
ZKB Mastercard Gold
ZKB
Overall Rating
Annual fee
CHF 200
Network
Mastercard
Rewards Type
Points
Welcome bonus
20,000 points
Also good for
Our Take on ZKB Mastercard Gold

CHF 250,000 in medical coverage abroad. Most people don't realize how much that matters until they need it.
The ZKB Mastercard Gold represents what a gold card should be: substantial travel insurance, lounge access, and solid rewards for CHF 200 annually. It's the standard against which other cantonal bank gold cards are measured. If you bank with ZKB or live in Zurich, this deserves serious consideration. Also available on the other network: ZKB Visa Gold.
Is CHF 200 Worth It?
Let's do the math. CHF 250,000 medical coverage abroad would cost you CHF 150-200 as standalone travel insurance for a year. The CHF 20,000 trip cancellation coverage adds another CHF 50-80 in standalone value. The 20,000 welcome Surprize points are worth roughly CHF 100-150 in redemptions. Add Priority Pass lounge access (EUR 30 per visit), and you're looking at CHF 400+ in tangible benefits.
For CHF 200, the math clearly works if you travel internationally 2-3 times per year. Even one serious trip with the insurance and lounge access pays for itself. The card essentially gives you travel insurance bundled with a credit card, rather than the other way around. For a full breakdown of Priority Pass and LoungeKey cards, see our lounge access guide.
What Actually Stands Out
The CHF 250,000 medical coverage is the headline feature. If you're hiking in the Alps (outside Switzerland), cycling in France, or on a beach vacation in Thailand, this covers emergency medical treatment up to CHF 250,000 per incident. Most Swiss cards cap at CHF 100,000-150,000. The difference matters when helicopter evacuation costs CHF 30,000+.
The Surprize rewards program integration is seamless. You earn 1.5 points per CHF 1 spent, redeemable for travel, merchandise, or event tickets. Not as flexible as pure cashback, but the earning rate is solid. The 1.75% FX fee is average for Switzerland, nothing special.
What Most Reviews Miss
The insurance only covers trips paid with this card. Book your flights with a different card? The coverage doesn't apply. This catches people off guard. Always use this card for travel purchases if you want the protection.
Priority Pass access isn't free. You pay EUR 30 per visit, discounted from walk-in rates but not complimentary. If you're comparing to cards with free lounge visits (like Cornèrcard Miles & More), factor this cost in. Also, the insurance doesn't cover Switzerland. Skiing in Zermatt? You need Swiss accident insurance separately. The card is for international travel protection only.
The Bottom Line
For ZKB customers who travel internationally, this card delivers genuine value. The insurance coverage is substantial, the rewards are competitive, and the lounge access adds convenience. It's exactly what a CHF 200 gold card should be. See how it compares in our best premium credit cards in Switzerland guide. This card is also available on Visa with identical benefits.
Verdict: The benchmark cantonal bank gold card. Worth it if you travel 2+ times internationally per year and want real insurance protection.
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 welcome bonus points
- Up to 250,000 Swiss francs coverage for medical expenses per incident during travel
CONS
- High annual fee (CHF 200)
- No concierge service
Card Details
At a Glance
Annual fee
CHF 200
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 200
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 25/card/year • 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
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
- 1 welcome bonus points
- Up to 250,000 Swiss francs coverage for medical expenses per incident during travel
- Multiple mobile payment options (Samsung Pay, Apple Pay, Google Pay, Garmin Pay)
- Standard Priority Pass membership
- SMS service for transaction alerts
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
- How does the supplementary fee at ZKB Gold compare to other premium cards?
- ZKB charges CHF 25 per supplementary card per year, well below the premium-segment average around CHF 55. UBS Gold sits at CHF 50, Viseca Gold at CHF 50, Valiant Gold at CHF 50. The cap is 2 cards on the account. For a household setup, that saves you CHF 50 a year on two supplementaries compared with peers.
- What's the late-payment fee on the ZKB Gold?
- CHF 20 per missed statement plus interest. Below the premium-segment average around CHF 23, ties for the lowest in this batch. ZKB stays consistent across its tiers (Standard is also CHF 20); the mental model is simpler than UBS or Valiant where the Gold tier sometimes lifts it.
How We Rated This Card
Wondering why ZKB 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 ZKB Mastercard Gold today and start enjoying its benefits.

