Swisscard review
Updated September 28, 2026 · DebitCue Editorial Team · Facts checked September 26, 2026
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Our verdict
Swisscard is a Swiss Visa credit card built for business spending, with an annual fee of CHF 0, a monthly fee of CHF 0 and a currency conversion fee of 0%. It suits people who pay in several currencies and want spending controls in the app, and less suits anyone hunting rewards.
Key facts
- Best for
- A business credit card with no annual or monthly charge and no conversion fee.
- Annual fee
- CHF 0 (Source, checked September 26, 2026)
- Currency conversion fee
- 0% (Source, checked September 26, 2026)
- Rewards type
- None (Source, checked September 26, 2026)
- Perks
- Integrated Return Protection Insurance, 3-D Secure confirmation in the Swisscard app, Installment facility, Apple Pay, Google Pay and Samsung Pay compatible, Virtual card available in the app right after approval, Monthly billing with no top up required, Personal spending limit adjustable in the app, Card number and verification code not printed on the card (Security by Design), Swiss customer service available 24/7 in German, French, Italian and English (Source, checked September 26, 2026)
- Card kind
- Credit (Source, checked September 26, 2026)
- Legal entity
- Swisscard AECS GmbH (Source, checked September 26, 2026)
- Headquarters
- Switzerland (Source, checked September 26, 2026)
- Founded
- 1998 (Source, checked September 26, 2026)
- Support channels
- Phone, Help-centre (Source, checked September 26, 2026)
- Pricing model
- No annual fee
- Features
- Virtual card, Travel
- Audience
- Business
- Official website
- swisscard.ch
Debit cards
- Monthly fee
- CHF 0 (Source, checked September 26, 2026)
- Currency conversion fee
- 0% (Source, checked September 26, 2026)
- Card network
- Visa (Source, checked September 26, 2026)
- Legal entity
- Swisscard AECS GmbH (Source, checked September 26, 2026)
- Headquarters
- Switzerland (Source, checked September 26, 2026)
- Founded
- 1998 (Source, checked September 26, 2026)
- Support channels
- Phone, Help-centre (Source, checked September 26, 2026)
- Features
- Virtual card, Travel
- Audience
- Business
Pros and cons
Pros
- Currency conversion fee of 0% on a credit card aimed at business and travel spending.
- Virtual card in the app right after approval, with a personal spending limit you can adjust there.
- Integrated return protection insurance and online payment confirmations handled in the app.
- Monthly billing with no top up required, plus an installment facility for larger purchases.
Cons
- Rewards type is none, so everyday spending earns nothing back.
- Support runs on phone and help centre only, without chat or email.
- Audience is business, which leaves personal shoppers a thinner case for applying.
Who it suits
- Business cardholders who pay in several currencies and want a conversion fee of 0%.
- Anyone billed monthly who prefers adjusting a personal spending limit in the app.
- Travellers who want a virtual card for online bookings and a visa card in the wallet.
Who should look elsewhere
- Reward hunters, since the rewards type is none. Chime Card (Secured Visa Credit Card) covers the secured angle instead.
- Anyone after a deposit-backed balance: Varo Believe Secured Credit Card is a secured product, while Swisscard is a revolving credit card with a CHF 0 monthly fee.
How it compares on our data
Swisscard holds position 1 on annual fee among 301 brands, and position 1 on currency conversion fee among 181. Those two places come from a card with no annual charge and no conversion charge, and the monthly charge sits at the floor of the group as well. It is a rare pairing of a fee-free profile with a full set of card controls.
The company behind it
Swisscard AECS GmbH runs the card from Switzerland, and it has been trading since 1998. Support comes through phone and help centre, with Swiss customer service available around the clock in German, French, Italian and English. The card leaves its number and verification code off the printed face, which the company calls Security by Design.
How Swisscard compares
9.2 vs 9.4
9.2 vs 9.0
9.2 vs 8.9
9.2 vs 9.2
9.2 vs 8.8
9.2 vs 8.5
9.2 vs 8.5
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9.2 vs 9.2
9.2 vs 9.0
9.2 vs 8.9
9.2 vs 8.8
9.2 vs 9.6
9.2 vs 9.4
9.2 vs 9.4
9.2 vs 9.2
9.2 vs 9.1
9.2 vs 9.1
9.2 vs 9.1
9.2 vs 9.1
9.2 vs 8.8
9.2 vs 8.8- 9.2 vs 8.8
- 9.2 vs 8.8
9.2 vs 8.8- 9.2 vs 8.8
9.2 vs 8.5
9.2 vs 8.5
9.2 vs 8.5
9.2 vs 8.3
9.2 vs 8.2
9.2 vs 8.0
9.2 vs 8.0
Where Swisscard is available
- Available
- Switzerland
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
What does it cost to hold a Swisscard?+
The annual fee is CHF 0 and the monthly fee is CHF 0, so there is no fixed charge for holding the card. The card is a credit card, so spending draws on a credit line and arrives as a monthly bill, with no top up needed.
Is there a fee when I spend in another currency?+
The currency conversion fee is 0%, and the card runs on the visa network, so spending abroad carries no conversion charge. Travel and a virtual card are both core features (virtual card and travel), and the card works with Apple Pay, Google Pay and Samsung Pay. Balances are billed monthly rather than paid at the till.
Does Swisscard pay any rewards?+
The rewards type is none, so spending earns nothing back. The value sits in the fees instead, with an annual fee of CHF 0 and a conversion fee of 0% keeping the running cost at nothing. If cash back or points are the goal, a rewards card suits better.
How do I keep the card safe?+
The card number and verification code are not printed on the card itself, and online payment confirmations are handled in the app. Spending limits are personal and adjustable there, so a compromised card has less room to run. Integrated return protection insurance comes as part of the package.
Is this card only for companies?+
The stated audience is business, so the card is built around business spending. The mechanics suit company cards: monthly billing with no top up required, an adjustable personal spending limit in the app, and an installment facility for larger purchases. As a credit card, spending is repaid against a credit line.
How do I get help if something goes wrong?+
Support runs on phone and help centre: phone and a help centre. The company runs Swiss customer service around the clock in German, French, Italian and English, which suits a Swiss-based account. There is no chat or email channel in the support mix, so keep the number to hand.
Sources
- swisscard.ch/en checked September 26, 2026
Backs: Headquarters, Legal entity
“Cards, issued by Swisscard AECS GmbH, Neugasse 18, 8810 Horgen”
- swisscard.ch/en/company/facts-and-figures checked September 26, 2026
Backs: Founded
“1998 Establishment of Swisscard AECS as a joint venture between American Express and Credit Suisse”
- getswisscard.ch/en checked September 26, 2026
Backs: Annual fee, Card kind, Features, Currency conversion fee, Pricing model, Monthly fee, Card network, Perks, Rewards type, Support channels
“Yes - the swisscard credit card has no annual fee”
- swisscard.ch checked September 26, 2026
Backs: Audience
“Business customers: Keep an eye on your company's spending with our tailored business solutions.”
Compiled from 4 source pages, checked September 26, 2026. We did not open an account.
Not confirmed yet: APR.
Swisscard
A business credit card with no annual or monthly charge and no conversion fee.