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Il Nostro Parere su 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.
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.
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.
Verdict: Good choice if you bank with SGKB. Standard cantonal bank value with local service advantage.
PRO
- 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)
CONTRO
- No medical coverage
- No airport lounge access
- No concierge service
Dettagli della carta
In sintesi
Quota annuale
CHF 100
1° anno
CHF 50
Tasso premi
1 punti/CHF
Comm. FX
1.75%
Bonus di benvenuto
10,000 points
Copertura assicurativa viaggio
CHF 10,000
Commissioni e Costi
Commissioni e Costi
Quota annuale primo anno
CHF 50
Quota annuale (dopo il primo anno)
CHF 100
Commissione valuta estera
1.75%
Prelievo Contanti (Nazionale)
4% (min CHF 10)
Prelievo Contanti (Internazionale)
5.75% (min CHF 10)
Commissione Ritardo Pagamento
CHF 20
Carte aggiuntive
CHF 25/carta/anno • Fino a 2 carte
Programma Premi
Programma Premi
Tipo di premi
Points
Tasso premi base
1 / CHF
Bonus di benvenuto
10,000 points
Assicurazione e Protezione
Assicurazione e Protezione
Copertura assicurativa viaggio
CHF 10,000
Copertura assicurativa medica
Nessuna copertura medica
Protezione degli acquisti
CHF 1,000
Caratteristiche della Carta
Caratteristiche della Carta
Circuito della Carta
Mastercard
Tipo di Carta
Standard
Valuta
CHF
Requisito di reddito minimo
Nessun requisito di reddito
Limite di spesa mensile
CHF 10,000
Accesso alle lounge aeroportuali
Servizio di concierge
Caratteristiche Principali
- 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
Calcola se questa carta ne vale la pena per te
= CHF 30’000/year
Paghi
CHF 100
all'anno
Ricevi
CHF 480
valore stimato
In sintesi
+CHF 380
in tasca
Calcolo annuale:
CHF 30’000/yr × 1 points/CHF × 1 ct
10’000 points × 1 ct
Sposta il cursore per vedere il valore. Miles: 1,5 ct, punti: 1 ct.
Valutazione per Categoria
Confronta con altre carte
Domande frequenti
- What is the annual fee for the SGKB Mastercard Silver?
- The SGKB Mastercard Silver has a promotional first year fee of CHF 50, then CHF 100 per year afterwards.
- What are the foreign transaction fees for the SGKB Mastercard Silver?
- The SGKB Mastercard Silver charges a 1.75% foreign exchange fee on international transactions.
- What rewards does the SGKB Mastercard Silver offer?
- The SGKB Mastercard Silver offers points rewards at a base rate of 1 per CHF spent.
- What insurance coverage does the SGKB Mastercard Silver include?
- The SGKB Mastercard Silver includes travel insurance up to CHF 10,000 and medical coverage up to CHF 0 abroad.
- Is the SGKB Mastercard Silver compatible with Apple Pay?
- Yes, the SGKB Mastercard Silver is fully compatible with Apple Pay for contactless mobile payments.
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