TopCard Mastercard Gold

Priority Pass for CHF 200, but no rewards and no insurance. A genuinely unusual gold card.

The TopCard Mastercard Gold adds lounge access while keeping the no-rewards philosophy. At CHF 200 annually, you get Priority Pass (EUR 30/visit) but still no rewards program and, surprisingly, no travel insurance. It's an unusual combination that serves a very specific niche.

Is CHF 200 Worth It?

For most people, no. Standard Priority Pass at EUR 30 per visit is nice, but most gold cards include this alongside rewards and insurance. Cantonal bank gold cards offer CHF 250,000 medical coverage, trip insurance, AND rewards for the same price.

TopCard Gold charges CHF 200 for lounge access alone. The value proposition is deliberately narrow. Only consider this if you specifically don't want rewards or insurance complexity.

What Actually Stands Out

The deliberate lack of features continues from Classic tier. No rewards program. Surprisingly, no travel insurance at gold tier. Most gold cards include CHF 200,000-300,000 medical coverage. TopCard Gold includes zero.

Apple Pay, Google Pay, Samsung Pay, and Garmin Pay work. 1.75% FX fee. CHF 75,000 minimum income. Additional cards cost CHF 50.

What Most Reviews Miss

The missing insurance is a significant gap. A gold card without medical coverage is unusual. If you travel, you need separate insurance. You're paying gold-tier pricing for less than silver-tier protection.

Who actually wants this? Someone who has comprehensive insurance elsewhere, specifically wants lounge access, and actively dislikes rewards programs. That's a very narrow intersection.

The Bottom Line

An unusual gold card missing expected features. The lounge access is nice, but the lack of rewards and insurance limits appeal. Better options exist for most people. Compare alternatives in our best premium credit cards in Switzerland guide.

Verdict: Hard to recommend. Other gold cards offer significantly more value for the same price.