Best Instant-Use Credit Cards in Switzerland

If you’ve ever felt the frustration of waiting weeks for a new credit card to arrive, you’re not alone. In Switzerland, where efficiency is practically a national value, banks and issuers are now stepping up with instant approval and virtual credit cards that can be used right away.

Best Instant-Use Credit Cards in Switzerland

Why ‘Instant’ Matters in Swiss Card Culture

Waiting weeks for a credit card in Switzerland? Ain’t nobody got time—or need—for that. Today’s savvy Swiss expect cards that are virtually instant: whether virtual cards issued in seconds or physical cards available within 24 hours. Think last-minute trips, emergency online orders, or seamless integration with Twint or Apple Pay. Here’s your regional guide to what’s possible.

Instant Cards That Get You Spending Fast

1. UBS Virtual Credit Card

  • Highlights: Apply within seconds via UBS e-banking or mobile app; the card appears immediately—no plastic required.
  • Why it’s ideal: Perfect for emergencies or impromptu online shopping. Works seamlessly with UBS’s KeyClub rewards and can be added to your phone for instant use.(United States of America)

2. MultiCredit (Fribourg)

  • Highlights: Apply in just 2 minutes online, and your card is ready for pickup in under 24 hours. No waiting, no fuss.
  • Why it’s ideal: Great for those who need fast access to credit—whether for trips or urgent bills. Plus, the team offers free financial advice.(MultiCredit)

3. Swisscard Cashback & Poinz Cards

  • Highlights: No annual fee, and the best cashback models in Switzerland—up to 1% via American Express and 0.25% on Visa/Mastercard. Includes an immediate signup bonus (like CHF 50). Card pairs often include AmEx and Visa/Mastercard.(Become Wealthy)
  • Why it’s ideal: Stylish, rewarding cards that start bringing value fast—especially suited for everyday shoppers.

What Instant Approval Looks Like Here

  • Virtual cards (e.g., UBS): Use immediately with your phone or browser—no plastic required.
  • Quick-issue physical cards (e.g., MultiCredit): Approved online and available to collect within a day.
  • Instant rewards cards (e.g., Cashback/Poinz): Signup gives you immediate rewards; paper cards follow shortly.

Where to Apply Fast in Switzerland

Issuer Key Benefit
UBS Virtual cards activated in seconds via e-banking—no hanging around.
MultiCredit Lightning-fast setup—apply in 2 minutes; pick up your card same day.
Swisscard (Cashback/Poinz) Rewarding signup with instant cashback, plus stylish, no-fee cards.

Final Thoughts

Instant-use credit cards are no longer niche in Switzerland—they’re practical essentials. Whether you're traveling last-minute, shopping online, or want a backup in your phone wallet, these cards have you covered—fast. From UBS’s virtual convenience to MultiCredit’s same-day access and Swisscard’s rewarding perks, you can reap benefits immediately without waiting.

Cheers to fast, smart, and rewarding spending—Swiss style.

Sources

Finance
Joe Davis
Sam Walker