Your Cembra Mastercard Gold or Premium offers a reliable solution for cashless payments across more than 32 million points of sale worldwide.
Whether filling up at petrol stations, stocking up at supermarkets, or indulging in online shopping, your card ensures smooth and secure transactions everywhere you go.
This extensive acceptance makes it an ideal companion for both daily expenditures and holiday spending globally.
Cembra Overview
Cembra is a top-tier Swiss bank specializing in innovative financing and payment solutions, focusing on personal loans, auto leases, credit cards, and related insurance and invoice financing products.
Cembra caters to over 2 million customers globally, supported by a diverse team of 900 staff from around 40 countries. Headquartered in Zurich, Cembra extends its services throughout Switzerland via:
- branches,
- online platforms, and partnerships with credit card entities,
- independent brokers, and a
- auto dealers
Since its 2013 listing on the SIX Swiss Exchange, Cembra maintains an A- rating from Standard & Poor’s and is a recognized member of the MSCI ESG Leaders Index.
Cembra Mastercard Gold and Premium Overview
Cembra Mastercard Gold and Premium are designed for Cembra Money Bank’s global customers, providing a unique blend of practicality and exclusivity. These cards allow easy cash withdrawals at ATMs worldwide.
Customers receive a card tailored to their financial needs and preferences. The Gold variant offers prestigious status with associated benefits, whereas the Premium option provides a more accessible annual fee and credit line.
Both cards share the same annual interest rate, ensuring straightforward financial management for users worldwide.
Cembra Mastercard Premium
Cembra Mastercard Premium information is below:
- Annual Fee: The annual fee for the Cembra Mastercard Premium is CHF 75.00.
- Paper Invoice Fee: Opting for a paper invoice incurs a monthly charge of CHF 2.50.
- Card Replacement: If you lose your card, a replacement costs CHF 20.00.
Administrative Fees for Purchases:
- Purchases Abroad in CHF: These are subject to a 2% administrative fee.
- Purchases Abroad in Foreign Currency: Similarly, these also carry a 2% administrative fee.
Exchange Rate Markup
The EUR/CHF exchange rate includes an average markup of 3.011% over the interbank rate, which can vary daily.
Cash Withdrawal Fees:
- In Switzerland: Each withdrawal is charged at 3.75% of the withdrawn amount, with a minimum fee of CHF 10.00.
- Abroad: Withdrawals are subject to the same 3.75% fee plus a minimum of CHF 10.00, along with an additional 2.00% administrative fee.
Digital Wallets and Services
The card supports Samsung Pay, Apple Pay, Google Pay, Swatch Pay, Fitbit Pay, and Garmin Pay and offers 24-hour customer service.
Features include contactless payments, mobile access, online account management, customizable PIN, and SMS alerts for transactions.
Cembra Mastercard Gold
Cembra Mastercard Gold information is below:
- Annual Fee: The annual fee for the Cembra Mastercard Gold is CHF 135.00.
- Paper Invoice Fee: Opting for a monthly paper invoice incurs a charge of CHF 2.50.
- Card Replacement: If your card is lost, a replacement fee of CHF 20.00 applies.
Purchases Abroad
Purchases made outside Switzerland in CHF or foreign currencies carry an administrative fee of 2% of the transaction amount.
Exchange Rate Markup
Transactions in EUR against CHF feature an average markup of 3.011% over the interbank rate, though this can fluctuate daily.
Cash Withdrawal Fees
Withdrawals within Switzerland and abroad are charged at 3.75% of the withdrawn amount, with a minimum fee of CHF 10.00. An additional administrative fee of 2% applies to international withdrawals.
Special Features
The card supports a range of payment technologies, including Samsung Pay, Apple Pay, Google Pay, Swatch Pay, Fitbit Pay, and Garmin Pay.
It also offers 24-hour customer service, contactless payments, mobile account access, online management, a secure PIN, and SMS notifications.
Advantages of Cembra Mastercard Gold and Premium
Unlock exclusive benefits with the Cembra Mastercard Gold and Premium, designed to cater to your diverse needs worldwide. This card offers a blend of luxury and functionality, making it a top choice for discerning cardholders globally.
- Global Benefits: Experience unparalleled benefits wherever you are. By acquiring the Cembra Mastercard Gold and Premium, you gain access to prestigious status benefits across the globe.
- Flexible Payment Options: Your monthly statement outlines all transactions, giving you the power to control how you pay. You can settle the full amount or opt for installment payments with an annual interest rate of 13.95%.
- Personal Cash Reserve: The card’s assigned credit limit boosts your financial flexibility, enabling you to pursue your goals without constraint.
- Contactless Transactions: For quick purchases up to CHF 80, use the contactless feature. Tap your card against a compatible terminal and complete transactions instantly and securely.
- eService for Better Management: With eService, monitor your expenditure and manage your card details online anytime, free of charge. It’s simple, efficient, and user-friendly.
- Example of Payment Plan: If you choose to pay in installments for a CHF 1,350.00 purchase, the monthly payment would be CHF 76.05 for 20 months. This plan includes an interest total of CHF 170.80 at an APR of 13.95%, summing up to a final amount of CHF 1,520.80.
How To Apply: Gold and Premium
For the Cembra Mastercard Gold and Premium, follow these steps to apply:
Cembra Mastercard Gold:
- Check Income Eligibility: Your application’s acceptance depends on the income level. Ensure the income is sufficient for the Gold card standards.
- Annual Fee: The fee for the Gold card is CHF 135.
- Designate the Main Cardholder: To maximize the chances of approval, the person with the highest income in your household should be listed as the main cardholder.
- Additional Applicants: Individuals in your household can apply if they meet the income requirements.
- Application Process: Complete and submit the application form with all necessary financial details and documents.
Cembra Mastercard Premium:
- Verify Income Requirements: Like the Gold card, the Premium card requires applicants to have a certain income level for approval.
- Annual Fee: The fee for the Premium card is CHF 75.
- Identify the Main Cardholder: Indicate the highest earner in your household as the main cardholder.
- Option for Additional Cardholders: Another household member can apply, provided they also meet the income criteria.
- Submit Application: Fill out and submit your application accurately, including all required documentation.
Cembra Contact Information
The Cembra App offers you comprehensive control over your Mastercard Gold and Premium accounts:
- Update your personal details, such as your address, phone number, and email, directly through the app.
- Temporarily pause and reactivate your credit cards.
- Access your PIN securely.
- Review your billing statements.
- Manage push notifications for real-time updates.
Immediate Assistance
For immediate issues that cannot be resolved through the app, such as unusual transaction amounts or if a card is definitively lost, Cembra Mastercard holders can contact customer service at any time.
The dedicated line for Gold and Premium cardholders is available 24/7 at +41(0)44 439 54 50.
Conclusion
In conclusion, the Cembra Mastercard Gold and Premium provide seamless transaction capabilities worldwide.
Both cards are accepted at over 32 million locations, offering features that cater to everyday needs and international spending.
Choose the card that best fits your lifestyle, apply, and enjoy global financial flexibility and security.
