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Our Take on Raiffeisen Visa Card Gold
CHF 250,000 medical coverage with 1.5% FX fee (lower than most gold cards).
The Raiffeisen Visa Gold combines solid gold-tier insurance with Switzerland's better FX rates. At CHF 198 annually, you get CHF 250,000 medical coverage abroad plus the 1.5% FX fee that saves money on every international transaction. For Raiffeisen members who travel, the combination works well. Also available on the other network: Raiffeisen World Mastercard Gold.
Is CHF 198 Worth It?
For international travelers, likely yes. CHF 250,000 medical coverage abroad would cost CHF 100-150 standalone. CHF 20,000 trip cancellation adds another CHF 30-50 in value. The insurance alone approaches the annual fee.
Add the 1.5% FX fee savings (versus typical 1.75-2%). CHF 10,000 foreign spending saves CHF 25-50 annually. Surprize points on all spending provide additional value. The math works for travelers who spend CHF 15,000+ annually.
What Actually Stands Out
The 1.5% FX fee is genuinely competitive at the gold tier. Most gold cards charge 1.75-2%. Every international purchase, online foreign shopping, and travel expense benefits. Over a card's lifetime, the FX savings accumulate meaningfully.
Apple Pay, Google Pay, Samsung Pay, and Garmin Pay all work. Additional cards cost CHF 48 (first year free for Raiffeisen members). The Surprize program offers flexible redemption options.
What Most Reviews Miss
No lounge access at this tier. If airport comfort matters, you'll need to upgrade to a premium card or add Priority Pass separately. The insurance is solid, but lifestyle benefits are limited.
CHF 250,000 medical coverage is standard gold-tier, not exceptional. Cards like Cornèrcard Gold (CHF 1,500,000) offer significantly more coverage at similar pricing. For most travelers, CHF 250,000 is adequate, but adventure travelers or those visiting the US may want more. Our lounge access guide compares every Swiss card with lounge perks.
The Bottom Line
A well-rounded gold card for Raiffeisen members who travel. The 1.5% FX fee differentiates it from competitors. The insurance is solid if not exceptional. Compare alternatives in our best premium credit cards in Switzerland guide. Raiffeisen also offers this on Mastercard (World Mastercard Gold) with identical benefits.
Verdict: Solid choice for Raiffeisen customers who travel internationally. The FX savings are tangible on every foreign transaction.
PROS
- Low foreign exchange fee of 1.5%
- Travel insurance coverage up to CHF 20,000
- Up to CHF 250,000 coverage for medical expenses
- Apple Pay compatible
- Contactless payments for convenient transactions
- Up to 20000 CHF coverage for trip cancellations
- Up to CHF 250000 coverage for medical expenses
- Surprize program for bonus points
CONS
- High annual fee (CHF 198)
- No welcome bonus
- No airport lounge access
- No concierge service
Card Details
At a Glance
Annual fee
CHF 198
Rewards rate
-
FX Fee
1.5%
Travel insurance coverage
CHF 20'000
Fees & Costs
Fees & Costs
First year annual fee
CHF 198
Annual fee (after first year)
CHF 198
Foreign exchange fee
1.5%
Cash Withdrawal (Domestic)
4% (min CHF 10)
Cash Withdrawal (International)
5.5% (min CHF 10)
Late Payment Fee
CHF 20
Additional Cards
CHF 48/year (1st year free)
Rewards Program
Rewards Program
Rewards type
Points
Base rewards rate
-
Insurance & Protection
Insurance & Protection
Travel insurance coverage
CHF 20'000
Medical insurance coverage
CHF 250'000
Purchase protection
CHF 1'000
Card Features
Card Features
Card Network
Visa
Card Type
Gold
Currency
CHF, USD, EUR
Minimum income requirement
No income requirement
Monthly spending limit
-
Airport lounge access
Concierge service
Key Features
- Up to 20000 CHF coverage for trip cancellations
- Up to CHF 250000 coverage for medical expenses
- Surprize program for bonus points
- Multiple mobile payment options
- Contactless payments for convenient transactions
Calculate If This Card Is Worth It for You
= CHF 30'000/year
You Pay
CHF 198
per year
You Get Back
CHF 180
estimated value
Bottom Line
CHF -18
extra cost for perks
Annual calculation:
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 'free for members' supplementary work on Gold?
- CHF 0 for the first supplementary card during a member's first year; CHF 48 each year after, and CHF 48 from day one for non-members. That's below the premium segment average of CHF 55. 'Member' means holding a Raiffeisen share, a one-time purchase that pays back quickly if you'll add a partner card.
- Is there a fixed monthly spending cap on the Visa Gold?
- No published cap. Your personal limit is determined at onboarding from income and credit profile, with the option to raise it later. Useful for large transactions like an annual insurance premium or a major travel booking, which would hit the CHF 10,000 ceiling on the Silver variant.
- What is the welcome offer on this card?
- Surprize program entry, the same loyalty system that runs across the Raiffeisen card range. You earn 1 point per franc spent, redeemable in the Surprize catalog. There's no documented headline bonus on this card specifically; the rewards flow comes from ongoing earn rather than a one-time credit.
How We Rated This Card
Wondering why Raiffeisen Visa Card Gold got its score? We rate Premium 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 Raiffeisen Visa Card Gold today and start enjoying its benefits.