Migros Cumulus-Mastercard MyDesign

General information

  • No annual fee, but one-time fee of CHF 30 in the first year
  • No bank account required
  • Credit check according to Swiss Consumer Credit Act

Annual fee
Main card 1st year CHF 30.00
Following year CHF 0.00
Additional card 1st year CHF 0.00
Additional card subsequent year CHF 0.00
Loss of credit card (cancellation, substitute cards) CHF 20.00
Cash withdrawal at an ATM
In Switzerland 3.75%
Minimal amount per withdrawal CHF 5.00
Abroad 3.75%
Minimum amount per withdrawal CHF 10.00
Purchases abroad
Foreign currency conversion (exchange sell rate) plus service charge 1.50%
Conditions for partial payment
Installments possible Yes
Annual interest 9.90%


  • Capital sum in the event of an accident: CHF 300,000
  • Delayed flight: CHF 500
  • Coverage in the event of the airline's insolvency: CHF 2,000
  • Coverage of legal expenses when abroad:
    CHF 250,000 in Europe, CHF 50,000 worldwide

Rewards scheme

Cumulus Points
1 CHF turnover inside Migros group
= 1 Cumulus- Point
3 CHF turnover outside Migros group
= 1 Cumulus- Point
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