You do not pay any annual fee for your Certo! One Mastercard. This applies not only in the first year, but also in subsequent years. It applies to both the main card and any additional cards.

The Certo! Mastercard is issued by Cembra. Cembra is a leading Swiss provider of financing solutions and services.

Visit cembra.ch/cards to view our full credit card portfolio, featuring a wide range of attractive products.

With your first purchase in a store or online. The card number and PIN remain the same as with your old Cumulus-Mastercard.

Your Cumulus-Mastercard remains valid for up to 30 days after the first use of your new Certo! Mastercard or until its expiration date. We recommend securely disposing of your old card after the switch.

Update the expiration date and CVC code of your new Certo! Mastercard for all subscription services such as Netflix or online shops, as well as in the “payment methods” section of your browser.

With the Certo! Mastercard, you now receive cashback (money back):

• 1% at Migros, Coop, and SBB

• 0.25% on all other transactions

Loyalty points are no longer awarded. However, you can still collect them by showing your loyalty card (e.g., Cumulus, Supercard) at checkout.

Yes, by showing your loyalty card (e.g., Cumulus, Supercard) at checkout and paying with the Certo! Mastercard, you receive both cashback and loyalty points.