TKB Mastercard Silver

10,000 welcome points and CHF 10,000 trip insurance. Standard cantonal silver at TKB.

The Thurgauer Kantonalbank (TKB) Mastercard Silver offers the standard cantonal bank silver package: Surprize points, trip insurance, mobile payments. At CHF 100 annually, it provides reliable value for Thurgau residents who want banking integration with basic credit card benefits.

Is CHF 100 Worth It?

For TKB customers, it's competitive. 10,000 welcome points (worth roughly CHF 50) offset half the first-year cost. 1 Surprize point per CHF 1 spent builds ongoing rewards. CHF 20,000 annual spending = 20,000 points toward redemptions.

CHF 10,000 trip cancellation and CHF 7,500 trip interruption coverage add value. If you'd pay CHF 30-50 for standalone trip insurance, the card cost becomes reasonable. Standard cantonal bank value.

What Actually Stands Out

The banking integration with TKB is the differentiator. Unified account management, automatic statements, local customer service in Thurgau. For those who value regional banking relationships, the cantonal bank integration matters.

Apple Pay, Google Pay, Samsung Pay, and Garmin Pay all work. Additional cards cost CHF 25. The 1.75% FX fee is standard for cantonal cards.

What Most Reviews Miss

No medical coverage abroad. This is a silver card, so the absence isn't surprising, but international travelers need separate coverage for health emergencies. The trip insurance covers cancellation and interruption, not health.

The 1.75% FX fee is average, not competitive. Cards like Raiffeisen (1.5%) offer better rates for international spending.

The Bottom Line

A reliable silver card for TKB customers. Nothing exceptional, nothing missing. The welcome bonus and trip insurance add real value. Compare alternatives in our best credit cards in Switzerland guide.

Verdict: Good choice if you bank with TKB. Standard cantonal bank value with local service.