Auch gut für
Unsere Einschätzung zur 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.
VORTEILE
- 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
NACHTEILE
- No medical coverage
- No airport lounge access
- No concierge service
Kartendetails
Auf einen Blick
Jahresgebühr
CHF 100
Prämiensatz
1 Punkte/CHF
FX-Gebühr
1.75%
Willkommensbonus
10,000 points
Reiseversicherungsschutz
CHF 10'000
Gebühren & Kosten
Gebühren & Kosten
Jahresgebühr im ersten Jahr
CHF 100
Jahresgebühr (nach dem ersten Jahr)
CHF 100
Fremdwährungsgebühr
1.75%
Bargeldabhebung (Inland)
4% (min CHF 10)
Bargeldabhebung (Ausland)
5.75% (min CHF 10)
Verzugsgebühr
CHF 20
Zusatzkarten
CHF 25/Karte/Jahr • Bis zu 2 Karten
Prämienprogramm
Prämienprogramm
Prämientyp
Points
Basis-Prämiensatz
1 / CHF
Willkommensbonus
10,000 points
Versicherung & Schutz
Versicherung & Schutz
Reiseversicherungsschutz
CHF 10'000
Krankenversicherungsschutz
Keine medizinische Versorgung
Kaufschutz
CHF 1'000
Kartenmerkmale
Kartenmerkmale
Kartennetzwerk
Mastercard
Kartentyp
Standard
Währung
CHF
Mindesteinkommensanforderung
Keine Einkommensanforderung
Monatliches Ausgabenlimit
CHF 10'000
Zugang zu Flughafen-Lounges
Concierge-Service
Hauptmerkmale
- 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
Berechnen Sie, ob sich diese Karte für Sie lohnt
= CHF 30'000/year
Sie zahlen
CHF 100
pro Jahr
Sie erhalten
CHF 480
geschätzter Wert
Unterm Strich
+CHF 380
in Ihrer Tasche
Jährliche Berechnung:
CHF 30'000/yr × 1 points/CHF × 1 ct
10'000 points × 1 ct
Verschieben Sie den Regler, um den Kartenwert zu sehen. Meilen: 1,5 Rp., Punkte: 1 Rp.
Bewertung nach Kategorie
Mit anderen Karten vergleichen
Häufig gestellte Fragen
- 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.
So haben wir diese Karte bewertet
Sie fragen sich, warum TKB Mastercard Silver diese Bewertung hat? Wir bewerten Cashback-Karten mit einer gewichteten Formel. Das zählt:
Gleiche Formel für jede Karte in dieser Kategorie. Keine Ausnahmen.
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