TKB World Visa Gold
TKB
Overall Rating
Annual fee
CHF 200
Network
Visa
Rewards Type
Points
Welcome bonus
20,000 points
Also good for
Our Take on TKB World Visa Gold
CHF 250,000 medical coverage abroad for CHF 200. Thurgau's gold card with real travel protection.
The TKB World Visa Gold provides CHF 250,000 medical coverage abroad, Priority Pass lounge access, and 20,000 welcome points through Thurgauer Kantonalbank. TKB offers matching benefits on their World Mastercard Gold at the same price. At CHF 200 annually, the comprehensive travel insurance makes this a practical gold card for Thurgau residents who travel internationally. See also the TKB World Mastercard Gold.
Is CHF 200 Worth It?
For travelers, the numbers add up. CHF 250,000 medical coverage abroad would run CHF 100-150 as standalone travel insurance. CHF 20,000 trip cancellation adds another CHF 30-50 in value. The insurance package alone approaches the full annual fee.
20,000 welcome points (worth roughly CHF 100) effectively halve the first-year cost. 1.5 Surprize points per CHF 1 spent continues building rewards going forward. Travelers spending CHF 15,000+ annually recoup the fee through combined insurance and point value.
What Actually Stands Out
The CHF 250,000 medical coverage provides meaningful financial protection during international travel. Emergency surgeries, hospital stays, and evacuations in expensive healthcare markets like the US are covered at a level that prevents financial disaster.
Priority Pass at EUR 30 per visit offers lounge access below typical walk-in pricing. TKB banking integration keeps everything consolidated for Thurgau residents. Apple Pay, Google Pay, Samsung Pay, and Garmin Pay all work. For a full comparison, see our lounge access guide.
What Most Reviews Miss
Lounge visits cost EUR 30 each. This isn't free access. Frequent travelers who visit lounges regularly should compare cards offering complimentary visits, which provide significantly better value on that front.
The 1.75% FX fee is middle-of-the-road for Swiss gold cards. Raiffeisen's gold cards charge 1.5%, saving CHF 2.50 per CHF 1,000 in foreign spending. If you spend heavily abroad, those savings compound meaningfully over a year.
The Bottom Line
A strong cantonal gold card for TKB customers who travel internationally. The CHF 250,000 medical coverage is the core draw, supported by solid trip insurance and a generous welcome bonus. Compare alternatives in our best premium credit cards in Switzerland guide.
Verdict: Worth considering for TKB customers with travel plans. The medical coverage alone justifies CHF 200 for anyone who takes international trips.
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 15000
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
Visa
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 15000
- Medical expenses coverage up to 250,000 Swiss francs per incident for trips up to 90 days
- Multiple mobile payment options
- Standard Priority Pass membership
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
- Mastercard or Visa Gold from TKB, which one?
- Pricing is identical across both, including the 1.75% FX rate, CHF 50 supp fee, and 20,000 welcome points. Pick Visa for slightly wider Swiss acceptance (some kiosks and SBB machines), Mastercard for travel where Visa surcharges have crept in.
- What's the welcome bonus actually worth?
- 20,000 points equals roughly CHF 100 in voucher value, depending on the partner. It posts once the activation conditions are met. Treat it as offsetting your first-year fee, not as a windfall.
- How does TKB Visa Gold compare on foreign ATM costs?
- 5.75% with a CHF 10 minimum, in line with the premium-segment average of 5.68%. Pulling CHF 200 in cash from a Berlin ATM costs CHF 11.50. Use the card for purchases, a debit card for cash.
How We Rated This Card
Wondering why TKB World Visa 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 Visa Gold today and start enjoying its benefits.