Credit Card
Free credit card: what does that mean?
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You do not pay any annual fee for your Spar 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.
Issuer of the Spar Mastercard: who is it?
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The Spar Mastercard is issued by Cembra. Cembra is a leading Swiss provider of financing solutions and services.
New credit card: how can I order additional cards?
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Visit cembra.ch/cards to view our full credit card portfolio, featuring a wide range of attractive products.
My Design
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Create your personalized credit card: simply upload your preferred image when applying (CHF 30. – per card, one-time fee).
Benefits
Spar points: where can I earn them?
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Millions of online shops and stores, hotels and restaurants, airlines and car rental companies around the world accept Mastercard as a cashless payment method. Important: you earn valuable Spar points whether or not you are a Spar Friend member:
Spending at SPAR: CHF 1.– = 1 point
Spending outside SPAR: CHF 2.– = 1 point
Once you reach 500 Spar points, you receive a CHF 5. – voucher, redeemable at SPAR. Spar vouchers are non-personal, valid for six months and sent quarterly with your credit card statement.
Free insurance benefits for your Spar Mastercard
All information about the included insurance benefits can be found in the picture_as_pdf General Insurance Conditions .
Costs: do the insurances cost extra?
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The insurances are included with the Spar Mastercard and are free of charge.
Claim: what happens after reporting a claim?
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The insurer records your personal data, determines the type of claim and organizes the appropriate assistance or payment (for covered claims). It then checks whether you hold a valid SPAR Mastercard World.
Claim: who decides whether a benefit is granted?
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The insurer makes the decision. Cembra cannot provide information, advice or assessments regarding claims.
Insurance benefits on other credit cards: is that possible?
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No, that is not possible.
