Unsere Einschätzung zur SWISS Miles & More Platinum
1.2 miles per CHF 1 on both cards plus CHF 10,000 medical coverage. Premium Miles & More at premium pricing.
The SWISS Miles & More Platinum finally combines the best earning rate with meaningful insurance. At CHF 700 annually, you get 1.2 miles per CHF 1 on both Amex and Mastercard, 35,000 welcome miles, CHF 10,000 medical coverage, and CHF 15,000 trip cancellation. For very frequent SWISS/Lufthansa flyers, this is the complete package.
Is CHF 700 Worth It?
For very frequent flyers, potentially. 35,000 welcome miles are worth CHF 500-700 in transfers. 1.2 miles per CHF 1 means CHF 50,000 annual spending = 60,000 miles. Year one delivers 95,000 miles, potentially a round-trip business class ticket to Asia.
CHF 10,000 medical coverage (worth CHF 50-80 standalone) and CHF 15,000 trip cancellation add protection value. The combined miles and insurance justify CHF 700 for serious travelers. Occasional flyers won't extract enough value.
What Actually Stands Out
The 1.2 miles per CHF 1 earning rate is identical on both Amex and Mastercard. No penalty for using the backup card. This is the best rate in the SWISS lineup and competitive for airline cards generally.
Real insurance differentiates this from Gold. CHF 400 flight delay coverage. CHF 15,000 trip cancellation. The medical coverage, while modest, exists. Apple Pay and Google Pay work on both cards. Our credit card insurance guide compares coverage across all Swiss cards.
What Most Reviews Miss
CHF 10,000 medical coverage is still modest. A serious medical emergency abroad can exceed this quickly. US hospitalization easily costs CHF 50,000+. Adventure travelers or those visiting expensive healthcare countries should consider supplemental insurance.
The 2.5% FX fee is high. International purchases cost you money. The miles earned partially offset this, but dedicated low-FX cards beat this for pure foreign spending. No lounge access included at this tier.
The Bottom Line
The premium Miles & More option with the best earning rate and real insurance. Worth it for very frequent SWISS/Lufthansa flyers who spend heavily. The CHF 700 fee requires high usage to justify. Compare alternatives in our best travel credit cards in Switzerland guide.
Verdict: Premium choice for committed Miles & More collectors. High fee requires high spending and frequent flying to justify.
VORTEILE
- 35000 welcome bonus points
- Travel insurance coverage up to CHF 15,000
- Up to CHF 10,000 coverage for medical expenses
- Apple Pay compatible
- Contactless payments for convenient transactions
- Two card set for the price of one
- Up to 15,000 Swiss francs coverage for travel and lodging costs
- Up to 400 CHF coverage for flight delays
NACHTEILE
- High annual fee (CHF 700)
- High foreign exchange fee (2.5%)
- No airport lounge access
- No concierge service
Kartendetails
Auf einen Blick
Jahresgebühr
CHF 700
1. Jahr
CHF 350
Prämiensatz
1.2 Meilen/CHF
FX-Gebühr
2.5%
Willkommensbonus
35,000 miles
Reiseversicherungsschutz
CHF 15,000
Gebühren & Kosten
Gebühren & Kosten
Jahresgebühr im ersten Jahr
CHF 350
Jahresgebühr (nach dem ersten Jahr)
CHF 700
Fremdwährungsgebühr
2.5%
Bargeldabhebung (Inland)
4% (min CHF 10)
Bargeldabhebung (Ausland)
6.5% (min CHF 10)
Verzugsgebühr
CHF 30
Zusatzkarten
CHF 200/Karte/Jahr
Prämienprogramm
Prämienprogramm
Prämientyp
Miles
Basis-Prämiensatz
1.2 / CHF
Willkommensbonus
35,000 miles
Earn 2.4 miles for every 2 Swiss francs spent. Welcome bonus of 35000 miles.
Versicherung & Schutz
Versicherung & Schutz
Reiseversicherungsschutz
CHF 15,000
Krankenversicherungsschutz
CHF 10,000
Kaufschutz
CHF 2,000
Kartenmerkmale
Kartenmerkmale
Kartennetzwerk
American Express
Kartentyp
Platinum
Währung
CHF
Dual-Netzwerk
amex + mastercard
Mindesteinkommensanforderung
Keine Einkommensanforderung
Monatliches Ausgabenlimit
CHF 80,000
Zugang zu Flughafen-Lounges
Concierge-Service
Hauptmerkmale
- Two card set for the price of one
- Up to 15,000 Swiss francs coverage for travel and lodging costs
- Up to 400 CHF coverage for flight delays
- Up to 10,000 Swiss francs of emergency medical expenses covered for insured persons up to 80 years
- Multiple mobile payment options (Samsung Pay, Apple Pay, Google Pay, Garmin Pay)
Berechnen Sie, ob sich diese Karte für Sie lohnt
= CHF 30’000/year
Sie zahlen
CHF 700
pro Jahr
Sie erhalten
CHF 1’145
geschätzter Wert
Unterm Strich
+CHF 445
in Ihrer Tasche
Jährliche Berechnung:
CHF 30’000/yr × 1.2 miles/CHF × 1.5 ct
35’000 miles × 1.5 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 SWISS Miles & More Platinum?
- The SWISS Miles & More Platinum has a promotional first year fee of CHF 350, then CHF 700 per year afterwards.
- What are the foreign transaction fees for the SWISS Miles & More Platinum?
- The SWISS Miles & More Platinum charges a 2.5% foreign exchange fee on international transactions.
- What rewards does the SWISS Miles & More Platinum offer?
- The SWISS Miles & More Platinum offers miles rewards at a base rate of 1.2 per CHF spent.
- What insurance coverage does the SWISS Miles & More Platinum include?
- The SWISS Miles & More Platinum includes travel insurance up to CHF 15,000 and medical coverage up to CHF 10,000 abroad.
- Is the SWISS Miles & More Platinum compatible with Apple Pay?
- Yes, the SWISS Miles & More Platinum is fully compatible with Apple Pay for contactless mobile payments.
So haben wir diese Karte bewertet
Sie fragen sich, warum SWISS Miles & More Platinum diese Bewertung hat? Wir bewerten Reise (Miles)-Karten mit einer gewichteten Formel. Das zählt:
Gleiche Formel für jede Karte in dieser Kategorie. Keine Ausnahmen.
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