Auch gut für
Unsere Einschätzung zur TKB World Mastercard Gold
CHF 250,000 medical coverage, Priority Pass, and 20,000 welcome points. Standard cantonal gold at TKB.
The Thurgauer Kantonalbank (TKB) World Mastercard Gold delivers standard gold-tier benefits: CHF 250,000 medical coverage, Priority Pass lounge access, enhanced earning. At CHF 200 annually, it provides solid gold-tier value for Thurgau residents who want comprehensive travel protection with local banking integration. Also available on the other network: TKB World Visa Gold.
Is CHF 200 Worth It?
For travelers, likely yes. CHF 250,000 medical coverage abroad would cost CHF 100-150 standalone. CHF 20,000 trip cancellation adds another CHF 30-50 in value. The insurance alone approaches the annual fee.
20,000 welcome points (worth roughly CHF 100) effectively offset the first-year cost. 1.5 Surprize points per CHF 1 builds ongoing rewards. The math works for travelers who spend CHF 15,000+ annually.
What Actually Stands Out
The banking integration with TKB is the differentiator for Thurgau residents. Unified account management, local customer service, regional banking relationship. For those who value cantonal bank partnerships, this matters.
Standard Priority Pass provides lounge access at EUR 30 per visit (discounted from walk-in rates). Apple Pay, Google Pay, Samsung Pay, and Garmin Pay all work. Our lounge access guide compares every Swiss card with lounge perks.
What Most Reviews Miss
Priority Pass isn't free. Each visit costs EUR 30. Heavy travelers will accumulate lounge costs. Cards with complimentary visits provide better value for frequent flyers.
The 1.75% FX fee is average for cantonal gold cards. Raiffeisen offers 1.5%. If foreign transactions are significant, evaluate whether the TKB relationship outweighs the FX disadvantage.
The Bottom Line
A solid gold card for TKB customers who travel. The CHF 250,000 medical coverage provides real protection, lounge access adds convenience, and cantonal integration suits Thurgau residents. Compare alternatives in our best premium credit cards in Switzerland guide. This card is also available on Visa (World Visa Gold) with identical benefits.
Verdict: Good choice for TKB customers who travel internationally. Standard cantonal gold value with local service.
VORTEILE
- 20000 welcome bonus points
- Travel insurance coverage up to CHF 20,000
- Up to CHF 250,000 coverage for medical expenses
- Airport lounge access
- Apple Pay compatible
- Contactless payments for convenient transactions
- 1 welcome bonus points
- Travel insurance coverage up to CHF 20000
NACHTEILE
- High annual fee (CHF 200)
- No concierge service
Kartendetails
Auf einen Blick
Jahresgebühr
CHF 200
Prämiensatz
1.5 Punkte/CHF
FX-Gebühr
1.75%
Willkommensbonus
20,000 points
Reiseversicherungsschutz
CHF 20,000
Gebühren & Kosten
Gebühren & Kosten
Jahresgebühr im ersten Jahr
CHF 200
Jahresgebühr (nach dem ersten Jahr)
CHF 200
Fremdwährungsgebühr
1.75%
Bargeldabhebung (Inland)
4% (min CHF 10)
Bargeldabhebung (Ausland)
5.75% (min CHF 10)
Verzugsgebühr
CHF 20
Zusatzkarten
CHF 50/Karte/Jahr • Bis zu 2 Karten
Prämienprogramm
Prämienprogramm
Prämientyp
Points
Basis-Prämiensatz
1.5 / CHF
Willkommensbonus
20,000 points
Versicherung & Schutz
Versicherung & Schutz
Reiseversicherungsschutz
CHF 20,000
Krankenversicherungsschutz
CHF 250,000
Kaufschutz
CHF 2,000
Kartenmerkmale
Kartenmerkmale
Kartennetzwerk
Mastercard
Kartentyp
Gold
Währung
CHF, USD, EUR
Mindesteinkommensanforderung
Keine Einkommensanforderung
Monatliches Ausgabenlimit
-
Zugang zu Flughafen-Lounges
Flughafen-Lounge-Zugang verfügbar
Concierge-Service
Hauptmerkmale
- 1 welcome bonus points
- Travel insurance coverage up to CHF 20000
- Up to CHF 250000 coverage for medical expenses
- Standard Priority Pass membership
- Multiple mobile payment options (Samsung Pay, Apple Pay, Google Pay, Garmin Pay)
Berechnen Sie, ob sich diese Karte für Sie lohnt
= CHF 30’000/year
Sie zahlen
CHF 200
pro Jahr
Sie erhalten
CHF 900
geschätzter Wert
Unterm Strich
+CHF 700
in Ihrer Tasche
Jährliche Berechnung:
CHF 30’000/yr × 1.5 points/CHF × 1 ct
20’000 points × 1 ct
Verschieben Sie den Regler, um den Kartenwert zu sehen. Meilen: 1,5 Rp., Punkte: 1 Rp.
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Häufig gestellte Fragen
- What is the annual fee for the TKB World Mastercard Gold?
- The TKB World Mastercard Gold has an annual fee of CHF 200.
- What are the foreign transaction fees for the TKB World Mastercard Gold?
- The TKB World Mastercard Gold charges a 1.75% foreign exchange fee on international transactions.
- What rewards does the TKB World Mastercard Gold offer?
- The TKB World Mastercard Gold offers points rewards at a base rate of 1.5 per CHF spent.
- What insurance coverage does the TKB World Mastercard Gold include?
- The TKB World Mastercard Gold includes travel insurance up to CHF 20,000 and medical coverage up to CHF 250,000 abroad.
- Does the TKB World Mastercard Gold include airport lounge access?
- Yes, the TKB World Mastercard Gold includes airport lounge access through Priority Pass or partner programs.
- Is the TKB World Mastercard Gold compatible with Apple Pay?
- Yes, the TKB World Mastercard Gold is fully compatible with Apple Pay for contactless mobile payments.
So haben wir diese Karte bewertet
Sie fragen sich, warum TKB World Mastercard Gold diese Bewertung hat? Wir bewerten Premium-Karten mit einer gewichteten Formel. Das zählt:
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