Raiffeisen Visa Silver

Identical to Raiffeisen Mastercard Silver. Same CHF 96, same 1.5% FX fee, different network.

The Raiffeisen Visa Silver mirrors their Mastercard Silver exactly: same CHF 96 fee (first year free for members), same 1.5% FX fee, same trip insurance. Your network choice is purely about personal preference or portfolio diversity. The financial terms are identical.

Does Network Choice Actually Matter?

In Switzerland, Visa and Mastercard acceptance is virtually identical. Both work at essentially every retailer, restaurant, and online store. The 1.5% FX fee works identically on both. The CHF 10,000 trip cancellation is identical. The CHF 7,500 trip interruption is identical.

Pick based on which network you don't already have, or flip a coin. Raiffeisen offers both so members have options.

What Actually Stands Out

Everything matches the Mastercard version. CHF 96 annual fee (first year free for members). 1.5% FX fee (better than average). CHF 10,000 trip cancellation. Surprize program integration.

Apple Pay, Google Pay, Samsung Pay, and Garmin Pay all work. Additional cards cost CHF 24 (first year free). The Raiffeisen banking integration is identical on both networks.

What Most Reviews Miss

The products are interchangeable. Raiffeisen offers both networks purely for member preference. Neither Visa nor Mastercard offers better benefits, better FX rates, or better insurance. The meaningful decision is whether the Raiffeisen Silver card makes sense for your needs, not which network to choose.

No medical coverage on either. If you travel and need health protection, you'll need separate insurance or upgrade to gold tier.

The Bottom Line

Same competitive silver card as Raiffeisen Mastercard Silver, on Visa network. Same 1.5% FX fee, same trip insurance. Compare alternatives in our best credit cards in Switzerland guide.

Verdict: Identical to Mastercard version. Choose Visa if you want network diversity or already have Mastercard products.