PKZ Insider Card Visa
PKZ
Overall Rating
Annual fee
CHF 0
Network
Visa
Rewards Type
cashback
Welcome bonus
0.5 % cash
Also good for
Our Take on PKZ Insider Card Visa
0.5% cashback everywhere plus 1% loyalty bonus at PKZ. Free card for fashion shoppers.
The PKZ Insider Card Visa rewards fashion spending at PKZ stores while providing modest cashback everywhere. At zero annual cost, it's built for regular PKZ shoppers who want discounts on clothing purchases. The combined return at PKZ approaches 1.5%, making it genuinely worthwhile for fashion-conscious consumers.
Is It Worth Getting?
If you shop at PKZ, yes. 1% loyalty bonus on annual PKZ purchases plus 0.5% cashback everywhere adds up. CHF 2,000 annual PKZ spending = CHF 20 loyalty bonus. Add 0.5% cashback (CHF 10 on those PKZ purchases), and you're approaching 1.5% effective return on fashion spending.
Outside PKZ, the 0.5% cashback applies to all purchases. CHF 20,000 general spending = CHF 100 additional cashback. For a free card, that's meaningful return with zero commitment.
What Actually Stands Out
The layered return at PKZ is the differentiator. The 1% loyalty bonus stacks with the 0.5% cashback, creating a combined 1.5% return on fashion purchases. If you're already buying clothes at PKZ, the card essentially provides a permanent discount.
Apple Pay, Google Pay, Samsung Pay, and Garmin Pay all work. Unlimited free additional cards for family members. Free emergency card replacement once yearly provides peace of mind when traveling.
What Most Reviews Miss
0.5% general cashback is below average. Cards like Certo One pay 1% at three favourite retailers, 0.25% elsewhere. If you don't shop at PKZ, the card underperforms compared to alternatives. The value concentrates at PKZ; outside that retailer, you're leaving returns on the table.
The 2% FX fee is standard but not competitive. For international travel or foreign online shopping, other cards (Cornèrcard at 1.2%) offer better rates.
The Bottom Line
A solid free card for regular PKZ shoppers who want to maximize fashion discounts. The 1.5% combined return at PKZ is competitive. If you don't shop at PKZ, consider other free cashback options. Compare alternatives in our best shopping credit cards in Switzerland guide.
Verdict: Worth having if you shop at PKZ regularly. No cost to try, and the layered rewards add real value on fashion purchases.
PROS
- No annual fee
- 0.5 welcome bonus points
- Apple Pay compatible
- Contactless payments for convenient transactions
- 0.5% cashback
- 1% loyalty bonus on annual sales at PKZ
- Free emergency credit card once a year
CONS
- High foreign exchange fee (2%)
- No travel insurance
- No medical coverage
- No airport lounge access
- No concierge service
Card Details
At a Glance
Annual fee
Free
Rewards rate
0.5% cashback
FX Fee
2%
Welcome bonus
0.5 % cash
Fees & Costs
Fees & Costs
First year annual fee
No annual fee
Annual fee (after first year)
No annual fee
Foreign exchange fee
2%
Cash Withdrawal (Domestic)
4% (min CHF 10)
Cash Withdrawal (International)
6% (min CHF 10)
Late Payment Fee
CHF 20
Additional Cards
-
Rewards Program
Rewards Program
Rewards type
cashback
Base rewards rate
0.5 %
Welcome bonus
0.5 % cash
Earn 0.5% cashback on all purchases
Insurance & Protection
Insurance & Protection
Travel insurance coverage
No travel insurance
Medical insurance coverage
No medical coverage
Purchase protection
No purchase protection
Card Features
Card Features
Card Network
Visa
Card Type
Standard
Currency
CHF
Minimum income requirement
No income requirement
Monthly spending limit
CHF 10'000
Airport lounge access
Concierge service
Key Features
- 0.5% cashback
- 1% loyalty bonus on annual sales at PKZ
- Free emergency credit card once a year
- Multiple mobile payment options (Samsung Pay, Apple Pay, Google Pay, Garmin Pay)
- 24-hour customer service support
Calculate If This Card Is Worth It for You
= CHF 30'000/year
You Pay
CHF 0
per year
You Get Back
CHF 151
estimated value
Bottom Line
+CHF 151
in your pocket
Annual calculation:
CHF 30'000/yr × 0.5%
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 does the 1% PKZ loyalty bonus actually work?
- 1% annual loyalty bonus paid on your PKZ purchases, on top of the 0.5% general cashback you earn everywhere. So a CHF 500 PKZ shop returns CHF 7.50 (0.5% general + 1% PKZ). The PKZ bonus posts at year-end, not per transaction, so you only see it once.
- Can I add a partner card on the PKZ Insider?
- Yes, unlimited and free. Both your earnings and the partner's purchases accumulate into the same loyalty pot, which makes hitting the annual PKZ bonus tier easier. Both Swiss student-tier cards in our database offer unlimited free supplementary cards.
- What does a foreign cash withdrawal cost?
- 6.00% abroad with a CHF 10 minimum, 4% domestically. That's above both student-segment and cashback-segment averages (around 5.6%-5.9%). A CHF 200 cash advance abroad costs CHF 12 in fees, plus interest from day one. Use a debit card for cash.
How We Rated This Card
Wondering why PKZ Insider Card Visa got its score? We rate Student 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 PKZ Insider Card Visa today and start enjoying its benefits.