Looks like the cash back expires after 6 month. I’m not sure it’s such a good deal then.
My next question might be the important one:
Does Cembra has terms that don’t allow me to have the CC and not use it for a long time? It might be a good idea to have it and just use for booking flights. Even if you won’t buy anything at Ikea, you won’t lose that much of a deal but still get a free insurance. As long as the insurance costs more than the Ikea bonus you lose it might be a good idea.
Me again.
From time to time I check CC offers, like this one of Cembra/IKEA.
As usual I’m disappointed by Cembra’s “confusopoly”.
Try to find more information about the Insurances they offer with that CC. I’ve found a link on their PDF about costs and of course it doesn’t work.
In the modern world can be considered unprofessional or is just the new way of business, hide and hope?
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IKEA online customer service confirmed to me today in writing the validity period on IKEA gift cards that are given as a reward is now 10 years.
There is a 100CHF credit being offered for applications received by 31.12.2023
I took out the card to use alongside Cashback AMEX.
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I don’t think it is anything to take seriously:
Unser Ferienangebot:
Diesen Sommer bezahlen Sie keine zusätzlichen Gebühren im Ausland. Ab dem 01. Juli 2024 werden Ihnen bis zum 31. August 2024 keine Fremdwährungsgebühren verrechnet – Sie sparen also bei jeder Transaktion 1.5%! Dies gilt auch für Online-Einkäufe in Fremdwährung.
Wechselkurs-Aufschlag 2.124% beträgt der durchschnittliche Aufschlag des EUR/CHF-Kurses gegenüber dem Interbankenkurs gemäss den letzten Stichtagen von moneyland.ch.
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I take them seriously only to book my holidays.
Here is a link at the pdf I was mentioning a while ago:
Here is the part I care (note: only the first one is important, the second one is similar to my health insurance)
I did my calculation for simple holidays. I must re-check again if the additional costs makes sense
(1000 chf holidays costs 15 chf more with this card or what?)
The bonus of 100 CHF is available again with the IKEA Family Credit Card for the new subscribers. @Barto did it work for you?
Beantrage bis zum 13.4.2025 deine gratis IKEA Family Kreditkarte und wir schenken dir CHF 100.- Startguthaben.
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Cembra still doesn’t allow eBill, correct?
It has worked for me, I have done it a couple of years ago.
There is a hack for this point : order something online and choose Click and collect. Then, just don’t go to IKEA. The order will be canceled and a new voucher will be issued automatically, which has a duration of 10 years 
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I got rejected 
Aufgrund gesetzlicher Bestimmungen und interner Richtlinien sind wir leider gezwungen, lhren IKEA Family Credit Card Antrag abzulehnen.
I’ll ask for reconsideration and more detailed reasons if I am still rejected.
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I got asked to send in one of my last three phone invoices.
My employer pays for my mobile subscription and now I don’t know
Try your home internet bill?
I wanted to cash the 100.- with minimum work…
I shold probably write* them to ask what they might accept instead.
*) a letter as this is the only way these days to talk to big companies without waiting in a phone queue
I wrote once to a credit card company (Swisscard) and they never replied. Calling Cembra is free, so probably the best channel to get your answer in a timely manner.
Two days ago I checked my Cembra smartphone app and saw the IKEA Family Credit Card. I was able to add the card to Apple pay. Yesterday I used it in a grocery store.
I therefore have a rejection letter and a working card with no further communication. Very strange.
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Maybe you had it already or requested twice?
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From me they wanted a phone bill of the last couple of months. My phone is paid by my employer so i wrote them a letter. Then they wanted Wohsitzbestätigung and whatnot. I was not ready to pay CHF 20 for the Wohnsitzbestätigung and the period when you would get CHF 100 free was over so I stopped the project there.
1 Like