Looking for a credit card that fits your income and lifestyle? The Certo! Mastercard World credit card offers a solid option for managing finances and simplifying transactions.
It’s designed for those who want an efficient and flexible payment method. Available in France, this credit card stands out with its competitive rates and valuable benefits.
It offers an array of features that cater to different needs and preferences, making it a top choice for many users in France. If you're considering applying for the Certo! Mastercard World, here's a quick breakdown of what to expect and how to apply.
Certo! Mastercard World – Key Details and Application Info
The Certo! One Mastercard World provides transparent, straightforward credit for users who meet the eligibility criteria.
Once approved, the credit activates after the initial payment, which must be completed by June 30, 2025. This offer applies to eligible individuals in Switzerland, but the card can be used globally.
Excluded Transactions
Certain transactions are not eligible for Certo! Mastercard World benefits. These exclusions include:
- Insurance premiums related to the card
- Cash withdrawals and cash-equivalent transactions (securities, foreign exchange, cryptocurrencies)
- Fees, interest, and gambling-related services
- Payments through TWINT
Installment Payment Terms
For those opting to pay in installments, the annual interest rate is 13.95%. A minimum payment of 3% of the invoice amount, or CHF 50, is required each month.
For example, if you make a CHF 1,350 purchase and choose to pay over 20 months, your monthly installments would be CHF 76.05. The total interest would amount to CHF 170.80, bringing the total repayment to CHF 1,520.80.
Note that credit is only granted when it ensures the consumer is not over-indebted.
Certo! One Mastercard World – Overview
The Certo! One Mastercard World is a no-fee credit card available globally, offering users cash-back benefits and flexible payment options.
Key Cashback Features:
- 1% Cashback: Select up to three retailers where 1% cashback applies. You can adjust your choices each month via the app.
- 0.33% Cashback: Earn 0.33% cashback on purchases at all other retail and online stores.
Current Retailers
Cashback is available at stores like Migros, Coop, SBB, Zalando, SWISS, Manor, Lidl, Decathlon, Aldi, H&M, Netflix, Spotify, Airbnb, Booking.com, Microspot, Digitec Galaxus, Ochsner Sport & Shoes, Interdiscount, Denner, and Landi.
Cashback is credited every three months, giving users the flexibility to earn rewards on their purchases.
Fee Structure:
- Annual and Monthly Fees: No fees. The Certo! One Mastercard World is available at zero cost.
- Additional Card: A free additional card is available for shared use.
Additional Fees to Note:
- Interest Rate: 11.95% if a balance is carried. It’s best to pay off the full balance to avoid interest.
- Late Payment: A CHF 30 fee applies if the payment is made late.
- Replacement Card: CHF 20 if a replacement card is needed.
- Cash Withdrawal: 3.75% fee for withdrawals in Switzerland or abroad.
- Foreign Transactions: 1.5% fee for foreign currency payments.
While some fees apply in specific cases, these can be avoided with proper management.
The Certo! One Mastercard World offers a simple, flexible, and cost-effective way to earn cashback while enjoying a global reach.
How to Apply for the Certo! One Mastercard World Credit Card
The application process for the Certo! One Mastercard World is simple and fully online.
Steps to Apply:
- Prepare Required Documents: Gather essential documents, such as government-issued ID.
- Apply Online: Visit the official Certo! Website and fill out the online application form. Make sure all information is accurate.
- Upload Documents: Upload the required documents to complete your application.
- Review and Submit: Carefully read the terms and conditions before submitting your application.
Receiving Your New Credit Card
Once approved, your new card will be sent to the address you provided during the application process.
Follow the instructions in the accompanying manual. To activate the card, download the mobile banking app and link your card. After activation, your card is ready to use.
This streamlined process ensures a convenient application experience for users in France and beyond.
Insurance and Benefits of Certo! One Mastercard World
The Certo! One Mastercard World provides key insurance benefits, giving cardholders extra security at no additional cost:
- Best Price Guarantee: Get coverage for price differences, up to CHF 3,000 annually and CHF 2,000 per event.
- Purchase Insurance: Protect purchases up to CHF 2,000 annually and CHF 2,000 per event.
- Rescue Assistance Insurance: Includes transfer to the nearest hospital, repatriation, and search and rescue services.
While some may not use these insurance benefits often, they provide valuable coverage for Certo! One Mastercard World holder.
Key Perks and Features:
- Simple: Easy access to various perks that suit different spending habits.
- Flexible: Pay in full or opt for installment plans, allowing better financial management.
- Secure: Enhanced security with Mastercard® Identity Check™ for safe global transactions.
- Money Back: Earn 1% cashback on purchases from selected retailers and 0.33% on all other purchases.
- Global Acceptance: This is accepted at 80 million locations worldwide, making it an ideal travel card.
- Best Price Guarantee: If you find a lower price after a purchase, Certo! One Mastercard World will credit the difference.
- No Annual Fee: Enjoy a free card for life with no annual fees.
- Mobile & Contactless Payments: Pay quickly with Apple Pay, Samsung Pay, or at terminals.
- Purchase Protection: Coverage for 30 days against theft, damage, or destruction of newly purchased items.
- Cembra App: Easily manage transactions, track savings, and select preferred retailers through the Cembra app.
Interest Rate and Other Charges
The Certo! One Mastercard World has an interest rate of 11.95% on purchases and transactions. This is the standard rate, though it may vary based on your creditworthiness.
- Foreign Currency Charge: A 1.5% fee applies to payments made in foreign currencies.
- Cash Withdrawals: A 3.75% fee, or a minimum of CHF 10, is charged for cash withdrawals in Switzerland.
Be mindful of these charges to manage your credit card use effectively and avoid unnecessary fees.
Contact Details for Certo! One Mastercard World
To reach the issuer of Certo! One Mastercard World, you can use the following contact information:
- Phone Number: +41 44 439 40 20
- Address: Cembra Money Bank, Bändliweg 20, 8048 Zurich, Switzerland
Feel free to contact them with any inquiries or for assistance regarding your card.
Conclusion
Applying for the Certo! One Mastercard World is easy, with plenty of benefits such as cashback, no annual fees, and added insurance protections. These features make it a strong choice for those looking to improve their credit card experience.
Ready to take the next step? Apply today and unlock these advantages.
Disclaimer
This article is for informational purposes only and does not constitute financial advice. Always review the terms and conditions of the Certo! One Mastercard World with the official issuer before making any decisions.
