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.