Refpo Credit Cards

Best Credit Cards in Switzerland

Browse country-specific cards and compare fees, rewards, and benefits.

Cembra Money Bank

Cembra Certo! Mastercard World

Cembra Certo! Mastercard World is a Swiss no-annual-fee cashback credit card. It gives 1% money back at Migros, Coop, and SBB, 0.25% money back on other purchases, mobile and contactless payments, Cembra app card controls, additional card options, and Mastercard World acceptance in Switzerland and abroad.

No annual fee
1% money back at Migros
1% money back at Coop

Joining fees

0 CHF annual fee

Renewal fees

0 CHF annual fee

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SWISS Miles & More and Swisscard AECS

SWISS Miles & More Classic Credit Card Duo

SWISS Miles & More Classic Credit Card Duo is a Swiss travel rewards card package for earning Miles & More miles on everyday purchases. It includes an American Express Classic card and a Mastercard World Classic card, earns up to 1.5 miles per CHF 2 spent, offers a welcome bonus, and helps protect miles from expiry when monthly card-use conditions are met.

Swiss travel rewards credit card duo
Includes American Express Classic and Mastercard World Classic cards
Up to 1.5 miles for every CHF 2 spent

Joining fees

CHF 60 in the first year

Renewal fees

CHF 120 per year after the first year

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Cembra Money Bank AG / Touring Club Switzerland (TCS)

TCS Member Mastercard

Free TCS member credit card issued by Cembra Money Bank AG, combining Mastercard payments with fuel discounts at BP, Tamoil, Ruedi Rüssel and Miniprix, 5% TCS eCharge discount, selected partner cashback, parking discount and travel accident insurance.

Free Mastercard for TCS members
Fuel discounts at BP, Tamoil, Ruedi Rüssel and Miniprix
5% TCS eCharge discount for EV charging

Joining fees

CHF 0

Renewal fees

CHF 0

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Swisscard AECS GmbH / American Express

American Express Platinum Card Switzerland

Premium metal American Express card in Switzerland offering airport lounge access, Membership Rewards points, SWISS voucher, SIXT ride credit, hotel status benefits, dining credit, concierge-style travel service and comprehensive travel insurance.

Premium metal American Express Platinum Card
45,000 Membership Rewards welcome points
1 Membership Rewards point for every CHF 1 spent

Joining fees

CHF 900

Renewal fees

CHF 900

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Swisscard AECS GmbH / SWISS Miles & More

SWISS SME Platinum Credit Card Package

Premium Swiss corporate card package for SMEs, combining SWISS Miles & More American Express Business Platinum and Mastercard World Business Platinum with PartnerPlusBenefit points, Miles & More miles, SWISS First Class check-in, CompanyOnline expense management, SIXT Advantage Circle privileges and comprehensive business travel insurance.

Premium corporate card package for Swiss SMEs
Includes American Express Business Platinum and Mastercard World Business Platinum
4,000 BenefitPoints welcome gift for the company

Joining fees

CHF 350 in the first year

Renewal fees

CHF 700 per year

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Swisscard AECS GmbH / American Express

American Express Corporate Platinum Card Switzerland

Premium Swiss corporate card for executives and business travellers, offering American Express Global Lounge Collection access, Priority Pass membership, Platinum Travel & Lifestyle Service, Membership Rewards, hotel and rental car status benefits, American Express @Work reporting, data services and comprehensive business travel insurance.

Premium American Express Corporate Platinum Card for Swiss business clients
CHF 650 annual fee per card
1 Membership Rewards point for every CHF 1 spent

Joining fees

CHF 650 per card

Renewal fees

CHF 650 per card per year

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Cembra Money Bank

Cembra Certo! One Mastercard World

Cembra Certo! One Mastercard World is a Swiss no-annual-fee cashback credit card. It gives 1% money back at three favourite merchants of your choice, 0.25% money back on all other purchases, optional additional cards, mobile and contactless payments, Cembra app controls, and best price guarantee insurance.

No annual fee
1% money back at three favourite merchants of your choice
25% money back on all other purchases

Joining fees

0 CHF annual fee

Renewal fees

0 CHF annual fee

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Compare

Compare Cards

Card 1Card 2

Field	Cembra Certo! Mastercard World	SWISS Miles & More Classic Credit Card Duo
Bank/provider	Cembra Money Bank	SWISS Miles & More and Swisscard AECS
Joining fee	0 CHF annual fee	CHF 60 in the first year
Renewal fee	0 CHF annual fee	CHF 120 per year after the first year
Best for	Swiss customers who want a no-annual-fee cashback card Customers who regularly shop at Migros, Coop, and SBB Everyday shoppers who want cashback on other purchases	Swiss customers who want Miles & More travel rewards Customers who fly with SWISS, Lufthansa Group, or Star Alliance partners Customers who want to earn miles on everyday spending
Reward rate	1% money back at Migros 1% money back at Coop 1% money back at SBB 0.25% money back on all other purchases	Up to 1.5 miles for every CHF 2 spent 1.5 miles for every CHF 2 spent with the SWISS Miles & More American Express Classic card Lower mileage earning with the Mastercard World Classic card 2,000 miles welcome bonus
Cashback	1% money back at Migros, Coop, and SBB 25% money back on all other purchases Cashback is credited through the Certo! Cashback benefits programme Cashback value is linked to eligible card purchases	Not available Value is provided through Miles & More miles instead of cashback Miles can be redeemed for travel and rewards
Lounge access	Not specified	Not specified
Fuel surcharge waiver	Not available	Not available
Welcome benefit	50 CHF starting credit	2,000 miles welcome bonus
Annual fee waiver condition	No annual fee	Not specified
Eligibility	Resident of Switzerland Applicant must meet Cembra Money Bank credit requirements Valid Swiss address and contact details required	Resident of Switzerland Miles & More membership required or created during application Applicant must meet Swisscard AECS credit requirements
Apply link	Apply Now	Apply Now

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