Également bon pour
Notre Avis sur 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.
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.
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.
Verdict: Good choice for SGKB customers who travel internationally. Standard cantonal gold value with local service advantage.
AVANTAGES
- 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
INCONVÉNIENTS
- High annual fee (CHF 200)
- No concierge service
Détails de la carte
En un coup d'œil
Frais annuels
CHF 200
1ère année
CHF 100
Taux de récompense
1.5 points/CHF
Frais FX
1.75%
Bonus de bienvenue
20,000 points
Couverture d'assurance voyage
CHF 20,000
Frais & Coûts
Frais & Coûts
Frais annuels la première année
CHF 100
Frais annuels (après la première année)
CHF 200
Frais de change
1.75%
Retrait d'Espèces (National)
4% (min CHF 10)
Retrait d'Espèces (International)
5.75% (min CHF 10)
Frais de Retard
CHF 20
Cartes supplémentaires
CHF 50/carte/an • Jusqu'à 2 cartes
Programme de Récompenses
Programme de Récompenses
Type de récompense
Points
Taux de récompense de base
1.5 / CHF
Bonus de bienvenue
20,000 points
Assurance & Protection
Assurance & Protection
Couverture d'assurance voyage
CHF 20,000
Couverture d'assurance médicale
CHF 250,000
Protection des achats
CHF 2,000
Caractéristiques de la Carte
Caractéristiques de la Carte
Réseau de la Carte
Mastercard
Type de Carte
Gold
Devise
CHF, USD, EUR
Revenu minimum requis
Aucune exigence de revenu
Limite de dépenses mensuelles
-
Accès aux salons d'aéroport
Accès aux salons d'aéroport disponible
Service de conciergerie
Caractéristiques Principales
- 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
Calculez si cette carte en vaut la peine pour vous
= CHF 30’000/year
Vous payez
CHF 200
par an
Vous recevez
CHF 900
valeur estimée
Bilan
+CHF 700
dans votre poche
Calcul annuel :
CHF 30’000/yr × 1.5 points/CHF × 1 ct
20’000 points × 1 ct
Déplacez le curseur pour voir la valeur. Miles: 1,5 ct, points: 1 ct.
Note par Catégorie
Comparer avec d'autres cartes
Questions fréquemment posées
- What is the annual fee for the SGKB Mastercard Gold?
- The SGKB Mastercard Gold has a promotional first year fee of CHF 100, then CHF 200 per year afterwards.
- What are the foreign transaction fees for the SGKB Mastercard Gold?
- The SGKB Mastercard Gold charges a 1.75% foreign exchange fee on international transactions.
- What rewards does the SGKB Mastercard Gold offer?
- The SGKB Mastercard Gold offers points rewards at a base rate of 1.5 per CHF spent.
- What insurance coverage does the SGKB Mastercard Gold include?
- The SGKB Mastercard Gold includes travel insurance up to CHF 20,000 and medical coverage up to CHF 250,000 abroad.
- Does the SGKB Mastercard Gold include airport lounge access?
- Yes, the SGKB Mastercard Gold includes airport lounge access through Priority Pass or partner programs.
- Is the SGKB Mastercard Gold compatible with Apple Pay?
- Yes, the SGKB Mastercard Gold is fully compatible with Apple Pay for contactless mobile payments.
Comment nous avons noté cette carte
Vous vous demandez pourquoi SGKB Mastercard Gold a obtenu ce score ? On note les cartes Premium avec une formule pondérée. Voici ce qui compte :
Même formule pour toutes les cartes de cette catégorie. Sans exception.
Voir notre méthodologie complètePrêt à Faire une Demande?
Faites votre demande pour la SGKB Mastercard Gold aujourd'hui et profitez de ses avantages.