ZKB Visa Standard
ZKB
Overall Rating
Annual fee
CHF 100
Network
Visa
Rewards Type
Points
Welcome bonus
10,000 points
Also good for
Our Take on ZKB Visa Standard
10,000 welcome points and trip insurance from Zurich's largest cantonal bank. Solid silver on Visa.
The ZKB Visa Standard offers Zurich cantonal bank's silver-tier package on the Visa network: Surprize points, trip insurance, and mobile payments for CHF 100 annually. ZKB provides the same benefits on their Mastercard Standard with identical terms. For ZKB customers who prefer Visa or want to diversify their card networks, this delivers reliable cantonal bank value. See also the ZKB Mastercard Standard.
Is CHF 100 Worth It?
For ZKB customers, the value adds up. 10,000 welcome points (roughly CHF 50) immediately offset half the annual fee. Earning continues at 1 Surprize point per CHF 1 spent, so CHF 20,000 in annual spending generates 20,000 points toward travel or merchandise.
CHF 10,000 trip cancellation protection covers holiday bookings if plans change. Combined with the welcome bonus, the first year delivers solid return on the CHF 100 investment. Standard cantonal bank reliability backs it all.
What Actually Stands Out
ZKB's local banking integration ties your credit card directly into Zurich's largest cantonal bank. Account management, statements, and support all run through the same institution. For Zurich residents who value that local relationship, the convenience matters.
Apple Pay, Google Pay, Samsung Pay, and Garmin Pay all work for contactless payments. The 1.75% FX fee is standard across Swiss silver cards. For a comparison of trip coverage, see our credit card insurance guide.
What Most Reviews Miss
No medical coverage abroad. Trip cancellation and interruption are covered, but health emergencies overseas require separate insurance. This is typical at the silver tier, yet many cardholders assume they're fully covered for travel.
The 1.75% FX fee is average, not competitive. If you regularly spend in euros or other currencies, cards with lower foreign exchange rates will save you more over time.
The Bottom Line
A dependable silver card for ZKB customers who want Visa network access with welcome points and trip protection. It does exactly what a cantonal bank silver card should. Compare alternatives in our best credit cards in Switzerland guide.
Verdict: Reliable choice for ZKB customers. The welcome bonus and trip insurance deliver genuine value at CHF 100.
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
- Multiple mobile payment options (Samsung Pay, Apple Pay, Google Pay, Garmin Pay)
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
Visa
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
- Multiple mobile payment options (Samsung Pay, Apple Pay, Google Pay, Garmin Pay)
- 24-hour customer service support
- 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
- ZKB Visa or Mastercard at the Standard tier, does it matter?
- Functionally no. Same CHF 10,000 monthly limit, same 5.75% intl cash, same supplementary pricing (CHF 25 each, capped at 2), same CHF 20 late fee. Both deposit rewards through the same Surprize-points loyalty wallet. Pick the network you prefer; the cardholder experience is identical.
- How many supplementary cards can I add to the Visa Standard?
- Up to 2 supplementary cards, at CHF 25 per card per year. Hard cap. If you need more, you'd have to upgrade to the Gold tier (which has the same 2-card cap, though). Cantonal-bank cards run smaller supplementary allowances than Valiant's 9-card max in the same segment.
How We Rated This Card
Wondering why ZKB Visa 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 Visa Standard today and start enjoying its benefits.