SGKB Visa Silver

Identical to SGKB Mastercard Silver. Same 10,000 welcome points, same trip insurance, different network.

The SGKB Visa Silver mirrors their Mastercard Silver exactly: same CHF 100 fee (first year CHF 50), same 10,000 welcome points, same trip insurance. Your network choice is purely about personal preference or portfolio diversity. The financial terms are identical.

Does Network Choice Actually Matter?

In Switzerland, Visa and Mastercard acceptance is virtually identical. Both work at essentially every retailer, restaurant, and online store. The 10,000 welcome points apply to both. The CHF 10,000 trip cancellation is identical. The 1.75% FX fee is identical.

Pick based on which network you don't already have, or flip a coin. SGKB offers both so customers have options.

What Actually Stands Out

Everything matches the Mastercard version. CHF 100 annual fee (first year CHF 50). 10,000 welcome points. 1 Surprize point per CHF 1 spent. CHF 10,000 trip cancellation. CHF 7,500 trip interruption.

Apple Pay, Google Pay, Samsung Pay, and Garmin Pay all work. Additional cards cost CHF 25. The SGKB banking integration is identical on both networks.

What Most Reviews Miss

The products are interchangeable. SGKB offers both networks purely for customer preference. Neither Visa nor Mastercard offers better benefits, better FX rates, or better insurance. The meaningful decision is whether the SGKB Silver card makes sense for your needs, not which network to choose.

No medical coverage on either. If you travel internationally and need health protection, you need separate insurance or upgrade to gold tier.

The Bottom Line

Same reliable silver card as SGKB Mastercard Silver, on Visa network. Same trip insurance, same welcome bonus, same cantonal bank integration. Compare alternatives in our best credit cards in Switzerland guide.

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