TopCard Credit Cards.
A lot more than a means of payment.
Whatever
you want
Wherever
you like
TopCard Credit Cards.
Welcomed by 30 million partners worldwide.
A worldwide employable means of payment, a TopCard credit card is your perfect
companion. For shopping, making purchases on the Internet and for withdrawing
cash, whether at home or abroad.
Your credit card – as flexible as you!
TopCard credit cards allow you to make simple and
secure cash-free payments worldwide. Whether doing
your daily shopping, ordering goods on the Internet or
travelling, you will receive a warm welcome from over
30 million partners.
Quality and security – thanks to long experience.
TopCard offers a diverse range of credit cards tailored
to clients’ individual requirements. But whichever card
you choose, our many years’ experience means that
first-class service is guaranteed.
TopCard Visa Card Classic
TopCard Mastercard Standard
The card that’s right for you.
According to your individual requirements, you can
choose a TopCard Visa Card or a TopCard Mastercard –
or both cards together for a preferential price. A second
card means you always have the right card at hand
and remain flexible even if one of your cards is lost or
damaged, while a partner card lets someone close to
you enjoy all the benefits of your card at a special lower
rate.
TopCard Online portal.
With the TopCard Online portal you can check your
credit card account, credit card bill and spending limit.
This means you have an overview of your spending at
all times. A detailed breakdown by category of all your
outgoings also helps you keep control. Register at:
www.topcard.ch/cardsonline-portal.
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Not a care
in the world
With the right card
for every purpose
The advantages of TopCard credit cards.
Financial flexibility and first-class service.
High flexibility by payment transactions, a customer service that is always on hand
and a whole range of additional benefits. The hallmark of TopCard credit cards.
Carefree travel
With a versatile
means of payment
Flexible payment transactions.
You decide whether you want to pay your monthly bill
in full or in instalments.
Premium 24-hour customer service.
For questions, emergencies and card blockings,
our – professional Customer Service team will be more
than happy to help – 24 hours a day, 365 days a year.
Contactless payments.
Contactless payment makes searching for small change
a thing of the past. Simply hold your card up to the
reader and pay for amounts up to 40 francs in an instant without having to sign or enter a PIN.
Other benefits.
• Cash withdrawals at ATMs in Switzerland and abroad
• Discounts on car rental at Europcar
• 24-hour Assistance Service offering on-the-spot
medical and legal assistance worldwide as well as
important travel information
Credit cards with comprehensive protection.
Because security comes first.
Whether for ordinary shopping, major purchases, Internet orders or cash
withdrawals, with a TopCard credit card, security always comes first.
For every transaction!
Secure shopping
Including
on the Internet
6
Travel and aviation accident insurance.
You and your relatives automatically receive free accident insurance cover (death and disability) for travel on
public transport, provided you pay for your journey
with your TopCard credit card.
7
Instead of the signature, comfortably paying with
the PIN code.
Paying with PIN code is safer and simultaneously simplier and faster. So you pay with your TopCard credit
cards also the daily purchases in some seconds and you
save time.
Optimum security.
The latest chip technology and a modern early-warning
system for monitoring suspect transactions guarantee
you optimum security when making payments. In
addition, we support the “3-D Secure” international
security standard, a password system which provides
you with better protection against unauthorized access
when making online purchases. More information on
“3-D Secure” is available at www.topcard.ch/secure.
Gold cards from TopCard.
With a range of interesting extras.
Would you like to have even more exclusivity? And to enjoy the benefit of a range
of extras? Then Gold Cards from TopCard are the perfect solution for you!
TopCard Visa Card Gold
TopCard Mastercard Gold
Even more
exclusivity for you
Thanks to all
extra benefits
Higher card limits for increased flexibility.
With a TopCard Gold Card, you enjoy even greater
financial freedom, thanks to a monthly upper limit of at
least 10,000 francs. The issue of a Gold Card is subject
to a minimum gross income of 75,000 francs per
annum.
Enhanced insurance protection.
You enjoy added insurance cover in the event of death
or disability of up to 600,000 francs (instead of max.
300,000 francs) when travelling on public transport.
Best-price guarantee.
If, after making a purchase with your TopCard Gold
Card, you discover that another retailer was offering
the item at a lower price, you can claim back the difference in price.
Collision Damage Waiver.
You are generally subject to a deductible in the event of
theft or damage to a rental vehicle. If you pay for your
vehicle rental using your TopCard Gold Card, the insurance will cover an amount of up to CHF 10,000 should
an insured event occur.
Access to airport lounges worldwide.
The free Priority Pass (normal cost: 99 euros) gives you
access to over 700 airport lounges worldwide. These
lounges provide you with an ideal location for relaxing
and freshening up if you have to wait a long time between flights or if there are unexpected delays. Only
the admission fee of 22 euros is debited to your card
each time you use a lounge.
Clear and transparent.
Services.
Services
Classic/Standard Card
Gold Card
CHF 300,000
CHF 60,000
CHF 600,000
CHF 60,000
–
up to CHF 10,000 per insured event
–
up to CHF 2,000 per year
Priority Pass
For access to airport lounges (optional)
–
free of charge (normal cost: EUR 99). Only the admission fee of EUR 22 is debited to your card each time
you use a lounge.
Contactless payments
yes
24-hour customer service
Tel. +41 44 828 31 34
24-hour Assistance Service
Help in case of emergencies abroad
Tel. +41 44 828 31 34
Car hire with special conditions at Europcar
up to 20%
Payment options
–
–
–
Spending limit
as of CHF 5,000
TopCard Online Portal
–
–
–
–
Travel and aviation accident insurance
– death and disability up to
– rescue and repatriation up to
1
Collision Damage Waiver
Deductible insurance for vehicle rental 1
Best-price guarantee
1)
–
up to 25%
paying-in slip with payment in instalments option 2)
e-bill with payment in instalments option 2)
direct debit (LSV+)
as of CHF 10,000 / EUR 6,000 / USD 8,000
Display of remaining credit card limit
Overview of all transactions processed up to the previous day
Access to the last 12 monthly bills (PDF format)
Evaluation options according to selected criteria such as
amount, period of time or spending category
Ordering of a new PIN code
1)
Insurance cover applies if journey paid for with TopCard Credit Card.
2)
Payment of the entire amount or part thereof (at least 5% of the invoice amount or a minimum of 50 francs) within 15 days of the statement date; annual interest rate 12%.
The granting of credit is forbidden if it leads to the overindebtedness of the consumer (Art. 3 of the Swiss Federal Act Against Unfair Competition).
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Clear and transparent.
Fees.
Fees
Classic/Standard Card
Gold Card
Main card 1 year
Thereafter per year
CHF 50
CHF 100
CHF 100
CHF 200
EUR 65
EUR 130
USD 75
USD 150
Second card for main cardholder
CHF 25
CHF 50
EUR 30
USD 50
Partner card from the first year
CHF 25
CHF 50
EUR 30
USD 50
Replacement card
CHF 20
kostenlos
Worldwide cash withdrawals
at ATMs and over-the-counter (per withdrawal)
– commission
– minimum
4%
CHF 10
4%
CHF 10
4%
EUR 8
4%
USD 10
Lottery (excluding Swisslos/Loterie Romande),
betting, and casino winnings (gambling)
4%, maximum charged per transaction CHF 100
4%, maximum charged per transaction CHF 100 /
EUR 100 / USD 100
Currency conversion for transactions in foreign
currencies
Currency exchange rate from UBS Switzerland AG or card company rate plus 1.75% processing fee
CHF transactions abroad
1.75% processing fee
Interest rate for payments in installments
(credit option)
Annual interest rate of 12%
Reminder fees
CHF 30 to CHF 60
Charging of third-party costs
Third-party costs (e.g. postage costs, charges on deposits at the post office counter, courier costs for card delivery
abroad, etc.) may be passed on. For detail informations about costs contact our customer service
st
As of May 2017. TopCard reserves the right to alter its services, products and prices at any time in line with changes in market conditions or costs by updating the lists/product
information sheets – in justified cases without prior notification; the changes will be communicated in an appropriate form.
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TopCard Service Ltd
Flughofstrasse 35
P.O. Box
CH-8152 Glattbrugg
Tel. +41-44 - 828 31 34
Fax +41-44 - 828 33 76
© TopCard Service Ltd. Appears also in German, French and Italian. Produced in May 2017.
www.topcard.ch