TCS Travel Mastercard GoldTCS
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Gold

TCS Travel Mastercard Gold

TCS

Valutazione Complessiva

3.7/5

Quota annuale

CHF 100

Circuito

Mastercard

Tipo di Premi

cashback

Bonus di benvenuto

5 % cash

Buona anche per

Cashback
Premium

Il Nostro Parere su TCS Travel Mastercard Gold

Il tuo compagno finanziario svizzero
Adrien Missioux
Adrien Missioux

2% cashback at travel merchants (SWISS, SBB, Airbnb) plus 1% everywhere else. The TCS upgrade.

The TCS Travel Mastercard Gold doubles the cashback at travel merchants while maintaining all the fuel and parking benefits. At CHF 100 annually, it's built for TCS members who spend heavily on travel. The catch: despite "Travel" in the name, no travel insurance is included.

Is CHF 100 Worth It?

For heavy travel spenders, often yes. 2% cashback at SWISS, Edelweiss, SBB, Mobility, Airbnb (versus 1% on free card). CHF 5,000 annual travel spending = CHF 100 back. That alone covers the fee. Plus 1% on all other spending (versus 0% on free card).

Combined with continued fuel discounts, parking cashback, and EV charging discounts, active TCS members extract significant value. The math works if you spend CHF 5,000+ at travel merchants annually.

What Actually Stands Out

The 2% travel cashback is competitive. Most cards offer 0.5-1% generally. This doubles the return on flights, trains, accommodation, and car rentals. The 1% on everything else means every purchase earns something.

All TCS mobility benefits continue: 5% EV charging discount, 20% parking cashback, fuel discounts, 10% rental car discount. Apple Pay, Google Pay work. Up to 3 additional cards at CHF 50.

What Most Reviews Miss

No travel insurance despite the name. This is unusual for a card targeting travelers. No medical coverage, no trip cancellation. If you need protection, you need separate insurance or a different card. The TCS Travel Gold is purely a cashback card.

The 1.5% FX fee is decent but not exceptional. For pure foreign spending optimization, cards like Cornèrcard (1.2%) beat this.

The Bottom Line

Enhanced cashback for TCS members who spend heavily on travel. The 2% rate at travel merchants is competitive. The lack of insurance is the main disappointment. Compare alternatives in our best travel credit cards in Switzerland guide.

Verdict: Worth upgrading from free TCS card if you spend CHF 5,000+ at travel merchants annually. Separate insurance needed.

Ideale per: TCS members with heavy SWISS, SBB, or Airbnb spending, travelers who already have separate travel insurance coverage, those who want enhanced cashback on mobility and general spending
Considera alternative se: you're not a TCS member (required for this card), you want travel insurance included (not offered despite the name), your travel spending doesn't exceed CHF 5,000 annually (free card may suffice)

PRO

  • Low foreign exchange fee of 1.5%
  • 5 welcome bonus points
  • Apple Pay compatible
  • Contactless payments for convenient transactions
  • 2% cashback at select merchants (SWISS, Edelweiss, SBB, Mobility, Airbnb)
  • Up to 5 centimes savings per liter at over 900 filling stations
  • 5% discount at over 382,000 charging points with TCS eCharge app

CONTRO

  • No travel insurance
  • No medical coverage
  • No airport lounge access
  • No concierge service

Dettagli della carta

In sintesi

Quota annuale

CHF 100

Tasso premi

1% cashback

Comm. FX

1.5%

Bonus di benvenuto

5 % cash

Apple Pay
Pagamenti contactless
Mastercard

Commissioni e Costi

Quota annuale primo anno

CHF 100

Quota annuale (dopo il primo anno)

CHF 100

Commissione valuta estera

1.5%

Prelievo Contanti (Nazionale)

3.75% (min CHF 10)

Prelievo Contanti (Internazionale)

1.5%

Commissione Ritardo Pagamento

CHF 30

Carte aggiuntive

CHF 50/carta/anno • Fino a 3 carte

Programma Premi

Tipo di premi

cashback

Tasso premi base

1 %

Bonus di benvenuto

5 % cash

Earn 1% cashback on all purchases

Assicurazione e Protezione

Copertura assicurativa viaggio

Nessuna assicurazione viaggio

Copertura assicurativa medica

Nessuna copertura medica

Protezione degli acquisti

Nessuna protezione acquisti

Caratteristiche della Carta

Circuito della Carta

Mastercard

Tipo di Carta

Gold

Valuta

CHF

Requisito di reddito minimo

Nessun requisito di reddito

Limite di spesa mensile

CHF 20,000

Accesso alle lounge aeroportuali

Servizio di concierge

Caratteristiche Principali

  • 2% cashback at select merchants (SWISS, Edelweiss, SBB, Mobility, Airbnb)
  • Up to 5 centimes savings per liter at over 900 filling stations
  • 5% discount at over 382,000 charging points with TCS eCharge app
  • 20% cashback
  • Customizable card design for CHF 30

Calcola se questa carta ne vale la pena per te

CHF 2’500/mo

= CHF 30’000/year

Paghi

CHF 100

all'anno

Ricevi

CHF 305

valore stimato

In sintesi

+CHF 205

in tasca

Calcolo annuale:

Premi guadagnatiCHF 300

CHF 30’000/yr × 1%

Bonus di benvenuto (1° anno)CHF 5
Totale beneficiCHF 305
Quota annuale- CHF 100
Valore netto+CHF 205

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

Valutazione per Categoria

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Confronta con altre carte

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Swisscard American Express Card

Swisscard

3.8
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TCS Travel Mastercard Gold

TCS Travel Mastercard Gold

TCS

3.7
Richiedi ora
Quota annualeCHF 140
Quota annualeCHF 100
Tasso premi0.5 points/CHF
Tasso premi1% cashback
Bonus di benvenuto-
Bonus di benvenuto5% cash

Domande frequenti

What is the annual fee for the TCS Travel Mastercard Gold?
The TCS Travel Mastercard Gold has an annual fee of CHF 100.
What are the foreign transaction fees for the TCS Travel Mastercard Gold?
The TCS Travel Mastercard Gold charges a 1.5% foreign exchange fee on international transactions.
What rewards does the TCS Travel Mastercard Gold offer?
The TCS Travel Mastercard Gold offers cashback rewards at a base rate of 1 per CHF spent.
Is the TCS Travel Mastercard Gold compatible with Apple Pay?
Yes, the TCS Travel Mastercard Gold is fully compatible with Apple Pay for contactless mobile payments.

Come abbiamo valutato questa carta

Ti chiedi perché TCS Travel Mastercard Gold ha questo punteggio? Valutiamo le carte Shopping con una formula ponderata. Ecco cosa conta:

Voucher & Sconti (60%)
Tasso di cashback (20%)
Soddisfazione cliente (10%)
Rapporto qualità-prezzo (10%)

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

Vedi la nostra metodologia completa

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