Raiffeisen World Mastercard Gold

Identical to Raiffeisen Visa Gold. Same CHF 250,000 coverage, same 1.5% FX fee, different network.

The Raiffeisen World Mastercard Gold mirrors their Visa Gold exactly: same CHF 198 fee, same CHF 250,000 medical coverage, same 1.5% FX fee. Your network choice is purely about personal preference. The benefits and limitations are identical.

Does Network Choice Actually Matter?

In Switzerland, Visa and Mastercard acceptance is virtually identical. Both work everywhere. The CHF 250,000 medical coverage works identically on both. The 1.5% FX fee is identical. The CHF 20,000 trip cancellation is identical.

The "World Mastercard" tier includes some Priceless experiences and offers, but these are limited in Switzerland. The core value is insurance and FX savings, which work the same on both networks.

What Actually Stands Out

Everything matches the Visa version. CHF 198 annual fee. CHF 250,000 medical coverage abroad. CHF 20,000 trip cancellation. 1.5% FX fee (better than most gold cards). Surprize program integration.

Apple Pay, Google Pay, Samsung Pay, and Garmin Pay all work. Additional cards cost CHF 48 (first year free for members). The banking integration is identical on both networks.

What Most Reviews Miss

The products are interchangeable. The meaningful decision is whether Raiffeisen Gold makes sense for your needs (given the solid insurance and competitive FX fee), not which network to choose.

No lounge access on either network version. If airport comfort matters, you'll need a different card or separate Priority Pass. Both Visa and Mastercard versions share this limitation.

The Bottom Line

Same excellent gold card as Raiffeisen Visa Gold, on Mastercard network. Same 1.5% FX fee, same CHF 250,000 medical coverage. Compare alternatives in our best premium credit cards in Switzerland guide.

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