SGKB Visa Gold

Identical to SGKB Mastercard Gold. Same CHF 250,000 coverage, same Priority Pass, different network.

The SGKB Visa Gold mirrors their Mastercard Gold exactly: same CHF 200 fee (first year CHF 100), same CHF 250,000 medical coverage, same Priority Pass, same 20,000 welcome points. Your network choice is purely about personal preference. The benefits and limitations are identical.

Does Network Choice Actually Matter?

In Switzerland, Visa and Mastercard acceptance is virtually identical. Both work everywhere. The CHF 250,000 medical coverage works identically on both. The Priority Pass access (EUR 30/visit) is identical. The 1.75% FX fee is identical.

Pick based on which network you don't already have. SGKB offers both so customers have options, but neither is objectively better.

What Actually Stands Out

Everything matches the Mastercard version. CHF 200 annual fee (first year CHF 100). CHF 250,000 medical coverage abroad. CHF 20,000 trip cancellation. Priority Pass at EUR 30/visit. 1.5 Surprize points per CHF 1. 20,000 welcome points.

Apple Pay, Google Pay, Samsung Pay, and Garmin Pay all work. The 1.75% FX fee is standard. Banking integration is identical on both networks.

What Most Reviews Miss

The products are interchangeable. The meaningful decision is whether SGKB Gold makes sense for your needs (given the solid insurance and paid lounge access), not which network to choose.

Both network versions charge EUR 30 per lounge visit. If you want complimentary access, neither SGKB card provides it. You'd need a different card or separate Priority Pass membership.

The Bottom Line

Same solid gold card as SGKB Mastercard Gold, on Visa network. Same insurance, same lounge access, same cantonal integration. Compare alternatives in our best premium credit cards in Switzerland guide.

Verdict: Identical to Mastercard version. Choose Visa if you want network diversity or already have Mastercard products.