TKB Mastercard Silver
TKB
Overall Rating
Annual fee
CHF 100
Network
Mastercard
Rewards Type
Points
Welcome bonus
10,000 points
Also good for
Our Take on 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. Also available on the other network: TKB Visa Silver.
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. Compare insurance packages across Swiss cards in our credit card insurance guide.
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. This card is also available on Visa with identical benefits.
Verdict: Good choice if you bank with TKB. Standard cantonal bank value with local service.
PROS
- 10000 welcome bonus points
- Travel insurance coverage up to CHF 10,000
- Apple Pay compatible
- Contactless payments for convenient transactions
- 1 welcome bonus points
- Travel insurance coverage up to CHF 10000
- Comprehensive insurance package with 11 coverage types
CONS
- No medical coverage
- No airport lounge access
- No concierge service
Card Details
At a Glance
Annual fee
CHF 100
Rewards rate
1 points/CHF
FX Fee
1.75%
Welcome bonus
10,000 points
Travel insurance coverage
CHF 10'000
Fees & Costs
Fees & Costs
First year annual fee
CHF 100
Annual fee (after first year)
CHF 100
Foreign exchange fee
1.75%
Cash Withdrawal (Domestic)
4% (min CHF 10)
Cash Withdrawal (International)
5.75% (min CHF 10)
Late Payment Fee
CHF 20
Additional Cards
CHF 25/card/year • Up to 2 cards
Rewards Program
Rewards Program
Rewards type
Points
Base rewards rate
1 / CHF
Welcome bonus
10,000 points
Insurance & Protection
Insurance & Protection
Travel insurance coverage
CHF 10'000
Medical insurance coverage
No medical coverage
Purchase protection
CHF 1'000
Card Features
Card Features
Card Network
Mastercard
Card Type
Standard
Currency
CHF
Minimum income requirement
No income requirement
Monthly spending limit
CHF 10'000
Airport lounge access
Concierge service
Key Features
- 1 welcome bonus points
- Travel insurance coverage up to CHF 10000
- Comprehensive insurance package with 11 coverage types
- Multiple mobile payment options
- No annual fee
Calculate If This Card Is Worth It for You
= CHF 30'000/year
You Pay
CHF 100
per year
You Get Back
CHF 480
estimated value
Bottom Line
+CHF 380
in your pocket
Annual calculation:
CHF 30'000/yr × 1 points/CHF × 1 ct
10'000 points × 1 ct
Move the slider to see how your spending affects the card's value. Miles: 1.5 ct, points: 1 ct.
Rating by Category
Compare to Other Cards
Frequently Asked Questions
- Is there a spending cap on the TKB Mastercard Silver?
- CHF 10,000 per month, enough for everyday cashback use but tight if you put a Galaxus laptop and a holiday rental on the same statement. The cap auto-resets each cycle.
- What's the late-payment penalty?
- CHF 20, slightly under the cashback-segment average of CHF 22 and well under the CHF 30 most issuers charge. Combined with no income proof, TKB Silver behaves more like a bank-relationship card than a credit-pricing one.
- Can I add cards for my family?
- Up to 2 additional cards at CHF 25 each, billed on a single combined statement. So a couple gets two cards on one bill for CHF 25 in supp fees a year, which is reasonable. Three teenagers? You'll hit the cap.
How We Rated This Card
Wondering why TKB Mastercard Silver got its score? We rate Cashback cards using a weighted formula. Here's what counts:
Same formula for every card in this category. No exceptions.
See our full rating methodologyReady to Apply?
Apply for the TKB Mastercard Silver today and start enjoying its benefits.