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Our Take on 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.
PROS
- 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)
CONS
- No medical coverage
- No airport lounge access
- No concierge service
Card Details
At a Glance
Annual fee
CHF 100
1st Year
CHF 50
Rewards rate
1 points/CHF
FX Fee
1.75%
Welcome bonus
10,000 points
Travel insurance coverage
CHF 10'000
Fees & Costs
Fees & Costs
First year annual fee
CHF 50
Annual fee (after first year)
CHF 100
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 25/card/year • Up to 2 cards
Rewards Program
Rewards Program
Rewards type
Points
Base rewards rate
1 / CHF
Welcome bonus
10,000 points
Insurance & Protection
Insurance & Protection
Travel insurance coverage
CHF 10'000
Medical insurance coverage
No medical coverage
Purchase protection
CHF 1'000
Card Features
Card Features
Card Network
Mastercard
Card Type
Standard
Currency
CHF
Minimum income requirement
No income requirement
Monthly spending limit
CHF 10'000
Airport lounge access
Concierge service
Key Features
- 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
Calculate If This Card Is Worth It for You
= CHF 30'000/year
You Pay
CHF 100
per year
You Get Back
CHF 480
estimated value
Bottom Line
+CHF 380
in your pocket
Annual calculation:
CHF 30'000/yr × 1 points/CHF × 1 ct
10'000 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
- 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.
How We Rated This Card
Wondering why SGKB Mastercard Silver got its score? We rate Cashback 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 Silver today and start enjoying its benefits.