TKB World Mastercard Gold
TKB
Overall Rating
Annual fee
CHF 200
Network
Mastercard
Rewards Type
Points
Welcome bonus
20,000 points
Also good for
Our Take on 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.
PROS
- 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
CONS
- High annual fee (CHF 200)
- No concierge service
Card Details
At a Glance
Annual fee
CHF 200
Rewards rate
1.5 points/CHF
FX Fee
1.75%
Welcome bonus
20,000 points
Travel insurance coverage
CHF 20'000
Fees & Costs
Fees & Costs
First year annual fee
CHF 200
Annual fee (after first year)
CHF 200
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 50/card/year • Up to 2 cards
Rewards Program
Rewards Program
Rewards type
Points
Base rewards rate
1.5 / CHF
Welcome bonus
20,000 points
Insurance & Protection
Insurance & Protection
Travel insurance coverage
CHF 20'000
Medical insurance coverage
CHF 250'000
Purchase protection
CHF 2'000
Card Features
Card Features
Card Network
Mastercard
Card Type
Gold
Currency
CHF, USD, EUR
Minimum income requirement
No income requirement
Monthly spending limit
-
Airport lounge access
Airport lounge access available
Concierge service
Key Features
- 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)
Calculate If This Card Is Worth It for You
= CHF 30'000/year
You Pay
CHF 200
per year
You Get Back
CHF 900
estimated value
Bottom Line
+CHF 700
in your pocket
Annual calculation:
CHF 30'000/yr × 1.5 points/CHF × 1 ct
20'000 points × 1 ct
Move the slider to see how your spending affects the card's value. Miles: 1.5 ct, points: 1 ct.
Rating by Category
Compare to Other Cards
Frequently Asked Questions
- What's the late-payment fee?
- CHF 20, modest for a premium tier where the average is CHF 23 and several issuers charge CHF 30. So a missed direct debit doesn't hurt as much as on a Swisscard or Cembra.
- Is there a monthly spending limit?
- No fixed cap. Your limit is set individually based on your TKB relationship and ZEK profile. Clients with longstanding bank ties effectively get an underwriter-driven ceiling rather than a one-size-fits-all CHF 15,000.
- Can I add a card for my partner?
- Up to 2 additional cards at CHF 50 each per year, all on a single combined statement. Most premium issuers let you add 4-5; TKB caps at 2, so this is meant for couples, not multi-driver households.
How We Rated This Card
Wondering why TKB World Mastercard Gold got its score? We rate Premium cards using a weighted formula. Here's what counts:
Same formula for every card in this category. No exceptions.
See our full rating methodologyReady to Apply?
Apply for the TKB World Mastercard Gold today and start enjoying its benefits.