Certo! One Mastercard Customer Centre

You do not pay any annual fee for your Certo! One Mastercard. This applies not only in the first year, but also in subsequent years. It applies to both the main card and any additional cards.

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Issuer of the Certo! One Mastercard: who is it? expand_more

The Certo! One Mastercard is issued by Cembra. Cembra is a leading Swiss provider of financing solutions and services.

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New credit card: how can I order additional cards? expand_more

Visit cembra.ch/cards to view our full credit card portfolio, featuring a wide range of attractive products.

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My Design expand_more

You can personalize your credit card by uploading your preferred image during the application process. Alternatively, you can order your customized card later – the one-time fee is CHF 30.– per card.

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Benefits: Cashback

1% cashback: where do I get money back? expand_more

With the Certo! One Mastercard, you receive 1% cashback at three favorite merchants of your choice on every purchase. Everywhere else, you receive 0.25% each transaction. Details and exceptions can be found here . To receive cashback, you must pay with the Certo! One Mastercard.

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Cashback payout: how and when is my saved money credited? expand_more

You can view your savings in real time in the Cembra App and each month on your credit card statement. Cashback is credited to your statement every three months.

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Top 3 favorite merchants

Adjusting favorite merchants: where and how often can I do this? expand_more

If you don’t make a selection after receiving your new Certo! One Mastercard, you’ll automatically receive 1% cashback at Migros, Coop and SBB. Everywhere else, you save 0.25% per purchase. To select your personal favorite merchants, you’ll need the Cembra App (available in the Apple App Store and Google Play Store). Your personal login details will be sent with the welcome letter, even before you receive the physical card. More information about the Cembra App is available here.
You can update your top 3 favorite merchants every 30 days in the Cembra App. Changing merchants is optional. If you don’t make any changes, your current selection remains active. Note: favorite merchants can only be selected with the Certo! One Mastercard, not with the Certo! Mastercard. If you’d like to receive a Certo! One Mastercard, you can request it easily via our Customer Support.

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I can’t find my favorite merchant in the selection expand_more

You can choose your top 3 merchants from the current catalog in the Cembra App. Additional merchants are added regularly.

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Free insurance benefits for your Certo! One Mastercard

All information about the included insurance benefits can be found in the picture_as_pdf General Insurance Conditions .