In this guide, we break down the best credit cards in Switzerland for expats in 2025 — based on fees, foreign exchange rates, rewards, and ease of approval.
1. Swisscard Cashback Cards (Mastercard/Visa)
Best for: Everyday cashback & no annual fees
Why it’s great:
No annual fee
1% cashback on purchases (Amex), 0.2% (Mastercard/Visa)
Free mobile app for spending tracking
Ideal for: New expats who want simplicity and savings on daily spending.
2. Revolut (Metal or Premium)
Best for: Travel-friendly, digital expats
Why it’s great:
Zero foreign transaction fees (FX)
Global ATM withdrawals
Built-in budgeting, crypto, and stock tools
Ideal for: Digital nomads or travelers who move between countries often.
3. Cumulus Mastercard (Migros Bank)
Best for: Grocery and family purchases
Why it’s great:
No annual fee
Cumulus points on every CHF spent (redeemable at Migros stores)
Accepted widely
Ideal for: Expats with families or those who shop frequently at Migros.
4. Cornèrcard Miles & More (Gold)
Best for: Lufthansa travelers and frequent flyers
Why it’s great:
Earn miles for every CHF spent
Travel insurance included
Access to airport lounges (premium version)
Ideal for: Expats flying frequently across Europe or globally.
5. American Express Platinum Switzerland
Best for: Luxury perks & business expats
Why it’s great:
VIP travel benefits (airport lounges, upgrades)
Hotel loyalty program access
Concierge services & premium insurance
Ideal for: High-income expats looking for comfort and exclusivity.
6. Coop Supercard Credit Card
Best for: Everyday shoppers at Coop
Why it’s great:
No annual fee
Earn Superpoints on every spend
Extra discounts at Coop partner stores
Ideal for: Students, young professionals, or families on a budget.
✅ Things to Consider Before Choosing:
Factor Why It Matters
Annual Fees Look for cards with no or low fees
Foreign Currency Fees Avoid cards that charge 1.5–2.5% FX fees
Rewards Cashback, travel miles, or grocery points? Choose based on your lifestyle
Credit Requirements Some cards require Swiss residency or a job contract
Language Support Some providers offer English apps and customer care
How to Apply for a Credit Card as an Expat in Switzerland
1. Have a Swiss bank account (like UBS, Credit Suisse, or online options like Neon or Revolut)
2. Provide residency proof – B/C/L permit or work contract
3. Show income proof – usually a salary statement or employment letter
4. Apply online or in-branch – approval usually takes 3–10 days
Final Words
Choosing the right credit card in Switzerland can save you money, simplify spending, and build financial credibility in your new home. Whether you prioritize cashback, miles, or digital freedom — the Swiss market offers options for every expat.
Start small, build your financial profile, and enjoy the convenience of cashless living in one of the most secure financial systems in the world.
✍️ Author’s Note:
Written by Narayan Behera, financial blogger at Genuine Hopes. This guide is based on fresh 2025 data and personal experience with Swiss banking tools for expats.
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Finance