Migros Bank Silver Credit Card

The credit card for everyday use – belongs in every wallet.

Go to the Migros Bank


Cashless payments
Accepted worldwide: Your credit card is welcomed at over 43 million points of sale worldwide.

Contactless payment
Wherever you see the contactless symbol, you can briefly hold your credit card up to the payment terminal and that's it, you've paid. For small amounts you don't even have to enter your PIN; it's easy, quick and secure.

Buying online
Registering for 3-D Secure is essential if you want to securely buy and pay online, whenever you like. You only need to register once in "one".

Payment by instalments option
Greater financial flexibility when paying the outstanding amount on your monthly balance. Decide yourself whether you want to pay in instalments (min. 5% of the outstanding amount or CHF 100, APR min. 9.9%) or pay the full invoice amount.

Rewards programme

"one" online services
"one" is the online service for easy and secure payment on the Internet. "one" enables you to conveniently check and confirm online payments via a smartphone app (3-D Secure). Viseca Masterpass is a digital wallet developed by Mastercard. There's no need to enter your card details and delivery address, as these are stored. Masterpass is automatically activated in your "one" account.


Travel and Air Accident Insurance
Travel and air accident insurance provides cover if you suffer death, accident or disability as a passenger in a means of transportation. The insured benefits are transport and rescue costs up to CHF 60,000 per year and compensation in the event of disability or death of up to CHF 300,000 per year.

Trip Interruption Insurance
What if something happens during your trip that forces you to abandon it? Trip interruption insurance covers you against unforeseen events during your trip. If you have to interrupt or abandon your trip, the trip interruption insurance covers the cost of the rest of your trip and also any additional return costs up to a maximum of CHF 7,500 per year. In an emergency, please call +41 58 958 82 85.

Trip Cancellation Insurance
You've been looking forward to your trip, but just before you're due to leave, something happens that stops you going. Trip cancellation insurance covers you against unforeseen events prior to your journey. If you have to cancel or postpone your trip, this insurance pays the cancellation or rebooking costs up to CHF 10,000 per year.

Best-price guarantee
Have you just bought a new television and within 14 days found out that somewhere else is selling it cheaper? If you paid for your purchase with your credit card, the price difference will be refunded to you up to CHF 2,000 per year.

Extended warranty
Has your vacuum cleaner given up the ghost not long after the warranty period has expired? If you paid for the purchase with your credit card, the warranty on your new appliance is automatically extended by 12 months, at no extra charge. Reimbursement of repair or replacement costs under warranty of up CHF 2,000 per year. In the event of a claim, simply call +41 58 958 80 44.

Other services

24-hour assistance
The specialists who provide our 24-hour assistance service are available on +41 58 958 82 85 both day and night, will organise assistance for you in an emergency (providing you with the addresses of doctors, hospitals and lawyers worldwide) and offer you advice in emergencies abroad.

Free electronic statement
Instead of a paper statement (for which a charge is made), you can choose to receive your monthly statement electronically as a PDF file. Activate this service in your VisecaOne customer portal.

Option of receiving your paperless statement as a PDF in VisecaOne (ISR/direct debit) or as an e-invoice directly in e-banking (ISR).

SMS services
With the SMS services you have full control worldwide over the available card limits and much more. Simple and convenient – a real benefit.

Additional card
Share the many credit card benefits with your partner or another person of your choice (max. 9 cards).

Payment types
Payment slip (ISR)

Preferential prices
MyWine: The wine experience that comes with your credit card – exclusive offers with preferential prices and money-back guarantee.

Discount on car hire: You can enjoy up to 20% discount on the "non-prepaid standard" rate at Hertz.

Securicard and SecuricardPlus
Securicard is a card blocking and key finder service, for which a charge is payable. Securicard blocks all your registered credit, debit and customer cards for you, including your ID card and your SIM card.

Liability in the event of theft/loss
Provided you take due care, you are not liable for financial damages. In the event of loss or unauthorised use of your card, contact our Customer Service immediately.


Annual fee
Main card: CHF 100
Additional card: CHF 25

Replacement card worldwide
CHF 20, usually within two working days in Switzerland or three to six working days abroad.

Commission for cash withdrawals
4%, min. CHF 10 at ATMs and bank counters worldwide

Transactions in foreign currency
Amount at exchange rate + 1.75% processing fee

Transactions in CHF abroad
Amount + 1.75% processing fee

Credit interest/interest on arrears (annual interest)

Mailing of paper statement
CHF 2 per invoice

General Terms and Conditions and documents