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Our Take on 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.
PROS
- 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)
CONS
- No medical coverage
- No airport lounge access
- No concierge service
Card Details
At a Glance
Annual fee
CHF 100
1st Year
CHF 50
Rewards rate
1 points/CHF
FX Fee
1.75%
Welcome bonus
10,000 points
Travel insurance coverage
CHF 10'000
Fees & Costs
Fees & Costs
First year annual fee
CHF 50
Annual fee (after first year)
CHF 100
Foreign exchange fee
1.75%
Cash Withdrawal (Domestic)
4% (min CHF 10)
Cash Withdrawal (International)
5.75% (min CHF 10)
Late Payment Fee
CHF 20
Additional Cards
CHF 25/year (1st year: CHF 12.5) • Up to 2 cards
Rewards Program
Rewards Program
Rewards type
Points
Base rewards rate
1 / CHF
Welcome bonus
10,000 points
Insurance & Protection
Insurance & Protection
Travel insurance coverage
CHF 10'000
Medical insurance coverage
No medical coverage
Purchase protection
CHF 1'000
Card Features
Card Features
Card Network
Mastercard
Card Type
Standard
Currency
CHF
Minimum income requirement
No income requirement
Monthly spending limit
CHF 10'000
Airport lounge access
Concierge service
Key Features
- 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
Calculate If This Card Is Worth It for You
= CHF 30'000/year
You Pay
CHF 100
per year
You Get Back
CHF 480
estimated value
Bottom Line
+CHF 380
in your pocket
Annual calculation:
CHF 30'000/yr × 1 points/CHF × 1 ct
10'000 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 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.
How We Rated This Card
Wondering why Viseca Mastercard Silver got its score? We rate Cashback 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 Viseca Mastercard Silver today and start enjoying its benefits.