Swisscard Cashback coupon code FC4DNV3J5
CHF 40 credit, and 1% cashback on the free card pair I use for everything.
The Swisscard Cashback Cards are my default cards for daily spending, and this page covers the coupon in full: the CHF 40 credit, the cashback, the fees (there are none on the basic tier), how to redeem, and my honest experience after four years.
What the Swisscard coupon gives you
Apply for the free Swisscard Cashback Cards with the coupon code below and you receive a CHF 40 credit once your card is active. The cards have no annual fee on the basic tier, and new cardholders usually get a higher cashback rate in the first months.
You get a CHF 40 credit when you apply with the coupon code, and so do I.
Swisscard referral code
The Swisscard coupon code and the referral code are the same. Enter FC4DNV3J5 when you apply to get the CHF 40 credit.
Swisscard fees and cashback
This is where it shines: the cards are genuinely free and the cashback is real money back on spending you do anyway.
- Annual fee: CHF 0 on the basic Cashback Cards
- Cashback: 1% on the American Express card
- A pair of cards: American Express plus Visa or Mastercard, so you are covered where Amex is not accepted
- Cashback is credited once a year
A quick real example: I spend about CHF 1,000 a month on groceries on the Amex, so 1% is around CHF 10 a month, roughly CHF 120 a year, on spending I would do regardless.
How to redeem the Swisscard coupon
- Start the application for the free Cashback Cards.
- Enter the code FC4DNV3J5 where a referral or promo code is asked.
- Complete the application and activate your card.
- The CHF 40 credit is applied, and you start earning 1% cashback.
Who the Swisscard Cashback Cards are best for
They suit anyone who wants cashback without paying a card fee, and who is happy to carry two cards so Amex acceptance is never a problem. If you want everything inside one banking app instead, neon or Yuh are the better home; for the cards, this pair is hard to beat on cost.
Swisscard review: pros, cons and personal experience
The 1% on the Amex is what makes these great, and the cards are free, so there is really nothing to lose. Amex is not accepted everywhere, but I feel acceptance has increased, and the Visa or Mastercard covers the rest. I have added both to my iPhone wallet and they are my default cards to pay.
Two things to know: the cashback is paid out once a year, and the year you close the card, you lose that year’s accrued cashback. So keep the card at least until the annual payout.
Pros of the Swisscard Cashback Cards
- 1% cashback on the American Express
- Genuinely free, no annual fee on the basic tier
- A pair of cards so you are accepted almost everywhere
- Work in Apple Pay and Google Pay as default cards
- Nothing to lose: free cards plus real cashback
Cons of the Swisscard Cashback Cards
- Cashback is paid out only once a year
- You lose the accrued cashback if you close the card before the annual payout
- Amex is still not accepted everywhere, though acceptance is growing
About Swisscard
The Swisscard Cashback Cards come as a pair, an American Express and a Visa or Mastercard. You earn cashback on what you already spend and it is paid back once a year, with no annual fee on the basic tier.
Frequently asked questions
Are the Swisscard Cashback Cards free?
Yes, the basic tier has no annual fee, and you earn 1% cashback on the American Express.
How much cashback do you get?
1% on the American Express card. On CHF 1,000 a month of spending that is about CHF 120 a year.
When is the cashback paid out?
Once a year. If you close the card before the annual payout, you lose that year’s accrued cashback.
How do I get the CHF 40 credit?
Enter the code FC4DNV3J5 when you apply. The credit is added once your card is active.
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