Cembra, a prominent credit card provider in Switzerland, recently launched the Certo! One Mastercard World and Certo Mastercard World after discontinuing its previous cashback card, the Cumulus card.
These new options offer enhanced features with Certo! One Mastercard World delivers benefits tailored to global needs, making it a strong choice internationally.
Here’s a direct look into Certo’s specifics! One Mastercard World helps you assess its appeal and gives you clear steps to apply.
Certo! Means: Transparent
The starting credit for Certo! One Mastercard World activates after a successful application review and the initial payment, completed by June 30, 2025.
This offer is available specifically to those eligible within Switzerland but has worldwide applications.
Excluded Transactions for Certo! One Mastercard World
Certain transaction types are excluded from the Certo! One Mastercard World benefits.
These include card-related insurance premiums, cash withdrawals, cash-equivalent transactions (such as dealings with securities, foreign exchange, and cryptocurrencies), fees and interest, gambling-related services, and TWINT payments.
Installment Payment Terms and Example Calculation
For users opting for installment payments, the annual interest rate is set at 13.95%. A minimum monthly payment of 3% of the invoice amount, or CHF 50, is required.
For instance, a CHF 1,350 purchase, paid over 20 months with CHF 76.05 monthly installments, results in CHF 170.80 in interest, totaling CHF 1,520.80.
Credit is only approved when it does not lead to consumer over-indebtedness (Art. 3 UWG).
Certo! One Mastercard World: Overview
The Certo! One Mastercard World is a no-fee, globally available card offering cash-back benefits and flexibility for users worldwide.
Key Cashback Features:
- 1% Cashback: Choose three retailers where 1% cash back applies. These selections can be adjusted monthly within the app.
- 0.33% Cashback: Earn 0.33% cash back at all other retail and online stores.
Current Retailers
Cashback can be earned at popular stores such as Migros, Coop, SBB, Zalando, SWISS, Manor, Lidl, Decathlon, Aldi, H&M, Netflix, Spotify, Airbnb, Booking.com, Microspot, Digitec Galaxus, Ochsner Sport & Shoes, Interdiscount, Denner, and Landi.
Cashback is credited every three months to the cardholder’s bill, providing worldwide users flexibility in savings and retail choices.
Fee Structure:
- Annual and Monthly Fees: None. Certo! One Mastercard World has no recurring fees, making it accessible globally at zero cost.
- Additional Card: Available free of charge, suitable for shared use on a single account.
Additional Fees to Note:
- Interest Rate: 11.95% if a balance is carried, though advisable only to pay the full balance to avoid interest.
- Late Payment: 30 CHF if paid in full but late.
- Replacement Card: 20 CHF if a new card is required.
- Cash Withdrawal: 3.75% fee, in Switzerland or abroad.
- Foreign Transactions: 1.5% added for foreign currency payments.
While some fees apply under specific conditions, these can be avoided with proper management.
Certo! One Mastercard World offers a free, flexible solution for cash-back savings worldwide, making it a practical choice for users seeking low-maintenance credit options.
How to Apply
Applying for the Certo! One Mastercard World is straightforward. It allows users worldwide to enjoy its cashback and global payment benefits.
- Visit the Official Cembra Website: First, access the Cembra website. This is the official application portal for Certo! One Mastercard World.
- Select Certo! One Mastercard World: Choose Certo! One Mastercard World specifically to benefit from its global features and cashback perks.
- Complete the Application Form: Complete the required details, including personal, financial, and contact information, in the application form. Ensure that all details are accurate to avoid delays.
- Submit Required Documents: Upload or submit necessary identification documents. These typically include proof of identity, residence, and income to verify your eligibility.
- Review Terms and Conditions: Go through the terms of service, focusing on interest rates, fees, cashback structure, and card benefits. Ensure you agree with these before finalizing the application.
- Submit the Application: Once the form is complete and documents are uploaded, submit your application. You will receive a confirmation email, followed by an application review.
- Await Approval Notification: Cembra will review your application, which may take a few business days. You’ll receive an email or message once your application is approved.
- Activate Your Card: After approval, the card will be mailed to you. Follow the activation instructions provided to start using your Certo! One Mastercard World for global cashback and payment benefits.
The Insurance and Benefits
The Certo! One Mastercard World offers three primary insurance benefits for worldwide users, adding a layer of security at no extra cost:
- Best Price Guarantee: Coverage up to 3000 CHF annually and 2000 CHF per event.
- Purchase Insurance: Protection up to 2000 CHF annually and 2000 CHF per event.
- Rescue Assistance Insurance: Includes transfer to the nearest hospital, repatriation, search, and rescue.
While insurance benefits on credit cards may not be essential—many users rarely activate them, and some may be covered by other insurance—these offerings provide notable value for Certo! One Mastercard World holder.
- Simple: The Certo! One Mastercard World offers easy access to a variety of perks designed to fit different spending needs.
- Flexible: Enjoy payment flexibility, including paying in full or opting for installments. Perfect for managing finances without hassle.
- Secure: The highest security standards are in place, backed by Mastercard® Identity Check™, ensuring safe transactions worldwide.
- Money Back: Earn cashback – 1% on purchases at three chosen retailers and 0.33% on all other purchases.
- Global Acceptance: This card is accepted at 80 million locations globally, and it is an essential worldwide travel card.
- Best Price Guarantee: Find a lower price after purchasing. Certo! One Mastercard World credits the difference.
- No Annual Fee: A free credit card for life. There are no annual fees for the first year or thereafter.
- Mobile & Contactless Payments: Pay easily with your smartphone via Apple Pay, Samsung Pay, or directly at the terminal.
- Purchase Protection: Coverage for 30 days on newly bought items against theft, damage, or destruction.
- Cembra App: Manage transactions, track savings, and select preferred retailers through the user-friendly Cembra app.
Contact Information for Certo! One Mastercard World
For any questions or inquiries about Certo! One Mastercard World, reach out directly:
Phone: 044 439 54 50
Bank: Cembra Money Bank AG
Address: Bändliweg 20, 8048 Zurich
Conclusion
The Certo! One Mastercard World stands out as a top choice in Switzerland and worldwide.
It’s free, widely accepted, and offers strong cashback benefits with flexible rewards. While fees exist, they’re avoidable, making it effectively cost-free.
