Swisscard American Express Platinum CardSwisscard
Luxury
Platinum

Swisscard American Express Platinum Card

Swisscard

Valutazione Complessiva

5.0/5

Quota annuale

CHF 900

1° anno: CHF 450

Circuito

American Express

Tipo di Premi

Points

Bonus di benvenuto

75,000 points

Buona anche per

Cashback
Premium
Viaggio (miles)

Il Nostro Parere su Swisscard American Express Platinum Card

Il tuo compagno finanziario svizzero
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.

Ideale per: 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
Considera alternative se: 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

PRO

  • 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

CONTRO

  • High annual fee (CHF 900)

Dettagli della carta

In sintesi

Quota annuale

CHF 900

1° anno

CHF 450

Tasso premi

1 punti/CHF

Comm. FX

1.75%

Bonus di benvenuto

75,000 points

Copertura assicurativa viaggio

CHF 30,000

Apple Pay
Pagamenti contactless
Accesso alle lounge aeroportuali
Servizio di concierge
American Express

Commissioni e Costi

Quota annuale primo anno

CHF 450

Quota annuale (dopo il primo anno)

CHF 900

Commissione valuta estera

1.75%

Prelievo Contanti (Nazionale)

4% (min CHF 10)

Prelievo Contanti (Internazionale)

5.75% (min CHF 10)

Commissione Ritardo Pagamento

CHF 30

Carte aggiuntive

5 carte aggiuntive gratuite • CHF 450/carta/anno (oltre)

Programma Premi

Tipo di premi

Points

Tasso premi base

1 / CHF

Bonus di benvenuto

75,000 points

Assicurazione e Protezione

Copertura assicurativa viaggio

CHF 30,000

Copertura assicurativa medica

CHF 3,000,000

Protezione degli acquisti

CHF 3,000

Caratteristiche della Carta

Circuito della Carta

American Express

Tipo di Carta

Platinum

Valuta

CHF, USD, EUR

Requisito di reddito minimo

CHF 120,000

Limite di spesa mensile

-

Accesso alle lounge aeroportuali

Accesso alle lounge aeroportuali disponibile

Servizio di concierge

Servizio concierge 24/7 incluso

Caratteristiche Principali

  • 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

Calcola se questa carta ne vale la pena per te

CHF 2’500/mo

= CHF 30’000/year

Paghi

CHF 900

all'anno

Ricevi

CHF 1’400

valore stimato

In sintesi

+CHF 500

in tasca

Calcolo annuale:

Premi guadagnatiCHF 300

CHF 30’000/yr × 1 points/CHF × 1 ct

Bonus di benvenuto (1° anno)≈ CHF 750

75’000 points × 1 ct

Assicurazione viaggio e salute≈ CHF 280
Accesso alle lounge≈ CHF 70
Totale beneficiCHF 1’400
Quota annuale- CHF 900
Valore netto+CHF 500

Sposta il cursore per vedere il valore. Miles: 1,5 ct, punti: 1 ct.

Valutazione per Categoria

Cashback

116 cards

3.4
#36/ 116

Top 31%

#116#1
Vedi le migliori carte
TOP 1

Lusso

11 cards

6.0
#1/ 11

Top 9%

#11#1
Vedi le migliori carte

Premium

122 cards

3.2
#33/ 122

Top 27%

#122#1
Vedi le migliori carte
TOP 3

Viaggio (miles)

45 cards

3.3
#3/ 45

Top 7%

#45#1
Vedi le migliori carte

Confronta con altre carte

Swisscard American Express Platinum Card

Swisscard American Express Platinum Card

Swisscard

5.0
Richiedi ora
Cornèrcard Miles & More Package deal Platinum

Cornèrcard Miles & More Package deal Platinum

Cornèrcard

5.0
Richiedi ora
Quota annualeCHF 900
Quota annualeCHF 750
Tasso premi1 points/CHF
Tasso premi0.6 miles/CHF
Bonus di benvenuto75000 points
Bonus di benvenuto60000 miles

Domande frequenti

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.

Come abbiamo valutato questa carta

Ti chiedi perché Swisscard American Express Platinum Card ha questo punteggio? Valutiamo le carte Lusso con una formula ponderata. Ecco cosa conta:

Servizio concierge (35%)
Accesso lounge (25%)
Copertura assicurativa (20%)
Prestigio (15%)
Soddisfazione cliente (5%)

Stessa formula per ogni carta in questa categoria. Senza eccezioni.

Vedi la nostra metodologia completa

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