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Old 30.09.2014, 09:39
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CC and Debit cards

I've only had a Maestro with UBS since I came here, but as my banking needs have changed (got a job), I'll probably want to get a CC with UBS, primarily for those occasions where I'm abroad on holidays, shop online etc.

So EF'ers, Mastercard or Visa? I know some CCs include free insurance when you book a flight etc; all in all, which card would you say is better, if any? Our weekend trips are often in this area of central/southern Europe plus a yearly trip off the continent.
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Old 30.09.2014, 10:30
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Re: CC and Debit cards

If your bank is UBS and you have a B permit, then UBS will give you two cards: VISA and MasterCard. They're both tied to the same account, so it won't matter which one you'll use.
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Old 30.09.2014, 10:57
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Re: CC and Debit cards

Be careful to read all the terms and conditions. In German, our CC included travel insurance, including health, here it almost never includes travel insurance (or just flight cancellation etc), so might not be worth to upgrade for the insurance.
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Old 30.09.2014, 11:11
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Re: CC and Debit cards

For travel insurance outside the EU, contact your health insurance provider, they might do single trip insurances (as in the EU you have basic coverage). Lots of insurances often don't include "Heilungskosten" (that means, they won't actually pay for your stay in hospital etc., just forward you the money and then demand it back). So read the terms and conditions carefully.
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Old 30.09.2014, 11:14
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Re: CC and Debit cards

you get tiered services with credit cards and the gold cards will have better insurance cover - like extra insurance for rental cars, flights, travel, etc.

the basic card will have basic cover insofar that the issuer is jointly liable for transactions you make using the card.
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