Whatever you want Wherever you like

Transcription

1 TopCard Credit Cards. A lot more than a means of payment. Whatever you want Wherever you like

2 TopCard Credit Cards. Welcomed by 30 million partners worldwide. A worldwide employable means of payment, a TopCard credit card is your perfect companion. For shopping, making purchases on the Internet and for withdrawing cash, whether at home or abroad. TopCard Visa Card Classic TopCard MasterCard Standard Your credit card as flexible as you! TopCard credit cards allow you to make simple and secure cash-free payments worldwide. Whether doing your daily shopping, ordering goods on the Internet or travelling, you will receive a warm welcome from over 30 million partners. Quality and security thanks to long experience. TopCard offers a diverse range of credit cards tailored to clients individual requirements. But whichever card you choose, our many years experience means that first-class service is guaranteed. The card that s right for you. According to your individual requirements, you can choose a TopCard Visa Card or a TopCard MasterCard or both cards together for a preferential price. A second card means you always have the right card at hand and remain flexible even if one of your cards is lost or damaged, while a partner card lets someone close to you enjoy all the benefits of your card at a special lower rate. TopCard Online portal. With the TopCard Online portal you can check your credit card account, credit card bill and spending limit. This means you have an overview of your spending at all times. A detailed breakdown by category of all your outgoings also helps you keep control. Register at: 2

3 Not a care in the world With the right card for every purpose

4 The advantages of TopCard credit cards. Financial flexibility and first-class service. High flexibility by payment transactions, a customer service that is always on hand and a whole range of additional benefits. The hallmark of TopCard credit cards. Carefree travel With a versatile means of payment

5 Flexible payment transactions. You decide whether you want to pay your monthly bill in full or in instalments. Premium 24-hour customer service. For questions, emergencies and card blockings, our professional Customer Service team will be more than happy to help 24 hours a day, 365 days a year. Contactless payments. Contactless payment makes searching for small change a thing of the past. Simply hold your card up to the reader and pay for amounts up to 40 francs in an instant without having to sign or enter a PIN. Other benefits. Cash withdrawals at ATMs in Switzerland and abroad Discounts on car rental at Europcar 24-hour Assistance Service offering on-the-spot medical and legal assistance worldwide as well as important travel information

6 Credit cards with comprehensive protection. Because security comes first. Whether for ordinary shopping, major purchases, Internet orders or cash withdrawals, with a TopCard credit card, security always comes first. For every transaction! Secure shopping Including on the Internet 6

7 Travel and aviation accident insurance. You and your relatives automatically receive free accident insurance cover (death and disability) for travel on public transport, provided you pay for your journey with your TopCard credit card. Instead of the signature, comfortably paying with the PIN code. Paying with PIN code is safer and simultaneously simplier and faster. So you pay with your TopCard credit cards also the daily purchases in some seconds and you save time. Optimum security. The latest chip technology and a modern early-warning system for monitoring suspect transactions guarantee you optimum security when making payments. In addition, we support the 3-D Secure international security standard, a password system which provides you with better protection against unauthorized access when making online purchases. More information on 3-D Secure is available at 7

8 Gold cards from TopCard. With a range of interesting extras. Would you like to have even more exclusivity? And to enjoy the benefit of a range of extras? Then Gold Cards from TopCard are the perfect solution for you! TopCard Visa Card Gold TopCard MasterCard Gold Even more exclusivity for you Thanks to all extra benefits

9 Higher card limits for increased flexibility. With a TopCard Gold Card, you enjoy even greater financial freedom, thanks to a monthly upper limit of at least 10,000 francs. The issue of a Gold Card is subject to a minimum gross income of 75,000 francs per annum. Enhanced insurance protection. You enjoy added insurance cover in the event of death or disability of up to 600,000 francs (instead of max. 300,000 francs) when travelling on public transport. Best-price guarantee. If, after making a purchase with your TopCard Gold Card, you discover that another retailer was offering the item at a lower price, you can claim back the difference in price. Collision Damage Waiver. You are generally subject to a deductible in the event of theft or damage to a rental vehicle. If you pay for your vehicle rental using your TopCard Gold Card, the insurance will cover an amount of up to CHF 10,000 should an insured event occur. Access to airport lounges worldwide. The free Priority Pass (normal cost: 99 euros) gives you access to over 700 airport lounges worldwide. These lounges provide you with an ideal location for relaxing and freshening up if you have to wait a long time between flights or if there are unexpected delays. Only the admission fee of 22 euros is debited to your card each time you use a lounge.

10 Clear and transparent. Services. Services Classic/Standard Card Gold Card Travel and aviation accident insurance 1 death and disability up to rescue and repatriation up to CHF 300,000 CHF 60,000 CHF 600,000 CHF 60,000 Collision Damage Waiver Deductible insurance for vehicle rental 1 up to CHF 10,000 per insured event Best-price guarantee 1) up to CHF 2,000 per year Priority Pass For access to airport lounges (optional) free of charge (normal cost: EUR 99). Only the admission fee of EUR 22 is debited to your card each time you use a lounge. Contactless payments 24-hour customer service Tel hour Assistance Service Help in case of emergencies abroad yes Tel Car hire with special conditions at Europcar up to 20% up to 25% Payment options paying-in slip with payment in instalments option 2) e-bill with payment in instalments option 2) direct debit (LSV + ) Spending limit as of CHF 5,000 as of CHF 10,000/EUR 6,000/USD 8,000 TopCard Online Portal Display of remaining credit card limit Overview of all transactions processed up to the previous day Access to the last 12 monthly bills (PDF format) Evaluation options according to selected criteria such as amount, period of time or spending category Ordering of a new PIN code 1) Insurance cover applies if journey paid for with TopCard Credit Card. 2) Payment of the entire amount or part thereof (at least 5% of the invoice amount or a minimum of 50 francs) within 15 days of the statement date; annual interest rate 12%. The granting of credit is forbidden if it leads to the overindebtedness of the consumer (Art. 3 of the Swiss Federal Act Against Unfair Competition). 10

11 Clear and transparent. Fees. Fees Classic/Standard Card Gold Card Main card 1 st year Thereafter per year CHF 50 CHF 100 CHF 100 EUR 65 USD 75 CHF 200 EUR 130 USD 150 Second card for main cardholder CHF 25 CHF 50 EUR 30 USD 50 Partner card from the first year CHF 25 CHF 50 EUR 30 USD 50 Replacement card CHF 20 free of charge Worldwide cash withdrawals at ATMs and over-the-counter (per withdrawal) commission minimum 4% CHF 10 4% 4% 4% CHF 10 EUR 8 USD 10 Currency conversion for transactions in foreign currencies Interest rate for payments in installments (credit option) sell exchange rate of UBS AG plus 1.75% processing surcharge Annual interest rate of 12% Reminder fees CHF 30 to CHF 60 Charging of third-party costs Third-party costs (e.g. postage costs, charges on deposits at the post office counter, courier costs for card delivery abroad, etc.) may be passed on. For detail informations about costs contact our customer service. As of January TopCard reserves the right to alter its services, products and prices at any time in line with changes in market conditions or costs by updating the lists/product information sheets in justified cases without prior notification; the changes will be communicated in an appropriate form. 11

12 TopCard Service Ltd Flughofstrasse 35 P.O. Box CH-8152 Glattbrugg Tel Fax TopCard Service Ltd. Appears also in German, French and Italian. Produced in July 2016.