Simply Card Smart VisaSimply
Cashback
Standard

Simply Card Smart Visa

Simply

Overall Rating

4.1/5

Annual fee

CHF 0

Network

Visa

Rewards Type

Points

Also good for

Premium
Student
Travel (miles)

Our Take on Simply Card Smart Visa

Your Swiss Finance Companion
Adrien Missioux
Adrien Missioux

Most Swiss cards charge 1.75% on foreign purchases. This free card charges 0.5%.

The Simply Card Smart Visa quietly offers one of Switzerland's best foreign exchange rates, and it costs nothing. Zero annual fee, 0.5% FX fee, and actual travel insurance. In a market where "free" usually means "stripped of features," this card is the exception that proves the rule.

Why Is It Free?

Here's the honest answer: Simply Card makes money when you use the card. Interchange fees (what merchants pay) fund the operation. They don't need to charge you an annual fee because transaction volume covers their costs. You're not the product; the payment network is.

The 0.5% foreign exchange fee is genuinely remarkable. Most Swiss cards charge 1.75-2.5%. On CHF 5,000 in annual foreign spending, you'd pay CHF 25 with this card versus CHF 87.50-125 with typical cards. That's CHF 62-100 in real savings, from a card that costs nothing to hold.

What Actually Stands Out

The Liberty points program rewards transportation spending heavily. You earn 2 points per CHF 1 at gas stations, public transport, and car rentals, double the base rate. For commuters, that adds up. Points redeem through the Liberty program for vouchers and rewards.

The MyCountry feature doubles your points on purchases abroad. Combined with the 0.5% FX fee, this makes the card surprisingly strong for international use. CHF 1,000 trip delay coverage isn't comprehensive, but it's more than most free cards offer (which is typically nothing). Apple Pay, Google Pay, Samsung Pay all work. Our exchange rates guide explains how these markups work across different networks.

What Most Reviews Miss

The Liberty points aren't as flexible as cash back. You're locked into their redemption catalog, which may or may not have what you want. And while the trip delay coverage is nice, there's no medical coverage abroad. If you're traveling to the US and need emergency care, this card won't help.

Also worth noting: the CHF 10,000 monthly spending limit is lower than premium cards. High spenders might hit it. And the card is issued through Bonus Card (part of the Viseca network), so customer service is average, not exceptional. But honestly, for a free card with these features? The tradeoffs are minimal.

The Bottom Line

This is the free card I recommend most often. The 0.5% FX fee alone justifies carrying it for any international purchase or travel. Even if you have a premium card, keep this one for foreign transactions. Compare it against other options in our best cashback credit cards in Switzerland guide.

Verdict: A must-have for anyone who spends abroad or values low fees. The best free credit card in Switzerland for international use.

Best For: anyone making purchases in foreign currencies (the 0.5% FX fee is exceptional), commuters and travelers earning 2x points on transportation, people wanting a no-fee card with actual benefits, not stripped-down features
Consider Alternatives If: you need medical coverage abroad (this card has none), you spend over CHF 10,000 monthly (you'll hit the limit), you want flexible cashback instead of the Liberty points program

PROS

  • No annual fee
  • Low foreign exchange fee of 0.5%
  • Travel insurance coverage up to CHF 1,000
  • Apple Pay compatible
  • Contactless payments for convenient transactions
  • 1 Liberty point per 1 franc spent
  • Double points earned on purchases abroad
  • Comprehensive travel insurance covering up to 1000 CHF

CONS

  • No welcome bonus
  • No medical coverage
  • No airport lounge access
  • No concierge service

Card Details

At a Glance

Annual fee

Free

Rewards rate

1 points/CHF

FX Fee

0.5%

Travel insurance coverage

CHF 1'000

Apple Pay
Contactless payments
Visa

Fees & Costs

First year annual fee

No annual fee

Annual fee (after first year)

No annual fee

Foreign exchange fee

0.5%

Cash Withdrawal (Domestic)

4% (min CHF 10)

Cash Withdrawal (International)

4.5% (min CHF 10)

Late Payment Fee

CHF 20

Additional Cards

-

Rewards Program

Rewards type

Points

Base rewards rate

1 / CHF

Insurance & Protection

Travel insurance coverage

CHF 1'000

Medical insurance coverage

No medical coverage

Purchase protection

No purchase protection

Card Features

Card Network

Visa

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 Liberty point per 1 franc spent
  • Double points earned on purchases abroad
  • Comprehensive travel insurance covering up to 1000 CHF
  • Access to various digital wallets including Samsung Pay and Apple Pay
  • 24-hour service and multiple additional card options for family members

Calculate If This Card Is Worth It for You

CHF 2'500/mo

= CHF 30'000/year

You Pay

CHF 0

per year

You Get Back

CHF 300

estimated value

Bottom Line

+CHF 300

in your pocket

Annual calculation:

Rewards earnedCHF 300

CHF 30'000/yr × 1 points/CHF × 1 ct

Total benefitsCHF 300
Annual fee- CHF 0
Net value+CHF 300

Move the slider to see how your spending affects the card's value. Miles: 1.5 ct, points: 1 ct.

Rating by Category

TOP 3

Cashback

116 cards

4.1
#3/ 116

Top 3%

#116#1
View top cards
TOP 1

Student

27 cards

4.1
#1/ 27

Top 4%

#27#1
View top cards

Premium

122 cards

2.6
#91/ 122

Top 75%

#122#1
View top cards

Travel (miles)

45 cards

2.4
#12/ 45

Top 27%

#45#1
View top cards

Compare to Other Cards

Certo One Mastercard

Certo One Mastercard

Certo

4.3
Apply now
Simply Card Smart Visa

Simply Card Smart Visa

Simply

4.1
Apply now
Annual feeNo annual fee
Annual feeNo annual fee
Rewards rate1% cashback
Rewards rate1 points/CHF
Welcome bonus1% cash
Welcome bonus-

Frequently Asked Questions

How does Simply Card's foreign cash withdrawal compare?
4.50% for international ATM withdrawals, around a full point below the cashback-segment average of 5.64%. Still expensive, but cheaper than a Cumulus or Coop card if you're stranded at a bancomat in Berlin.
Where do I earn 2x Liberty points?
On public transport, gas stations, and car rentals, plus a few related categories. An SBB Saver Day Pass or a Hertz pickup at Geneva airport earns at double the base rate. Fueling at Avia or Tamoil counts too.
How many additional cards can I add?
Unlimited, free of charge. Give one to your spouse, your teenager, your live-in partner, all without touching your renewal cost. Rare in the cashback segment, where most cap at 2-3 paid cards.
What is MyCountry on the Simply Card?
Double Liberty points on all spending abroad while MyCountry is active. Activation isn't automatic; flip the switch in the app before a trip. Two minutes of admin can double a holiday's earn rate.

How We Rated This Card

Wondering why Simply Card Smart Visa got its score? We rate Cashback cards using a weighted formula. Here's what counts:

Cashback Rate (50%)
Customer Satisfaction (30%)
Fee Value (20%)

Same formula for every card in this category. No exceptions.

See our full rating methodology

Ready to Apply?

Apply for the Simply Card Smart Visa today and start enjoying its benefits.