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Il Nostro Parere su TKB Visa Silver
Thurgau's standard cantonal bank silver card. 10,000 welcome points, solid trip insurance.
The TKB Visa Silver delivers the standard silver package from Thurgauer Kantonalbank: trip insurance, Surprize points, and mobile payments. TKB provides matching benefits on their Mastercard Silver with identical terms. At CHF 100 annually, the 10,000 welcome points and trip coverage offer reasonable value for Thurgau residents who prefer banking locally. See also the TKB Mastercard Silver.
Is CHF 100 Worth It?
The welcome bonus softens the first year. 10,000 Surprize points (worth roughly CHF 50) effectively cut your initial cost in half. 1 Surprize point per CHF 1 spent continues earning after that.
CHF 10,000 trip cancellation and CHF 7,500 trip interruption carry CHF 30-50 in standalone insurance value. If you travel even a couple of times per year and bank with TKB, the coverage and rewards together make CHF 100 defensible.
What Actually Stands Out
TKB banking integration is the main differentiator. Consolidated account management, local Thurgau customer service, and unified statements make this card a natural extension of your existing banking relationship.
Apple Pay, Google Pay, Samsung Pay, and Garmin Pay all work out of the box. Additional cards cost CHF 25. The Surprize rewards program gives you flexible redemption options across a range of partners and categories.
What Most Reviews Miss
No medical coverage abroad. Silver cards rarely include it, but international travelers should plan accordingly. Trip insurance covers cancellations and delays, not hospital visits. You need separate health coverage for any international trip.
The 1.75% FX fee is standard but not competitive. Raiffeisen's silver cards charge 1.5%, saving you CHF 2.50 per CHF 1,000 in foreign spending. If you regularly shop in euros or travel abroad, that difference matters over time. Our exchange rates guide has the full comparison.
The Bottom Line
A reliable silver card for TKB customers in Thurgau. Nothing extraordinary, but the trip insurance and welcome points provide practical value within a local banking relationship. Compare alternatives in our best credit cards in Switzerland guide.
Verdict: Makes sense if you bank with TKB. The cantonal integration and trip coverage justify CHF 100 for Thurgau residents who want everything under one roof.
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
- Multiple mobile payment options (Samsung Pay, Apple Pay, Google Pay, Garmin Pay)
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
Visa
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
- Multiple mobile payment options (Samsung Pay, Apple Pay, Google Pay, Garmin Pay)
- 24-hour service for customer support
- Comprehensive insurance with 11 types of coverage
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
- Should I pick the TKB Mastercard Silver or the Visa Silver?
- Almost identical pricing (CHF 25 supp, 1.75% FX, CHF 20 late, 10,000 welcome points). Pick Visa for slightly broader Swiss merchant acceptance, Mastercard for international travel where Visa surcharges have crept in for some Asian markets.
- What are the 10,000 welcome points worth?
- Roughly CHF 50 in vouchers depending on the partner you redeem with. They post after the activation conditions are met. Useful for new TKB customers who weren't already getting promotional pricing through bank-relationship offers.
- Why does TKB cap supplementary cards at 2?
- It's a regional-bank operational choice, not a regulatory one. So a household with three drivers will need to look elsewhere or get the second person their own primary card. Same statement applies for the two issued.
Come abbiamo valutato questa carta
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