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Our Take on SGKB Mastercard Gold
CHF 250,000 medical coverage, Priority Pass, and 20,000 welcome points. Standard cantonal gold at SGKB.
The St. Galler Kantonalbank (SGKB) Mastercard Gold delivers the expected gold package: CHF 250,000 medical coverage, Priority Pass lounge access, enhanced earning. At CHF 200 annually (first year CHF 100), it provides solid gold-tier value for St. Gallen residents who want comprehensive travel protection with local banking integration. Also available on the other network: SGKB Visa Gold.
Is CHF 200 Worth It?
For travelers, likely yes. CHF 250,000 medical coverage abroad would cost CHF 100-150 standalone. CHF 20,000 trip cancellation and CHF 15,000 trip interruption add another CHF 30-50 in value. The insurance alone approaches the annual fee.
20,000 welcome points (worth roughly CHF 100) effectively offset the first-year discount. 1.5 Surprize points per CHF 1 builds ongoing rewards. The math works for travelers who spend CHF 15,000+ annually.
What Actually Stands Out
The banking integration with SGKB is the differentiator for St. Gallen residents. Unified account management, local customer service, regional banking relationship. For those who value cantonal bank partnerships, this matters.
Standard Priority Pass provides lounge access at EUR 30 per visit (discounted from walk-in rates of EUR 50+). Apple Pay, Google Pay, Samsung Pay, and Garmin Pay all work. For a full breakdown of Priority Pass and LoungeKey cards, see our lounge access guide.
What Most Reviews Miss
The Priority Pass isn't free. Each visit costs EUR 30. Heavy travelers will accumulate significant lounge costs. Cards with 2+ complimentary visits annually provide better value for frequent flyers.
The 1.75% FX fee is average for cantonal gold cards. Raiffeisen offers 1.5%. If foreign transactions are significant, evaluate whether the SGKB relationship outweighs the FX disadvantage.
The Bottom Line
A solid gold card for SGKB customers who travel. The CHF 250,000 medical coverage provides real protection, the lounge access adds convenience (at a cost), and the cantonal integration suits St. Gallen residents. Compare alternatives in our best premium credit cards in Switzerland guide. This card is also available on Visa with identical benefits.
Verdict: Good choice for SGKB customers who travel internationally. Standard cantonal gold value with local service advantage.
PROS
- 20000 welcome bonus points
- Travel insurance coverage up to CHF 20,000
- Up to CHF 250,000 coverage for medical expenses
- Airport lounge access
- Apple Pay compatible
- Contactless payments for convenient transactions
- 1 welcome bonus points
- Travel insurance coverage up to CHF 15000
CONS
- High annual fee (CHF 200)
- No concierge service
Card Details
At a Glance
Annual fee
CHF 200
1st Year
CHF 100
Rewards rate
1.5 points/CHF
FX Fee
1.75%
Welcome bonus
20,000 points
Travel insurance coverage
CHF 20'000
Fees & Costs
Fees & Costs
First year annual fee
CHF 100
Annual fee (after first year)
CHF 200
Foreign exchange fee
1.75%
Cash Withdrawal (Domestic)
4% (min CHF 10)
Cash Withdrawal (International)
5.75% (min CHF 10)
Late Payment Fee
CHF 20
Additional Cards
CHF 50/card/year • Up to 2 cards
Rewards Program
Rewards Program
Rewards type
Points
Base rewards rate
1.5 / CHF
Welcome bonus
20,000 points
Insurance & Protection
Insurance & Protection
Travel insurance coverage
CHF 20'000
Medical insurance coverage
CHF 250'000
Purchase protection
CHF 2'000
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
Airport lounge access available
Concierge service
Key Features
- 1 welcome bonus points
- Travel insurance coverage up to CHF 15000
- Medical coverage of up to 250,000 Swiss francs per incident for travel up to 90 days
- Multiple mobile payment options (Samsung Pay, Apple Pay, Google Pay, Garmin Pay)
- Standard Priority Pass membership
Calculate If This Card Is Worth It for You
= CHF 30'000/year
You Pay
CHF 200
per year
You Get Back
CHF 900
estimated value
Bottom Line
+CHF 700
in your pocket
Annual calculation:
CHF 30'000/yr × 1.5 points/CHF × 1 ct
20'000 points × 1 ct
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
- Should I pick the SGKB Mastercard Gold or the Visa Gold?
- Take the Mastercard if you travel to Asia or shop at retailers that surcharge Visa. Fees, the 1.75% FX rate, the CHF 50 supplementary card, the 20,000 welcome points: identical across both. Network acceptance is the only real lever.
- Is the supplementary card billed separately?
- No, additional cards run on joint billing. One statement, one direct debit, one person liable. If you want your partner's purchases on a separate invoice, this isn't the card.
- How many additional cards can I add?
- Two, at CHF 50 each per year. Most premium issuers let you add four or more, so a household with three drivers will hit the wall. Same address, single statement.
How We Rated This Card
Wondering why SGKB 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 SGKB Mastercard Gold today and start enjoying its benefits.