Auch gut für
Unsere Einschätzung zur SPAR Mastercard World
Free card with CHF 60,000 trip insurance. That's genuinely unusual for a no-fee store card.
The SPAR Mastercard World offers something unexpected: substantial travel insurance on a completely free store card. CHF 60,000 trip interruption coverage and flight delay compensation are benefits you'd normally pay for. Combined with SPAR points earning and a competitive 1.5% FX fee, this punches well above its free price point.
Is It Worth Getting?
Yes, especially for the insurance alone. CHF 60,000 trip interruption coverage would cost CHF 20-40 standalone. Flight delay compensation adds additional value. All this for zero annual fee. Even if you rarely shop at SPAR, the free travel protection makes this worth having.
The 1.5% FX fee is better than average (most free cards charge 2%+). For occasional foreign purchases or travel, this card performs well against paid alternatives.
What Actually Stands Out
The travel insurance on a free card is the headline. Most free store cards offer points and nothing else. This one includes meaningful protection that rivals entry-level paid cards.
1 SPAR point per CHF 1 at SPAR, 1 point per CHF 2 elsewhere. 500 points = CHF 5 voucher (1% effective return at SPAR, 0.5% elsewhere). Apple Pay, Google Pay, Samsung Pay, and Garmin Pay all work. Unlimited free additional cards for family members. Compare insurance packages across Swiss cards in our credit card insurance guide.
What Most Reviews Miss
No medical coverage abroad. The trip insurance covers interruption and delays, not health emergencies. If you get sick or injured traveling, you need separate insurance. The SPAR card helps with logistics, not medical bills.
The 0.5% return outside SPAR is modest. Cards like Certo One offer 1% everywhere. If SPAR isn't your regular retailer, the points value diminishes. The card's strength is the free insurance, not maximum earning rates.
The Bottom Line
An impressive free card for travelers who shop at SPAR. The CHF 60,000 trip insurance is genuinely unusual at this price point. Even non-SPAR shoppers benefit from the free protection and competitive FX fee. Compare alternatives in our best cashback credit cards in Switzerland guide.
Verdict: Worth having for the insurance alone. SPAR points are a bonus for regular shoppers.
VORTEILE
- No annual fee
- Low foreign exchange fee of 1.5%
- 1 welcome bonus points
- Travel insurance coverage up to CHF 60,000
- Apple Pay compatible
- Contactless payments for convenient transactions
- Earn 1 SPAR point per 1 CHF spent at SPAR, redeemable for vouchers (500 points = 5 CHF)
- Customizable design option available for a one-time fee of 30 CHF
NACHTEILE
- No medical coverage
- No airport lounge access
- No concierge service
Kartendetails
Auf einen Blick
Jahresgebühr
Kostenlos
Prämiensatz
1 Punkte/CHF
FX-Gebühr
1.5%
Willkommensbonus
1 pts/2CHF Points
Reiseversicherungsschutz
CHF 60,000
Gebühren & Kosten
Gebühren & Kosten
Jahresgebühr im ersten Jahr
Keine Jahresgebühr
Jahresgebühr (nach dem ersten Jahr)
Keine Jahresgebühr
Fremdwährungsgebühr
1.5%
Bargeldabhebung (Inland)
3.75% (min CHF 10)
Bargeldabhebung (Ausland)
5.25% (min CHF 10)
Verzugsgebühr
CHF 30
Zusatzkarten
-
Prämienprogramm
Prämienprogramm
Prämientyp
Points
Basis-Prämiensatz
1 / CHF
Willkommensbonus
1 pts/2CHF Points
Versicherung & Schutz
Versicherung & Schutz
Reiseversicherungsschutz
CHF 60,000
Krankenversicherungsschutz
Keine medizinische Versorgung
Kaufschutz
CHF 5,000
Kartenmerkmale
Kartenmerkmale
Kartennetzwerk
Mastercard
Kartentyp
Standard
Währung
CHF
Mindesteinkommensanforderung
Keine Einkommensanforderung
Monatliches Ausgabenlimit
CHF 20,000
Zugang zu Flughafen-Lounges
Concierge-Service
Hauptmerkmale
- Earn 1 SPAR point per 1 CHF spent at SPAR, redeemable for vouchers (500 points = 5 CHF)
- Customizable design option available for a one-time fee of 30 CHF
- 24-hour service and support for cardholders
- Up to 60000 CHF coverage for trip interruptions
- Support for a variety of digital wallets such as Samsung Pay and Apple Pay
Berechnen Sie, ob sich diese Karte für Sie lohnt
= CHF 30’000/year
Sie zahlen
CHF 0
pro Jahr
Sie erhalten
CHF 380
geschätzter Wert
Unterm Strich
+CHF 380
in Ihrer Tasche
Jährliche Berechnung:
CHF 30’000/yr × 1 points/CHF × 1 ct
Verschieben Sie den Regler, um den Kartenwert zu sehen. Meilen: 1,5 Rp., Punkte: 1 Rp.
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Häufig gestellte Fragen
- What is the annual fee for the SPAR Mastercard World?
- The SPAR Mastercard World has no annual fee, making it accessible to all cardholders.
- What are the foreign transaction fees for the SPAR Mastercard World?
- The SPAR Mastercard World charges a 1.5% foreign exchange fee on international transactions.
- What rewards does the SPAR Mastercard World offer?
- The SPAR Mastercard World offers points rewards at a base rate of 1 per CHF spent.
- What insurance coverage does the SPAR Mastercard World include?
- The SPAR Mastercard World includes travel insurance up to CHF 60,000 and medical coverage up to CHF 0 abroad.
- Is the SPAR Mastercard World compatible with Apple Pay?
- Yes, the SPAR Mastercard World is fully compatible with Apple Pay for contactless mobile payments.
So haben wir diese Karte bewertet
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