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.
Highlights
Main benefits
- No annual fee
- 1% money back at three favourite merchants of your choice
- 25% money back on all other purchases
- 50 CHF starting credit
- Best price guarantee insurance included
- Cembra app supports cashback overview and merchant selection
- 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! One Mastercard World product page
2. Review the cashback, annual fee, insurance, 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 choose your three favourite merchants in the Cembra app
Value
Reward and cashback structure
Reward rate
1% money back at three favourite merchants of your choice
0.25% money back on all other purchases
Cashback credited through the Certo! Cashback benefits programme
Best price guarantee insurance included
Cembra app supports merchant selection and cashback overview
No annual fee
Cashback
1% money back at three favourite merchants of your choice
25% money back on all other purchases
Cashback is credited through the Certo! Cashback benefits programme
Cashback merchant selection can be managed in the Cembra app
Good fit
Pros
- No annual fee
- Strong 1% cashback at three chosen merchants
- 25% cashback on other purchases
- Flexible merchant selection adds practical value
- 50 CHF starting credit adds early value
- Best price guarantee insurance included
- Good everyday shopping card for Switzerland
- Mastercard acceptance is broad
Watchouts
Cons
- Highest cashback is limited to three selected merchants
- 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
Karten vergleichen
Karten vergleichen
| Field | Cembra Certo! One Mastercard World | SWISS Miles & More Classic Credit Card Duo |
|---|---|---|
| Bank/provider | Cembra Money Bank | SWISS Miles & More and Swisscard AECS |
| Ausgabegebühr | 0 CHF annual fee | CHF 60 in the first year |
| Verlängerungsgebühr | 0 CHF annual fee | CHF 120 per year after the first year |
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| Prämienrate |
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| Cashback |
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| Lounge-Zugang | Not specified | Not specified |
| Verzicht auf Kraftstoffzuschlag | Not available | Not available |
| Willkommensvorteil | 50 CHF starting credit | 2,000 miles welcome bonus |
| Jahresgebührenbefreiung | No annual fee | Not specified |
| Berechtigung |
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| Antragslink | Jetzt beantragen | Jetzt beantragen |
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