
ZKB Mastercard Standard
ZKB
Overall Rating
Annual fee
CHF 100
Network
Mastercard
Rewards Type
Points
Welcome bonus
10,000 points
Also good for
Our Take on ZKB Mastercard Standard

10,000 welcome points and CHF 10,000 trip insurance. Standard ZKB silver.
The Zürcher Kantonalbank (ZKB) Mastercard Standard offers standard silver-tier value: Surprize points, trip insurance, mobile payments. At CHF 100 annually, it provides reliable value for ZKB customers who want banking integration with basic credit card benefits. Also available on the other network: ZKB Visa Standard.
Is CHF 100 Worth It?
For ZKB customers, it's competitive. 10,000 welcome points (worth roughly CHF 50) offset half the first-year cost. 1 Surprize point per CHF 1 spent builds ongoing rewards. CHF 20,000 annual spending = 20,000 points toward redemptions.
CHF 10,000 trip cancellation coverage adds value. If you'd pay CHF 30-50 for standalone trip insurance, the card cost becomes reasonable. Standard cantonal bank value.
What Actually Stands Out
The banking integration with ZKB is the differentiator. Switzerland's largest cantonal bank offers unified account management, strong local presence, and reliable service. For Zurich residents who value regional banking relationships, the integration matters.
Apple Pay, Google Pay, Samsung Pay, and Garmin Pay all work. 1.75% FX fee is standard.
What Most Reviews Miss
No medical coverage abroad. This is a standard/silver card, so the absence isn't surprising, but international travelers need separate coverage. The trip insurance covers cancellation, not health.
The 1.75% FX fee is average, not competitive. Cards with better FX rates exist for international spending. Our credit card insurance guide compares coverage across all Swiss cards.
The Bottom Line
A reliable silver card for ZKB customers. Nothing exceptional, nothing missing. The welcome bonus and trip insurance add real value. Compare alternatives in our best credit cards in Switzerland guide. This card is also available on Visa with identical benefits.
Verdict: Good choice if you bank with ZKB. Standard cantonal bank value with strong local service.
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
- Travel insurance coverage up to CHF 10000
- 24-hour customer service and mobile access for account management
CONS
- No medical coverage
- No airport lounge access
- No concierge service
Card Details
At a Glance
Annual fee
CHF 100
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 100
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/card/year • 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
- Travel insurance coverage up to CHF 10000
- 24-hour customer service and mobile access for account management
- Multiple mobile payment options (Samsung Pay, Apple Pay, Google Pay, Garmin Pay)
- Contactless payments for convenient transactions
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 ZKB Mastercard cost?
- CHF 25 per supplementary card per year, with no free allotment included. ZKB doesn't bundle a free supplementary at the Standard tier, unlike Valiant (which gives you 2) or Viseca (which discounts the first year). The hard cap is 2 supplementary cards on the account.
- What's the late-payment fee on the ZKB Mastercard Standard?
- CHF 20 per missed statement plus interest. Below the cashback-segment average around CHF 22, and the lowest in this comparison set. ZKB is more lenient on this specific friction than Valiant (CHF 30) or UBS (CHF 30). Still set up direct debit.
How We Rated This Card
Wondering why ZKB Mastercard Standard 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 ZKB Mastercard Standard today and start enjoying its benefits.

