TKB Visa SilverTKB
Cashback
Standard

TKB Visa Silver

TKB

Overall Rating

3.3/5

Annual fee

CHF 100

Network

Visa

Rewards Type

Points

Welcome bonus

10,000 points

Also good for

Premium

Our Take on TKB Visa Silver

Your Swiss Finance Companion
Adrien Missioux
Adrien Missioux

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.

Best For: TKB customers who want credit card and banking integration in Thurgau, those who prefer Visa network for their cantonal bank silver card, occasional travelers who benefit from trip cancellation and interruption coverage
Consider Alternatives If: you don't bank with TKB (other cantonal banks may fit better), you need medical coverage abroad (not included at silver tier), you want the lowest FX fees for international spending (1.75% is just average)

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
  • Multiple mobile payment options (Samsung Pay, Apple Pay, Google Pay, Garmin Pay)

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

Apple Pay
Contactless payments
Visa

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 type

Points

Base rewards rate

1 / CHF

Welcome bonus

10,000 points

Insurance & Protection

Travel insurance coverage

CHF 10'000

Medical insurance coverage

No medical coverage

Purchase protection

CHF 1'000

Card Features

Card Network

Visa

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
  • 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

Calculate If This Card Is Worth It for You

CHF 2'500/mo

= 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:

Rewards earnedCHF 300

CHF 30'000/yr × 1 points/CHF × 1 ct

Welcome bonus (1st year)≈ CHF 100

10'000 points × 1 ct

Travel & medical insurance≈ CHF 80
Total benefitsCHF 480
Annual fee- CHF 100
Net value+CHF 380

Move the slider to see how your spending affects the card's value. Miles: 1.5 ct, points: 1 ct.

Rating by Category

Cashback

116 cards

3.3
#47/ 116

Top 41%

#116#1
View top cards

Premium

122 cards

2.8
#68/ 122

Top 56%

#122#1
View top cards

Compare to Other Cards

TKB Mastercard Silver

TKB Mastercard Silver

TKB

3.3
Apply now
TKB Visa Silver

TKB Visa Silver

TKB

3.3
Apply now
Annual feeCHF 100
Annual feeCHF 100
Rewards rate1 points/CHF
Rewards rate1 points/CHF
Welcome bonus10000 points
Welcome bonus10000 points

Frequently Asked Questions

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.

How We Rated This Card

Wondering why TKB Visa Silver got its score? We rate Cashback cards using a weighted formula. Here's what counts:

Cashback Rate (50%)
Customer Satisfaction (30%)
Fee Value (20%)

Same formula for every card in this category. No exceptions.

See our full rating methodology

Ready to Apply?

Apply for the TKB Visa Silver today and start enjoying its benefits.