisti
CHF 1,000
Caratteristiche della Carta
Caratteristiche della Carta
Circuito della Carta
Visa
Tipo di Carta
Gold
Valuta
CHF, EUR
Requisito di reddito minimo
Nessun requisito di reddito
Limite di spesa mensile
-
Accesso alle lounge aeroportuali
Servizio di concierge
Caratteristiche Principali
- 1 welcome bonus points
- Travel insurance coverage up to CHF 20000
- Up to CHF 250000 coverage for medical expenses
- Multiple mobile payment options (Samsung Pay, Apple Pay, Google Pay, Garmin Pay)
- 24-hour service support for cardholders, ensuring assistance is available whenever needed.
Calcola se questa carta ne vale la pena per te
= CHF 30’000/year
Paghi
CHF 200
all'anno
Ricevi
CHF 680
valore stimato
In sintesi
+CHF 480
in tasca
Calcolo annuale:
CHF 30’000/yr × 1 points/CHF × 1 ct
20’000 points × 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
- What is the annual fee for the Migros Bank Visa Gold?
- The Migros Bank Visa Gold has an annual fee of CHF 200.
- What are the foreign transaction fees for the Migros Bank Visa Gold?
- The Migros Bank Visa Gold charges a 1.75% foreign exchange fee on international transactions.
- What rewards does the Migros Bank Visa Gold offer?
- The Migros Bank Visa Gold offers points rewards at a base rate of 1 per CHF spent.
- What insurance coverage does the Migros Bank Visa Gold include?
- The Migros Bank Visa Gold includes travel insurance up to CHF 20,000 and medical coverage up to CHF 250,000 abroad.
- Is the Migros Bank Visa Gold compatible with Apple Pay?
- Yes, the Migros Bank Visa Gold is fully compatible with Apple Pay for contactless mobile payments.
Come abbiamo valutato questa carta
Ti chiedi perché Migros Bank Visa Gold ha questo punteggio? Valutiamo le carte Premium con una formula ponderata. Ecco cosa conta:
Stessa formula per ogni carta in questa categoria. Senza eccezioni.
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