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Old 19.10.2017, 17:51
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Swiss credit cards - air miles, reward points?

Any one know if any of the Swiss banks or other institutions do a credit card with air miles or bonus points attached?

I am encouraged to use my own credit card to book work related accommodation, care rentals meals etc. when on company business, it appears if I was anywhere else than Switzerland I could get card that awards spending like the Hilton HHonors card and benefit personally when I'm paying.
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Old 19.10.2017, 17:54
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Re: Swiss credit cards - air miles, reward points?

I have a UBS card and they offer 'Keyclub points' - you acquire an amount based on what you spend and can then spend the points on different things..


No idea about any others, but might be worth looking at.
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Old 19.10.2017, 17:58
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Re: Swiss credit cards - air miles, reward points?

Credit card companies have been hard pressed into cutting commissions so good offers are hard to come by these days.

One of the more generous offers is TCS Mastercard Gold - 1% kickback in cash.

Free cards from cumulus and coop give about 0.3% in respective store points
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Old 19.10.2017, 18:14
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Re: Swiss credit cards - air miles, reward points?

Cards provided through Viseca (such as the Cantonal Bank Mastercard) have a reward programme called Surprize. We have a gold card and try to use it for every purchase, large or small, and each year we build up enough points to get the annual card fee waived, plus some left over to exchange for shopping vouchers.
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Old 19.10.2017, 18:40
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Re: Swiss credit cards - air miles, reward points?

No
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Cards provided through Viseca (such as the Cantonal Bank Mastercard) have a reward programme called Surprize. We have a gold card and try to use it for every purchase, large or small, and each year we build up enough points to get the annual card fee waived, plus some left over to exchange for shopping vouchers.
If you want to make your comment useful, state the monetary value of these points
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Old 19.10.2017, 19:00
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Re: Swiss credit cards - air miles, reward points?

Not to steal the thread from the OP, but this is an issue that I'll be wrestling with when I move to Switzerland. I'm a huge miles and points guy in the US. Probably have 15 different credit cards, but use 2 of them mostly.

But, from what I have read the idea of miles and points, don't really translate to switzerland. They don't have a Chase Saphire Reserve, or a Citi Prestige style card.

You could continue to use your US (or whatever country you may be from originally) based cards, as long as they don't have foreign exchange fees, and most reward earning cards don't. The issue will be paying the bill. pay from US accounts or transfer cash back to pay them, which has it's own costs, which coupon negate any rewards...
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Old 20.10.2017, 11:00
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Re: Swiss credit cards - air miles, reward points?

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No
If you want to make your comment useful, state the monetary value of these points
That's a strangely unfriendly response

Surprize is not a straight cashback scheme, you collect points to exchange for an extensive range of gifts or vouchers (for stores like Manor, for Swiss, travel agencies, BP, lots of different stuff). The rate of return for the vouchers varies widely. They give 1 point per CHF spent, but you earn double points at the Migros and Coop. For 48,000 points the annual fee is waived. Recently they were offering 20 CHF Manor vouchers for 5200 points, but that was a special offer.
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Old 20.10.2017, 11:29
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Re: Swiss credit cards - air miles, reward points?

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Cards provided through Viseca (such as the Cantonal Bank Mastercard) have a reward programme called Surprize. We have a gold card and try to use it for every purchase, large or small, and each year we build up enough points to get the annual card fee waived, plus some left over to exchange for shopping vouchers.
Hi Tom, where can I see the "prizes" that can be exchanged for the points?
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Old 20.10.2017, 13:09
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Re: Swiss credit cards - air miles, reward points?

Google Swiss Miles and more credit card...
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Old 20.10.2017, 13:39
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Re: Swiss credit cards - air miles, reward points?

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Hi Tom, where can I see the "prizes" that can be exchanged for the points?
https://www.surprize.ch/uberraschungen-pramien
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Old 04.11.2017, 09:41
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Re: Swiss credit cards - air miles, reward points?

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Credit card companies have been hard pressed into cutting commissions so good offers are hard to come by these days.

One of the more generous offers is TCS Mastercard Gold - 1% kickback in cash.

Free cards from cumulus and coop give about 0.3% in respective store points
Thanks I'll have a look at this.
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Old 13.12.2017, 16:59
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Re: Swiss credit cards - air miles, reward points?

Another credit card nerd here (but brand new to Switzerland). Even outside of churning (maximizing credit card signup bonuses) there are some awesome cash-back US / UK cards you should be using here in Switzerland regularly. My current favorite is the Uber Card from Barclays. Even if you're required to pay currency conversion fees to pay your bills (just 1% if you use Transferwise), it pays off. Details below:

https://www.uber.com/en-CH/c/uber-credit-card/
-4% cash back for restaurants
-3% cash back for hotels and flights
-2% cash back for all online purchases
-1% cash back for everything else
-No foreign transaction fee
-No annual fee
-Chip+Sig AND Chip+Pin technology (it uses pin when signature is not available, e.g. at kiosks)
-Pay your cell phone bill with it and get $600 in damage and theft protection

If you need to convert CHF to USD (or GBP), Transferwise costs just 1%. You're either breaking even or in the green on every use. Plus, maintaining an active credit history can be good if you ever want to repatriate.

As I'm a newbie in CH, I'm wondering if anyone else knows if there a way to pay off US cards from a Swiss bank account with no currency conversion fees? (or less than the 1% at Transferwise)
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Old 13.12.2017, 17:09
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Re: Swiss credit cards - air miles, reward points?

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(just 1% if you use Transferwise)
That´s not "just" for me
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Old 13.12.2017, 17:24
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Re: Swiss credit cards - air miles, reward points?

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Another credit card nerd here (but brand new to Switzerland). Even outside of churning (maximizing credit card signup bonuses) there are some awesome cash-back US / UK cards you should be using here in Switzerland regularly. My current favorite is the Uber Card from Barclays. Even if you're required to pay currency conversion fees to pay your bills (just 1% if you use Transferwise), it pays off. Details below:

https://www.uber.com/en-CH/c/uber-credit-card/
-4% cash back for restaurants
-3% cash back for hotels and flights
-2% cash back for all online purchases
-1% cash back for everything else
-No foreign transaction fee
-No annual fee
-Chip+Sig AND Chip+Pin technology (it uses pin when signature is not available, e.g. at kiosks)
-Pay your cell phone bill with it and get $600 in damage and theft protection

If you need to convert CHF to USD (or GBP), Transferwise costs just 1%. You're either breaking even or in the green on every use. Plus, maintaining an active credit history can be good if you ever want to repatriate.

As I'm a newbie in CH, I'm wondering if anyone else knows if there a way to pay off US cards from a Swiss bank account with no currency conversion fees? (or less than the 1% at Transferwise)
Are you sure that is ALL restaurants, hotels etc? Website says it is according to MCC and that could in principle include but also exclude a lot.


Annual Fee: $0. For purchases and balance transfers, the variable APR is 15.99%, 21.74% or 24.74% depending upon our review of your application and your credit history at account opening. The variable APR for cash advances is 25.99%. The APRs on your account will vary with the market based on the Prime Rate. The minimum monthly interest charge will be $0.50. Balance transfer fee: 3% (min. $10). Cash advance and cash equivalent fees: 5% (min. $10). Foreign transaction fee: 0%. This information is accurate as of 10/25/2017 and is subject to change after this date. See Terms and Conditions for more information about the terms of this offer.
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Old 13.12.2017, 20:02
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Re: Swiss credit cards - air miles, reward points?

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Another credit card nerd here (but brand new to Switzerland). Even outside of churning (maximizing credit card signup bonuses) there are some awesome cash-back US / UK cards you should be using here in Switzerland regularly. My current favorite is the Uber Card from Barclays. Even if you're required to pay currency conversion fees to pay your bills (just 1% if you use Transferwise), it pays off. Details below:

https://www.uber.com/en-CH/c/uber-credit-card/
-4% cash back for restaurants
-3% cash back for hotels and flights
-2% cash back for all online purchases
-1% cash back for everything else
-No foreign transaction fee
-No annual fee
-Chip+Sig AND Chip+Pin technology (it uses pin when signature is not available, e.g. at kiosks)
-Pay your cell phone bill with it and get $600 in damage and theft protection

If you need to convert CHF to USD (or GBP), Transferwise costs just 1%. You're either breaking even or in the green on every use. Plus, maintaining an active credit history can be good if you ever want to repatriate.

As I'm a newbie in CH, I'm wondering if anyone else knows if there a way to pay off US cards from a Swiss bank account with no currency conversion fees? (or less than the 1% at Transferwise)
So the card is billed in USD? Meaning you have an FX charge when you make a purchase in CHF. Then call it a month later when you have to pay your bill you again have to change CHF into USD. So before you take into account any movements in the FX rate between time of purchase and time of bill payment you are paying two sets of transaction fees. Are you sure that it’s really such a great deal? Also is the mobile phone insurance valid in Switzerland and can you even pay your bill by CC here? I’ve never seen that as an option.
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Old 13.12.2017, 23:47
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Re: Swiss credit cards - air miles, reward points?

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As I'm a newbie in CH, I'm wondering if anyone else knows if there a way to pay off US cards from a Swiss bank account with no currency conversion fees? (or less than the 1% at Transferwise)
Revolut doesn't charge any conversion fees and uses interbank rate for FX. The only charge is your bank fee for transferring CHF to their UK account (also in CHF), but that's a flat fee of only a few francs.
Comes out cheaper than Transferwise.
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Old 08.06.2018, 14:37
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Re: Swiss credit cards - air miles, reward points?

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Another credit card nerd here (but brand new to Switzerland). Even outside of churning (maximizing credit card signup bonuses) there are some awesome cash-back US / UK cards you should be using here in Switzerland regularly. My current favorite is the Uber Card from Barclays. Even if you're required to pay currency conversion fees to pay your bills (just 1% if you use Transferwise), it pays off. Details below:

https://www.uber.com/en-CH/c/uber-credit-card/
-4% cash back for restaurants
-3% cash back for hotels and flights
-2% cash back for all online purchases
-1% cash back for everything else
-No foreign transaction fee
-No annual fee
-Chip+Sig AND Chip+Pin technology (it uses pin when signature is not available, e.g. at kiosks)
-Pay your cell phone bill with it and get $600 in damage and theft protection

If you need to convert CHF to USD (or GBP), Transferwise costs just 1%. You're either breaking even or in the green on every use. Plus, maintaining an active credit history can be good if you ever want to repatriate.

As I'm a newbie in CH, I'm wondering if anyone else knows if there a way to pay off US cards from a Swiss bank account with no currency conversion fees? (or less than the 1% at Transferwise)
I use "interactive brokers" to change money. They have interbank rates, I transfer for free to them, I also get one free ACH transfer to the US each month. It costs $2 per transaction. If you also buy stocks, they are a great choice as well since their commisions are really low.
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Old 20.10.2017, 11:24
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Re: Swiss credit cards - air miles, reward points?

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... it appears if I was anywhere else than Switzerland I could get card that awards spending like the Hilton HHonors card and benefit personally when I'm paying.
That's not the case at all.

Some employers - particularly government bodies - prohibit their employees privately benefiting from business travel arangements. Please check with your HR department before going down this route.

By 'own credit card', do you mean your personal card, or your personal business card issued by your employer as opposed to a centralised / lodge card?

Does your employer have a travel management company? Do they have a list of prefered travel and/or accommodation suppliers?
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Old 04.11.2017, 09:35
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Re: Swiss credit cards - air miles, reward points?

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That's not the case at all.

Some employers - particularly government bodies - prohibit their employees privately benefiting from business travel arangements. Please check with your HR department before going down this route.

By 'own credit card', do you mean your personal card, or your personal business card issued by your employer as opposed to a centralised / lodge card?

Does your employer have a travel management company? Do they have a list of prefered travel and/or accommodation suppliers?
The company I work for (non Gov) prefers individuals to pay for travel and accom from their own card, even via our travel management company and then claim it back, I do have a company card buts it's a pain (no online statement access).

The reason for the thread that if I sourced a card specifically for work travel and keep it separate from my personal finances, could there be a benefit?
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Old 04.11.2017, 09:37
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Re: Swiss credit cards - air miles, reward points?

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The company I work for (non Gov) prefers individuals to pay for travel and accom from their own card, even via our travel management company and then claim it back, I do have a company card buts it's a pain (no online statement access).

The reason for the thread that if I sourced a card specifically for work travel and keep it separate from my personal finances, could there be a benefit?
You wouldn't have to go through keeping all the receipts (if the company trusts you - which I assume here) and just handing in the whole statement?
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