Également bon pour
Notre Avis sur 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.
AVANTAGES
- 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)
INCONVÉNIENTS
- High annual fee (CHF 120)
- High foreign exchange fee (2.5%)
- No medical coverage
- No airport lounge access
- No concierge service
Détails de la carte
En un coup d'œil
Frais annuels
CHF 120
1ère année
CHF 60
Taux de récompense
0.75 miles/CHF
Frais FX
2.5%
Bonus de bienvenue
17,000 miles
Couverture d'assurance voyage
CHF 150
Frais & Coûts
Frais & Coûts
Frais annuels la première année
CHF 60
Frais annuels (après la première année)
CHF 120
Frais de change
2.5%
Retrait d'Espèces (National)
4% (min CHF 10)
Retrait d'Espèces (International)
6.5% (min CHF 10)
Frais de Retard
CHF 30
Cartes supplémentaires
CHF 60/carte/an
Programme de Récompenses
Programme de Récompenses
Type de récompense
Miles
Taux de récompense de base
0.75 / CHF
Bonus de bienvenue
17,000 miles
Earn 1.5 miles for every 2 Swiss francs spent. Welcome bonus of 17000 miles.
Assurance & Protection
Assurance & Protection
Couverture d'assurance voyage
CHF 150
Couverture d'assurance médicale
Pas de couverture médicale
Protection des achats
Pas de protection des achats
Caractéristiques de la Carte
Caractéristiques de la Carte
Réseau de la Carte
American Express
Type de Carte
Standard
Devise
CHF
Double Réseau
amex + mastercard
Revenu minimum requis
Aucune exigence de revenu
Limite de dépenses mensuelles
CHF 15'000
Accès aux salons d'aéroport
Service de conciergerie
Caractéristiques Principales
- 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
Calculez si cette carte en vaut la peine pour vous
= CHF 30'000/year
Vous payez
CHF 120
par an
Vous recevez
CHF 593
valeur estimée
Bilan
+CHF 473
dans votre poche
Calcul annuel :
CHF 30'000/yr × 0.75 miles/CHF × 1.5 ct
17'000 miles × 1.5 ct
Déplacez le curseur pour voir la valeur. Miles: 1,5 ct, points: 1 ct.
Note par Catégorie
Comparer avec d'autres cartes
Questions fréquemment posées
- Why does the Miles & More Classic come with two cards?
- You get both an Amex and a Mastercard from one application. Use the Amex where accepted (higher mile rate) and the Mastercard everywhere else. They share one statement and one annual fee, so it's effectively a dual-network setup.
- How fast do I earn miles on the Amex side of the Classic set?
- 1.5 miles per 2 francs charged on the Amex (=0.75 miles per franc). The Mastercard partner earns less. So a CHF 4,000 monthly spend, all on the Amex, banks 3,000 miles a month plus the welcome bonus.
- Are the 17,000 welcome miles per card or per set?
- Per set, not per card. You get one batch of 17,000 miles after hitting the qualifying spend, regardless of which of the two cards you use. Plan your first big purchases on the Amex to also maximize ongoing earn.
Comment nous avons noté cette carte
Vous vous demandez pourquoi SWISS Miles & More Classic a obtenu ce score ? On note les cartes Premium avec une formule pondérée. Voici ce qui compte :
Même formule pour toutes les cartes de cette catégorie. Sans exception.
Voir notre méthodologie complètePrêt à Faire une Demande?
Faites votre demande pour la SWISS Miles & More Classic aujourd'hui et profitez de ses avantages.