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 offer 1% everywhere. 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.