Has anyone used the Migros credit card, and would you recommend it?

I'm looking for a credit card mainly to be able to make purchases on the internet (Amazon, Ebay etc...). I don't need a huge limit because I won't be buying anything I can't afford, and I won't be using the credit card that much anyway.

We've had the Migros credit card for a while now, and though we don't use it a lot, it is useful. It can be used the same as an ordinary Master Card, but you get extra Cumulus points when you pay for something with it. Not an enormous amount, but it does add up. Just be careful as the percentage added for exchange is more when used inside CH, -- but that's the same with other cards. But we've had no problems with it. When you pay with it at Migros your Cumulus points are added automatically and you don't need the Cumulus card.

I got the Co-op rather than the Migros one because when buying things abroad (incl. foreign internet sites) there is a 1.5% charge with the Co-op card and a 2% with the Migros one.

Check that these figures are still current. Both cards are free, and Co-op now have a Visa card as well.

for posterity
http://www.coop.ch/pb/site/common/no...Lde/index.html
http://www.moneybasics.ch/de/kredit-...en/kosten.html migro

Have just cancelled the coop card as they sent me the bill every month about the 9th, as I always pay my bills at the end of the month they started charging me 20fr every time I didnt pay within 10 days(which I always forgot) I tried phoning 3 times to ask if they couldnt send the bill at the end of the month but that wasnt possible

we still us the migros card and we are happy with it...

I got the Migros card just because you can personalise it. I stopped using it because my wife was watching me every time I spent money!!

Heavy users may be better of with e.g. a UBS card. The return I get on keycard points is more than the annual fee. And I can set up a direct debit to pay off in full each month. Can you do that with a Migros card? ( I would have thought so ).

the last thing to do is to take a UBS credit card.... this bank is not clientfrindly...
the raiffeisen credit card is very good you spend for one year 100Fr but with this card is a museumpass included.

we have booth the raiffeisen and the migros card and booth are very good

there is some kind of cashback offer on postfinance cards. Cunningly, I think UBS Cardcenter manages those!!

Wow, what naughty people, that's Chf 5.-- more...............for every Chf 1'000.-- you spend

We are using Migros as well as Coop Card. We are very happy with Migros Card. The interest rate on open balance is only 9.9% which is amongst lowest (I had UBS and Swiss card and it has 14%+).

There is no annual fee and you get Cumulas points in and outside Migros purchase which is equivalent to Cash when used in Migros. For Most of the miles and UBS kind of card, you redeem the points for a very unfair price.

Sorry to revive an old thread but i have a question regarding the migros card.

It says, when you pay at migros using the card you get 1 point per CHF spent. When using migros CC to pay outside of migros you get 1 point per 2CHF spent.

My question is: the 1 point per CHF while in migros, is it on top of the point you already get by using cumulus or is cumulus obsolete when using the CC?

For example: i go to migros buy for 70chf pay with cashcard and cumulus and get 70 points.
If i pay the same purchase with a migros CC and cumulus, do i get 70 points or 140 points?

Thanks in advance

It is in addition, so you would, in your example, get 140 points

Great, thanks.

For domestic use, yes since there is no annual fee. For use abroad, i.e. with other currencies, it depends on your usage since there is a charge for paying in foreign currencies.

BTW, the credit card is not from Migros, it's a Migros-branded MasterCard from GE Mon(k)ey Bank.

What about buying from a German company in Swiss francs?

Using your example, you get 70 Cumulus points when paying with the Migros Credit Card. You do not automatically get double points just for using the credit card.

At the checkout desk, once all your items have been totalled, you should first give your Migros Credit Card to the assistant to swipe so that you get your Cumulus points added to your account. When s/he returns it to you, then you enter it into the card reader machine to finalize the payment with your PIN.

Your M-Cumulus Card number is shown on the reverse of the credit card and is barcoded there. This is what the checkout representative swipes. See this link from the Migros.ch website regarding the accumulation of Cumulus points - http://www.migros.ch/cumulus/de/cumu...e-sammeln.html. (Google Translate gives an easily understood translation of this).

There are times when double points are awarded, such as on particular *days or for special promotions etc and which applies whether you use the Migros Credit Card or the M-Culumus Card. Neither has advantage over the other.

*In my local Migros, double points are awarded every Thursday.

Yeah, and that 5 CHF is better in my pocket than in the bank's. I guess thats why I have never, ever been in debt. Each to their own....

You only go in debt with a credit card if you miss use it.

My husband has a credit card, there are things we can only buy with a credit card or are easier to do so using one, for example paying for leshop order, booking with easyjet, buying something from mail order, etc.

We keep track of everything we buy using the credit card and know that they take out their payment on the 16th of each month, all we do is make sure our current account has enough to cover those costs and we never had to pay a cent in interest or missed payments.

I was thinking of getting a migros one for myself, but thanks to the advice on this thread have realised the 2% charge of overseas purchases does not suit my needs.