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Il Nostro Parere su SWISS Miles & More Classic
17,000 welcome miles and dual cards (Amex + Mastercard) for CHF 120. Entry-level Miles & More earning.
The SWISS Miles & More Classic card is the affordable entry into the Miles & More program. At CHF 120 annually, you get 17,000 welcome miles, a dual-card set (Amex + Mastercard), and the ability to earn miles on everyday spending. For occasional SWISS or Lufthansa flyers, it starts building toward meaningful redemptions.
Is CHF 120 Worth It?
For miles enthusiasts, often yes. 17,000 welcome miles would cost roughly CHF 200-300 if purchased. 0.75 miles per CHF 1 on Amex (0.6 on Mastercard) means CHF 20,000 annual spending = 15,000 miles. Combined with the welcome bonus, year one delivers 32,000 miles.
A European short-haul award flight costs 15,000-20,000 miles. Year-one earnings could cover a round trip. The economics improve if you're already loyal to SWISS/Lufthansa.
What Actually Stands Out
The dual-card setup (Amex + Mastercard) is practical. Use Amex (0.75 miles/CHF) where accepted, Mastercard (0.6 miles/CHF) elsewhere. One annual fee, complete network coverage, optimized earning.
Miles & More points transfer to Lufthansa Group airlines, partner hotels, and other Star Alliance carriers. Apple Pay and Google Pay work on both cards.
What Most Reviews Miss
Insurance is minimal. CHF 150 flight delay coverage. No medical coverage abroad. This is an earning card, not a protection card. If you travel, you need separate insurance.
The 2.5% FX fee is high. International purchases cost you money. The miles earned don't offset FX costs on foreign spending. Use a different card for international transactions.
The Bottom Line
Affordable miles earning for occasional SWISS/Lufthansa flyers. The welcome bonus provides immediate value, and everyday spending builds toward flights. Upgrade to Gold for better rates if you spend heavily. Compare alternatives in our best travel credit cards in Switzerland guide.
Verdict: Good starting point for Miles & More. The dual cards provide network flexibility at entry-level pricing.
PRO
- 17000 welcome bonus points
- Travel insurance coverage up to CHF 150
- Apple Pay compatible
- Contactless payments for convenient transactions
- Two card set for the price of one
- Coverage of up to 150 Swiss francs for travel-related additional costs due to eligible disruptions
- Multiple mobile payment options (Samsung Pay, Apple Pay, Google Pay, Garmin Pay)
CONTRO
- High annual fee (CHF 120)
- High foreign exchange fee (2.5%)
- No medical coverage
- No airport lounge access
- No concierge service
Dettagli della carta
In sintesi
Quota annuale
CHF 120
1° anno
CHF 60
Tasso premi
0.75 miglia/CHF
Comm. FX
2.5%
Bonus di benvenuto
17,000 miles
Copertura assicurativa viaggio
CHF 150
Commissioni e Costi
Commissioni e Costi
Quota annuale primo anno
CHF 60
Quota annuale (dopo il primo anno)
CHF 120
Commissione valuta estera
2.5%
Prelievo Contanti (Nazionale)
4% (min CHF 10)
Prelievo Contanti (Internazionale)
6.5% (min CHF 10)
Commissione Ritardo Pagamento
CHF 30
Carte aggiuntive
CHF 60/carta/anno
Programma Premi
Programma Premi
Tipo di premi
Miles
Tasso premi base
0.75 / CHF
Bonus di benvenuto
17,000 miles
Earn 1.5 miles for every 2 Swiss francs spent. Welcome bonus of 17000 miles.
Assicurazione e Protezione
Assicurazione e Protezione
Copertura assicurativa viaggio
CHF 150
Copertura assicurativa medica
Nessuna copertura medica
Protezione degli acquisti
Nessuna protezione acquisti
Caratteristiche della Carta
Caratteristiche della Carta
Circuito della Carta
American Express
Tipo di Carta
Standard
Valuta
CHF
Doppio Circuito
amex + mastercard
Requisito di reddito minimo
Nessun requisito di reddito
Limite di spesa mensile
CHF 15,000
Accesso alle lounge aeroportuali
Servizio di concierge
Caratteristiche Principali
- Two card set for the price of one
- Coverage of up to 150 Swiss francs for travel-related additional costs due to eligible disruptions
- Multiple mobile payment options (Samsung Pay, Apple Pay, Google Pay, Garmin Pay)
- Comprehensive insurance coverage across 11 types, enhancing travel safety and peace of mind
- 24-hour customer service and mobile access for account management
Calcola se questa carta ne vale la pena per te
= CHF 30’000/year
Paghi
CHF 120
all'anno
Ricevi
CHF 593
valore stimato
In sintesi
+CHF 473
in tasca
Calcolo annuale:
CHF 30’000/yr × 0.75 miles/CHF × 1.5 ct
17’000 miles × 1.5 ct
Sposta il cursore per vedere il valore. Miles: 1,5 ct, punti: 1 ct.
Valutazione per Categoria
Confronta con altre carte
Domande frequenti
- What is the annual fee for the SWISS Miles & More Classic?
- The SWISS Miles & More Classic has a promotional first year fee of CHF 60, then CHF 120 per year afterwards.
- What are the foreign transaction fees for the SWISS Miles & More Classic?
- The SWISS Miles & More Classic charges a 2.5% foreign exchange fee on international transactions.
- What rewards does the SWISS Miles & More Classic offer?
- The SWISS Miles & More Classic offers miles rewards at a base rate of 0.75 per CHF spent.
- What insurance coverage does the SWISS Miles & More Classic include?
- The SWISS Miles & More Classic includes travel insurance up to CHF 150 and medical coverage up to CHF 0 abroad.
- Is the SWISS Miles & More Classic compatible with Apple Pay?
- Yes, the SWISS Miles & More Classic is fully compatible with Apple Pay for contactless mobile payments.
Come abbiamo valutato questa carta
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