Valiant Visa Gold
Valiant
Overall Rating
Annual fee
CHF 200
1st year: CHF 100
Network
Visa
Rewards Type
Points
Welcome bonus
20,000 points
Also good for
Our Take on Valiant Visa Gold
CHF 250,000 medical coverage with a Young Plus discount. CHF 150 for under-30s instead of CHF 200.
The Valiant Visa Gold packs genuine travel protection into a mid-range gold card: CHF 250,000 medical coverage abroad, Priority Pass lounge access, and 20,000 welcome points. Valiant offers the same package on their World Mastercard Gold at the same pricing. At CHF 200 annually (CHF 150 with Young Plus), it's competitive for travelers who bank with Valiant. See also the Valiant World Mastercard Gold.
Is CHF 200 Worth It?
For international travelers, the insurance alone justifies the fee. CHF 250,000 medical coverage abroad would run CHF 100-150 as a standalone policy. Add CHF 20,000 trip cancellation coverage (worth another CHF 30-50), and the card nearly pays for itself through insurance.
20,000 welcome points (roughly CHF 100 in value) halve the effective first-year cost. With Young Plus, the fee drops to CHF 150, making this gold card genuinely accessible for younger Valiant customers.
What Actually Stands Out
The Young Plus pricing at CHF 150 sets this apart from most gold cards. Under-30 Valiant customers get full gold-tier insurance and lounge access for less than many silver cards charge. Priority Pass costs EUR 30 per visit, which suits occasional lounge users.
Apple Pay, Google Pay, Samsung Pay, and Garmin Pay all work. You earn 1 Surprize point per CHF 1 spent toward travel and merchandise. Our lounge access guide compares every Swiss card with lounge perks.
What Most Reviews Miss
Priority Pass charges EUR 30 per visit. That's not free lounge access. If you visit lounges regularly, those fees stack up quickly. Cards with complimentary visits exist at similar annual pricing.
The 1.75% FX fee is average for Switzerland. If you spend heavily abroad, the foreign exchange cost erodes some of the card's travel value. Consider your spending patterns before committing.
The Bottom Line
A well-rounded gold card for Valiant customers who travel abroad. The medical coverage is substantial, and the Young Plus discount makes it especially strong for younger travelers. Compare alternatives in our best premium credit cards in Switzerland guide.
Verdict: Solid travel card for Valiant customers. Excellent value at the CHF 150 Young Plus rate.
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 Surprize point per CHF 1 turnover with a welcome bonus of 20,000 points
- Up to 20000 CHF coverage for trip cancellations
CONS
- High annual fee (CHF 200)
- No concierge service
Card Details
At a Glance
Annual fee
CHF 200
1st Year
CHF 100
Rewards rate
1 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 100
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 30
Additional Cards
CHF 50/card/year • Up to 9 cards
Rewards Program
Rewards Program
Rewards type
Points
Base rewards rate
1 / 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 1'000
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 Surprize point per CHF 1 turnover with a welcome bonus of 20,000 points
- Up to 20000 CHF coverage for trip cancellations
- Up to CHF 250,000 coverage for medical expenses per incident while traveling (excluding Switzerland)
- Multiple mobile payment options (Samsung Pay, Apple Pay, Google Pay, Garmin Pay)
- 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 750
estimated value
Bottom Line
+CHF 550
in your pocket
Annual calculation:
CHF 30'000/yr × 1 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
- Do I have to pick between the Valiant Visa Gold and the World Mastercard Gold?
- Valiant sells them as parallel products, not as a bundled pair (unlike UBS's setup). Same pricing, same 20,000 welcome points, same 9-supplementary cap, same insurance, same 5.75% intl cash withdrawal. Pick the network that matches the cards you already carry; functionally they're equivalent.
- Can I add up to 9 supplementary cards on the Visa Gold too?
- Yes. The 9-card supplementary cap applies to both Valiant Gold versions. At CHF 50 per supplementary per year (or roughly CHF 25 with a Young Plus account), the per-card cost adds up if you fill the cap. Most peers limit you to 2 to 4 supplementaries; Valiant's allowance here is the standout.
How We Rated This Card
Wondering why Valiant 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 Valiant Visa Gold today and start enjoying its benefits.