Go Back   English Forum Switzerland > Help & tips > Finance/banking/taxation
Reply
 
Thread Tools Display Modes
  #1  
Old 20.11.2015, 13:13
Newbie 1st class
 
Join Date: Oct 2015
Location: Zurich
Posts: 18
Groaned at 1 Time in 1 Post
Thanked 2 Times in 2 Posts
kamudo has no particular reputation at present
Bonviva Package Comparison and benefits.

Dear all,

Just wanted to know if anyone substantially benefited from the Gold or Platinum Bonviva packages, is it worth paying double and then double again for Gold and then Platinum. Besides earning 1.5 points for every CHF spend in Gold and 2 points for every CHF in Platinum as well as the wollop of initial points that they offer.

Looking to see if anyone has any interesting stories to share. Like making use of Priority pass or Concierge Service. Maybe their so called "Comprehensive security and travel services"

Cheers
Kirill

P.S I have already looked at their comparisons on the web and the links are attached below.

Comparison Page:
here

Reward Shop to see what one could get for his/her hard earned points:
here
Reply With Quote
  #2  
Old 20.11.2015, 13:55
Senior Member
 
Join Date: Jun 2009
Location: Zurich
Posts: 321
Groaned at 12 Times in 11 Posts
Thanked 145 Times in 83 Posts
poot is considered knowledgeablepoot is considered knowledgeablepoot is considered knowledgeable
Re: Bonviva Package Comparison and benefits.

Don't do it- they are a rip off
Reply With Quote
  #3  
Old 20.11.2015, 14:05
eyebeebe's Avatar
Forum Veteran
 
Join Date: May 2009
Location: Pfäffikon SZ
Posts: 1,098
Groaned at 11 Times in 10 Posts
Thanked 955 Times in 476 Posts
eyebeebe has a reputation beyond reputeeyebeebe has a reputation beyond reputeeyebeebe has a reputation beyond reputeeyebeebe has a reputation beyond repute
Re: Bonviva Package Comparison and benefits.

Surely it's on an individual basis. How much you travel and fly in particular and whether use of the lounges is of value for you. How much does the extra interest earn you. Do you have travel insurance already. Is having multiple currency accounts and indeed multiple private accounts of benefit to you.
Reply With Quote
  #4  
Old 20.11.2015, 14:22
Newbie 1st class
 
Join Date: Oct 2015
Location: Zurich
Posts: 18
Groaned at 1 Time in 1 Post
Thanked 2 Times in 2 Posts
kamudo has no particular reputation at present
Re: Bonviva Package Comparison and benefits.

Quote:
View Post
Don't do it- they are a rip off
but...but.. they were so friendly in the branch. Besides 15CHF for Silver does not seem so excessive, and with 50% off for the first year I could get Gold for 20CHF.

What would be a good alternative?
Reply With Quote
  #5  
Old 20.11.2015, 14:34
Newbie 1st class
 
Join Date: Oct 2015
Location: Zurich
Posts: 18
Groaned at 1 Time in 1 Post
Thanked 2 Times in 2 Posts
kamudo has no particular reputation at present
Re: Bonviva Package Comparison and benefits.

Quote:
View Post
Surely it's on an individual basis. How much you travel and fly in particular and whether use of the lounges is of value for you. How much does the extra interest earn you. Do you have travel insurance already. Is having multiple currency accounts and indeed multiple private accounts of benefit to you.
I completely agree, eyebeebe, everything is fit for an individual on individual basis, however what I was interested in is if anyone had to make any claims with them via their travel insurance and if it was relatively straight forward. As for travel lounges its just a curiosity, whats it like never actually been to one before.

The multiple currencies accounts I think might make your life a little bit easier, but the exchange rate, I suspect, will not be that favorable, basing this on the 5000EURO I had to transfer via SEPA to CS
Reply With Quote
  #6  
Old 20.11.2015, 14:36
Aleydis's Avatar
Forum Veteran
 
Join Date: Oct 2007
Location: Zurich
Posts: 765
Groaned at 22 Times in 21 Posts
Thanked 527 Times in 281 Posts
Aleydis has earned the respect of manyAleydis has earned the respect of manyAleydis has earned the respect of many
Re: Bonviva Package Comparison and benefits.

Quote:
View Post
but...but.. they were so friendly in the branch. Besides 15CHF for Silver does not seem so excessive, and with 50% off for the first year I could get Gold for 20CHF.

What would be a good alternative?
These are the initial prices they show you in order to lure you in. You will end up paying CHF45x4 p.a. for Silver.

A friendly person.. He he.
Reply With Quote
  #7  
Old 20.11.2015, 14:40
Belgianmum's Avatar
Forum Legend
 
Join Date: Jan 2010
Location: Was Belgium now Neuchâtel
Posts: 8,220
Groaned at 60 Times in 57 Posts
Thanked 10,241 Times in 4,924 Posts
Belgianmum has a reputation beyond reputeBelgianmum has a reputation beyond reputeBelgianmum has a reputation beyond reputeBelgianmum has a reputation beyond reputeBelgianmum has a reputation beyond reputeBelgianmum has a reputation beyond repute
Re: Bonviva Package Comparison and benefits.

Quote:
View Post
These are the initial prices they show you in order to lure you in. You will end up paying CHF45x4 p.a. for Silver.

A friendly person.. He he.
Isn't that what he said?

15CHF per month is the same as 45 x 4 is it not?
Reply With Quote
  #8  
Old 20.11.2015, 15:00
aSwissInTheUS's Avatar
Forum Legend
 
Join Date: Nov 2007
Location: Zurich area
Posts: 5,061
Groaned at 40 Times in 38 Posts
Thanked 7,137 Times in 3,240 Posts
aSwissInTheUS has a reputation beyond reputeaSwissInTheUS has a reputation beyond reputeaSwissInTheUS has a reputation beyond reputeaSwissInTheUS has a reputation beyond reputeaSwissInTheUS has a reputation beyond reputeaSwissInTheUS has a reputation beyond repute
Re: Bonviva Package Comparison and benefits.

Assuming you have 100k in your savings account.
Classic 15x12 - 250 = -70
Gold 40x12 - 500 = -20
Platinum 80x12 - 750 = 210
-> Go for Classic (Free from 72k)

Assuming you have 150k in your savings account.
Classic 15x12 - 375= -195
Gold 40x12 - 750= -270
Platinum 80x12 - 1125= -165
-> Go for Gold (Better than classic from 120k / First year 24k)

Assuming you have 250k in your savings account.
Classic 15x12 - 625= -445
Gold 40x12 - 1250 = -770
Platinum 80x12 - 1875 = -915
-> Go for Platinum (Better than Gold from 192k / First year 96k)
Reply With Quote
This user would like to thank aSwissInTheUS for this useful post:
  #9  
Old 20.11.2015, 15:43
qoz qoz is offline
Newbie 1st class
 
Join Date: Nov 2015
Location: Zurich
Posts: 15
Groaned at 0 Times in 0 Posts
Thanked 21 Times in 6 Posts
qoz has earned some respectqoz has earned some respect
Re: Bonviva Package Comparison and benefits.

I have the platinum package. I have been meaning to cancel it.

I hardly ever use the priority pass. I travel a lot between Amsterdam and Zurich, but both those airports have cafes and public spaces that are nicer than the priority lounge. The priority lounge is always crowded and nearly always has screaming kids. If I am doing a trip outside of Europe, I am usually flying business class anyway so the priority pass is redundant. I did use the pass once or twice in dodgy Asian airports where the lounge was the only civilized place in the building. But you can just pay $10 for entry if you don't have a pass.

Double points on the credit card are good... except it's an American Express, which isn't widely accepted. So I would probably be just as well off on the gold package with points on the gold visa. That said, I did get a few hundred franc in vouchers for Manor, plus a robot vacuum cleaner, plus some other odds and ends in the last 2 years.

I've never used the concierge service.
Reply With Quote
This user would like to thank qoz for this useful post:
  #10  
Old 20.11.2015, 15:49
qoz qoz is offline
Newbie 1st class
 
Join Date: Nov 2015
Location: Zurich
Posts: 15
Groaned at 0 Times in 0 Posts
Thanked 21 Times in 6 Posts
qoz has earned some respectqoz has earned some respect
Re: Bonviva Package Comparison and benefits.

Oh and the travel insurance is also on the American Express card. The travel insurance is only valid if you book your travel using the credit card. And I was often not able to use the Amex when booking flights online. So that is also pretty useless.
Reply With Quote
This user would like to thank qoz for this useful post:
  #11  
Old 20.11.2015, 15:55
Newbie 1st class
 
Join Date: Oct 2015
Location: Zurich
Posts: 18
Groaned at 1 Time in 1 Post
Thanked 2 Times in 2 Posts
kamudo has no particular reputation at present
Re: Bonviva Package Comparison and benefits.

Quote:
View Post
Isn't that what he said?

15CHF per month is the same as 45 x 4 is it not?
Yep, you absolutely correct, but I think what he means given that its 50% off right now it will only be 7.5CHF for the first year, then its back to normal 15CHF
Reply With Quote
  #12  
Old 20.11.2015, 15:58
Newbie 1st class
 
Join Date: Oct 2015
Location: Zurich
Posts: 18
Groaned at 1 Time in 1 Post
Thanked 2 Times in 2 Posts
kamudo has no particular reputation at present
Re: Bonviva Package Comparison and benefits.

Quote:
View Post
Oh and the travel insurance is also on the American Express card. The travel insurance is only valid if you book your travel using the credit card. And I was often not able to use the Amex when booking flights online. So that is also pretty useless.
That is bloody useful information, that is exactly what I was hopping to hear, thank you sir, or madam!
Reply With Quote
  #13  
Old 20.11.2015, 16:05
Newbie 1st class
 
Join Date: Oct 2015
Location: Zurich
Posts: 18
Groaned at 1 Time in 1 Post
Thanked 2 Times in 2 Posts
kamudo has no particular reputation at present
Re: Bonviva Package Comparison and benefits.

Quote:
View Post
Assuming you have 100k in your savings account.
Classic 15x12 - 250 = -70
Gold 40x12 - 500 = -20
Platinum 80x12 - 750 = 210
-> Go for Classic (Free from 72k)

Assuming you have 150k in your savings account.
Classic 15x12 - 375= -195
Gold 40x12 - 750= -270
Platinum 80x12 - 1125= -165
-> Go for Gold (Better than classic from 120k / First year 24k)

Assuming you have 250k in your savings account.
Classic 15x12 - 625= -445
Gold 40x12 - 1250 = -770
Platinum 80x12 - 1875 = -915
-> Go for Platinum (Better than Gold from 192k / First year 96k)
You went way beyond the call of duty, thank you so much! This very helpful information as far as having saving against the account costs. Now all I have to do is get myself some savings but as I move through the thresholds, I am sure I can upgrade. Cheers!
Reply With Quote
  #14  
Old 25.11.2015, 16:05
mek mek is offline
Junior Member
 
Join Date: Feb 2015
Location: Zurich
Posts: 51
Groaned at 5 Times in 4 Posts
Thanked 18 Times in 6 Posts
mek has earned some respectmek has earned some respect
Re: Bonviva Package Comparison and benefits.

I hate this product so much. I am a CS Bonviva Customer.

What is needed is a good, independent bank not comedy Postbank with their toytown card. I still don't understand why CS charge me a EUR1.5 fee to spend euros from using a maestro card for a euro account, or EUR23 to transfer EUR using SEPA standard IBAN payments. Well actually I do, it's because they can.

When you find a good, independent bank do let me know! It has been on my list for coming up to a year.
Reply With Quote
The following 2 users would like to thank mek for this useful post:
Reply




Currently Active Users Viewing This Thread: 1 (0 members and 1 guests)
 
Thread Tools
Display Modes

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off
Trackbacks are Off
Pingbacks are Off
Refbacks are Off


Similar Threads
Thread Thread Starter Forum Replies Last Post
BONVIVA program from Credit Suisse - Any killer deals? Küsnacht Finance/banking/taxation 8 11.06.2016 16:45
Comparison of Swisspass first and second class ticket Nima_h Transportation/driving 1 14.06.2010 14:05
Redundancy package and RAV Benefits SwissBagLady Employment 14 31.08.2009 22:49
Deputy General Counsel - Unique Job Opportunity Excellent Package And Benefits sarah_groundsell Jobs wanted 0 19.10.2005 12:22


All times are GMT +2. The time now is 06:01.


Powered by vBulletin® Version 3.8.4
Copyright ©2000 - 2016, Jelsoft Enterprises Ltd.
LinkBacks Enabled by vBSEO 3.1.0