Credit Suisse Credit Cards
Accounts and cardsCredit Suissecredit cardsSimply pay – then make the mostof the additional servicesWhat you need to know about Credit Suissecredit cardsYou can use your Credit Suisse credit card to obtain goodsand services without cash in Switzerland and abroad, and makepayments at a later date. Credit Suisse offers a variety of creditcards that allow you to pay conveniently and securely anywherein the world.Credit Suisse credit cards offer you:ȷȷ The security of a globally accepted means of paymentȷȷAdditional services such as insurance and travel/emergency assistanceCredit Suisse makes a distinction between credit cards as partof Bonviva packages and individual cards from AmericanExpress, and Mastercard and Visa.Bonviva credit cards1Bonviva Banking Packages simplify your daily banking business.Based on your particular needs, you can choose the accountcombination best suited to you with Debit Mastercard cards andcredit cards from Mastercard or Visa and American Expressexclusively created for Bonviva. When you pay with Bonvivacredit cards, you are rewarded with Bonviva points that can beredeemed for vouchers, tickets, air miles, and other attractiverewards from the Bonviva Rewards Shop. With Bonviva creditcards, you also enjoy a host of security and travel services.Further information is available at www.credit-suisse.com/bonviva.Mastercard and Visa credit cards1The practical credit cards from Mastercard and Visa enable youto benefit from all the advantages of traditional credit cards witha monthly spending limit. Cards are accepted worldwide so youcan enjoy shopping anywhere you want. Mastercard Gold is alsoavailable in EUR and USD on request.American Express charge1With the internationally renowned American Express cards,cardholders enjoy the highest level of financial flexibility with nofixed monthly spending limit. All American Express cards offera comprehensive range of services such as transport accidentinsurance, travel inconvenience insurance, and personal assistance. American Express cardholders can also participate inthe attractive Membership Rewards Program and benefit fromexclusive rewards.Your needsȷȷ You want financial flexibility.ȷȷYou are concerned about security when traveling.ȷȷYou would like to have the right currency at all times.Featuresȷȷ Collect valuable bonus points and choose your rewards.ȷȷAdditional card for your partner available on request.ȷȷImmediate replacement if lost or stolen.ȷȷȷȷYou incur no liability if your card is misused by third parties,provided that you have met your obligations to cooperateand exercise due care.Pay easily and securely with Google Pay2, Apple Pay, andSamsung Pay1 Credit cards, issued by Swisscard AECS GmbH.2 American Express credit cards excluded.1/8
Bonviva credit card conditionsBonviva Platinum Bonviva GoldBonviva SilverBonvivaAmerican Express PlatinumCardBonviva Visa BonvivaGold or BonvivaAmerican Express World Mastercard Gold CardGoldBonviva Visa Bonviva AmericanGold or BonvivaExpress CardWorld Mastercard GoldBonviva Visa Classic orBonviva WorldMastercard StandardPrincipal cardsIncl. in packagepriceIncl. in packagepriceIncl. in packagepriceIncl. in packagepriceIncl. in packagepriceIncl. in packagepriceAdditional cardCHF 120CHF 120CHF 120CHF 120CHF 60CHF 60Replacement cardFreeFreeFreeFreeCHF 25CHF 25Cash withdrawals at SwissATMs/Postomats3.75%,min. CHF 53.75%,min. CHF 53.75%,min. CHF 53.75%,min. CHF 53.75%,min. CHF 53.75%,min. CHF 5Cash withdrawals at ATMs1(abroad)3.75%,min. CHF 103.75%,min. CHF 103.75%,min. CHF 103.75%,min. CHF 103.75%,min. CHF 103.75%,min. CHF 10Cash withdrawals, counter,Switzerland and abroad3.75%,min. CHF 103.75%,min. CHF 103.75%,min. CHF 103.75%,min. CHF 103.75%,min. CHF 103.75%,min. CHF 10Payment reminder feeCHF 20CHF 20CHF 20CHF 20CHF 20CHF 20Annual interest rate as ofbooking date212%12%12%12%12%12%PostFinance deposit chargeAs per postal rateAs per postal rateAs per postal rateAs per postal rateAs per postal rateAs per postal rateForeign currency and crossborder handling fee2.5%2.5%2.5%2.5%2.5%2.5%Copy of monthly statement(per order)––CHF 10CHF 10CHF 10CHF 10Duplicate monthly statementto own or third-partyaddress (annual flat rate)––CHF 25CHF 25CHF 25CHF 25Mail order foreign countries(per monthly statement)––CHF 1CHF 1CHF 1CHF 1Address inquiry––CHF 25CHF 25CHF 25CHF 25Card delivery by expressor courierCosts exceedingCHF 100Costs exceedingCHF 100Actual costs,at least CHF 25Actual costs,at least CHF 25Actual costs,at least CHF 25Actual costs,at least CHF 25Bonus programBonviva RewardsBonviva RewardsBonviva RewardsBonviva RewardsBonviva RewardsBonviva Rewardsȩȩ Conversion rate4CHF 1 2 pointsCHF 1 0.4 pointsCHF 1 1.5 pointsCHF 1 0.4 pointsCHF 1 1 pointCHF 1 0.2 pointsTransport accident insuranceCHF 1,000,000CHF 1,000,000CHF 700,000CHF 700,000CHF 500,000CHF 500,000Priority Pass5YesNoNoNoNoNoBonviva travel & concierge service YesNoNoNoNoNoTravel cancellation insuranceCHF 15,000CHF 15,000NoNoNoNoLuggage insuranceCHF 6,000CHF 6,000CHF 4,000CHF 4,000NoNoRental car insuranceCHF 80,000CHF 80,000NoNoNoNoAnnual feesAdditional chargesServices32/8
Bonviva credit card conditionsBonviva Platinum Bonviva GoldBonviva SilverBonvivaAmerican Express PlatinumCardBonviva Visa BonvivaGold or BonvivaAmerican Express World Mastercard Gold CardGoldBonviva Visa Bonviva AmericanGold or BonvivaExpress CardWorld Mastercard GoldBonviva Visa Classic orBonviva WorldMastercard StandardPurchase protection planCHF 1,000CHF 1,000CHF 1,000CHF 1,000NoNoEmergency assistanceYesYesYesYesNoNoAmerican Express SelectsSM, 6YesNoYesNoYesNoLost-key serviceYes (incl. 5 keytags)Yes (incl. 5 keytags)Yes (incl. 3 keytags)Yes (incl. 3 keytags)Yes (incl. 1 keytag)Yes (incl. 1 keytag)Mastercard Priceless Cities7NoExclusively forWorld MastercardNoExclusively forWorld MastercardNoExclusively forWorld MastercardCardservice (online)Optional, free ofchargeOptional, free ofchargeOptional, free ofchargeOptional, free ofchargeOptional, free ofchargeOptional, free ofchargeSpending overview with balancenotificationOptional, free ofchargeOptional, free ofchargeOptional, free ofchargeOptional, free ofchargeOptional, free ofchargeOptional, free ofchargeFurther conditionsMonthly credit limit per package8Up to CHF 50,000 Up to CHF 50,000 Up to CHF 30,000 Up to CHF 30,000 Up to CHF 25,000 Up to CHF 25,000Replacement card usuallyprovided within48 hours48 hours48 hours48 hours48 hours48 hoursLiability in the event of card theftor lossNone9None9None9None9None9None9PIN codeYesYesYesYesYesYesAccount management (currency)CHFCHFCHFCHFCHFCHFDirect debitYesYesYesYesYesYesPayment slipYesYesYesYesYesYeseBillYesYesYesYesYesYesCash withdrawalYesYesYesYesYesYesInstallment optionYes10Yes10Yes10Yes10Yes10Yes10Payment typesCash/Installment facility1 Lottery, gambling, and casino transactions are treated in the same way as cash withdrawals from ATMs (abroad).2 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 theissuer’s current monthly bill, or can be requested from the issuer’s customer service team at any time.3 You can find the exact conditions (including the sums insured and the exclusions of liability) in the General Terms and Conditions of Insurance (including theinformation for persons insured under the group insurance plan), which can be viewed at www.swisscard.ch or requested from Swisscard AECS GmbH.4 Excluding fees, interest, chargebacks, cash withdrawals, payments for money transfers and currency exchange (also in monetary surrogates such as cryptocurrencies, traveler’s checks, topping up cashless payment methods, etc.) as well as payments to securities traders, payments for benefits affiliated with the card (e.g.optional insurance), and gambling and gambling-like activities.5 Access to over 1,300 airport lounges. The services are provided by Priority Pass. Please also be sure to read the General Terms and Conditions that you receivedwith your Priority Pass.6 Offers and discounts exclusively for American Express members worldwide.7 Take advantage of exclusive shopping and value propositions and look forward to extraordinary events in the most exciting cities in the world. Find out moreat priceless.com.8 Subject to successful credit check by the card issuer.9 No liability provided that the due care obligations set out in the General Terms and Conditions have been met.10 Credit approval is prohibited if it leads to overindebtedness.3/8
Terms and conditions for Mastercard and Visa credit cardsMastercard and Visa credit cardsViva Mastercard Credit SuisseStandard CHF Visa ClassicCredit SuisseWorldMastercard StandardCredit SuisseVisa GoldCredit SuisseWorldMastercard GoldCredit SuisseWorldMastercard Gold EURCredit SuisseWorldMastercard Gold USDPrincipal cardIncluded in theViva BankingPackageCHF 100CHF 100CHF 200CHF 200EUR 200USD 200Additional cardNot possibleCHF 25CHF 25CHF 75CHF 75EUR 75USD 75Replacement cardCHF 25CHF 25CHF 25CHF 25CHF 25EUR 25USD 25Annual feesSpending bonus on annual fee50% discount1(subsequent year)n/an/an/aCHF 10,000CHF 10,000EUR 10,000USD 10,000100% discount1(subsequent year)n/aCHF 10,000CHF 10,000CHF 20,000CHF 20,000EUR 20,000USD 20,000Cash withdrawals at SwissATMs/Postomats3.75%,min. CHF 53.75%,min. CHF 53.75%,min. CHF 53.75%,min. CHF 53.75%,min. CHF 53.75%,min. EUR 53.75%,min. USD 5Cash withdrawals at ATMs(abroad)2/ bank counter3.75%,min. CHF 103.75%,min. CHF 103.75%,min. CHF 103.75%,min. CHF 103.75%,min. CHF 103.75%,min. EUR 103.75%,min. USD 10Payment reminder feeCHF 20CHF 20CHF 20CHF 20CHF 20CHF 20CHF 20Annual interest rate as ofbooking date312%12%12%12%12%12%12%Processing supplement forpayment in foreign currency2.5%2.5%2.5%2.5%2.5%2.5%2.5%Copy of monthly statement(per order)CHF 10CHF 10CHF 10CHF 10CHF 10EUR 8USD 10Duplicate monthly statementto own or third-party address(annual flat rate)CHF 25CHF 25CHF 25CHF 25CHF 25EUR 20USD 25Mail order foreign countries(per monthly statement)CHF 1CHF 1CHF 1CHF 1CHF 1EUR 1USD 1Address inquiryCHF 25CHF 25CHF 25CHF 25CHF 25EUR 20USD 25Card delivery by express orcourierActual costs,Actual costs,Actual costs,Actual costs,Actual costs,Actual costs,at least CHF 25 at least CHF 25 at least CHF 25 at least CHF 25 at least CHF 25 min EUR 20Additional chargesActual costs,min USD 25Cross-border CHF transaction fee 2.5%2.5%2.5%2.5%2.5%n/an/aPaper statement feeCHF 1.95CHF 1.95CHF 1.95CHF 1.95CHF 1.95EUR 1.95USD 1.95Invalidity ordeathCHF 400,000CHF 400,000CHF 400,000CHF 700,000CHF 700,000CHF 700,000CHF 700,000Search &recoveryCHF 60,000CHF 60,000CHF 60,000CHF 60,000CHF 60,000CHF 60,000CHF 60,000Benefits4Travel accident4/8
Terms and conditions for Mastercard and Visa credit cardsMastercard and Visa credit cardsViva Mastercard Credit SuisseStandard CHF Visa ClassicCredit SuisseWorldMastercard StandardCredit SuisseVisa GoldCredit SuisseWorldMastercard GoldCredit SuisseWorldMastercard Gold EURCredit SuisseWorldMastercard Gold USDPersonal anceEmergencyassistanceEmergencyassistanceTravel YesYesMastercard Priceless Cities5YesNoYesNoYesYesYesSpending overview with balancenotificationOptional, free of Optional, free of Optional, free of Optional, free of Optional, free of Optional, free of Optional, free r conditionsCredit limit per month/package6Up toCHF 10,000Up toCHF 10,000Up toCHF 10,000Up toCHF 30,000Up toCHF 30,000Up toEUR 20,000Up toUSD 20,000Lost card/replacement card48 hours48 hours48 hours48 hours48 hours48 hours48 hoursLiability in the event of cardtheft or lossNone7None7None7None7None7None7None7PIN codeYesYesYesYesYesYesYesAccount management (currency)CHFCHFCHFCHFCHFEURUSDDirect debitYesYesYesYesYesYesNoPayment ash withdrawalYesYesYesYesYesYesYesInstallment optionYes8Yes8Yes8Yes8Yes8Yes8Yes8Payment typesCash/Installment facility1 Discount on the annual fee in the next year upon reaching the defined annual spending amount (with the exception of fees, interest, chargebacks, amountsoutstanding, cash withdrawals, charges of assets, as well as sales from lottery, gambling, and casinos, further restrictions reserved).2 Lottery, gambling, and casino transactions are treated in the same way as cash withdrawals from ATMs (abroad).3 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 theissuer’s current monthly bill, or can be requested from the issuer’s customer service team at any time.4 You can find the exact conditions (including the sums insured and the exclusions of liability) in the General Terms and Conditions of Insurance (including theinformation for persons insured under the group insurance plan), which can be viewed at www.swisscard.ch or requested from Swisscard AECS GmbH.5 Take advantage of exclusive shopping and value propositions and look forward to extraordinary events in the most exciting cities in the world. Find out more atpriceless.com.6 Subject to successful credit check by the card issuer.7 No liability provided that the due care obligations set out in the General Terms and Conditions have been met.8 Credit approval is prohibited if it leads to overindebtedness.5/8
American Express card conditionsAmerican Express charge cardsPlatinum Card American Express Gold CardAnnual feeCHF 900CHF 300Supplementary cardsMain Card: 1 Platinum MetalPrimary Supplementary Card: 1 Platinum MetalComplementary Supplementary Cards: Up to 4,Combination of Gold and GreenCHF 150Replacement cardFreeFreeAnnual feesAdditional chargesCash withdrawals at Swiss ATMs/ 4%, min. CHF 5Postomats4%, min. CHF 5Cash withdrawals at ATMs1(abroad)4%, min. CHF 54%, min. CHF 5Cash withdrawals, counter,Switzerland and abroad4%, min. CHF 54%, min. CHF 5Cash withdrawal limitEvery 30 days, CHF 20,000 / daily limit of CHF 10,000Every 30 days CHF 6,000 / daily limit of CHF 4,000Payment reminder feeNoCHF 20Annual interest rate as ofbooking date12%12%Processing supplement forpayment abroad1.75%2.5%Bonus programMembership RewardsMembership Rewardsȩȩ Conversion rateCHF 13 1 pointCHF 13 1 pointAmerican Express lifestylebenefitsYes (exclusive tickets and offers)NoVehicle accident insuranceCHF 1,000,000CHF 700,000CHF 400CHF 300Services2Travel inconvenience insuranceȩȩ Missed connecting flightand flight delayȩȩ Baggage delay 6 hours or more CHF 2,000CHF 1,500CHF 30,000Optional4YesYesFree unlimited accessMembership included (fee payable for entry)Other lounge accessAmerican Express lounges, Centurion lounges,Delta Sky Club loungesNoConcierge serviceTravel & Lifestyle ServiceNoȩȩ HotelsVarious hotel/loyalty programs, including Fine Hotels& Resorts, Hilton Honors, etc.The Vacation Collection, The Hotel Collectionȩȩ FlightsInternational Airline ProgramInternational Airline ProgramTravel cancellationinsurance2Emergency assistancePriorityPass5Travel service6/8
American Express card conditionsAmerican Express charge cardsPlatinum Card American Express Gold CardHertz, Avis, SixtHertzAmerican Express SelectsYesYesSpending overview with balancenotificationOptional, free of chargeOptional, free of chargeMonthly credit limitWithout fixed spending limitWithout fixed spending limitReplacement card usuallyprovided within48 hours48 hoursLiability in the event of cardtheft or lossNone7None7PIN codeYesYesAccount management (currency)CHFCHFDirect debitYes (CHF only)Yes (CHF only)Payment slipYes (full payment only)Yes (full payment only)eBillNoNoCash withdrawalYesYesInstallment optionNoNoȩȩ Rental car programsSM, 6Further conditionsPayment typesCash/Installment facility1 Lottery, gambling, and casino transactions are treated in the same way as cash withdrawals from ATMs (abroad).2 You can find the exact conditions (including the sums insured and the exclusions of liability) in the General Terms and Conditions of Insurance (including theinformation for persons insured under the group insurance plan), which can be viewed at www.swisscard.ch or requested from Swisscard AECS GmbH.3 Excluding fees, interest, chargebacks, cash withdrawals, payments for money transfers and currency exchange (also in monetary surrogates such as cryptocurrencies, traveler’s checks, topping up cashless payment methods, etc.) as well as payments to securities traders, payments for benefits affiliated with the card (e.g.optional insurance), and gambling and gambling-like activities.4 CHF 6.50 per month at least for 12 months, then subject to monthly notice (CHF 78 per year); max. CHF 15,000 is insured per journey and per insured person.5 Access to over 1,300 airport lounges. The services are provided by Priority Pass. Please also be sure to read the General Terms and Conditions that you receivedwith your Priority Pass.6 Offers and discounts exclusively for American Express members worldwide.7 No liability provided that the due care obligations set out in the General Terms and Conditions have been met.Source: Credit Suisse (Switzerland) Ltd., otherwise specified.7/8
Contact UsFor VISA, Mastercard, American Express credit cards and chargecards1 please contact:Swisscard support line available Mon.–Fri., 8:30–17:30.044 659 61 92*1 Swisscard AECS GmbH is a legal issuer of Visa, Mastercard, and AmericanExpress cards.* Telephone calls may be recorded.The information provided herein constitutes marketing material. It is not investment advice or otherwise based on a consideration of the personal circumstances of theaddressee 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 invitationto 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 thegreatest 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 tochange 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 ofthe information and where legally possible does not accept any liability for losses that might arise from making use of the information. If nothing is indicated to thecontrary, 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 notbe reproduced, neither in part nor in full, without the written permission of CS. Your Personal Data will be processed in accordance with the Credit Suisse privacystatement accessible at your domicile through the official Credit Suisse website https://www.credit-suisse.com. In order to provide you with marketing materialsconcerning our products and services, Credit Suisse Group AG and its subsidiaries may process your basic Personal Data (i.e. contact details such as name, e-mailaddress) until you notify us that you no longer wish to receive them. You can opt-out from receiving these materials at any time by informing your Relationship Manager.Copyright 2021 Credit Suisse Group AG and/or its affiliates. All rights reserved.8/8SMMI 2 1114 01.2021 075620ECREDIT SUISSE (Switzerland) Ltd.P.O. Box 100CH-8070 Zurichcredit-suisse.com/cards
What you need to know about Credit Suisse credit cards You can use your Credit Suisse credit card to obtain goods and services without cash in Switzerland and abroad, and make payments at a later date. Credit Suisse offers a variety of credit cards that allow you to pay conveniently and securely anywhere in the world. Credit Suisse credit cards .
of the Credit Suisse Global Investment Returns Yearbook 2013, please contact either the authors or: Michael O’Sullivan, Head of Portfolio Strategy & Thematic Research, Credit Suisse Private Banking michael.o’sullivan@credit-suisse.com Richard Kersley, Head of Global Research Product, Investment Banking Research richard.kersley@credit-suisse.com
metals through Credit Suisse or for inte-rest payments and principal repayments at Credit Suisse. - If the withdrawal limit is exceeded in breach of the notice period, 1.0% of the excess amount is automatically debited as a charge. No restrictions in the case of purchases of securities and precious metals through Credit Suisse or for inte-
Credit Suisse company cards. Payment solutions to help you save time and money. What you need to know about Credit Suisse company cards. 1 . Company cards serve as a modern and secure method of payment. There are many reasons to pay for your day-to-day business expenses using a company card. ȷ
Research Institute October 2019 The changing face of companies . Credit Suisse Research Institute research.institute@credit-suisse.com . Source: Credit Suisse Research, CS Gender 3000 2019 % sample size No. of companies APxJ 36% 1105 Europe 23% 704 Japan 6% 175 Latam 5% 170
financial institutions other than Credit Suisse - that is, Credit Suisse purchased the loans from other originators to securitize them. CSS was the Transaction's underwriter.3 Another Credit Suisse affiliate was the servicer. The loans were securitized pursuant to a Pooling and Servicing Agreement dated as of April 1, 2007 (Dkt.
Cards, Cars and Currency Lesson 2: Credit Cards—A Package Deal . teacher. 16 Cards, Cars and Currency . 4. Explain that there are different kinds of credit cards. Some are major credit cards and can be used at any business that accepts credit cards. These credit cards are issued b
3 8 Stone Block Cards 18 Mummy Cards 18 Hededet Search Cards 10 Treasures 2 Chests 6 Scorpions 18 Sobek Search Cards 10 Treasures 2 Chests 6 Crocodiles 8 Adventurer Cards with a Game Aid on the back plus 4 double-sided Game Aid cards. 1 Ankh Card 4 Horus Cards 5 Thoth Cards 5 Anubis Cards 18 Rubble Search Cards 10 Equipment Cards
ANIMAL NUTRITION Tele-webconference, 27 November, 10 and 11 December 2020 (Agreed on 17 December 2020) Participants Working Group Members:1 Vasileios Bampidis (Chair), Noël Dierick, Jürgen Gropp, Maryline Kouba, Marta López-Alonso, Secundino López Puente, Giovanna Martelli, Alena Pechová, Mariana Petkova and Guido Rychen Hearing Experts: Not Applicable European Commission and/or Member .
