TopCard Visa Gold

Identical to TopCard Mastercard Gold. Same Priority Pass, same no-rewards, same no-insurance. Different network.

The TopCard Visa Gold mirrors their Mastercard Gold exactly: same CHF 200 fee, same Priority Pass (EUR 30/visit), same zero rewards, same zero insurance. Your network choice is purely about personal preference. The deliberately limited value proposition is identical.

Does Network Choice Actually Matter?

In Switzerland, Visa and Mastercard acceptance is virtually identical. Both work everywhere. Since neither card offers rewards or insurance, the network choice has zero impact on value. Both cards charge CHF 200 for lounge access alone.

Pick based on which network you don't already have. The decision genuinely doesn't matter for this card.

What Actually Stands Out

Everything matches the Mastercard version. CHF 200 annual fee. Priority Pass at EUR 30/visit. No rewards program. No travel insurance. CHF 75,000 minimum income. 1.75% FX fee.

Apple Pay, Google Pay, Samsung Pay, and Garmin Pay all work. Additional cards cost CHF 50. The simplicity is deliberate.

What Most Reviews Miss

The same missing features apply. No medical coverage, no trip insurance, no rewards. Most gold cards include all three for CHF 200. TopCard's philosophy serves a very narrow niche.

If you truly want only lounge access without other benefits, the Visa version works exactly as well (or poorly) as the Mastercard.

The Bottom Line

Same narrow appeal as TopCard Mastercard Gold, on Visa network. Better options exist for most people. Compare alternatives in our best premium credit cards in Switzerland guide.

Verdict: Same limited value. Pick based on network preference if you specifically want this no-frills approach.