Également bon pour
Notre Avis sur Raiffeisen Mastercard Silver
CHF 96 with 1.5% FX fee (better than most). First year free for Raiffeisen members.
The Raiffeisen Mastercard Silver offers standard silver benefits at slightly lower pricing than most cantonal banks. The real differentiator is the 1.5% FX fee (most cards charge 2%). For Raiffeisen members who travel or shop internationally, the savings add up. Also available on the other network: Raiffeisen Visa Silver.
Is CHF 96 Worth It?
For Raiffeisen members, the first year is free, making this a no-brainer to try. CHF 96 annually positions this below most cantonal silver cards (typically CHF 100). The savings are modest but real over the card's lifetime.
CHF 10,000 trip cancellation and CHF 7,500 trip interruption coverage add value. If you'd pay CHF 30-50 for standalone trip insurance, the card cost becomes reasonable. Surprize program integration provides points redemption flexibility.
What Actually Stands Out
The 1.5% FX fee is genuinely competitive. Most silver cards charge 2%. CHF 5,000 annual foreign spending saves CHF 25 compared to standard cards. Combined with the lower annual fee, international spenders get meaningful value.
Apple Pay, Google Pay, Samsung Pay, and Garmin Pay all work. Additional cards cost CHF 24 (first year free for members). The Raiffeisen integration provides convenient banking management.
What Most Reviews Miss
No medical coverage abroad. This is a silver card, so the absence isn't surprising, but travelers need separate coverage for medical emergencies. The trip insurance covers cancellation and interruption, not health.
No lounge access. Upgrade to gold for premium features. This card is positioned for basic credit card needs with trip protection, not luxury travel. Our credit card insurance guide compares coverage across all Swiss cards.
The Bottom Line
A solid silver card for Raiffeisen members. The 1.5% FX fee and first-year-free offer make it competitive. If you bank with Raiffeisen and need a basic card with trip insurance, this works well. Compare alternatives in our best credit cards in Switzerland guide. This card is also available on Visa with identical benefits.
Verdict: Good choice for Raiffeisen customers. The lower FX fee differentiates it from competitors.
AVANTAGES
- Low foreign exchange fee of 1.5%
- Travel insurance coverage up to CHF 10,000
- Apple Pay compatible
- Contactless payments for convenient transactions
- Surprize program for bonus points
- Travel insurance coverage up to 10,000 Swiss francs for trip cancellations
INCONVÉNIENTS
- No welcome bonus
- No medical coverage
- No airport lounge access
- No concierge service
Détails de la carte
En un coup d'œil
Frais annuels
CHF 96
Taux de récompense
-
Frais FX
1.5%
Couverture d'assurance voyage
CHF 10'000
Frais & Coûts
Frais & Coûts
Frais annuels la première année
CHF 96
Frais annuels (après la première année)
CHF 96
Frais de change
1.5%
Retrait d'Espèces (National)
4% (min CHF 10)
Retrait d'Espèces (International)
5.5% (min CHF 10)
Frais de Retard
CHF 20
Cartes supplémentaires
CHF 24/an (1ère année gratuite)
Programme de Récompenses
Programme de Récompenses
Type de récompense
No rewards
Taux de récompense de base
-
Assurance & Protection
Assurance & Protection
Couverture d'assurance voyage
CHF 10'000
Couverture d'assurance médicale
Pas de couverture médicale
Protection des achats
Pas de protection des achats
Caractéristiques de la Carte
Caractéristiques de la Carte
Réseau de la Carte
Mastercard
Type de Carte
Standard
Devise
CHF
Revenu minimum requis
Aucune exigence de revenu
Limite de dépenses mensuelles
CHF 10'000
Accès aux salons d'aéroport
Service de conciergerie
Caractéristiques Principales
- Surprize program for bonus points
- Travel insurance coverage up to 10,000 Swiss francs for trip cancellations
- Contactless payments for convenient transactions
- 24-hour service availability for customer support
- Mobile access for account management
Calculez si cette carte en vaut la peine pour vous
= CHF 30'000/year
Vous payez
CHF 96
par an
Vous recevez
CHF 50
valeur estimée
Bilan
CHF -46
coût supplémentaire
Calcul annuel :
Déplacez le curseur pour voir la valeur. Miles: 1,5 ct, points: 1 ct.
Note par Catégorie
Comparer avec d'autres cartes
Questions fréquemment posées
- What does 'free for members in the first year' actually mean for the supplementary card?
- Raiffeisen members pay CHF 0 for a supplementary card during their first year as cardholder; from year two it's CHF 24. 'Member' means holding a Raiffeisen share, not just being a customer. Non-members pay CHF 24 from day one. The share is a one-time purchase that pays back quickly if you plan to add a partner card.
- How does the Surprize rewards program work on this card?
- 1 Surprize point per franc spent. Points are redeemable in Raiffeisen's Surprize catalog for vouchers, goods, and experiences. The exchange rate varies by redemption (typically around 100 points = CHF 1 in voucher value). Plain in structure; the value depends on whether the catalog has items you'd actually buy.
- Why pick the Mastercard Silver over the Visa Silver?
- Identical fees, identical Surprize earn rate, identical cash withdrawal pricing. Mastercard tends to have slightly better European small-merchant acceptance; Visa is more universally accepted in North America. If you don't have a network preference, pick whichever you don't already carry for network redundancy.
Comment nous avons noté cette carte
Vous vous demandez pourquoi Raiffeisen Mastercard Silver a obtenu ce score ? On note les cartes Cashback avec une formule pondérée. Voici ce qui compte :
Même formule pour toutes les cartes de cette catégorie. Sans exception.
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