Swisscard American Express Platinum CardSwisscard
Luxury
Platinum

Swisscard American Express Platinum Card

Swisscard

Overall Rating

5.0/5

Annual fee

CHF 900

1st year: CHF 450

Network

American Express

Rewards Type

Points

Welcome bonus

75,000 points

Also good for

Cashback
Premium
Travel (miles)

Our Take on Swisscard American Express Platinum Card

Your Swiss Finance Companion
Adrien Missioux
Adrien Missioux

This card offers CHF 3,000,000 in medical coverage abroad. Most Swiss cards cap out at CHF 250,000.

The Swisscard American Express Platinum Card ranks #1 among Switzerland's 11 luxury credit cards. It's the heavyweight champion for travelers who want unlimited lounge access, a real concierge service, and insurance coverage that actually means something. But that CHF 900 annual fee demands serious consideration.

Is CHF 900 Worth It?

Let's do the math honestly. The Priority Pass Prestige membership alone costs CHF 400+ if purchased separately. The medical coverage (CHF 3,000,000) would run you CHF 300+ as standalone travel insurance for a year. Add the 75,000 welcome points (worth roughly CHF 750 in redemptions) and you're already ahead in year one.

The concierge service handles restaurant reservations, event tickets, and travel planning. After testing it for six months, I found it genuinely useful for hard-to-book restaurants in Zurich. Whether that's worth paying for depends on how often you'd actually use it.

What Actually Stands Out

The CHF 3,000,000 medical coverage is exceptional. Most Swiss cards offer CHF 250,000 to CHF 500,000. If you're trekking in Nepal or driving through the American Southwest, this is the coverage level that actually protects you from financial disaster.

The Membership Rewards program offers solid flexibility. You can transfer points to Miles & More, transfer to hotel programs, or redeem for statement credits. Not as lucrative as dedicated airline cards, but more versatile.

What Most Reviews Miss

Amex acceptance in Switzerland is still patchy. In my experience, about 30% of smaller restaurants, shops, and mountain huts don't take it. You'll need a backup Visa or Mastercard for those moments. That's frustrating when you want all spending on one card for points.

The 1.75% foreign exchange fee is disappointing for a luxury card. Competitors like Cornèrcard charge 1.2%. On CHF 10,000 in annual foreign spending, that's CHF 55 extra you're paying. The insurance and lounges are great, but they're subsidized partly by this fee.

The Bottom Line

If you travel frequently and want the peace of mind that comes with exceptional insurance coverage and unlimited lounge access, this card delivers. The concierge service adds genuine value for busy professionals. Check our best luxury credit cards in Switzerland comparison to see how it stacks up against alternatives.

Verdict: Worth it for frequent travelers who can use the benefits. Keep a Visa backup for the Amex acceptance gaps.

Best For: frequent international travelers who want exceptional medical coverage, business travelers who'll use the concierge and lounge access regularly, anyone willing to carry a backup card for Amex acceptance gaps
Consider Alternatives If: you travel internationally less than 4 times per year, you want one card that works everywhere in Switzerland, you're sensitive to foreign exchange fees on international purchases

PROS

  • 75000 welcome bonus points
  • Travel insurance coverage up to CHF 30,000
  • Up to CHF 3,000,000 coverage for medical expenses
  • Airport lounge access
  • Concierge service
  • Apple Pay compatible
  • Contactless payments for convenient transactions
  • 75000 welcome bonus Membership Rewards points

CONS

  • High annual fee (CHF 900)

Card Details

At a Glance

Annual fee

CHF 900

1st Year

CHF 450

Rewards rate

1 points/CHF

FX Fee

1.75%

Welcome bonus

75,000 points

Travel insurance coverage

CHF 30,000

Apple Pay
Contactless payments
Airport lounge access
Concierge service
American Express

Fees & Costs

First year annual fee

CHF 450

Annual fee (after first year)

CHF 900

Foreign exchange fee

1.75%

Cash Withdrawal (Domestic)

4% (min CHF 10)

Cash Withdrawal (International)

5.75% (min CHF 10)

Late Payment Fee

CHF 30

Additional Cards

5 free additional cards • CHF 450/card/year (beyond free)

Rewards Program

Rewards type

Points

Base rewards rate

1 / CHF

Welcome bonus

75,000 points

Insurance & Protection

Travel insurance coverage

CHF 30,000

Medical insurance coverage

CHF 3,000,000

Purchase protection

CHF 3,000

Card Features

Card Network

American Express

Card Type

Platinum

Currency

CHF, USD, EUR

Minimum income requirement

CHF 120,000

Monthly spending limit

-

Airport lounge access

Airport lounge access available

Concierge service

24/7 concierge service included

Key Features

  • 75000 welcome bonus Membership Rewards points
  • Unlimited lounge access with Priority Pass Prestige membership
  • Comprehensive travel insurance covering up to 3000000 CHF
  • Concierge service
  • 1.75% foreign transaction fee for cards in CHF

Calculate If This Card Is Worth It for You

CHF 2’500/mo

= CHF 30’000/year

You Pay

CHF 900

per year

You Get Back

CHF 1’400

estimated value

Bottom Line

+CHF 500

in your pocket

Annual calculation:

Rewards earnedCHF 300

CHF 30’000/yr × 1 points/CHF × 1 ct

Welcome bonus (1st year)≈ CHF 750

75’000 points × 1 ct

Travel & medical insurance≈ CHF 280
Airport lounge access≈ CHF 70
Total benefitsCHF 1’400
Annual fee- CHF 900
Net value+CHF 500

Move the slider to see how your spending affects the card's value. Miles: 1.5 ct, points: 1 ct.

Rating by Category

Cashback

116 cards

3.4
#36/ 116

Top 31%

#116#1
View top cards
TOP 1

Luxury

11 cards

6.0
#1/ 11

Top 9%

#11#1
View top cards

Premium

122 cards

3.2
#33/ 122

Top 27%

#122#1
View top cards
TOP 3

Travel (miles)

45 cards

3.3
#3/ 45

Top 7%

#45#1
View top cards

Compare to Other Cards

Swisscard American Express Platinum Card

Swisscard American Express Platinum Card

Swisscard

5.0
Apply now
Cornèrcard Miles & More Package deal Platinum

Cornèrcard Miles & More Package deal Platinum

Cornèrcard

5.0
Apply now
Annual feeCHF 900
Annual feeCHF 750
Rewards rate1 points/CHF
Rewards rate0.6 miles/CHF
Welcome bonus75000 points
Welcome bonus60000 miles

Frequently Asked Questions

What is the annual fee for the Swisscard American Express Platinum Card?
The Swisscard American Express Platinum Card has a promotional first year fee of CHF 450, then CHF 900 per year afterwards.
What are the foreign transaction fees for the Swisscard American Express Platinum Card?
The Swisscard American Express Platinum Card charges a 1.75% foreign exchange fee on international transactions.
What rewards does the Swisscard American Express Platinum Card offer?
The Swisscard American Express Platinum Card offers points rewards at a base rate of 1 per CHF spent.
What insurance coverage does the Swisscard American Express Platinum Card include?
The Swisscard American Express Platinum Card includes travel insurance up to CHF 30,000 and medical coverage up to CHF 3,000,000 abroad.
Does the Swisscard American Express Platinum Card include airport lounge access?
Yes, the Swisscard American Express Platinum Card includes airport lounge access through Priority Pass or partner programs.
Is the Swisscard American Express Platinum Card compatible with Apple Pay?
Yes, the Swisscard American Express Platinum Card is fully compatible with Apple Pay for contactless mobile payments.

How We Rated This Card

Wondering why Swisscard American Express Platinum Card got its score? We rate Luxury cards using a weighted formula. Here's what counts:

Concierge Service (35%)
Lounge Access (25%)
Insurance Coverage (20%)
Prestige (15%)
Customer Satisfaction (5%)

Same formula for every card in this category. No exceptions.

See our full rating methodology

Ready to Apply?

Apply for the Swisscard American Express Platinum Card today and start enjoying its benefits.