Également bon pour
Notre Avis sur TopCard Visa Card Platinum
CHF 1,000,000 medical coverage, 4 free lounge visits, and concierge. Finally, TopCard adds real benefits.
The TopCard Visa Platinum finally delivers comprehensive benefits: CHF 1,000,000 medical coverage, 4 complimentary lounge visits annually, and 24-hour concierge service. At CHF 500 annually, it's their first complete offering. The no-rewards philosophy continues, but the insurance justifies consideration for travelers.
Is CHF 500 Worth It?
For travelers, potentially yes. CHF 1,000,000 medical coverage abroad would cost CHF 100-200 standalone as premium travel insurance. CHF 30,000 trip cancellation and CHF 800 flight delay add additional value. The insurance alone approaches or exceeds the fee.
4 complimentary lounge visits save EUR 120+. 24-hour concierge adds convenience. The combined protection and perks justify CHF 500 for frequent travelers who have separate rewards needs.
What Actually Stands Out
The CHF 1,000,000 medical coverage is luxury-tier protection. Helicopter evacuations, US hospitalizations, serious emergencies: covered. This is genuine peace of mind for international travel.
4 free Priority Pass visits annually (then EUR 30/visit) provide meaningful lounge benefit. Europ Assistance concierge handles reservations, travel planning, and emergency support. Up to 3 free additional cards for family.
What Most Reviews Miss
Still no rewards program. CHF 50,000 annual spending earns CHF 0 rewards. Cards like Swisscard Platinum offer both insurance AND Membership Rewards. The opportunity cost remains.
CHF 120,000 minimum income is high. 4 lounge visits may not suffice for heavy travelers. Cards with unlimited access exist at similar pricing.
The Bottom Line
TopCard's first comprehensive card with excellent insurance. Worth considering for travelers who prioritize protection over rewards complexity. The no-rewards philosophy limits appeal compared to alternatives that offer both. Compare alternatives in our best luxury credit cards in Switzerland guide.
Verdict: Worth considering for the insurance. The no-rewards philosophy continues, but protection-focused travelers may find value.
AVANTAGES
- Travel insurance coverage up to CHF 30,000
- Up to CHF 1,000,000 coverage for medical expenses
- Airport lounge access
- Apple Pay compatible
- Contactless payments for convenient transactions
- Discounted Priority Pass for airport lounges
- Up to CHF 1,000,000 medical coverage for travel-related incidents for individuals under 80 years old
- Concierge service with no additional booking fees
INCONVÉNIENTS
- High annual fee (CHF 500)
- No welcome bonus
- No concierge service
Détails de la carte
En un coup d'œil
Frais annuels
CHF 500
1ère année
CHF 250
Taux de récompense
-
Frais FX
1.75%
Couverture d'assurance voyage
CHF 30,000
Frais & Coûts
Frais & Coûts
Frais annuels la première année
CHF 250
Frais annuels (après la première année)
CHF 500
Frais de change
1.75%
Retrait d'Espèces (National)
4% (min CHF 10)
Retrait d'Espèces (International)
5.75% (min CHF 10)
Frais de Retard
CHF 30
Cartes supplémentaires
3 cartes supplémentaires gratuites
Programme de Récompenses
Programme de Récompenses
Type de récompense
No rewards
Taux de récompense de base
-
Assurance & Protection
Assurance & Protection
Couverture d'assurance voyage
CHF 30,000
Couverture d'assurance médicale
CHF 1,000,000
Protection des achats
CHF 3,500
Caractéristiques de la Carte
Caractéristiques de la Carte
Réseau de la Carte
Visa
Type de Carte
Platinum
Devise
CHF, USD, EUR
Revenu minimum requis
CHF 120,000
Limite de dépenses mensuelles
-
Accès aux salons d'aéroport
Accès aux salons d'aéroport disponible
Service de conciergerie
Caractéristiques Principales
- Discounted Priority Pass for airport lounges
- Up to CHF 1,000,000 medical coverage for travel-related incidents for individuals under 80 years old
- Concierge service with no additional booking fees
- Multiple mobile payment options
- Travel Protection Plus covering trip cancellations and delays, with benefits up to CHF 30,000 and CHF 800, respectively
Calculez si cette carte en vaut la peine pour vous
= CHF 30’000/year
Vous payez
CHF 500
par an
Vous recevez
CHF 350
valeur estimée
Bilan
CHF -150
coût supplémentaire
Calcul annuel :
Déplacez le curseur pour voir la valeur. Miles: 1,5 ct, points: 1 ct.
Note par Catégorie
Comparer avec d'autres cartes
Questions fréquemment posées
- What is the annual fee for the TopCard Visa Card Platinum?
- The TopCard Visa Card Platinum has a promotional first year fee of CHF 250, then CHF 500 per year afterwards.
- What are the foreign transaction fees for the TopCard Visa Card Platinum?
- The TopCard Visa Card Platinum charges a 1.75% foreign exchange fee on international transactions.
- What insurance coverage does the TopCard Visa Card Platinum include?
- The TopCard Visa Card Platinum includes travel insurance up to CHF 30,000 and medical coverage up to CHF 1,000,000 abroad.
- Does the TopCard Visa Card Platinum include airport lounge access?
- Yes, the TopCard Visa Card Platinum includes airport lounge access through Priority Pass or partner programs.
- Is the TopCard Visa Card Platinum compatible with Apple Pay?
- Yes, the TopCard Visa Card Platinum is fully compatible with Apple Pay for contactless mobile payments.
Comment nous avons noté cette carte
Vous vous demandez pourquoi TopCard Visa Card Platinum a obtenu ce score ? On note les cartes Luxe avec une formule pondérée. Voici ce qui compte :
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