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Il Nostro Parere su TCS Travel Mastercard Gold
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.
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
Commissioni e Costi
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
Programma Premi
Tipo di premi
cashback
Tasso premi base
1 %
Bonus di benvenuto
5 % cash
Earn 1% cashback on all purchases
Assicurazione e Protezione
Assicurazione e Protezione
Copertura assicurativa viaggio
Nessuna assicurazione viaggio
Copertura assicurativa medica
Nessuna copertura medica
Protezione degli acquisti
Nessuna protezione acquisti
Caratteristiche della Carta
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 30’000/year
Paghi
CHF 100
all'anno
Ricevi
CHF 305
valore stimato
In sintesi
+CHF 205
in tasca
Calcolo annuale:
CHF 30’000/yr × 1%
Sposta il cursore per vedere il valore. Miles: 1,5 ct, punti: 1 ct.
Valutazione per Categoria
Confronta con altre carte
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.
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