Raiffeisen World Mastercard Gold
Raiffeisen
Overall Rating
Annual fee
CHF 198
Network
Mastercard
Rewards Type
No rewards
Also good for
Our Take on Raiffeisen World Mastercard Gold
1.5% FX fee with CHF 250,000 medical coverage. Better exchange rates than most gold cards.
The Raiffeisen World Mastercard Gold pairs CHF 250,000 medical coverage abroad with a 1.5% FX fee, both strong for a CHF 198 gold card. Raiffeisen offers equivalent benefits on their Visa Gold at the same price. What makes either Raiffeisen gold card compelling is the combination of comprehensive insurance and below-average foreign exchange costs. See also the Raiffeisen Visa Card Gold.
Is CHF 198 Worth It?
For international travelers, almost certainly. CHF 250,000 medical coverage abroad would cost CHF 100-150 as standalone premium travel insurance. CHF 20,000 trip cancellation adds another CHF 30-50 in value. Together, the insurance alone is worth more than the annual fee.
The 1.5% FX fee saves money on every foreign transaction. On CHF 8,000 in annual spending abroad, you save CHF 20 versus typical 1.75% cards. Factor in the Surprize points earning and the total value clearly exceeds CHF 198.
What Actually Stands Out
The 1.5% FX fee is a standout among gold cards. Most Swiss gold cards charge 1.75% or higher. For eurozone shopping, online purchases in foreign currencies, or travel spending, this rate advantage compounds quickly.
Priority Pass at EUR 30 per visit gives you discounted lounge access (walk-in rates run EUR 50+). 1.5 Surprize points per CHF 1 builds rewards faster than silver-tier earning. Apple Pay, Google Pay, Samsung Pay, and Garmin Pay all work.
What Most Reviews Miss
The lounge access isn't complimentary. EUR 30 per visit adds up for frequent flyers. Cards with 2 or more free annual visits deliver better lounge value. If airport lounges matter to you, factor this ongoing cost into the equation.
Also note that member pricing matters significantly. First-year-free offers and Raiffeisen banking discounts can shift the value calculation. Without member benefits, the CHF 198 fee faces stiffer competition from cards like the Cornèrcard Gold. Our lounge access guide compares lounge perks across Swiss cards.
The Bottom Line
One of Switzerland's stronger gold cards thanks to the 1.5% FX fee and CHF 250,000 medical coverage combo. Raiffeisen members get the best value, but even at full price the insurance justifies the fee for travelers. Compare alternatives in our best premium credit cards in Switzerland guide.
Verdict: A top pick for Raiffeisen members who travel. The FX savings and medical coverage together make this competitive with pricier gold cards.
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
- Multiple mobile payment options
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
No rewards
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
Mastercard
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
- Multiple mobile payment options
- Surprize program for bonus points
- Comprehensive travel insurance valid for trips up to 90 days
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
- World Mastercard Gold or Visa Card Gold?
- Same fee, same Surprize program, same CHF 48 supplementary fee, same insurance. The 'World' label is mostly cosmetic on this card; it doesn't unlock additional benefits over the Visa Gold. Pick Mastercard for European small-merchant acceptance, Visa for U.S. travel and rental cars.
- Is there a hard monthly spending limit?
- No published cap. The personal limit is set at onboarding from your income and credit profile, with room to raise it later. Useful for large one-off purchases like an annual insurance bill or a kitchen renovation; the Silver-tier Raiffeisen cards cap users at CHF 10,000 a month.
- How much does a cash advance cost on this card?
- 5.50% abroad with a CHF 10 minimum. Slightly below the premium segment average of 5.68%, but cash advances stay expensive. They accrue interest immediately and don't earn Surprize points. Use a debit card.
How We Rated This Card
Wondering why Raiffeisen World Mastercard 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 World Mastercard Gold today and start enjoying its benefits.