ZKB Visa Standard

Identical to ZKB Mastercard Standard. Same 10,000 welcome points, same trip insurance, different network.

The ZKB Visa Standard mirrors their Mastercard Standard exactly: same CHF 100 fee, same rewards, same trip insurance. Your network choice is purely about personal preference. The benefits are identical.

Does Network Choice Actually Matter?

In Switzerland, Visa and Mastercard acceptance is virtually identical. Both work everywhere. The 10,000 welcome points apply to both. The trip insurance is identical. The 1.75% FX fee is identical.

Pick based on which network you don't already have. ZKB offers both so customers have options.

What Actually Stands Out

Everything matches the Mastercard version. CHF 100 annual fee. 10,000 welcome points. 1 Surprize point per CHF 1. CHF 10,000 trip cancellation. 1.75% FX fee.

Apple Pay, Google Pay, Samsung Pay, and Garmin Pay all work. Same ZKB banking integration on both networks.

What Most Reviews Miss

The products are interchangeable. ZKB offers both networks purely for customer preference. The meaningful decision is whether ZKB's Standard card makes sense for your needs, not which network to choose.

No medical coverage on either. If you travel internationally, you need separate insurance.

The Bottom Line

Same reliable silver card as ZKB Mastercard Standard, on Visa network. Compare alternatives in our best credit cards in Switzerland guide.

Verdict: Identical to Mastercard version. Choose Visa if you want network diversity.