How To Get A Swiss Francophone Credit Card

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1 Accounts and Cards Credit Cards Simply Pay Then Make the Most of the Additional Services What You Need to Know about Credit Cards You can use your credit card to obtain goods and services without cash in Switzerland and abroad, and make payments at a later date. offers a variety of credit cards that allow you to pay conveniently and securely anywhere in the world. credit cards offer you: The security of a globally accepted means of payment Additional services such as insurance and travel/ emergency assistance makes a distinction between credit cards as part of Bonviva packages and individual cards from American Express, and and Visa. Bonviva Credit Cards Bonviva Banking Packages simplify your daily banking business, and are tailored to your needs. For a fixed price you can choose the account combination best suited to you with Maestro cards and credit cards from or Visa and American Express exclusively created for Bonviva. When you pay with Bonviva credit cards you are rewarded with Bonviva points that can be redeemed for vouchers, tickets, air miles, and other attractive rewards from the Bonviva Rewards Shop. With Bonviva credit cards, you can also take advantage of a host of additional security and travel services. Further information is available at American Express Charge The internationally renowned American Express cards are exclusively available in Switzerland from. Cardholders can enjoy the highest level of flexibility with these cards, as there is no monthly credit limit. All American Express cards offer a comprehensive range of services such as transport accident insurance, travel inconvenience insurance, and personal assistance. American Express cardholders can also participate in the attractive Membership Rewards Program and benefit from exclusive rewards. Your Needs You want financial flexibility You are concerned about security when traveling You would like to have the right currency at all times Features Collect valuable bonus points and choose your rewards Additional card for your partner available on request Immediate replacement if lost or stolen You incur no liability if your card is misused by third parties, provided that you have met your obligations to cooperate and exercise due care and Visa Credit Cards The practical credit cards from and Visa enable you to benefit from all the advantages of traditional credit cards with a monthly spending limit. Cards are accepted worldwide so you can enjoy shopping anywhere you want. are also available in EUR and USD on request. Credit Cards, issued by Swisscard AECS GmbH.

2 Bonviva Credit Card Conditions Bonviva Credit Cards Bonviva Platinum Bonviva Bonviva Silver Bonviva Platinum Card or Bonviva Bonviva Card or Bonviva Bonviva American Express Card Classic or Bonviva Standard Annual fees Principal card Incl. in package price Incl. in package price Incl. in package price Incl. in package price Incl. in package price Incl. in package price Additional card CHF 20 CHF 20 CHF 20 CHF 20 CHF 60 CHF 60 Replacement card Free Free Free Free CHF 25 CHF 25 Additional s Cash withdrawals at Swiss ATMs/Postomats Cash withdrawals at ATMs (abroad) Cash withdrawals, counter, Switzerland and abroad Payment reminder fee CHF 20 CHF 20 CHF 20 CHF 20 CHF 20 CHF 20 Annual interest 4.75% 4.75% 4.75% 4.75% 4.75% 4.75% PostFinance deposit As per postal rate As per postal rate As per postal rate As per postal rate As per postal rate As per postal rate Processing supplement for payment in foreign currency Copy monthly statement (per order) Duplicate monthly statement to the own or to a third address (annual flat rate) Mail order foreign countries (per monthly statement) 2% 2% 2% 2% 2% 2% CHF 25 CHF 25 CHF 25 CHF 25 CHF CHF CHF CHF Address inquiry CHF 25 CHF 25 CHF 25 CHF 25 Card delivery by express or courier Costs exceeding 0 Costs exceeding 0 Services 2 Bonus program Bonviva Rewards Bonviva Rewards Bonviva Rewards Bonviva Rewards Bonviva Rewards Bonviva Rewards Conversion rate 3 CHF = 2 points CHF = point CHF =.5 points CHF = point CHF = point CHF = 0.6 points Transport Accident Insurance CHF,000,000 00,000 CHF 700,000 00,000 00,000 CHF 300,000 Priority Pass 4 Yes No No No No No Bonviva Travel & Concierge Service Yes No No No No No Travel cancellation insurance,000,000 No No No No Luggage insurance CHF 6,000 CHF 6,000 CHF 4,000 CHF 4,000 No No Rental car insurance CHF 80,000 CHF 80,000 No No No No Purchase protection plan CHF,000 CHF,000 CHF,000 CHF,000 No No Emergency assistance Yes Yes Yes Yes No No American Express Selects SM 5 Yes No Yes No Yes No Lost-key service Cardservice (online) Cardservice app Yes (incl. 5 key Yes (incl. 5 key Yes (incl. 3 key Yes (incl. 3 key Yes (incl. key Yes (incl. key 2

3 Bonviva Credit Cards Bonviva Platinum Bonviva Bonviva Silver Bonviva Platinum Card or Bonviva Bonviva Card or Bonviva Bonviva American Express Card Classic or Bonviva Standard Further conditions Monthly credit limit per Up to 0,000 Up to 0,000 Up to CHF 30,000 Up to CHF 30,000 Up to CHF 25,000 Up to CHF 25,000 package 6 Replacement card usually provided within Liability in the event of card theft or loss 48 hours 48 hours 48 hours 48 hours 48 hours 48 hours None 7 None 7 None 7 None 7 None 7 None 7 PIN code Yes Yes Yes Yes Yes Yes Account management (currency) CHF CHF CHF CHF CHF CHF Payment types Direct debit Yes Yes Yes Yes Yes Yes Payment slip Yes Yes Yes Yes Yes Yes E-bills Yes Yes Yes Yes Yes Yes Cash/Installment facility Cash withdrawal Yes Yes Yes Yes Yes Yes Installment option Yes 8 Yes 8 Yes 8 Yes 8 Yes 8 Yes 8 Lottery, gambling and casino transactions are treated in the same way as cash withdrawals from ATMs (abroad). 2 You can find the exact conditions (including the sums insured and the exclusions of liability) in the General Terms and Conditions of Insurance, excerpts of which you have received/will receive for your information, and which can also be viewed in full at or requested from Swisscard AECS GmbH. The full version will take precedence in the event of discrepancies. 3 With the exception of fees, interest, cash withdrawals, backs, and amounts outstanding as well as lottery, gambling and casino transactions. 4 Access to 700 airport lounges. The services are provided by Priority Pass. Please be sure also to read the General Terms and Conditions that you received with your Priority Pass. 5 Offers and discounts exclusively for American Express members worldwide. 6 Subject to successful credit check by the card issuer. 7 No liability provided that the due care obligations set out in the General Terms and Conditions have been met. 8 Credit approval is prohibited if it leads to overindebtedness. 3

4 Terms and conditions and Visa credit cards Viva Standard CHF Visa Classic Standard Visa EUR USD Annual fees Principal card CHF CHF 200 CHF 200 EUR 200 USD 200 Additional card Incl. in package price CHF 25 CHF 25 CHF 75 CHF 75 EUR 75 USD 75 Replacement card CHF 25 CHF 25 CHF 25 CHF 25 CHF 25 EUR 25 USD 25 Spending bonus on annual fee 50% discount (subsequent n/a n/a n/a,000,000 EUR 0,000 USD 0,000 year) 00% discount (subsequent n/a,000,000 CHF 20,000 CHF 20,000 EUR 20,000 USD 20,000 year) Additional s Cash withdrawals at Swiss ATMs/Postomats Cash withdrawals at ATMs 2 (abroad) Cash withdrawals, counter, Switzerland and abroad EUR 5 EUR 0 EUR 0 Annual interest 5% 5% 5% 5% 5% 5% 5% Processing supplement for payment in foreign currency Copy monthly statement (per order) Duplicate monthly statement to the own or to a third address (annual flat rate) Mail order foreign countries (per monthly statement) USD 5 USD 0 USD 0 2.5% 2.5% 2.5% 2.5% 2.5% 2.5% 2.5% EUR 8 USD 0 CHF 25 CHF 25 CHF 25 CHF 25 CHF 25 EUR 20 USD 25 CHF CHF CHF CHF CHF EUR USD Address inquiry CHF 25 CHF 25 CHF 25 CHF 25 CHF 25 EUR 20 USD 25 Card delivery by express or courier Cross-border CHF Transaction Fee min EUR % 2.5% 2.5% 2.5% 2.5% n/a n/a min USD 25 Paper Statement Fee CHF.50 CHF.50 CHF.50 CHF.50 CHF.50 EUR.50 USD.50 Insurances 3 Travel accident Invalidity or death Search & Recovery CHF 400,000 CHF 400,000 CHF 400,000 CHF 700,000 CHF 700,000 CHF 700,000 CHF 700,000 CHF 60,000 CHF 60,000 CHF 60,000 CHF 60,000 CHF 60,000 CHF 60,000 CHF 60,000 Personal assistance No No No Emergency Assistance Emergency Assistance Emergency Assistance Travel comfort No No No Yes Yes Yes Yes Luggage No No No Yes Yes Yes Yes Emergency Assistance Further conditions Lost card/replacement card 48 hours 48 hours 48 hours 48 hours 48 hours 48 hours 48 hours Liability in the event of card theft or loss None 4 None 4 None 4 None 4 None 4 None 4 None 4 PIN code Yes Yes Yes Yes Yes Yes Yes Account management (currency) CHF CHF CHF CHF CHF EUR USD 4

5 Viva Standard CHF Visa Classic Standard Visa EUR USD Payment types Direct debit Yes Yes Yes Yes Yes No No Payment slip Yes Yes Yes Yes Yes Yes Yes E-bills Yes Yes Yes Yes Yes Yes Yes Cash/Installment facility Cash withdrawal Yes Yes Yes Yes Yes Yes Yes Installment option Yes 5 Yes 5 Yes Yes 5 Yes Yes 5 Yes Discount on the annual fee in the next year upon reaching the defined annual spending amount (excluding s, interest, cash withdrawals, backs and amounts outstanding as well as lottery, gambling and casino transactions). 2 Lottery, gambling and casino transactions are treated in the same way as cash withdrawals from ATMs (abroad). 3 You can find the exact conditions (including the sums insured and the exclusions of liability) in the General Terms and Conditions of Insurance, excerpts of which you have received/will receive for your information and which can also be viewed in full at or requested from Swisscard AECS GmbH. The full version will take precedence in the event of discrepancies. 4 No liability provided that the due care obligations set out in the General Terms and Conditions have been met. 5 Credit approval is prohibited if it leads to overindebtedness. 5

6 American Express Card Conditions American Express Cards American Express Charge Cards Platinum Annual fees Annual fee CHF 850 CHF 300 Supplementary cards 5 cards free 0 Replacement card Free Free Additional s Cash withdrawals at Swiss ATMs/Postomats 4%, min. 4%, min. Cash withdrawals at ATMs 2 (abroad) Cash withdrawals, counter, Switzerland and abroad 4%, min. 4%, min. 4%, min. 4%, min. Cash withdrawal limit Every 7 days, CHF 4,000 Every 7 days, CHF 4,000 Payment reminder fee CHF 20 CHF 20 Annual interest 5% 5% Processing supplement for payment abroad Services 3 2.5% 2.5% Bonus program Membership Rewards Membership Rewards Conversion rate CHF 4 = point CHF 4 = point Vehicle accident insurance CHF,000,000 CHF 700,000 Travel inconvenience insurance: Missed connecting flight and flight delay Baggage delay 6 hours or more Baggage loss 48 hours or more CHF 400 CHF 300 CHF,000 CHF 450 CHF 2,000 CHF,500 Foreign travel cancellation CHF 30,000 insurance 3 Purchase protection plan CHF,000 Emergency assistance Yes Yes Priority Pass 5 Yes No Concierge service Yes No Travel service Yes Yes American Express Selects SM 6 Yes Yes Further conditions Monthly credit limit Without fixed spending limit Without fixed spending limit Replacement card usually provided within Liability in the event of card theft or loss 24 hours 24 hours None 7 None 7 PIN code Yes Yes Account management (currency) CHF CHF 6

7 American Express Cards American Express Charge Cards Platinum Payment types Direct debit Yes (CHF only) Yes (CHF only) Payment slip Yes (full payment only) Yes (full payment only) E-bills No No Cash/Installment facility Cash withdrawal Yes Yes Installment option No No Platinum Card, 4 Cards. 2 Lottery, gambling and casino transactions are treated in the same way as cash withdrawals from ATMs (abroad). 3 You can find the exact conditions (including the sums insured and the exclusions of liability) in the General Terms and Conditions of Insurance, excerpts of which you have received/will receive for your information and which can also be viewed in full at or requested from Swisscard AECS GmbH. The full version will take precedence in the event of discrepancies. 4 With the exception of fees, interest, cash withdrawals, backs, and amounts outstanding. 5 Access to 700 airport lounges. The services are provided by Priority Pass. Please be sure also to read the General Terms and Conditions that you received with your Priority Pass. 6 Offers and discounts exclusively for American Express members worldwide. 7 No liability provided that the due care obligations set out in the General Terms and Conditions have been met. 7

8 Contact us Regarding credit cards as VISA,, American Express Regarding credit cards and cards please contact: Swisscard support line available Mon Fri 8:30 7:30 DE: 044/ * FR: 044/ * IT: 044/ * EN: 044/ * Swisscard is a legal issuer of Visa, and American Express cards. * Telephone calls may be recorded. AG P.O. Box 00 CH-8070 Zurich This document was produced for information purposes and is for the exclusive use of the recipient. No guarantee is made regarding reliability or completeness of this document, nor will any liability be accepted for losses that may arise from its use. The conditions mentioned herein are correct at the time of publication. The conditions in the latest product documentation are decisive. They are subject to change at any time. This document may not be distributed in the United States or given to any US persons (within the meaning of Regulation S under the US Securities Act of 933, as amended). The same applies in any other jurisdiction except where compliant with the applicable laws. Copyright 204 Group AG and/or its affiliated companies. All rights reserved SNSA 8