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.
Highlights
Main benefits
- No annual fee
- 1% money back at Migros
- 1% money back at Coop
- 1% money back at SBB
- 25% money back on all other purchases
- 50 CHF starting credit
- Cembra app supports card and cashback overview
- Mobile and contactless payments supported
- Additional cards available
- Mastercard World acceptance in Switzerland and abroad
- Good fit for everyday Swiss shopping
- Issued by Cembra Money Bank
Fees
Fees and charges
Joining fee
0 CHF annual fee
Renewal fee
0 CHF annual fee
Annual fee waiver
No annual fee
Who can apply
Eligibility
- Resident of Switzerland
- Applicant must meet Cembra Money Bank credit requirements
- Valid Swiss address and contact details required
- Regular income and repayment capacity required
- Digital or paper identity verification required
- Subject to Cembra Money Bank credit assessment and approval
Checklist
Documents required
- Swiss identity card, passport, or valid residence permit
- Swiss address and contact details
- Income and employment details
- Bank account details for payments where required
- Additional documents requested during Cembra Money Bank’s application review
Process
How to apply
1. Visit the Cembra Certo! Mastercard World product page
2. Review the cashback, annual fee, mobile payment, and card benefit details
3. Start the online card application
4. Enter your personal, income, address, contact, and credit details
5. Complete the required identity verification process
6. Submit the application for Cembra Money Bank’s credit assessment
7. Activate the approved card and use it at Migros, Coop, SBB, and other Mastercard merchants
Value
Reward and cashback structure
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
Cashback credited through the Certo! Cashback benefits programme
No annual fee
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
Good fit
Pros
- No annual fee
- Strong 1% cashback at Migros, Coop, and SBB
- 25% cashback on other purchases
- Simple fixed-merchant cashback structure
- 50 CHF starting credit adds early value
- Good everyday card for Swiss residents
- Mastercard acceptance is broad
- Useful for regular grocery and public transport spending
Watchouts
Cons
- Highest cashback is limited to Migros, Coop, and SBB
- General cashback rate is 0.25%
- Lounge access is not specified
- Fuel surcharge waiver is not available
- Foreign transaction fees may apply
- Cash withdrawals can be expensive
- Credit approval is required
Related
Related cards
Compare
Compare Cards
| Field | Cembra Certo! Mastercard World | Cembra Certo! One Mastercard World |
|---|---|---|
| Bank/provider | Cembra Money Bank | Cembra Money Bank |
| Joining fee | 0 CHF annual fee | 0 CHF annual fee |
| Renewal fee | 0 CHF annual fee | 0 CHF annual fee |
| Best for |
|
|
| Reward rate |
|
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| Cashback |
|
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| Lounge access | Not specified | Not specified |
| Fuel surcharge waiver | Not available | Not available |
| Welcome benefit | 50 CHF starting credit | 50 CHF starting credit |
| Annual fee waiver condition | No annual fee | No annual fee |
| Eligibility |
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| Apply link | Apply Now | Apply Now |