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| I have just been PM'd about info, so i'll see what other ?'s i have after.
It was really about if there are any catches with payments in CH & abroad to a card that is free of yearly charges, as well as if the 300.- had to be spent at Jelmoli, as we don't have Jelmoli here in Luzern.
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There is the foreign exchange conversion (Wecshelkurs +Bearbeitungsgebuehr+...) you should consider if you're going to use it abroad. I did a research a couple of years ago. The best deal was VISA PostFinance (CHF).
An alternative would be to do a short trip to Germany, especially if if you are living near the border, open an EUR account at a Sparkasse and get an additional credit card. It depends on the currency you need and the amount you are planing to spend.