Auch gut für
Unsere Einschätzung zur SGKB Visa Silver
First year CHF 50, then CHF 100. St. Gallen's standard cantonal bank silver card.
The SGKB Visa Silver offers standard silver-tier benefits from St. Galler Kantonalbank: trip insurance, Surprize points, and mobile payments. SGKB also offers these same benefits on their Mastercard Silver at identical pricing. At CHF 100 annually (CHF 50 in year one), the 10,000 welcome points help offset the initial cost while the trip insurance adds practical value for travelers. See also the SGKB Mastercard Silver.
Is CHF 100 Worth It?
The discounted first year helps. 10,000 welcome points (worth roughly CHF 50) effectively make year one free when combined with the CHF 50 introductory fee. 1 Surprize point per CHF 1 spent continues building value after that.
From year two at full price, the math depends on usage. CHF 10,000 trip cancellation and CHF 7,500 trip interruption coverage carry CHF 30-50 in standalone value. Regular travelers who bank with SGKB get reasonable value from the combined package.
What Actually Stands Out
The SGKB banking integration appeals to St. Gallen residents. Unified statements, local customer service, and consolidated account management create convenience that goes beyond the card itself.
Apple Pay, Google Pay, Samsung Pay, and Garmin Pay all work. Additional cards cost CHF 25. The Surprize points ecosystem offers redemption across various partners and rewards, giving you flexibility in how you use your earnings.
What Most Reviews Miss
The 1.75% FX fee is just average. Cards like Raiffeisen Silver (1.5%) offer better rates for foreign spending. If you shop online in euros or travel frequently, that 0.25% gap adds up to real money over a year.
There is also no medical coverage abroad, which is typical for silver cards but worth remembering for international trips. You will still need separate health insurance when traveling. Our credit card insurance guide breaks down what each Swiss card actually covers.
The Bottom Line
A dependable silver card for SGKB customers who value cantonal banking integration with basic travel protection. The welcome bonus sweetens year one, and the trip insurance adds genuine utility. Compare alternatives in our best credit cards in Switzerland guide.
Verdict: Solid for SGKB customers. The banking integration and trip insurance justify the cost if you already bank in St. Gallen.
VORTEILE
- 10000 welcome bonus points
- Travel insurance coverage up to CHF 10,000
- Apple Pay compatible
- Contactless payments for convenient transactions
- 1% cashback
- Travel insurance coverage up to CHF 10000
- No income requirement
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
Visa
Kartentyp
Standard
Währung
CHF
Mindesteinkommensanforderung
Keine Einkommensanforderung
Monatliches Ausgabenlimit
CHF 10'000
Zugang zu Flughafen-Lounges
Concierge-Service
Hauptmerkmale
- 1% cashback
- Travel insurance coverage up to CHF 10000
- No income requirement
- Multiple mobile payment options
- Comprehensive insurance package with coverage across 11 types of events
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
- Is there a monthly spending limit on the SGKB Visa Silver?
- Yes, you're capped at CHF 10,000 per month. That's tight if you put rent, daycare, and a holiday on the card in the same cycle, so check your statement before big-ticket weekends.
- How does billing work if I add a partner card?
- All charges land on one combined statement (joint billing). You see your spouse's grocery runs at Coop, you settle one invoice. Useful for shared budgets, awkward if you split household finances.
- What happens if I pay my SGKB bill late?
- You owe CHF 20 on top of interest, friendlier than the CHF 30 most issuers charge. Set up direct debit and forget it.
So haben wir diese Karte bewertet
Sie fragen sich, warum SGKB Visa 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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