Auch gut für
Unsere Einschätzung zur 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.
VORTEILE
- 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
NACHTEILE
- High annual fee (CHF 200)
- No concierge service
Kartendetails
Auf einen Blick
Jahresgebühr
CHF 200
1. Jahr
CHF 100
Prämiensatz
1.5 Punkte/CHF
FX-Gebühr
1.75%
Willkommensbonus
20,000 points
Reiseversicherungsschutz
CHF 20'000
Gebühren & Kosten
Gebühren & Kosten
Jahresgebühr im ersten Jahr
CHF 100
Jahresgebühr (nach dem ersten Jahr)
CHF 200
Fremdwährungsgebühr
1.75%
Bargeldabhebung (Inland)
4% (min CHF 10)
Bargeldabhebung (Ausland)
5.75% (min CHF 10)
Verzugsgebühr
CHF 20
Zusatzkarten
CHF 50/Karte/Jahr • Bis zu 2 Karten
Prämienprogramm
Prämienprogramm
Prämientyp
Points
Basis-Prämiensatz
1.5 / CHF
Willkommensbonus
20,000 points
Versicherung & Schutz
Versicherung & Schutz
Reiseversicherungsschutz
CHF 20'000
Krankenversicherungsschutz
CHF 250'000
Kaufschutz
CHF 2'000
Kartenmerkmale
Kartenmerkmale
Kartennetzwerk
Mastercard
Kartentyp
Gold
Währung
CHF, USD, EUR
Mindesteinkommensanforderung
Keine Einkommensanforderung
Monatliches Ausgabenlimit
-
Zugang zu Flughafen-Lounges
Flughafen-Lounge-Zugang verfügbar
Concierge-Service
Hauptmerkmale
- 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
Berechnen Sie, ob sich diese Karte für Sie lohnt
= CHF 30'000/year
Sie zahlen
CHF 200
pro Jahr
Sie erhalten
CHF 900
geschätzter Wert
Unterm Strich
+CHF 700
in Ihrer Tasche
Jährliche Berechnung:
CHF 30'000/yr × 1.5 points/CHF × 1 ct
20'000 points × 1 ct
Verschieben Sie den Regler, um den Kartenwert zu sehen. Meilen: 1,5 Rp., Punkte: 1 Rp.
Bewertung nach Kategorie
Mit anderen Karten vergleichen
Häufig gestellte Fragen
- 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.
So haben wir diese Karte bewertet
Sie fragen sich, warum SGKB Mastercard Gold diese Bewertung hat? Wir bewerten Premium-Karten mit einer gewichteten Formel. Das zählt:
Gleiche Formel für jede Karte in dieser Kategorie. Keine Ausnahmen.
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