Migros Cumulus Visa
Migros
Overall Rating
Annual fee
CHF 0
Network
Visa
Rewards Type
Points
Also good for
Our Take on Migros Cumulus Visa
Free card with 2 free ATM withdrawals abroad yearly. Plus Cumulus points everywhere you spend.
The Migros Cumulus Visa extends Switzerland's most popular loyalty program beyond Migros stores. The free card earns Cumulus points on all spending, includes basic travel insurance, and offers something genuinely unique: 2 free foreign ATM withdrawals yearly. For Migros loyalists, this is the obvious credit card choice.
Is It Worth Getting?
If you're already collecting Cumulus at Migros, absolutely. The card is completely free and earns 1 Cumulus point per CHF 3 spent everywhere outside Migros. CHF 15,000 annual non-Migros spending = 5,000 extra Cumulus points toward groceries, household goods, and Migros services.
The 2 free foreign ATM withdrawals yearly (up to CHF 500 each) is genuinely valuable. Most cards charge 4-5% for foreign cash. This saves CHF 40-50 per year for travelers who need cash abroad. Add free CHF 4,000 trip insurance, and this free card offers real benefits.
What Actually Stands Out
The foreign ATM benefit is unique among free Swiss cards. When you need cash in foreign countries, this card is your withdrawal tool. Use other cards for purchases (better FX rates), but use this for cash. The benefit alone justifies carrying the card when traveling.
Domestically, no Migros ATM fees up to CHF 1,000 per transaction. Apple Pay, Google Pay, Samsung Pay, and Garmin Pay all work. Up to 3 free additional cards for family members. The 1.75% FX fee is decent for a free card.
What Most Reviews Miss
The Cumulus earning outside Migros is modest. 1 point per CHF 3 (roughly 0.33% effective return) won't excite reward optimizers. Cards like Certo One pay 1% cashback at three favourite retailers and 0.25% elsewhere. The value is in Cumulus ecosystem integration, not maximum earning rate.
The CHF 4,000 trip insurance and CHF 2,000 purchase protection are basic coverage. Helpful for minor issues, but not comprehensive protection. The card's strength is the ATM benefit and Cumulus integration, not insurance. Compare all Swiss bonus programs in our rewards programs guide.
The Bottom Line
An excellent free card for Migros Cumulus members who travel. The foreign ATM benefit is genuinely valuable and unique. The Cumulus earning extends your existing loyalty program to all spending. Compare alternatives in our best cashback credit cards in Switzerland guide.
Verdict: Essential for Migros loyalists. The free foreign ATM withdrawals justify carrying this card even if you have other primary cards.
PROS
- No annual fee
- Travel insurance coverage up to CHF 4,000
- Apple Pay compatible
- Contactless payments for convenient transactions
- No cash advance fees at Migros stores (up to CHF 1000 per transaction and day)
- Two free cash withdrawals abroad per year (up to CHF 500 each)
- Earn Migros Cumulus points: 1 point for every 3 francs spent outside Migros
CONS
- No welcome bonus
- No medical coverage
- No airport lounge access
- No concierge service
Card Details
At a Glance
Annual fee
Free
Rewards rate
0.333333 points/CHF
FX Fee
1.75%
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
1.75%
Cash Withdrawal (Domestic)
2.5% (min CHF 5)
Cash Withdrawal (International)
2.5% (min CHF 10)
Late Payment Fee
CHF 30
Additional Cards
3 free additional cards
Rewards Program
Rewards Program
Rewards type
Points
Base rewards rate
0.333333 / CHF
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
Visa
Card Type
Standard
Currency
CHF
Minimum income requirement
No income requirement
Monthly spending limit
CHF 15'000
Airport lounge access
Concierge service
Key Features
- No cash advance fees at Migros stores (up to CHF 1000 per transaction and day)
- Two free cash withdrawals abroad per year (up to CHF 500 each)
- Earn Migros Cumulus points: 1 point for every 3 francs spent outside Migros
- Comprehensive travel insurance covering trip interruptions up to CHF 4000 for trips up to 90 days
- Support for multiple payment options including Samsung Pay, Apple Pay, and more
Calculate If This Card Is Worth It for You
= CHF 30'000/year
You Pay
CHF 0
per year
You Get Back
CHF 130
estimated value
Bottom Line
+CHF 130
in your pocket
Annual calculation:
CHF 30'000/yr × 0.333333 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
- How cheap are cash advances on the Cumulus Visa?
- 2.50% fee both domestically and abroad, with a CHF 5 domestic minimum and CHF 10 international. That's roughly half what most Swiss cashback cards charge (segment average around 5.64% abroad). It's one of the cheapest ways to pull cash on a Swiss credit card; a CHF 500 withdrawal abroad costs CHF 12.50.
- How many free supplementary cards can my household add?
- Three, all free, but they must be for the same household. You can't add a parent in another canton, for example. All cards pool Cumulus points into one account, useful for partners and adult children helping you reach grocery and rewards thresholds faster.
- What's the actual return on non-Migros spend?
- 1 Cumulus point per CHF 3 on purchases outside Migros, which converts to roughly 0.33% effective cashback (100 Cumulus = CHF 1 voucher). Inside Migros you get the full Cumulus rate via your loyalty card anyway. The card mostly justifies itself for non-Migros transactions where you'd otherwise earn nothing.
How We Rated This Card
Wondering why Migros Cumulus Visa 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 Migros Cumulus Visa today and start enjoying its benefits.