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Visa Classic:

• Free of charge in the first year, CHF 100 / EUR 75 / USD 75 annually from the second year
• Cash withdrawals: 4% of the amount (min. CHF 10 / EUR 8 / USD 10)
• Payments in foreign currencies: 1.5% processing fee
• Default interest: 15% annual interest for late payment

Visa Gold:

• Free of charge in the first year, CHF 200 / EUR 150 / USD 150 annually from the second year
• All fees as with the Classic Card
• Four free-of-charge airport lounge visits per year (from the fifth entry EUR 30)
• Higher card limit for large business transactions

Visa Classic:

• Expense management with the ÃÛ¶¹ÊÓƵ Commercial Cards Online portal
• Flexible billing options (collective, individual, cost center billing)
• Contactless payments and cash withdrawals with PIN
• Security with 3-D Secure and an early warning system for suspicious transactions
• Discounts: 15% off at Europcar

Visa Gold:

• All the features of the Classic Card plus: additional insurance benefits
• Access to airport lounges thanks to Priority PassÌý³¾±ð³¾²ú±ð°ù²õ³ó¾±±è

Visa Classic (including basic insurance):

• Travel and aviation accident insurance up to CHF 300,000
• Travel delays, lost luggage and document replacement
• Legal and court costs abroad
• Protection against card abuse (corporate liability waiver)

Visa Gold (extended basic insurance included): All services of the Classic Card plus:

• Travel and aviation accident insurance up to CHF 600,000
• Costs of treatment abroad up to CHF 100,000
• Cancellation charges up to CHF 2,000
• Personal travel liability up to CHF 1 million

Supplementary insurance (both cards, optional):

• ÃÛ¶¹ÊÓƵ Business Traveler Plus for extended protection
• Higher insurance sums for travel and luggage
• Rental car insurance (CDW & LDW)
• Costs of treatment abroad up to CHF 200,000 (Gold), CHF 100,000 (Classic)