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Cembra Money Bank review

Updated September 28, 2026 · DebitCue Editorial Team · Facts checked September 26, 2026

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Our verdict

Cembra Money Bank issues a credit card with an annual fee of CHF 0 that pays cashback on every purchase, which suits people who want rewards on everyday spending and no charge for the account. The APR is 13%, below the site median of 20.97%.

Key facts

Best for
A credit card with an annual fee of CHF 0 and cashback on every purchase.
Annual fee
CHF 0 (Source, checked September 26, 2026)
APR
13% (Source, checked September 26, 2026)
Rewards type
Cashback (Source, checked September 26, 2026)
Rewards rate
1% at 3 favourite merchants, 0.25% elsewhere (Source, checked September 26, 2026)
Perks
Price protection, Purchase protection, Travel assistance (Source, checked September 26, 2026)
Card kind
Credit (Source, checked September 26, 2026)
Legal entity
Cembra Money Bank AG (Source, checked September 26, 2026)
Support channels
Phone (Source, checked September 26, 2026)
Pricing model
No annual fee
Features
Rewards
Official website
cembra.ch

Apps and profiles

Get the app
App Store
Elsewhere
WikidataWikipediaLinkedIn

Pros and cons

Pros

  • Cashback on every purchase at 1% at 3 favourite merchants, 0.25% elsewhere, paid as cash rather than points or miles
  • Perks come as standard: price protection, purchase protection and travel assistance, so cover sits alongside the rewards
  • Support runs on phone, so a query can be settled in one call

Cons

  • Support runs on phone only, so there is no chat or email route
  • The APR of 13% costs real money and sits well above the 1.75% median for secured cards
  • Spending away from the favourite merchants draws the thinner part of 1% at 3 favourite merchants, 0.25% elsewhere
Cembra Money Bank

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Scored 9.0 / 10 by DebitCue.

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Who it suits

  • People whose card spending sits at a few favourite merchants, where 1% at 3 favourite merchants, 0.25% elsewhere pays most
  • Anyone who clears the balance each month and wants a reward for it, given the annual fee of CHF 0
  • Consumers who want a rewards card from a bank issuer, Cembra Money Bank AG, with support over phone

Who should look elsewhere

  • Wise, whose card also has an annual fee of £0, for anyone who does not want a borrowing card
  • Varo Believe Secured Credit Card, for anyone starting out on a secured card, where the annual fee is $0
  • Chime Card (Secured Visa Credit Card), which charges $0 and is secured rather than a cashback card

Fees and FX

The credit card carries an annual fee of CHF 0 and an APR of 13%. That rate sits below the site median of 20.97% and in line with the lower quartile of 13.14%, so carrying a balance is easier to plan than on a typical card in the comparison. On annual fee the card ranks 1 among 301 brands compared.

The company behind it

The card is issued by Cembra Money Bank AG, the bank named on the account behind it. Support runs on phone only, so a call is the direct route for a question about a payment, a statement or a fee. Alongside the cashback, the card carries price protection, purchase protection and travel assistance, so there is cover on the purchase side as well as a reward for spending.

How Cembra Money Bank compares

Where Cembra Money Bank is available

Available
Switzerland

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

What does the Cembra Money Bank credit card cost to hold?+

The annual fee is CHF 0, so there is no yearly charge for keeping the account open. Borrowing is the part that costs, and the APR is 13%. Clear the balance each month and the card costs nothing beyond the rewards, with cashback at 1% at 3 favourite merchants, 0.25% elsewhere on top.

How much cashback does the card pay?+

Rewards are cashback rather than points, at 1% at 3 favourite merchants, 0.25% elsewhere. The stronger rate applies at a short list of favourite merchants and a weaker rate elsewhere, so spending that is already habitual pays more. There is nothing to redeem, since the rewards type is cashback.

Is this a debit card or a credit card?+

It is a credit card, so it works as a borrowing account rather than a place to keep money. Spending is repaid from the card balance, and the APR of 13% is what that borrowing costs. Anyone who wants to hold a balance rather than owe one wants a different product.

What extras come with the card?+

The card carries price protection, purchase protection and travel assistance, which sit alongside the cashback at 1% at 3 favourite merchants, 0.25% elsewhere. Those benefits belong to the account rather than to a single purchase, so they do not depend on how much is spent in a month. The issuer is Cembra Money Bank AG, the bank named on the account.

How do I get help with the card?+

Support runs on phone only, so a call is the direct route for anything to do with a payment, a statement or the card itself. That is the channel for a query about the annual fee of CHF 0 or the cashback at 1% at 3 favourite merchants, 0.25% elsewhere, rather than waiting on a written reply.

How does the cost compare with other credit cards?+

On annual fee the card ranks 1 among 301 brands compared, and on APR it sits at 30 of 133. The site median APR is 20.97%, so the rate of 13% leaves it in the cheaper part of the field.

Who is this card aimed at?+

It suits people who clear the balance each month and want something back on everyday spending. The annual fee of CHF 0 removes the usual reason to close a card, and the cashback at 1% at 3 favourite merchants, 0.25% elsewhere rewards habit. The APR of 13% still matters for anyone carrying a balance.

Sources

Compiled from 3 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Currency conversion fee.

Related by the facts

Cembra Money Bank

Cembra Money Bank

A credit card with an annual fee of CHF 0 and cashback on every purchase.

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