Également bon pour
Notre Avis sur 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.
AVANTAGES
- 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
INCONVÉNIENTS
- No travel insurance
- No medical coverage
- No airport lounge access
- No concierge service
Détails de la carte
En un coup d'œil
Frais annuels
CHF 100
Taux de récompense
1% cashback
Frais FX
1.5%
Bonus de bienvenue
5 % cash
Frais & Coûts
Frais & Coûts
Frais annuels la première année
CHF 100
Frais annuels (après la première année)
CHF 100
Frais de change
1.5%
Retrait d'Espèces (National)
3.75% (min CHF 10)
Retrait d'Espèces (International)
1.5%
Frais de Retard
CHF 30
Cartes supplémentaires
CHF 50/carte/an • Jusqu'à 3 cartes
Programme de Récompenses
Programme de Récompenses
Type de récompense
cashback
Taux de récompense de base
1 %
Bonus de bienvenue
5 % cash
Earn 1% cashback on all purchases
Assurance & Protection
Assurance & Protection
Couverture d'assurance voyage
Pas d'assurance voyage
Couverture d'assurance médicale
Pas de couverture médicale
Protection des achats
Pas de protection des achats
Caractéristiques de la Carte
Caractéristiques de la Carte
Réseau de la Carte
Mastercard
Type de Carte
Gold
Devise
CHF
Revenu minimum requis
Aucune exigence de revenu
Limite de dépenses mensuelles
CHF 20,000
Accès aux salons d'aéroport
Service de conciergerie
Caractéristiques Principales
- 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
Calculez si cette carte en vaut la peine pour vous
= CHF 30’000/year
Vous payez
CHF 100
par an
Vous recevez
CHF 305
valeur estimée
Bilan
+CHF 205
dans votre poche
Calcul annuel :
CHF 30’000/yr × 1%
Déplacez le curseur pour voir la valeur. Miles: 1,5 ct, points: 1 ct.
Note par Catégorie
Comparer avec d'autres cartes
Questions fréquemment posées
- 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.
Comment nous avons noté cette carte
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