Swiss quality for your everyday payments
The swisscard free credit card combines security with digital convenience: full control via the app, no foreign currency fees, and a Swiss customer service team which is always there to assist you.
Ready to get started?
Get your swisscard credit card within a few minutes and start making payments. Simply scan the QR code to start.
- Download the Swisscard app.
- Have your ID ready.
- Apply for the swisscard credit card.
Secure payments are a top priority
With the swisscard credit card, you can make flexible and secure payments anywhere in the world – with no link to your bank account, no need to top up, and monthly billing. No visible card data gives you additional protection, and you benefit from global payments with no foreign currency fees. Everything in one app – for easy and centralized control of your swisscard credit card.
FAQ
Yes – the swisscard credit card has no annual fee. Plus, there are no additional costs for payments made abroad or in foreign currencies.
Yes – with the swisscard credit card, you can pay worldwide without fees, both in-store and online. This also includes payments in foreign currencies, such as euros, US dollars or Japanese yen.
Yes – the comparison platform moneyland.ch rates the swisscard credit card as the best credit card in Switzerland for use abroad. In addition, swisscard was rated in the Saldo comparison (07/2026) as the cheapest credit card for payments in eurozone countries.
Shortly after your application is approved, your virtual swisscard credit card will be available in the app. You can start using it right away for online payments, subscriptions or mobile payments — even before your physical card arrives.
The Swisscard credit card offers a high level of security – whether you’re shopping online or managing digital subscriptions. With two-factor authentication, modern security standards and a real-time overview in the app, you stay in full control at all times.
Yes, you can conveniently use your swisscard credit card with Apple Pay, Google Pay and Samsung Pay. Simply add your card to the respective Wallet app and pay quickly, contactless and securely worldwide — online and in-store.
If your swisscard credit card is lost or stolen, you can block it immediately at any time — quickly and securely in the Swisscard App. Alternatively, our Swiss customer service is available worldwide by phone 24/7.
With a credit card, the amount isn’t debited from your bank account straight away. This provides additional protection in the event of fraud or incorrect transactions, for instance, as it means payments can be reviewed first. Unauthorized transactions can also be disputed.
You also have a monthly spending limit, with no need to make top ups in advance. All transactions are summarized and billed once a month, resulting in better clarity. And you also enjoy financial flexibility, such as the option for installments.
Credit cards such as the swisscard are especially useful for online purchases, subscriptions and hotel or car rental bookings, where they can often be a compulsory requirement.
Yes – you can adjust your personal spending limit directly in the app. Your request will be reviewed promptly, making it easy to plan larger purchases.
The swisscard credit card is issued by Swisscard AECS GmbH, one of the leading Swiss credit card companies. Swisscard manages over one million cards, and is the only Swiss credit card company to offer all the leading credit card brands worldwide: American Express®, Mastercard® and Visa.
The swisscard credit card is a Visa credit card, making it part of one of the world’s leading credit card networks. It is accepted in millions of stores and online shops – for shopping, for subscriptions, and for contactless payments.