Auch gut für
Unsere Einschätzung zur SGKB Mastercard Silver
10,000 welcome points and CHF 10,000 trip insurance. Standard cantonal silver at SGKB pricing.
The St. Galler Kantonalbank (SGKB) Mastercard Silver offers the standard cantonal bank silver package: Surprize points, trip insurance, mobile payments. At CHF 100 annually (first year CHF 50), it provides reliable value for St. Gallen residents who want banking integration with basic credit card benefits. Also available on the other network: SGKB Visa Silver.
Is CHF 100 Worth It?
For SGKB customers, the first year at CHF 50 makes it easy to try. 10,000 welcome points (worth roughly CHF 50) effectively offset the first-year cost. 1 Surprize point per CHF 1 spent builds ongoing rewards.
CHF 10,000 trip cancellation and CHF 7,500 trip interruption coverage add value for travelers. If you'd pay CHF 30-50 for standalone trip insurance, the card cost becomes reasonable. Standard cantonal bank value.
What Actually Stands Out
The banking integration with SGKB is the differentiator. Unified account management, automatic statements, local customer service in St. Gallen. For those who value regional banking relationships, the cantonal bank integration matters.
Apple Pay, Google Pay, Samsung Pay, and Garmin Pay all work. Additional cards cost CHF 25. The 1.75% FX fee is standard for cantonal cards.
What Most Reviews Miss
No medical coverage abroad. This is a silver card, so the absence isn't surprising, but international travelers need separate coverage for health emergencies. The trip insurance covers cancellation and interruption, not health.
The 1.75% FX fee is average, not competitive. Cards like Raiffeisen (1.5%) or Cornèrcard (1.2%) offer better rates for international spending. If foreign transactions are significant, evaluate alternatives. Our credit card insurance guide compares coverage across all Swiss cards.
The Bottom Line
A reliable silver card for SGKB customers. Nothing exceptional, nothing missing. The welcome bonus makes year one attractive, and the trip insurance adds real value. Compare alternatives in our best credit cards in Switzerland guide. This card is also available on Visa with identical benefits.
Verdict: Good choice if you bank with SGKB. Standard cantonal bank value with local service advantage.
VORTEILE
- 10000 welcome bonus points
- Travel insurance coverage up to CHF 10,000
- Apple Pay compatible
- Contactless payments for convenient transactions
- 1 welcome bonus points
- Travel insurance coverage up to CHF 10000
- Multiple mobile payment options (Samsung Pay, Apple Pay, Google Pay, Garmin Pay)
NACHTEILE
- No medical coverage
- No airport lounge access
- No concierge service
Kartendetails
Auf einen Blick
Jahresgebühr
CHF 100
1. Jahr
CHF 50
Prämiensatz
1 Punkte/CHF
FX-Gebühr
1.75%
Willkommensbonus
10,000 points
Reiseversicherungsschutz
CHF 10'000
Gebühren & Kosten
Gebühren & Kosten
Jahresgebühr im ersten Jahr
CHF 50
Jahresgebühr (nach dem ersten Jahr)
CHF 100
Fremdwährungsgebühr
1.75%
Bargeldabhebung (Inland)
4% (min CHF 10)
Bargeldabhebung (Ausland)
5.75% (min CHF 10)
Verzugsgebühr
CHF 20
Zusatzkarten
CHF 25/Karte/Jahr • Bis zu 2 Karten
Prämienprogramm
Prämienprogramm
Prämientyp
Points
Basis-Prämiensatz
1 / CHF
Willkommensbonus
10,000 points
Versicherung & Schutz
Versicherung & Schutz
Reiseversicherungsschutz
CHF 10'000
Krankenversicherungsschutz
Keine medizinische Versorgung
Kaufschutz
CHF 1'000
Kartenmerkmale
Kartenmerkmale
Kartennetzwerk
Mastercard
Kartentyp
Standard
Währung
CHF
Mindesteinkommensanforderung
Keine Einkommensanforderung
Monatliches Ausgabenlimit
CHF 10'000
Zugang zu Flughafen-Lounges
Concierge-Service
Hauptmerkmale
- 1 welcome bonus points
- Travel insurance coverage up to CHF 10000
- Multiple mobile payment options (Samsung Pay, Apple Pay, Google Pay, Garmin Pay)
- 24-hour customer service support
- No income requirement
Berechnen Sie, ob sich diese Karte für Sie lohnt
= CHF 30'000/year
Sie zahlen
CHF 100
pro Jahr
Sie erhalten
CHF 480
geschätzter Wert
Unterm Strich
+CHF 380
in Ihrer Tasche
Jährliche Berechnung:
CHF 30'000/yr × 1 points/CHF × 1 ct
10'000 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
- How does the SGKB supplementary card billing work?
- All supplementary card transactions appear on your single SGKB statement. That's the standard joint-billing setup; the supplementary cardholder doesn't get a separate invoice or limit. You stay responsible for paying the full balance, including their charges. Useful for a partner or adult child whose spending you want centralized.
- How many supplementary cards can I add?
- Up to two extra cards at CHF 25 per card per year. The hard cap at two is more restrictive than most Swiss cashback cards (which typically don't publish a limit). CHF 25 is roughly the cashback segment average for supplementary fees.
- What is the 10,000 welcome point bonus worth?
- Around CHF 100 in catalog goods or vouchers, depending on the SGKB rewards redemption rate. It's a one-time credit after activation. The ongoing earn rate isn't documented as generously on this card, so factor the welcome bonus into year-one value but don't extrapolate to ongoing returns.
So haben wir diese Karte bewertet
Sie fragen sich, warum SGKB Mastercard Silver diese Bewertung hat? Wir bewerten Cashback-Karten mit einer gewichteten Formel. Das zählt:
Gleiche Formel für jede Karte in dieser Kategorie. Keine Ausnahmen.
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