Également bon pour
Notre Avis sur Viseca Mastercard Silver
10,000 welcome points and CHF 10,000 trip insurance. Standard silver through Viseca's multi-bank platform.
The Viseca Mastercard Silver offers standard silver-tier value through Switzerland's multi-bank card platform. At CHF 100 annually (first year CHF 50), you get Surprize points, trip insurance, and mobile payments. Available through multiple partner banks, the card provides consistent value regardless of your banking relationship. Also available on the other network: Viseca Visa Classic.
Is CHF 100 Worth It?
For Viseca partner bank customers, it's competitive. 10,000 welcome points (worth roughly CHF 50) offset half the first-year cost. 1 Surprize point per CHF 1 builds ongoing rewards. CHF 20,000 annual spending = 20,000 points.
CHF 10,000 trip cancellation and CHF 7,500 trip interruption coverage add value for occasional travelers. Standard silver-tier value available through your existing banking relationship.
What Actually Stands Out
The multi-bank platform is the differentiator. Viseca serves multiple Swiss banks (cantonal banks, regional banks, others). You don't need to change banks; the card integrates with your existing relationship.
Apple Pay, Google Pay, Samsung Pay, and Garmin Pay all work. 1.75% FX fee is standard. 24-hour service.
What Most Reviews Miss
No medical coverage abroad. This is a silver card, so the absence isn't surprising, but international travelers need separate coverage. The trip insurance covers cancellation and interruption, not health.
Availability depends on your bank. If your bank doesn't partner with Viseca, you can't get this card. Check with your specific banking relationship. Compare insurance packages across Swiss cards in our credit card insurance guide.
The Bottom Line
A standard silver card through Viseca's multi-bank platform. Reliable value, consistent execution. Compare alternatives in our best credit cards in Switzerland guide. This card is also available on Visa (Visa Classic) with identical benefits.
Verdict: Good choice if available through your bank. Standard silver value with familiar banking integration.
AVANTAGES
- 10000 welcome bonus points
- Travel insurance coverage up to CHF 10,000
- Apple Pay compatible
- Contactless payments for convenient transactions
- 1 welcome bonus points
- Up to 10000 CHF coverage for trip cancellations
- Multiple mobile payment options (Samsung Pay, Apple Pay, Google Pay, Garmin Pay)
INCONVÉNIENTS
- No medical coverage
- No airport lounge access
- No concierge service
Détails de la carte
En un coup d'œil
Frais annuels
CHF 100
1ère année
CHF 50
Taux de récompense
1 points/CHF
Frais FX
1.75%
Bonus de bienvenue
10,000 points
Couverture d'assurance voyage
CHF 10'000
Frais & Coûts
Frais & Coûts
Frais annuels la première année
CHF 50
Frais annuels (après la première année)
CHF 100
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 20
Cartes supplémentaires
CHF 25/an (1ère année: CHF 12.5) • Jusqu'à 2 cartes
Programme de Récompenses
Programme de Récompenses
Type de récompense
Points
Taux de récompense de base
1 / CHF
Bonus de bienvenue
10,000 points
Assurance & Protection
Assurance & Protection
Couverture d'assurance voyage
CHF 10'000
Couverture d'assurance médicale
Pas de couverture médicale
Protection des achats
CHF 1'000
Caractéristiques de la Carte
Caractéristiques de la Carte
Réseau de la Carte
Mastercard
Type de Carte
Standard
Devise
CHF
Revenu minimum requis
Aucune exigence de revenu
Limite de dépenses mensuelles
CHF 10'000
Accès aux salons d'aéroport
Service de conciergerie
Caractéristiques Principales
- 1 welcome bonus points
- Up to 10000 CHF coverage for trip cancellations
- Multiple mobile payment options (Samsung Pay, Apple Pay, Google Pay, Garmin Pay)
- 24-hour customer service support
- No income requirement
Calculez si cette carte en vaut la peine pour vous
= CHF 30'000/year
Vous payez
CHF 100
par an
Vous recevez
CHF 480
valeur estimée
Bilan
+CHF 380
dans votre poche
Calcul annuel :
CHF 30'000/yr × 1 points/CHF × 1 ct
10'000 points × 1 ct
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
- How much does a supplementary Mastercard Silver cost in year one vs renewals?
- CHF 12.50 in the first year, then CHF 25 per year. Viseca halves the supplementary fee for the first 12 months, then it doubles to the standard rate. Useful to know if you're adding a partner shortly after opening the account; you save CHF 12.50 just once.
- What's the late-payment fee on the Viseca Mastercard Silver?
- CHF 20 per missed statement plus interest. That's below the cashback-segment average around CHF 22. Slightly more lenient than some peers (Valiant charges CHF 30 in the same segment), still don't ignore the statement.
- Does the 2-card supplementary cap actually apply?
- Yes. Maximum 2 supplementary cards, no exceptions published. If you have a partner and two adult children, you'd need to pick which two to give a card. Some competitors (Valiant) allow up to 9 in the same segment; Viseca keeps things tight.
Comment nous avons noté cette carte
Vous vous demandez pourquoi Viseca Mastercard Silver a obtenu ce score ? On note les cartes Cashback avec une formule pondérée. Voici ce qui compte :
Même formule pour toutes les cartes de cette catégorie. Sans exception.
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