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Best-price guarantee

We have all been there before. Shortly after buying a specific product, you discover that a different vendor is selling the same product at a much lower price. If the product is relatively expensive (television, computer, etc.), the price difference can be several hundred Swiss francs. If this is the case, the insurer will refund you the price difference under its best-price guarantee.

If you have any questions, call us on +41 58 958 80 44.

In case of any inconsistencies between the answers below and the general insurance conditions, the general insurance conditions apply in all cases.

After purchasing your new television, did you discover within 14 days that you could have bought the same product at a cheaper price from a different merchant? If this is the case, the insurer will refund you the price difference under its best-price guarantee.

The cardholder benefits from insurance cover (main, second, additional and partner cards).

The following prerequisites must be met for the insurance to provide cover:

  • A valid Viseca credit card/prepaid card was used to pay for the insured item in full.

  • Both the purchased item and its cheaper equivalent originate from a merchant based in Switzerland.

  • The cardholder can prove that they discovered the identical, cheaper equivalent item no later than 14 days after making their purchase.

  • The price difference is at least CHF 30.

The following maximum sums insured apply:

  • CHF 1,000 per claim and year: Mastercard Prepaid and Visa Prepaid

  • CHF 2,000 per claim and year: World Mastercard Silver, Visa Classic, Visa GKB HCD Card, World Mastercard Gold, Visa Gold and Flying Blue World Mastercard

There is no excess.

The following Viseca cards include the best-price guarantee:

  • Mastercard Prepaid

  • Visa Classic

  • World Mastercard Silver

  • Visa Prepaid

  • Visa GKB HCD Card

  • World Mastercard Gold

  • Visa Gold

  • Flying Blue World Mastercard

The best-price guarantee applies to any insured items that you buy from a merchant (e.g. retail store, mail order supplier, Internet seller) based in Switzerland. Please note that a website with the “.ch” domain does not necessarily belong to a company based in Switzerland. The relevant legal notice on the vendor’s website will provide information on where the provider is based.

Movable items for personal use are insured.

To claim the difference in price, check whether the equivalent item really is identical, offering the same scope of performance (terms of delivery, assembly, duration of warranty, size, colour, etc.) and originating from a vendor based in Switzerland. Obtain the necessary confirmations and proof, and send us the claim documentation in full.

If you have any questions, call our insurance specialists at Viseca Card Services SA on +41 58 958 80 44.

In order for us to check your entitlement to a refund, you must send the following documentation to the address indicated on the claim form:

  • Fully completed claim form

  • Proof that a valid Viseca credit card/prepaid card was used to pay for the insured item in full (copy of monthly invoice)

  • Sales receipt/order confirmation showing the purchase price and date

  • Date-marked proof that the equivalent item is available at a lower price

Yes, the equivalent item must be the exact same product. The item’s scope of performance (terms of delivery, assembly, duration of warranty, size, colour, etc.) must also be identical.

No, the equivalent item must be available to the general public as well in order for its price to be compared fairly with the item you purchased. We cannot take into account products that are only available to a limited circle of people.

The cheaper equivalent item must have been available no later than 14 days after you made your original purchase. Please bear in mind that you must include corresponding (date-marked) proof of this when submitting the relevant documentation.

No, we will only refund the price difference if you became aware of the cheaper equivalent item no later than 14 days after you made the purchase.

If it is not possible to obtain hard-copy proof, you can print out details of the product online. Alternatively, you can photograph the item when you see it on the shelf, and then print this photo out. Please note: in all cases it must possible to ascertain the product’s identity – i.e. the exact name (e.g. “SONY CMR-250”) – and cost; the proof you provide must also be date-marked.

Yes, the best-price guarantee also applies to price promotions, discounts, sales, etc. – but not to winding-up sales.

No, you need to have paid the purchase price in full using a valid Viseca credit card/prepaid card.

Yes, provided that the vendor is a commercial supplier based in Switzerland, and that the product is being offered in Switzerland for the Swiss market.

No, the best-price guarantee only applies to items from merchants based in Switzerland.

Yes, you will only receive insurance protection if you pay for the product in full with your credit card.

Yes, the same requirements exist for a comparison only if any credit card fees are taken into account for both the item purchased and the cheaper equivalent. Please note that these charges are levied by the merchants and not by Viseca. We do not have any influence over merchants’ pricing policies.

No. Insurance protection only applies to movable items that are bought for personal use. It does not apply to services.

The insurance is included in the annual fee for your Viseca credit card/prepaid card and is not subject to any additional costs.

Items excluded from the insurance cover include the following:

  • Items that are only available to a limited circle of potential buyers (e.g. in student or staff stops)

  • Items included in winding-down sales

  • Mobile devices

  • Medical aids (e.g. glasses, medical devices, prostheses, medical accessories)

  • Used/second-hand items