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Our Take on TCS Member Mastercard
Free card with 1% cashback at SWISS, SBB, Airbnb, and more. Plus fuel discounts at 900+ stations.
The TCS Member Mastercard rewards mobility spending for TCS members with a free card. You get 1% cashback at major travel merchants, fuel discounts at 900+ Swiss stations, EV charging discounts, and parking cashback. For active travelers and drivers who are already TCS members, this is a no-brainer addition.
Is It Worth Getting?
For TCS members who travel, absolutely. The card is completely free. 1% cashback at SWISS, Edelweiss, SBB, Mobility, and Airbnb turns everyday travel spending into returns. CHF 3,000 annual travel spending = CHF 30 back.
Fuel discounts of 2-5 centimes per liter at participating stations. Fill up 50 times per year at 40 liters = 2,000 liters. At 3 centimes average = CHF 60 annual savings. The benefits stack meaningfully for active drivers.
What Actually Stands Out
The mobility ecosystem integration is the differentiator. 5% discount at 382,000+ EV charging points via TCS eCharge app. 20% parking cashback with TCS Park & Pay. 10% on TCS rental cars. These aren't generic benefits; they're targeted at people who drive and travel in Switzerland.
Apple Pay, Google Pay, Samsung Pay, and Garmin Pay all work. 1.5% FX fee is better than average. Up to 3 additional cards free for household members.
What Most Reviews Miss
You must already be a TCS member to get this card. TCS membership costs CHF 89-159 annually depending on level. If you're not a member, the card doesn't work standalone. Evaluate the combined cost/benefit.
No travel insurance included. This is a cashback card, not a protection card. If you need medical coverage or trip insurance, you'll need separate coverage or a different card.
The Bottom Line
An excellent free card for TCS members who travel and drive. The cashback categories are well-chosen for Swiss mobility spending. If you're already a TCS member, this adds significant value at zero cost. Compare alternatives in our best cashback credit cards in Switzerland guide.
Verdict: Must-have for TCS members who use SWISS, SBB, or drive regularly. Zero downside at zero cost.
PROS
- No annual fee
- Low foreign exchange fee of 1.5%
- 1 welcome bonus points
- Apple Pay compatible
- Contactless payments for convenient transactions
- 1% cashback
- 5% discount at over 382,000 charging points in Switzerland and Europe using the TCS eCharge app
- 20% cashback
CONS
- No travel insurance
- No medical coverage
- No airport lounge access
- No concierge service
Card Details
At a Glance
Annual fee
Free
Rewards rate
1% cashback
FX Fee
1.5%
Welcome bonus
1 % cash
Fees & Costs
Fees & Costs
First year annual fee
No annual fee
Annual fee (after first year)
No annual fee
Foreign exchange fee
1.5%
Cash Withdrawal (Domestic)
3.75% (min CHF 10)
Cash Withdrawal (International)
5.25% (min CHF 10)
Late Payment Fee
CHF 30
Additional Cards
3 free additional cards
Rewards Program
Rewards Program
Rewards type
cashback
Base rewards rate
1 %
Welcome bonus
1 % cash
Earn 1% cashback on all purchases
Insurance & Protection
Insurance & Protection
Travel insurance coverage
No travel insurance
Medical insurance coverage
No medical coverage
Purchase protection
No purchase protection
Card Features
Card Features
Card Network
Mastercard
Card Type
Standard
Currency
CHF
Minimum income requirement
No income requirement
Monthly spending limit
CHF 20'000
Airport lounge access
Concierge service
Key Features
- 1% cashback
- 5% discount at over 382,000 charging points in Switzerland and Europe using the TCS eCharge app
- 20% cashback
- Customizable card design for CHF 30
- Up to 5 centimes savings per liter at over 900 filling stations throughout Switzerland
Calculate If This Card Is Worth It for You
= CHF 30'000/year
You Pay
CHF 0
per year
You Get Back
CHF 301
estimated value
Bottom Line
+CHF 301
in your pocket
Annual calculation:
CHF 30'000/yr × 1%
Move the slider to see how your spending affects the card's value. Miles: 1.5 ct, points: 1 ct.
Rating by Category
Compare to Other Cards
Frequently Asked Questions
- Do I need to be a TCS member to use this card?
- Yes, TCS membership is mandatory. Membership runs from CHF 64 a year for the basic Touring class up to CHF 144 for full roadside assistance. Budget that on top of any card-related costs before crunching the numbers.
- How many additional cards can I add?
- Up to 3, free of charge, for members of the same household. Most shopping cards charge CHF 30-50 per supp, so this is a clear win for couples or small families. The shared address requirement is enforced.
- Where does the up-to-5-cents-per-liter fuel discount actually apply?
- At BP and Tamoil (4-5 cents off) and Ruedi Rüssl and Miniprix (2-3 cents off), across roughly 900 stations Switzerland-wide. Top off there instead of Migrol on principle, and you'll claw back CHF 50-80 a year on a 15,000 km commute.
- Which Swiss merchants pay extra cashback on the TCS Member?
- 1% cashback at SWISS, Edelweiss, SBB, Mobility, and Airbnb. So an SBB GA renewal or a Mobility weekend rental earns the bonus. Buying a flight on a non-SWISS code-share doesn't qualify.
How We Rated This Card
Wondering why TCS Member Mastercard got its score? We rate Shopping cards using a weighted formula. Here's what counts:
Same formula for every card in this category. No exceptions.
See our full rating methodologyReady to Apply?
Apply for the TCS Member Mastercard today and start enjoying its benefits.