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.