Auch gut für
Unsere Einschätzung zur 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.
VORTEILE
- 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)
NACHTEILE
- No medical coverage
- No airport lounge access
- No concierge service
Kartendetails
Auf einen Blick
Jahresgebühr
CHF 100
1. Jahr
CHF 50
Prämiensatz
1 Punkte/CHF
FX-Gebühr
1.75%
Willkommensbonus
10,000 points
Reiseversicherungsschutz
CHF 10'000
Gebühren & Kosten
Gebühren & Kosten
Jahresgebühr im ersten Jahr
CHF 50
Jahresgebühr (nach dem ersten Jahr)
CHF 100
Fremdwährungsgebühr
1.75%
Bargeldabhebung (Inland)
4% (min CHF 10)
Bargeldabhebung (Ausland)
5.75% (min CHF 10)
Verzugsgebühr
CHF 20
Zusatzkarten
CHF 25/Jahr (1. Jahr: CHF 12.5) • Bis zu 2 Karten
Prämienprogramm
Prämienprogramm
Prämientyp
Points
Basis-Prämiensatz
1 / CHF
Willkommensbonus
10,000 points
Versicherung & Schutz
Versicherung & Schutz
Reiseversicherungsschutz
CHF 10'000
Krankenversicherungsschutz
Keine medizinische Versorgung
Kaufschutz
CHF 1'000
Kartenmerkmale
Kartenmerkmale
Kartennetzwerk
Mastercard
Kartentyp
Standard
Währung
CHF
Mindesteinkommensanforderung
Keine Einkommensanforderung
Monatliches Ausgabenlimit
CHF 10'000
Zugang zu Flughafen-Lounges
Concierge-Service
Hauptmerkmale
- 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
Berechnen Sie, ob sich diese Karte für Sie lohnt
= CHF 30'000/year
Sie zahlen
CHF 100
pro Jahr
Sie erhalten
CHF 480
geschätzter Wert
Unterm Strich
+CHF 380
in Ihrer Tasche
Jährliche Berechnung:
CHF 30'000/yr × 1 points/CHF × 1 ct
10'000 points × 1 ct
Verschieben Sie den Regler, um den Kartenwert zu sehen. Meilen: 1,5 Rp., Punkte: 1 Rp.
Bewertung nach Kategorie
Mit anderen Karten vergleichen
Häufig gestellte Fragen
- 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.
So haben wir diese Karte bewertet
Sie fragen sich, warum Viseca Mastercard Silver diese Bewertung hat? Wir bewerten Cashback-Karten mit einer gewichteten Formel. Das zählt:
Gleiche Formel für jede Karte in dieser Kategorie. Keine Ausnahmen.
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