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.