Also good for

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.
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.
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.
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.
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.
At a Glance
Annual fee
CHF 100
Rewards rate
1% cashback
FX Fee
1.5%
Welcome bonus
5 % cash
First year annual fee
CHF 100
Annual fee (after first year)
CHF 100
Foreign exchange fee
1.5%
Cash Withdrawal (Domestic)
3.75% (min CHF 10)
Cash Withdrawal (International)
1.5%
Late Payment Fee
CHF 30
Additional Cards
CHF 50/card/year • Up to 3 cards
Rewards type
cashback
Base rewards rate
1 %
Welcome bonus
5 % cash
Earn 1% cashback on all purchases
Travel insurance coverage
No travel insurance
Medical insurance coverage
No medical coverage
Purchase protection
No purchase protection
Card Network
Mastercard
Card Type
Gold
Currency
CHF
Minimum income requirement
No income requirement
Monthly spending limit
CHF 20,000
Airport lounge access
Concierge service
= CHF 30’000/year
You Pay
CHF 100
per year
You Get Back
CHF 305
estimated value
Bottom Line
+CHF 205
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.
Wondering why TCS Travel Mastercard Gold 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 methodologyApply for the TCS Travel Mastercard Gold today and start enjoying its benefits.