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.
Highlights
Main benefits
- Free Mastercard for TCS members
- Fuel discounts at BP, Tamoil, Ruedi Rüssel and Miniprix
- 5% TCS eCharge discount for EV charging
- 20% discount with TCS Park & Pay
- 1% cashback at selected travel and mobility partners
- Travel and flight accident insurance up to CHF 300,000
- Credit limit up to CHF 10,000
- Worldwide Mastercard acceptance
- Cembra App and eService access
- Can replace the standard TCS membership card
Fees
Fees and charges
Joining fee
CHF 0
Renewal fee
CHF 0
Annual fee waiver
No annual fee for the main card
No annual fee for additional cards
Who can apply
Eligibility
- Resident of Switzerland
- Swiss citizen or holder of residence permit B or C
- Minimum age 18 years
- Active TCS membership
- Approval by Cembra Money Bank AG after application review
Checklist
Documents required
- Valid ID card or passport
- Swiss residence permit B or C, where applicable
- Completed TCS Mastercard application
- Signed postal application documents when applying by computer and post
- Supporting documents requested by Cembra during application review
Process
How to apply
1. Open the TCS Member Mastercard application page
2. Choose the smartphone digital application or the computer postal application
3. Complete the online application with personal and TCS membership details
4. For smartphone application, scan your ID or passport using the phone camera
5. For postal application, print the application or request it by post
6. Sign the application and send it with the required documents to Cembra when using the postal route
7. After approval, use the digital card on your smartphone or receive the physical card by post
Value
Reward and cashback structure
Reward rate
4–5 centimes per litre discount at BP and Tamoil in Switzerland and Liechtenstein
2–3 centimes per litre discount at Ruedi Rüssel and Miniprix
5% discount with the TCS eCharge app at charging points in Switzerland and Europe
20% discount with TCS Park & Pay
1% cashback on spending at Swiss, Edelweiss, SBB, Mobility and Airbnb
10% cashback at Golfhotel Les Hauts de Gstaad
6% cashback at Fleurop and FleuropHome
5% additional discount at TCS Mietauto
Cashback
1% cashback at Swiss, Edelweiss, SBB, Mobility and Airbnb
10% cashback at Golfhotel Les Hauts de Gstaad
6% cashback at Fleurop and FleuropHome
Fuel discount is credited automatically on the next credit card statement
Good fit
Pros
- No annual fee for TCS members
- Strong practical savings for drivers
- Useful benefits for both fuel and EV charging
- Selected cashback partners include travel and mobility brands
- Includes travel accident insurance when trips are paid with the card
- Works worldwide wherever Mastercard is accepted
- Additional cards can also be free
Watchouts
Cons
- Only available to TCS members
- No general cashback on all purchases
- No airport lounge access
- Fuel discount is limited to partner petrol stations
- Foreign currency and international CHF transaction fees apply
- Cash withdrawals with the Member card carry fees
Related
Related cards
Compare
Compare Cards
| Field | TCS Member Mastercard | SWISS Miles & More Classic Credit Card Duo |
|---|---|---|
| Bank/provider | Cembra Money Bank AG / Touring Club Switzerland (TCS) | SWISS Miles & More and Swisscard AECS |
| Joining fee | CHF 0 | CHF 60 in the first year |
| Renewal fee | CHF 0 | CHF 120 per year after the first year |
| Best for |
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| Reward rate |
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| Cashback |
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| Lounge access | Not available | Not specified |
| Fuel surcharge waiver |
| Not available |
| Welcome benefit | Not specified | 2,000 miles welcome bonus |
| Annual fee waiver condition |
| Not specified |
| Eligibility |
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| Apply link | Apply Now | Apply Now |