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Our Take on Valiant World Mastercard Gold
CHF 250,000 medical coverage, Priority Pass, half price with Young Plus. Valiant gold value.
The Valiant World Mastercard Gold delivers standard gold-tier benefits: CHF 250,000 medical coverage, Priority Pass lounge access, 20,000 welcome points. At CHF 200 annually (half price with Young Plus), it provides solid value for Valiant customers who travel internationally. Also available on the other network: Valiant Visa Gold.
Is CHF 200 Worth It?
For travelers, likely yes. CHF 250,000 medical coverage abroad would cost CHF 100-150 standalone. CHF 20,000 trip cancellation adds another CHF 30-50 in value. The insurance alone approaches the annual fee.
20,000 welcome points (worth roughly CHF 100) offset half the first-year cost. Half price with Young Plus (CHF 100) makes this excellent value for young Valiant customers.
What Actually Stands Out
The Young Plus discount is the differentiator. CHF 100 for gold-tier insurance and lounge access is excellent value. Standard Priority Pass at EUR 30/visit adds airport comfort.
Apple Pay, Google Pay, Samsung Pay, and Garmin Pay all work. 1.75% FX fee is standard. Our lounge access guide compares every Swiss card with lounge perks.
What Most Reviews Miss
Priority Pass isn't free. EUR 30 per visit adds up for heavy travelers. Cards with complimentary visits exist at similar pricing.
The 1.75% FX fee is average. For international spending optimization, cards with better rates exist.
The Bottom Line
A solid gold card for Valiant customers who travel. The Young Plus discount makes it especially attractive. Compare alternatives in our best premium credit cards in Switzerland guide. This card is also available on Visa with identical benefits.
Verdict: Good choice for Valiant customers. Excellent with Young Plus discount.
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
- Surprize program for bonus points
- Medical insurance coverage of up to 250,000 Swiss francs per incident for trips up to 90 days outside Switzerland
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
Mastercard
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
- Surprize program for bonus points
- Medical insurance coverage of up to 250,000 Swiss francs per incident for trips up to 90 days outside Switzerland
- Standard Priority Pass membership
- Comprehensive travel insurance covering up to 15000 CHF
- Multiple mobile payment options (Samsung Pay, Apple Pay, Google Pay, Garmin Pay)
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
- How many additional cards can I add to the Valiant World Mastercard Gold?
- Up to 9 additional cards on a single account, each at CHF 50 per year. That's an unusually high cap; most premium Swiss cards top out at 2 or 4 supplementaries. Useful if you run a family or small operation with multiple drivers on the same card. With a Young Plus account, each supplementary drops to half price.
- How does the Young Plus account benefit work at Gold tier?
- Valiant's Young Plus banking package cuts the per-supplementary fee in half, from CHF 50 to roughly CHF 25 per additional card per year. The main card fee is usually reduced under Young Plus too. If you're under 30 and bank with Valiant, stacking multiple supplementaries on the Gold becomes meaningfully cheaper.
- What's the late-payment fee on the Valiant Gold?
- CHF 30 per missed statement plus accrued interest. Slightly above the premium-segment average around CHF 23. ZKB Gold and Viseca Gold both stay at CHF 20 on the same segment. Set up direct debit and skip the worry.
How We Rated This Card
Wondering why Valiant World Mastercard 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 World Mastercard Gold today and start enjoying its benefits.