How to get the BonusCard offer
- 1
Apply online
Hit the button above. You land on the BonusCard page for the Simply Card Smart and fill in the form in a few minutes. There's no code to enter.
- 2
Get approved and receive your card
Cornèr Banca SA reviews your application, like for any credit card. Once it's approved, the card comes to you by post. Download the free MyOnlineServices app to track your balance and set payment alerts.
- 3
Pay with it
There's no annual fee, ever. Until 29 November 2026 you collect bonus points, and from 30 November 2026 every purchase earns cashback automatically.
Conditions
- "Free" refers to the annual fee only. Other charges, such as interest on a balance you don't repay in full, follow BonusCard's price list.
- There's no promo code and no welcome bonus right now: these are the card's standard benefits, the same for every cardholder.
- Until 29 November 2026 the card earns 1 bonus point per CHF 1, and double points abroad if you select your destination (MyCountry) in MyOnlineServices before you leave.
- From 30 November 2026 it pays 0.2% cashback on purchases in CHF and 0.3% in foreign currency. Cashback is paid out from CHF 25, onto your card or as a donation, and stays valid for at least 12 months.
- The extended warranty applies if you paid at least 50% of the price with the card.
- Loss protection, balance insurance and cyber insurance are paid options, not included.
- Each month you repay at least CHF 50 or 2.5% of the balance.
- Cornèr Banca SA issues the card and decides on your application.
What is the Simply Card Smart?
The Simply Card Smart is a Visa credit card from BonusCard, the Zurich-based card brand of Cornèr Banca SA. It's built around one promise: no annual fee, now and later. "Free" here means the annual fee only, which is the cost most cards charge you just for having them. BonusCard also issues the Classic, Gold and Exclusive cards, on Visa or Mastercard, for CHF 48 to CHF 216 a year. The Simply Card Smart is its only free card, and the one this page covers.
What sets it apart from other free cards is the 0.5% foreign currency fee, the lowest of the 139 cards we track (the median is 1.75%). It also comes with travel delay and luggage insurance and a 24-month extended warranty on electronic devices, plus mobile payments and the MyOnlineServices app.
Where the offer applies
Why the Simply Card Smart?
Free for life. No annual fee in the first year or any year after. You can keep it as your everyday card or as a backup without it costing you anything.
A low 0.5% foreign currency fee. Most Swiss cards charge 1.5% to 2.5% on payments in euros, dollars or any other currency. On CHF 1,000 spent abroad, that's CHF 5 with the Simply Card Smart against CHF 17.50 at the 1.75% median.
#1 of 29 student cards on GetRates. No fee and a low FX fee make it our top pick in the student credit card ranking.
Insurance included. Travel delay insurance covers the extra costs if your trip is cancelled at short notice or delayed, luggage insurance covers lost luggage, and the extended warranty adds 24 months to the manufacturer's warranty on electrical and electronic devices.
The honest limits. From 30 November 2026 the cashback rate is low: 0.2% in CHF and 0.3% abroad. Cards like the poinz Amex pay 1%. And cashback is only paid out from CHF 25, which at 0.2% means about CHF 12,500 of spending in CHF. Pick the Simply Card Smart for the zero fee and the low FX fee, not for the rewards.
From bonus points to cashback on 30 November 2026
BonusCard is replacing its bonus points with cashback. You don't need to do anything, but it pays to know the dates.
| Date | What happens |
|---|---|
| Until 25.11.2026 | Last day to redeem your bonus points in the Rewards Shop (vouchers, donations, award miles or a credit on your card) |
| Until 29.11.2026 | Purchases still earn 1 bonus point per CHF 1, double abroad with MyCountry |
| 30.11.2026 | Your remaining points show up as cashback, converted at 100 points = CHF 1 |
| From 30.11.2026 | Every purchase earns 0.2% cashback in CHF and 0.3% in foreign currency, with nothing to activate |
At 100 points = CHF 1, today's bonus points are worth more per franc spent than the new cashback rate. BonusCard says it may run temporary double or triple cashback campaigns.
Simply Card Smart vs other free credit cards
Among the 23 cards we track with no annual fee for life, the Simply Card Smart has the lowest foreign currency fee by a wide margin. The next best charges 1.2%, and the median is 2%.
| Card | Annual fee | Foreign currency fee | Rewards |
|---|---|---|---|
| Simply Card Smart Visa | CHF 0 | 0.5% | Cashback 0.2% in CHF, 0.3% abroad (from 30.11.2026) |
| Certo! One Mastercard | CHF 0 | 1.5% | Cashback 1% at Migros, Coop and SBB, 0.25% elsewhere |
| Migros Cumulus Visa | CHF 0 | 1.75% | Cumulus points |
| poinz Card Amex | CHF 0 | 2.5% | Cashback 1% (Amex), 0.25% (Visa) |
| Swisscard Cashback Amex | CHF 0 | 2.5% | Cashback 1% (Amex), 0.25% (Visa or Mastercard) |
If you mostly pay in Switzerland, a 1% cashback card earns more. If you travel or shop in other currencies, the Simply Card Smart costs less. Many people keep one of each. See all free credit cards and the student card ranking.
Simply Card Smart: is it worth it?
Yes, if you want a credit card that costs nothing to keep and doesn't punish you abroad. CHF 0 a year for life and a 0.5% foreign currency fee is a rare combination in Switzerland, and the included travel delay, luggage and extended warranty insurance are a fair bonus for a free card.
Don't pick it for the rewards. From 30 November 2026 the cashback is 0.2% at home and 0.3% abroad, paid out from CHF 25. As a travel card, a student's first card or a free backup, it's one of the best choices around. Read the full Simply Card Smart review.
BonusCard: frequently asked questions
Is there a BonusCard or Simply Card promo code?
No, and you don't need one. There's no BonusCard promo code and no Simply Card promo code right now, and no welcome bonus either. The Simply Card Smart's benefits are permanent and the same for every cardholder: CHF 0 annual fee for life, a 0.5% foreign currency fee, included insurance and cashback from 30 November 2026.
How much does the Simply Card Smart cost?
The annual fee is CHF 0, for life, for the main card. "Free" refers to the annual fee only: payments in foreign currency cost 0.5%, and the rest of BonusCard's price list applies, for example interest if you don't repay your balance in full. Loss protection, balance insurance and cyber insurance are paid options.
What is BonusCard?
BonusCard (sometimes written Bonus Card) is a Swiss credit and prepaid card brand based in Zurich. It issues the Simply Card Smart and runs the MyOnlineServices app, where you check your balance, set payment alerts, retrieve your PIN and block your card.
Who is behind BonusCard?
Cornèr Banca SA. BonusCard is the Zurich branch of Cornèr Bank, the Swiss bank that also issues Cornèrcard credit cards. Cornèr Banca SA issues the Simply Card Smart and decides on applications.
What happens to my bonus points from 30 November 2026?
You can redeem them in the Rewards Shop until 25 November 2026. Points you haven't used are converted automatically at 100 points = CHF 1 and show up as cashback from 30 November 2026. You don't need to do anything.
How much cashback does the Simply Card Smart give?
From 30 November 2026: 0.2% on purchases in CHF and 0.3% in foreign currency, credited automatically. It's paid out from CHF 25, onto your card or as a donation, and stays valid for at least 12 months. BonusCard may run temporary double or triple cashback campaigns.
Which insurances are included?
Three, at no cost: travel delay insurance (extra costs if your trip is cancelled at short notice or delayed), luggage insurance (lost luggage) and a 24-month extended warranty on electrical and electronic devices, if you paid at least 50% of the price with the card.
About the author
Entrepreneur who bootstrapped a SaaS to multi-million revenue. Building GetRates.ch to bring transparency to Swiss finance.
About the reviewer
Works in Swiss banking, with a background in anti-money-laundering investigations and cross-border payments. Checks GetRates.ch content for accuracy and hidden conditions before it is published.
