No, not really. From the App you can’t do much instantly. Maybe order a new card ?
Then I am not sure what you meant with your previous message.
Just because it’s a security theatre. They could have just asked for login/password. The sms doesn’t make it safer if it’s received on the same device. Bonus worse points if you are abroad or can’t receive sms.
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Actually, looking at my cc statements I noticed I am only getting 0.25% from the visa, so I switched to using the cumulus. Man I should probably just have one card and forget about these Cashback peanuts.
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Does anyone knows where to report the cashback amount on the tax report filling? Should be included as other income?
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…within the boundaries of the law. So nothing crazy in asking questions to make sure the declaration is correctly filled.
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I have applied to open a Cashback account but noticed that interest applies on " Taux d’intérêt annuel à partir de la date de comptabilisation", does this mean that we have an interest of 11.95% from the time of the transaction and not the time of payment? I thought we would have some time to pay the monthly bill before having to pay any interest (as for Cumulus Mastercard).
Many thanks for your inputs 
No. If you pay in time, you have no interest to pay. But if you don’t pay in full, the interest is calculated from the day of the transaction, not from the date the statement was issued.
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Guys, I just got the Cashback cards and tried to top it up above the set limit (which is 3300 CHF), so I sent a bank transfer as it is stated here - Bank details – Services | Swisscard AECS
But the transfer seems to be rejected. I just see “Bank remittance” in transactions.
I have also Cummulus card and there I can simply top it up, so basically I never risk paying interest rate if I forget something.
How can I top up this Cashback card over 3300 CHF to be also on the safe side here?
Credit card companies do not like it, if you top it up. They are not a bank and cannot/may not accept plenty of CHF by each customer because of legal reasons. If it is a one, or lets say three time thing a year, they accept it, if you do not exaggerate with the amount.
Did you use the orange payslip which is provided by them?
Maybe you can contact them to increase the limit, e.g. 4k. With the app by Swisscard you will be able to track your „progress“ and stop, when you reached 3k in spending, for example.
If you are afraid that you might forget to pay, just put the minimum amount, not the maximum. The worse it can happen, the next month you have to pay less than 1 chf in interest.
Or don’t put anything at all, Swisscard will send you a 30chf bill, you call them and explain what happened and if you are a good customer, they will waive it (not the interest of less than 1chf though).
Just be nice. If you have bills around 3k chf every month I suppose you are a good customer.
Don’t bother for the interest, it usually cost you more the phone call than those interests.
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Thanks for the suggestions. Actually, the money arrived to my Cashback account today. So you can top up, but it takes almost a week.
Now I am looking where you can actually use American Express for payments in Switzerland and I am not really finding a lot. Where do you guys pay with that card?
I’ve noticed that a few merchants seemed to have stopped accepting AMEX that used to accept it (Restaurants, especially). But since it’s still accepted at Migros, coop and Denner, that covers a lot.
Digitec doesn’t list AMEX as a payment method, and if I remember it’s not available at checkout.
But yes, forgot SBB / public transport as a major merchant where I spend some CHF.
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Use it through your Paypal account.
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I found it in my list of transactions, so …
But actually it was via Paypal, that is true.
I don’t have these extra charges, and I would definitely stopped using AMEX in question for these providers if there would be any.
Will try PayPal next time. Do they (PayPal) charge your credit card from within Switzerland?
EDIT: May usual plan is to buy with Galaxus vouchers at 11-18% rebate from Optiopay.
I know, but being Swiss resident and paying in CHF to uber, booking, Airbnb, I have no extra charges.