ZKB Mastercard StandardZKB
Cashback
Standard

ZKB Mastercard Standard

ZKB

Overall Rating

3.3/5

Annual fee

CHF 100

Network

Mastercard

Rewards Type

Points

Welcome bonus

10,000 points

Also good for

Premium

Our Take on ZKB Mastercard Standard

Your Swiss Finance Companion
Adrien Missioux
Adrien Missioux•

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.

Best For: ZKB customers who want credit card and banking integration, Zurich residents who value local cantonal banking relationships, occasional travelers who need trip cancellation coverage
Consider Alternatives If: you don't bank with ZKB (other cantonal banks may serve you better), you want premium benefits like medical coverage or lounge access, you make frequent foreign purchases (1.75% FX fee is just average)

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

Apple Pay
Contactless payments
Mastercard

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 type

Points

Base rewards rate

1 / CHF

Welcome bonus

10,000 points

Insurance & Protection

Travel insurance coverage

CHF 10'000

Medical insurance coverage

No medical coverage

Purchase protection

CHF 1'000

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 2'500/mo

= 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:

Rewards earnedCHF 300

CHF 30'000/yr × 1 points/CHF × 1 ct

Welcome bonus (1st year)≈ CHF 100

10'000 points × 1 ct

Travel & medical insurance≈ CHF 80
Total benefitsCHF 480
Annual fee- CHF 100
Net value+CHF 380

Move the slider to see how your spending affects the card's value. Miles: 1.5 ct, points: 1 ct.

Rating by Category

Cashback

116 cards

3.3
#56/ 116

Top 48%

#116#1
View top cards

Premium

122 cards

2.8
#80/ 122

Top 66%

#122#1
View top cards

Compare to Other Cards

SGKB Visa Silver

SGKB Visa Silver

SGKB

3.3
Visit provider
ZKB Mastercard Standard

ZKB Mastercard Standard

ZKB

3.3
Visit provider
Annual feeCHF 100
Annual feeCHF 100
Rewards rate1 points/CHF
Rewards rate1 points/CHF
Welcome bonus10000 points
Welcome bonus10000 points

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:

Cashback Rate (50%)
Customer Satisfaction (30%)
Fee Value (20%)

Same formula for every card in this category. No exceptions.

See our full rating methodology

Ready to Apply?

Apply for the ZKB Mastercard Standard today and start enjoying its benefits.