Également bon pour
Notre Avis sur ZKB Visa Gold
CHF 250,000 medical coverage abroad for CHF 200. Zurich's gold card with real travel protection.
The ZKB Visa Gold brings serious travel insurance to the Visa network: CHF 250,000 medical coverage abroad, Priority Pass lounge access, and 20,000 welcome points. ZKB offers the same package on their Mastercard Gold with identical terms. At CHF 200 annually, it's Zurich's cantonal bank gold card for travelers who want genuine protection. See also the ZKB Mastercard Gold.
Is CHF 200 Worth It?
If you travel internationally, the insurance math is clear. CHF 250,000 medical coverage abroad costs CHF 150-200 as standalone travel insurance. CHF 20,000 trip cancellation coverage adds CHF 50-80 more in standalone value. The insurance package alone justifies the annual fee.
20,000 welcome Surprize points (roughly CHF 100-150 in redemptions) offset a significant portion of the first-year cost. Priority Pass lounge access at EUR 30 per visit rounds out the travel benefits.
What Actually Stands Out
The CHF 250,000 medical coverage is the headline. Emergency treatment abroad, including helicopter evacuation scenarios costing CHF 30,000+, sits well within the coverage limit. That level of protection through a credit card saves you buying a separate travel policy.
1.5 Surprize points per CHF 1 earns 50% faster than silver. Apple Pay and Google Pay work. Additional cards cost CHF 25. Our lounge access guide compares lounge cards across Switzerland.
What Most Reviews Miss
Insurance only covers trips paid with this card. Book flights on a different card and the protection won't apply. Always use this card for travel purchases if you want the coverage to kick in.
Priority Pass isn't complimentary. EUR 30 per visit adds up for frequent lounge users. If free visits matter, compare cards that include them at similar annual fees. Also, coverage applies abroad only, not within Switzerland.
The Bottom Line
Zurich's cantonal bank gold card delivers real travel value on the Visa network. The medical coverage is substantial, the rewards are solid, and the cantonal bank integration keeps everything under one roof. Compare alternatives in our best premium credit cards in Switzerland guide.
Verdict: Worth it for ZKB customers who travel internationally. Genuine insurance protection at a fair price.
AVANTAGES
- 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
- Medical coverage of up to 250,000 Swiss francs for travel incidents
INCONVÉNIENTS
- High annual fee (CHF 200)
- No concierge service
Détails de la carte
En un coup d'œil
Frais annuels
CHF 200
Taux de récompense
1.5 points/CHF
Frais FX
1.75%
Bonus de bienvenue
20,000 points
Couverture d'assurance voyage
CHF 20,000
Frais & Coûts
Frais & Coûts
Frais annuels la première année
CHF 200
Frais annuels (après la première année)
CHF 200
Frais de change
1.75%
Retrait d'Espèces (National)
4% (min CHF 10)
Retrait d'Espèces (International)
5.75% (min CHF 10)
Frais de Retard
CHF 20
Cartes supplémentaires
CHF 25/carte/an • Jusqu'à 2 cartes
Programme de Récompenses
Programme de Récompenses
Type de récompense
Points
Taux de récompense de base
1.5 / CHF
Bonus de bienvenue
20,000 points
Assurance & Protection
Assurance & Protection
Couverture d'assurance voyage
CHF 20,000
Couverture d'assurance médicale
CHF 250,000
Protection des achats
CHF 2,000
Caractéristiques de la Carte
Caractéristiques de la Carte
Réseau de la Carte
Visa
Type de Carte
Gold
Devise
CHF, USD, EUR
Revenu minimum requis
Aucune exigence de revenu
Limite de dépenses mensuelles
-
Accès aux salons d'aéroport
Accès aux salons d'aéroport disponible
Service de conciergerie
Caractéristiques Principales
- 1 welcome bonus points
- Medical coverage of up to 250,000 Swiss francs for travel incidents
- Standard Priority Pass membership
- Multiple mobile payment options
- No coverage in Switzerland for medical insurance, focusing on international travel benefits
Calculez si cette carte en vaut la peine pour vous
= CHF 30’000/year
Vous payez
CHF 200
par an
Vous recevez
CHF 900
valeur estimée
Bilan
+CHF 700
dans votre poche
Calcul annuel :
CHF 30’000/yr × 1.5 points/CHF × 1 ct
20’000 points × 1 ct
Déplacez le curseur pour voir la valeur. Miles: 1,5 ct, points: 1 ct.
Note par Catégorie
Comparer avec d'autres cartes
Questions fréquemment posées
- What is the annual fee for the ZKB Visa Gold?
- The ZKB Visa Gold has an annual fee of CHF 200.
- What are the foreign transaction fees for the ZKB Visa Gold?
- The ZKB Visa Gold charges a 1.75% foreign exchange fee on international transactions.
- What rewards does the ZKB Visa Gold offer?
- The ZKB Visa Gold offers points rewards at a base rate of 1.5 per CHF spent.
- What insurance coverage does the ZKB Visa Gold include?
- The ZKB Visa Gold includes travel insurance up to CHF 20,000 and medical coverage up to CHF 250,000 abroad.
- Does the ZKB Visa Gold include airport lounge access?
- Yes, the ZKB Visa Gold includes airport lounge access through Priority Pass or partner programs.
- Is the ZKB Visa Gold compatible with Apple Pay?
- Yes, the ZKB Visa Gold is fully compatible with Apple Pay for contactless mobile payments.
Comment nous avons noté cette carte
Vous vous demandez pourquoi ZKB Visa Gold a obtenu ce score ? On note les cartes Premium avec une formule pondérée. Voici ce qui compte :
Même formule pour toutes les cartes de cette catégorie. Sans exception.
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