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Il Nostro Parere su 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.
PRO
- 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
CONTRO
- No medical coverage
- No airport lounge access
- No concierge service
Dettagli della carta
In sintesi
Quota annuale
CHF 100
Tasso premi
1 punti/CHF
Comm. FX
1.75%
Bonus di benvenuto
10,000 points
Copertura assicurativa viaggio
CHF 10'000
Commissioni e Costi
Commissioni e Costi
Quota annuale primo anno
CHF 100
Quota annuale (dopo il primo anno)
CHF 100
Commissione valuta estera
1.75%
Prelievo Contanti (Nazionale)
4% (min CHF 10)
Prelievo Contanti (Internazionale)
5.75% (min CHF 10)
Commissione Ritardo Pagamento
CHF 20
Carte aggiuntive
CHF 25/carta/anno • Fino a 2 carte
Programma Premi
Programma Premi
Tipo di premi
Points
Tasso premi base
1 / CHF
Bonus di benvenuto
10,000 points
Assicurazione e Protezione
Assicurazione e Protezione
Copertura assicurativa viaggio
CHF 10'000
Copertura assicurativa medica
Nessuna copertura medica
Protezione degli acquisti
CHF 1'000
Caratteristiche della Carta
Caratteristiche della Carta
Circuito della Carta
Mastercard
Tipo di Carta
Standard
Valuta
CHF
Requisito di reddito minimo
Nessun requisito di reddito
Limite di spesa mensile
CHF 10'000
Accesso alle lounge aeroportuali
Servizio di concierge
Caratteristiche Principali
- 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
Calcola se questa carta ne vale la pena per te
= CHF 30'000/year
Paghi
CHF 100
all'anno
Ricevi
CHF 480
valore stimato
In sintesi
+CHF 380
in tasca
Calcolo annuale:
CHF 30'000/yr × 1 points/CHF × 1 ct
10'000 points × 1 ct
Sposta il cursore per vedere il valore. Miles: 1,5 ct, punti: 1 ct.
Valutazione per Categoria
Confronta con altre carte
Domande frequenti
- 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.
Come abbiamo valutato questa carta
Ti chiedi perché TKB Mastercard Silver ha questo punteggio? Valutiamo le carte Cashback con una formula ponderata. Ecco cosa conta:
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