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Our Take on Viseca Visa Gold
Identical to Viseca Mastercard Gold. Same CHF 250,000 coverage, same Priority Pass, different network.
The Viseca Visa Gold mirrors their Mastercard Gold exactly: same CHF 200 fee (first year CHF 100), same CHF 250,000 medical coverage, same Priority Pass, same 20,000 welcome points. Your network choice is purely about personal preference.
Does Network Choice Actually Matter?
In Switzerland, Visa and Mastercard acceptance is virtually identical. Both work everywhere. The CHF 250,000 medical coverage works identically on both. The Priority Pass access (EUR 30/visit) is identical.
Pick based on which network you don't already have. Viseca offers both through partner banks.
What Actually Stands Out
Everything matches the Mastercard version. CHF 200 annual fee (first year CHF 100). CHF 250,000 medical coverage. CHF 20,000 trip cancellation. Priority Pass at EUR 30/visit. 1.5 Surprize points per CHF 1. 20,000 welcome points.
Apple Pay, Google Pay work. Additional cards cost CHF 50.
What Most Reviews Miss
The products are interchangeable. Viseca offers both networks through partner banks. Neither Visa nor Mastercard offers better insurance, better earning, or better lounges.
The meaningful decision is whether Viseca Gold makes sense for your needs, not which network to choose.
The Bottom Line
Same solid gold card as Viseca Mastercard Gold, on Visa network. Compare alternatives in our best premium credit cards in Switzerland guide.
Verdict: Identical to Mastercard version. Choose Visa if you want network diversity.
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
- 1.5 Surprize points per CHF 1 turnover with a welcome bonus of 20000 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
1.5 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 20
Additional Cards
CHF 50/year (1st year: CHF 25) • Up to 2 cards
Rewards Program
Rewards Program
Rewards type
Points
Base rewards rate
1.5 / 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 2,000
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
- 1.5 Surprize points per CHF 1 turnover with a welcome bonus of 20000 points
- Up to 20000 CHF coverage for trip cancellations
- Medical coverage of up to CHF 250,000 per incident while traveling (not in 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 900
estimated value
Bottom Line
+CHF 700
in your pocket
Annual calculation:
CHF 30’000/yr × 1.5 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
- What is the annual fee for the Viseca Visa Gold?
- The Viseca Visa Gold has a promotional first year fee of CHF 100, then CHF 200 per year afterwards.
- What are the foreign transaction fees for the Viseca Visa Gold?
- The Viseca Visa Gold charges a 1.75% foreign exchange fee on international transactions.
- What rewards does the Viseca Visa Gold offer?
- The Viseca Visa Gold offers points rewards at a base rate of 1.5 per CHF spent.
- What insurance coverage does the Viseca Visa Gold include?
- The Viseca Visa Gold includes travel insurance up to CHF 20,000 and medical coverage up to CHF 250,000 abroad.
- Does the Viseca Visa Gold include airport lounge access?
- Yes, the Viseca Visa Gold includes airport lounge access through Priority Pass or partner programs.
- Is the Viseca Visa Gold compatible with Apple Pay?
- Yes, the Viseca Visa Gold is fully compatible with Apple Pay for contactless mobile payments.
How We Rated This Card
Wondering why Viseca 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 Viseca Visa Gold today and start enjoying its benefits.