Debit and credit card in one

A unique card – whenever you pay with Mastercard Flex®, you can use it like a debit card or a credit card. So, with a single card you have all the options that until now required two separate cards:

  • paying for purchases at points of sale
  • paying for online shopping
  • cash withdrawals

You decide whether you want the transaction to be debited directly to your bank account or charged to your credit card account.

Credit option

When you use your card’s credit option, you benefit from all the advantages of a credit card. For example, your travel and purchases are protected under comprehensive insurance cover. Plus, you also earn valuable surprize points in the surprize rewards programme. The amount of your purchase is charged to your credit card account or your prepaid card balance.

How to use your card at payment terminals

Debit option

To use your Flex as a debit card, simply select the debit option when you’re ready to pay. Contactless payments can also be made with the new Flex card. The amount of your purchase is debited directly to your bank account – at points of sale, and now also when you shop online.

How to use your card at payment terminals

Paying online

The new Flex card also gives you more freedom to decide how you want to pay for your online shopping. Choose the option you prefer:

  • Credit card or prepaid card number: to charge the purchase to your credit card account or the balance on your prepaid card
  • Debit card number: to debit your bank account directly
How to use your card when shopping online

Contactless payment

Quick, convenient and secure: wherever you see the contactless symbol, you can use the new Flex card to make paying even easier. For amounts up to CHF 40 you don’t even need to enter your PIN code. Simply hold your Flex up to the payment terminal. That’s it! Contactless payments are debited directly to your bank account.

Mobile payment

Use your Android smartphone like your Flex card to pay conveniently and securely – and with every transaction you make, you can choose between the debit and credit options. When you want to pay, simply hold your smartphone up to the contactless terminal. Activate this new feature under “Mobile Pay” in the one app.

More information: www.viseca.ch/mobile-pay

Accepted worldwide

The new Flex card is welcome both at home and abroad, wherever Mastercard is accepted.

  • At over 43 million points of sale
  • Online shopping
  • Cash withdrawals

Insurance cover

Don’t take chances: choose the credit option when you pay for purchases and you will automatically benefit from valuable insurance cover. The Flex Gold provides you with a comprehensive range of insurance cover.

The General Insurance Conditions of the respective insurer apply under all circumstances.

  • Flex Gold
  • Flex Silver
  • Flex Bronze
  • Price protection insurance

  • Extended warranty

  • Trip cancellation insurance and trip interruption insurance

  • Insurance for lost, stolen or damaged luggage

  • Delayed luggage insurance

  • Medical travel assistance

  • Collision damage excess waiver on hired vehicles

  • Purchase protection insurance

The General Insurance Conditions of the respective insurer apply under all circumstances. More information: www.viseca.ch/insurance

The corresponding claim forms can be found here: www.viseca.ch/documents

“one“ digital service

With the “one“ digital service, you can conveniently manage your cards via the web and by app and have a full overview of:

  • all your transactions
  • account settings
  • your balance of points in the surprize rewards programme

Use "one" to also check and approve online payments that apply the 3-D Secure standard. "one" is also available as an app for your smartphone or Apple Watch.

More information: www.viseca.ch/one

surprize rewards programme

Earn valuable surprize points every time you make a purchase, and redeem them in the rewards shop – just choose the credit option when you pay for your purchases. Attractive rewards and vouchers for selected brands await you in the surprize rewards shop.

More information: www.viseca.ch/surprize

Your Flex – convenient and secure

How does the Mastercard Flex work?

How to use your Flex when shopping online?

How to use your Flex when paying at points of sale?

The 3 different types of Flex card in comparison:

The Flex Gold is a debit and credit card in one – with a high spending limit and comprehensive insurance cover for purchases you make using the credit option.

Card limit: from CHF 5 000 Annual fee: CHF 210 Other fees

The Flex Silver combines all the advantages of a debit card and credit card – and extensive insurance protection for the purchases you make using the credit option.

Card limit: from CHF 1 000 Annual fee: CHF 110 Other fees

The Flex Bronze (prepaid) lets you choose between debit and prepaid functions. You just load the card with whatever prepaid amount you like – it’s easy and fast.

Card limit: prepaid Credit Annual fee: CHF 60 Other fees

Select card and complete the application form:

Debit and credit card: <br> Gold
Debit- und Kreditkarte: Silber
Debit and prepaid card: Bronze
 
Debit
Credit
Debit
Credit
Debit
prepaid
Paying online
Accepted worldwide
Cash withdrawals
“one“ digital service
Contactless payment
surprize rewards programme
Mobile payments using your Android smartphone

Is the wide range of functions provided by a combined debit and credit card not something you need?
Discover instead the new Debit Mastercard


 

FAQ – frequently asked questions & answers

Find out everything you need to know about the new Mastercard® Flex cards. The most frequently asked questions are shown here along with the answers.

The Mastercard Flex combines all the advantages of a debit and credit card for the first time in a single card. Mastercard Flex is a new generation of card that gives you more freedom to decide how you want to pay – because it can be used as either a debit or a credit card with a wide range of features. You decide yourself whether you want the amount to be debited directly to your bank account or charged to your monthly credit card bill.

For information about your Mastercard Flex, please contact your bank or Viseca directly. Both phone numbers are printed on your card.

Scan in your card at the payment terminal or ATM and choose “Credit card” to have the transaction charged to your credit card account or “Debit bank account” to the debit the transaction directly to your bank account. Contactless payments are debited directly to your bank account.

Your Mastercard Flex has a debit card number and a credit card number. The amount of your purchase will either be debited directly to your bank account or charged to your credit card account, depending on which number you use when paying for your online shopping.

Every purchase you make using the credit or prepaid option of your Mastercard Flex card earns you surprize points, worldwide. No surprize points are awarded for cash withdrawals or fees charged by Viseca. Transactions made using the debit option do not qualify for surprize points.

When you pay using the credit option, you are automatically well-insured. Because you benefit from a variety of attractive insurance services, depending on the type of card you have. The debit feature does not provide insurance cover.

In VisecaOne you can view all the transactions you make with your Mastercard Flex.

Yes, the limits applicable to the two payment options are set individually by your bank and are independent of each other.

Yes, the amounts of some fees differ depending on which payment feature you use. A detailed overview of fees is provided by your bank.

Yes, the Mastercard Flex card can be registered for VisecaOne and TWINT. However, currently, only Android devices are compatible with VisecaOne. Viseca Card Services SA, as the card issuer for its shareholder and partner banks, does not currently offer Apple Pay or Samsung Pay payment services.