Également bon pour
Notre Avis sur SWISS Miles & More Gold
30,000 welcome miles and 1 mile per CHF 1 on Amex. Better earning for serious Miles & More collectors.
The SWISS Miles & More Gold card offers enhanced miles earning for serious collectors. At CHF 220 annually, you get 30,000 welcome miles, 1 mile per CHF 1 on Amex (0.8 on Mastercard), and the dual-card setup. However, the insurance remains disappointingly modest for a gold card.
Is CHF 220 Worth It?
For dedicated miles collectors, often yes. 30,000 welcome miles are worth CHF 400-600 in transfers. 1 mile per CHF 1 on Amex means CHF 25,000 annual spending = 25,000 miles. Year one delivers 55,000 miles, potentially enough for a European business class ticket.
Compared to Classic (CHF 120, 0.75 miles/CHF), Gold earns 33% more per franc. If you spend CHF 30,000+ annually, the extra CHF 100 fee generates significantly more miles.
What Actually Stands Out
The 1 mile per CHF 1 earning rate is competitive for airline cards. Combined with the dual-card setup, you earn on essentially all purchases. Status qualifying miles if you fly SWISS frequently can accelerate elite status.
Apple Pay and Google Pay work. The dual cards ensure network flexibility.
What Most Reviews Miss
The insurance is disappointing for a gold card. CHF 150 flight delay coverage. CHF 750 purchase protection. No medical coverage abroad. Most Visa/Mastercard gold cards include CHF 200,000-300,000 medical. SWISS Gold is an earning card, not a protection card.
No lounge access at gold tier. Upgrade to Platinum for lounges. The 2.5% FX fee is high for international purchases. Our credit card insurance guide compares coverage across all Swiss cards.
The Bottom Line
Better earning for dedicated Miles & More collectors, but missing the premium perks expected at gold tier. If you want insurance and lounges, consider Platinum. Compare alternatives in our best travel credit cards in Switzerland guide.
Verdict: Good for serious miles earners who prioritize accumulation over insurance. Missing features expected at gold tier.
AVANTAGES
- 30000 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
- Up to 150 CHF coverage for flight delays
- Multiple mobile payment options (Samsung Pay, Apple Pay, Google Pay, Garmin Pay)
INCONVÉNIENTS
- High annual fee (CHF 220)
- 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 220
1ère année
CHF 110
Taux de récompense
1 miles/CHF
Frais FX
2.5%
Bonus de bienvenue
30,000 miles
Couverture d'assurance voyage
CHF 150
Frais & Coûts
Frais & Coûts
Frais annuels la première année
CHF 110
Frais annuels (après la première année)
CHF 220
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 80/carte/an
Programme de Récompenses
Programme de Récompenses
Type de récompense
Miles
Taux de récompense de base
1 / CHF
Bonus de bienvenue
30,000 miles
Earn 2 miles for every 2 Swiss francs spent. Welcome bonus of 30000 miles.
Assurance & Protection
Assurance & Protection
Couverture d'assurance voyage
CHF 150
Couverture d'assurance médicale
Pas de couverture médicale
Protection des achats
CHF 750
Caractéristiques de la Carte
Caractéristiques de la Carte
Réseau de la Carte
American Express
Type de Carte
Gold
Devise
CHF
Double Réseau
amex + mastercard
Revenu minimum requis
Aucune exigence de revenu
Limite de dépenses mensuelles
CHF 30'000
Accès aux salons d'aéroport
Service de conciergerie
Caractéristiques Principales
- Two card set for the price of one
- Up to 150 CHF coverage for flight delays
- Multiple mobile payment options (Samsung Pay, Apple Pay, Google Pay, Garmin Pay)
- 24-hour customer service support
- No income requirement
Calculez si cette carte en vaut la peine pour vous
= CHF 30'000/year
Vous payez
CHF 220
par an
Vous recevez
CHF 930
valeur estimée
Bilan
+CHF 710
dans votre poche
Calcul annuel :
CHF 30'000/yr × 1 miles/CHF × 1.5 ct
30'000 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
- What's the mile-earning rate on the SWISS Miles & More Gold?
- 2 miles per 2 francs on the Amex (=1 mile per franc), the highest in the M&M Gold lineup. The Mastercard partner earns less. You'd burn through 30,000 miles for a short-haul Lufthansa Group return roughly after CHF 30,000 of Amex spend.
- How does the welcome bonus split between the two Gold cards?
- One 30,000-mile bonus per set, posted after the qualifying spend. Not 30,000 per card. Apply the threshold spend to the Amex to also bank ongoing miles at the higher rate.
- What's the supplementary card fee?
- CHF 80 per year per partner card, moderate for premium. The set already comes with two cards (one Amex, one Mastercard) for the main holder, so the supp adds a third for someone in your household.
Comment nous avons noté cette carte
Vous vous demandez pourquoi SWISS Miles & More Gold 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 Gold aujourd'hui et profitez de ses avantages.