Best Credit Cards in Switzerland — Compare 33 Cards
Every credit card we can verify as issued in Switzerland — 33 cards from 8 banks — with the minimum salary, annual fee, interest rate and salary-transfer rule each bank publishes. Filter them below, or use the guided finder.
Best credit cards in Switzerland — our picks
One card per job, chosen by a stated rule, with the number that wins it. No bank holds two slots while another qualifies.
No annual fee, and at 12% a year it is among the cheaper cards to carry a balance on.
Chosen by: Zero or permanently waived annual fee, then the lowest published interest rate. Picked from 3 qualifying cards.
Go to migros.ch Migros Bank AG's site — this card is not linked directly
You do not have to move your salary to this bank.
Chosen by: Bank does not require your salary to be transferred to it, then the lowest minimum salary. Picked from 33 qualifying cards.
Card details On Buzdy — no verified issuer link on file yet
Airport lounge access for CHF 200 a year.
Chosen by: Publishes airport lounge access, then the lowest annual fee. Picked from 7 qualifying cards.
Card details On Buzdy — no verified issuer link on file yet
At 12% a year this is the cheapest published rate we hold for this market — it only matters if you revolve a balance.
Chosen by: Lowest published monthly interest / profit rate in this market. Picked from 33 qualifying cards.
Card details On Buzdy — no verified issuer link on file yetCompare all 33 Switzerland credit cards
Figures are as each bank publishes them. 0 of 33 cards state a minimum monthly salary, 24 state an annual fee, 33 state an interest or profit rate and 33 state whether a salary transfer is required. A dash means the bank does not publish that figure — not that it is zero.
Default ranking: cards are ordered by how much of the decision they let you make — how many of the four numbers (minimum salary, annual fee, rate, salary transfer) the bank publishes, then how many benefits are documented, then user rating. It is not a paid placement and it is not alphabetical. Use the sort links in the table header to rank by fee, rate or salary instead.
Showing 30 of 33 cards.
Every figure comes from the issuing bank's own published terms, stored per card. Country attribution uses the product's own market, not the bank's branch footprint, so a multinational's Hong Kong catalogue never appears here. Interest and profit rates are annualised figures as published; a few banks quote a monthly rate instead, so confirm the basis with the issuer before you compare two cards on rate alone. Verify the current terms with the bank before you apply.
Prefer to be asked?
Four questions — salary, spending, and what matters most — and we shortlist five of the 33 cards above for you.
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More about credit cards in Switzerland
The 33 cards compared above are every credit card we can attribute to Switzerland itself, from 8 issuing banks — a card is counted here only when the product's own market and the issuing bank agree, so a multinational's catalogue from another country is never folded in. Figures are in CHF as published by each bank.
Looking for a credit card in Switzerland?
Compare what banks in Switzerland actually offer — rates, fees and eligibility, updated for 2026.
Banks we track in Switzerland
Keep going in Switzerland
Guides for Switzerland
Switzerland — frequently asked questions
Which credit cards have no annual fee in Switzerland?
Visa Free credit card (Migros Bank AG), Cumulus credit card (Migros Bank AG), Swiss Bankers Travel (Basler Kantonal bank) are among the 3 cards in our Switzerland data with a zero or waived annual fee.
How does the card finder pick a card?
It scores every card we hold for Switzerland against your salary, your biggest spending category and whether you want cashback, miles, no fee or a Shariah-compliant card, then shows the top five with the reasons for each.