Bonviva Platinum The Package for Individual and Exclusive Banking

Accounts and Cards
Bonviva Platinum
The Package for Individual and Exclusive Banking
Bonviva Rewards Shop
•
Access to the Platinum Boutique with exclusive rewards
Your Needs
You require a comprehensive banking package that meets
the most discriminating needs.
• You wish to combine your banking relationships with your
partner or family.
• You appreciate professional travel services.
•
How You Benefit
Straightforward banking: a single-source partner
• A fixed package price for greater transparency
• Attractive interest rates for your Bonviva private and
savings accounts
• Bonviva credit cards for greater security and freedom
• Bonviva security and travel services, including Priority Pass
and Concierge Service
• Attractive offers from the Bonviva Rewards Shop, including
the Bonviva Platinum Boutique
•
What You Should Know about Bonviva Platinum
This package is for clients seeking highly exclusive services in
addition to comprehensive banking. These services include an
offering well tailored to individual requirements. This banking
package complements the status of clients perfectly and offers
all they could ever want for their personal “savoir vivre.”
Bonviva Banking Services
4 private accounts in CHF (higher interest rate)
• 1 savings account in CHF (higher interest rate)
• 5 current accounts (in CHF, USD, EUR, GBP, or JPY)
• 2 Maestro cards: free cash withdrawals at all ATMs
in Switzerland
• Payment transaction fees for your private and current
accounts included
• Online & mobile banking
•
Contact Us
Your advisor will be happy to arrange a personal consultation.
Call us at 0848 880 844*; Mon.–Fri., 8:00–20:00.
For more information visit our website at:
credit-suisse.com/bonviva
* Please note that telephone calls to these numbers may be recorded. We assume
that by calling us, you accept this business practice.
Bonviva Credit Cards1
•
•
Bonviva VISA Gold or Bonviva World Mastercard Gold
Bonviva American Express® Platinum Card
Bonviva Security and Travel Services
Lost-key service: 5 key rings free of charge
Travel cancellation and curtailment of travel insurance
• Luggage insurance
• Loss damage waiver for rental cars
• Return protection insurance
• Personal assistance
• Transport accident insurance
• Concierge service
• Priority Pass: access to over 1,000 airport lounges
• Travel Service: organization of worldwide travel
• American Express SelectsSM: exclusive offers and benefits
for American Express cardholders
• Mastercard® Priceless® Cities: Exclusive offers for shopping
and value-added services for Mastercard World members
• Spending overview with the balance notification
•
•
1Credit cards, issued by Swisscard AECS GmbH.
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Conditions
• Package price per month: in the 1st year: CHF 40,
subsequent years: CHF 80
• Package price per month with partner option: in the 1st
year: CHF 45, subsequent years: CHF 90. In the case of a
joint account, you will receive the package with the partner
option. With the partner option, you will receive the number
of bank cards shown (Maestro cards and credit cards) in
duplicate, to enable both account holders to benefit from
the Bonviva package.
• The discount in the first year applies to new packages. The
price reduction does not apply to fees for additional cards.
• The package price is debited quarterly. A full year’s fee is
charged if a client cancels the banking package within the
first year. This rule does not apply to subsequent years.
• Bonviva Platinum is available to persons age 18 and older
who are residents of Switzerland.
• An additional check by Swisscard AECS GmbH, the issuer,
is required before a credit card can be issued. The Terms
and Conditions for Charge Cards and Credit Cards of
Swisscard AECS GmbH apply.
Bonviva Banking Services
Private Account
Current Account
Savings Account
Currency
CHF
CHF, USD, EUR, GBP, JPY
CHF
Interest rate p.a.
0.05%
CHF: 0.01%
Other currencies: no interest paid
0.50%
Withholding tax
35% of the credit interest subject
to withholding tax. For accounts with
an annual end-of-year statement,
up to CHF 200 of such credit interest
is exempt from withholding tax.
35% of the credit interest subject
to withholding tax. For accounts with
an annual end-of-year statement,
up to CHF 200 of such credit interest
is exempt from withholding tax.
35% of the credit interest subject
to withholding tax. For accounts with
an annual end-of-year statement,
up to CHF 200 of such credit interest
is exempt from withholding tax.
Interest rate limit
CHF 100,000
(thereafter the standard interest
rate applies)
CHF 100,000
(no interest on excess amounts)
CHF 500,000
(thereafter the standard interest
rate applies)
Account opening/closing
Included
Included
Included
Account management
fee per month
Included
Included
Included
Postage
Included
Included
Included
Third-party charges
Passed on to the client
Passed on to the client
Passed on to the client
Account overdrafts
Only by agreement with the bank
Current interest rate of 12.5% p.a.
Only by agreement with the bank
Current interest rate of 12.5% p.a.
Not permitted
End-of-year statement
Included
• Annually with statement of interest
• Quarterly in the case of overdraft
interest > CHF 30
Included
Included
• Annually with statement of interest
• Quarterly in the case of overdraft
• Annually with statement of interest
Itemized statements
interest > CHF 30
Included
Included
• Standard: monthly via online banking
• At client’s request
(e-documents) or by mail (between the 10th
and 20th of the month)
• Other arrangements available on request
Included
• Annually as of December 31 via online
banking (e-documents) or by mail
Availability
CHF 500,000 p.a.,
three months’ notice for larger sums1
Total credit balance at any time
CHF 50,000 p.a., three months’ notice
for larger sums1. Twelve free withdrawals per
year from the savings account. From the 13th
withdrawal in a year, an administration fee
of CHF 10 will be charged per withdrawal.
Maestro card
• Included (annual fee)
• Free cash withdrawals at all ATMs
• Included (annual fee)
• Free cash withdrawals at all ATMs
Not possible
in Switzerland
• Replacement card CHF 20
• Blocking fee CHF 55
• The two Maestro cards may be linked to a
private and/or current account, depending on
the client’s preference
in Switzerland
• Replacement card CHF 20
• Blocking fee CHF 55 per card
• The two Maestro cards may be linked to a
private and/or current account, depending on
the client’s preference
Online & mobile banking
Included Included Included
Payment transactions
Included
Included
Savings account not suitable for payment
transactions. Where payments are made via
the savings account, the current terms and
conditions apply.
MyIBAN Select3
For each private account
1 MyIBAN Select included
For each current account
1 MyIBAN Select included
Cashmanager
Included
Included
2
2
Included
1 If the withdrawal limit is exceeded in breach of the notice period, 1% of the excess amount is automatically debited as a charge. No restrictions on the purchase of
securities and precious metals (through Credit Suisse) or for interest payments and principal repayments at Credit Suisse (Switzerland) Ltd.
2 This excludes third-party charges. Credit Suisse assumes normal usage of up to a maximum of CHF 10,000 per year and reserves the right to calculate any
charges in excess of that amount in accordance with the current price lists.
3 Personalized international bank account number (IBAN).
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Bonviva Credit Cards1
Annual fee
Bonviva American Express®
Platinum Card
Bonviva Visa Gold/
Bonviva World Mastercard Gold
Principal card
Included
Included
For each additional card2
CHF 120
CHF 120
Liability
If card is lost or stolen
None3
None3
Replacement card
(e.g. in the event of loss, theft,
or willful damage)
Free of charge
Free of charge
Cash withdrawals
with PIN code
Spending limit
Ways to pay
Installment facility5
ATMs in Switzerland
3.75%, min. CHF 5
3.75%, min. CHF 5
ATMs/counters abroad
3.75%, min. CHF 10
3.75%, min. CHF 10
Per month per card bundle
Up to CHF 50,0004
Up to CHF 50,0004
Direct debit (DD)
Yes, in CHF
Yes, in CHF
Payment slip
Yes, in CHF
Yes, in CHF
Minimum payment amount shown
on the monthly bill
5% of total amount, min. CHF 50
5% of total amount, min. CHF 50
12%6
12%6
Annual interest
Payment reminder fee
In the event of late payment
CHF 20
CHF 20
Fee
For transactions abroad or in a foreign
currency
2.5%
2.5%
Bonviva Security and Travel Services7
Lost-key service
5 key rings included (there is a charge of CHF 30 for each additional key ring)
Special offers at selected hotels,
restaurants, and shops worldwide
American Express SelectsSM, 8
Exclusively for American Express
Mastercard® Priceless® Cities
Exclusively for Mastercard World
Organization and provision of assistance, plus cash advances, health insurance for
foreign travel, vehicle assistance abroad, and home assistance
Personal assistance8
Access to over 1,000 airport lounges worldwide
Priority Pass8
Bonviva Travel & Concierge Service
24-hour personal assistance offering travel information and bookings plus the
organization of tickets, events, gifts, etc.
Spending overview with the balance
notification
Included
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Included
1 Subject to compliance with the issuing criteria. The detailed terms and conditions (issuing criteria, card conditions, General Terms and Conditions and General
Conditions of Insurance) can be found at swisscard.ch.
2 The time of debit can be different from that of the package fee.
3 Provided you have met your obligation to cooperate and exercise due care in accordance with the Terms and Conditions for Charge Cards and Credit Cards
of Swisscard AECS GmbH.
4 Subject to successful credit check by Swisscard AECS GmbH, the issuer.
5 Credit approval is prohibited if it leads to overindebtedness.
6 Different provisions may apply to existing contracts that currently use the installment facility. In this case, the applicable annual interest rate can be found on the
issuer’s current monthly bill, or can be requested from the issuer’s customer service team at any time.
7 The advice for non-banking products is not comprehensive.
8 Additional services offered with Bonviva American Express © Platinum Card (also for additional cardholders).
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Bonviva Security and Travel Services1
The following insurance services2 depend on use of the credit card and provide coverage only when the amount is paid by credit card. These benefits
apply to additional cardholders as well.
Bonviva Visa Gold/
Bonviva World Mastercard Gold
Bonviva American Express®
Platinum Card
Maximum sums insured
Transport accident insurance
Disability/death
Maximum sums insured
CHF 1,000,000
Search, rescue, and recovery operations
CHF 60,000
Trip cancellation
and delay insurance
For travel and accommodation
costs abroad
CHF 15,000 per case
Luggage insurance
For personal luggage during foreign travel
CHF 6,000 per case
Loss damage
waiver for rental cars
For rental of passenger cars
(licensed to carry up to 9 people)
for up to 31 days while abroad
CHF 80,000 per case
Return protection insurance
For undamaged, saleable goods with
a value of at least CHF 60
CHF 1,000 per case
Bonviva Rewards Shop3
Bonviva points
on card spending4
Bonviva American Express®
Platinum Card
Bonviva Visa Gold/
Bonviva World Mastercard Gold
CHF 1 = 2 points
(convertible to 1 SWISS Miles & More
reward miles)
CHF 1 = 0.4 points
(convertible to 0.2 SWISS Miles & More
reward miles)
1 The advice for non-banking products is not comprehensive.
2 The exact terms (including amounts insured and exclusions) are shown in the General Terms and Conditions of Insurance, which can be viewed at www.
bonvivacards.ch or requested from Swisscard AECS GmbH.
3 Secure your Bonviva welcome points by using your Bonviva credit card at least five times in the first three months!
4 Not including fees, interest, charges, amounts outstanding, cash withdrawals, as well as turnover from lottery, gambling, and casinos.
Source: Credit Suisse (Switzerland) Ltd., otherwise specified.
The information provided herein constitutes marketing material. It is not investment advice or otherwise based on a consideration of the personal circumstances of the addressee
nor is it the result of objective or independent research. The information provided herein is not legally binding and it does not constitute an offer or invitation to enter into any type
of financial transaction. The information provided herein was produced by Credit Suisse Group AG and/or its affiliates (hereafter “CS”) with the greatest of care and to the best
of its knowledge and belief. The information and views expressed herein are those of CS at the time of writing and are subject to change at any time without notice. They are
derived from sources believed to be reliable. CS provides no guarantee with regard to the content and completeness of the information and does not accept any liability for losses
that might arise from making use of the information. If nothing is indicated to the contrary, all figures are unaudited. The information provided herein is for the exclusive use of
the recipient. Neither this information nor any copy thereof may be sent, taken into or distributed in the United States or to any U. S. person (within the meaning of Regulation S
under the US Securities Act of 1933, as amended). It may not be reproduced, neither in part nor in full, without the written permission of CS.
Copyright © 2018 Credit Suisse Group AG and/or its affiliates. All rights reserved.
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SVMS 5 1054 01.2018
CREDIT SUISSE (Switzerland) Ltd.
CH-8070 Zurich
credit-suisse.com