Bannière article blog
20.03.2024

The Certo! One Mastercard® by Milenia ! A free credit card with a bunch of perks!

In the jungle of credit cards, you might as well aim for simplicity and clarity; values dear to Milenia. That's good, get yours by making your request to your personal advisor. It's free!

 

We've talked about this before

Among our privileged partners, Cembra represents everything that constitutes a benevolent and qualitative collaboration.

As a flagship of financial services in Switzerland, this partner has been able to develop its activities over time by demonstrating a spirit of innovation in consumer credit, leasing, invoice purchases and credit card management.

Headquartered in Zürich with a history of more than a hundred years, we are proud to collaborate with Cembra in a spirit dedicated to a service offering aimed at meeting the precise needs of our customers.

For all these reasons, we decided to collaborate with Cembra and create the Certo credit card! One Mastercard® by Milenia.

 

Let's Talk Credit Card

Thanks to its own network of retail partners, Cembra customers benefit from special conditions with brands such as Coop or Migros.

As is often the case, you have the option to choose from different credit card options. In this case, depending on your financial means, you can opt for a Premium or Gold card.

Let's get to the heart of the matter

Your Certo! One Mastercard® by Milenia can be used worldwide.

Millions of businesses are linked so there's no risk of not being able to make your purchase no matter where you are, no matter the product.

Like any self-respecting credit card, you can pay in a physical store or online. This is normal.

Need to withdraw cash from an ATM? That's possible too.

In Switzerland and abroad? Of course.

Interest rate ?

You have the option of reimbursing all of your expenses indicated on the invoice or staggering the repayment over time, in which case the interest rate will be 11.95%.

Tech

Your payment card is contactless. You can pay amounts up to CHF 80 by holding your credit card close to the terminal to pay for the purchase, without entering your PIN.

The e-service is also appreciable. Access your history and personal data in just a few clicks.

Need emergency help? A hotline is available 24/7.

 

Okay, but it's not revolutionary...

That's why Cembra is launching Certo!

Do you have a Cumulus Mastercard? Make a free exchange to get the Certo! It's easy and free of charge.

What are the benefits ?

Do you shop at the Coop or Migros? Do you use SBB? Bingo! Using your Certo! You get discounts of up to 1% of your purchases.

Every three months, your accumulated savings are returned to you.

Other benefits through special actions and discounts applied in the context of short-term or long-term partnerships remain in force.

In addition, you can also access the "Cheapest Price Guaranteed" service. We'll tell you more about it later.

 

Terms & Conditions

Quality and responsibility are the other two values that are important to us. So we've taken care to go through the terms and conditions for you.

Admit it, you rarely do it, don't you ?

No problem! Here are our findings :

Is it still possible to spread my refunds upon receipt of an invoice ?

Yes.

What about transaction and withdrawal fees, especially abroad ?

Fees are applied either as a minimum flat rate (e.g. CHF 5 for a withdrawal abroad) or as a percentage per transaction. The rates applied are in line with the market prices.

And the lowest price guarantee ?

The short answer is yes, it's a service offered.

Be careful, however, it is important to take out an insurance policy covering this type of service and the associated conditions, which are not necessarily that simple.

Some products are excluded from the warranty. Power supply, for example, or vehicles.

A minimum price differential is applied, deadlines are imposed and it is necessary to fill out a file for each case encountered if applicable.

What about the percentage of discounts leading to savings ?

For once, nothing to complain about! You save between 0.33% and 1% on your purchases at the largest retailers in Switzerland. It's appreciable.

 

Milenia

At Milenia, we work every day to make your projects a reality. We are committed  to meeting your expectations and the challenges encountered on your life path.

Whether it's for a personal loan, real estate financing, job loss insurance, an advantageous credit card, cleaning your data or a business loan... We're here with you.

Finding the best offer, the formula best suited to your reality, the solution that truly suits your means... That's what drives us.

Whatever your personal situation, whether you want to finance a personal project or rather want to improve your cash flow, do not hesitate to visit our website.

You will be able to carry out simulations, learn about our various solutions or simply learn about the many articles on our blog.

Thousands of customers trust us every year. As part of the merger with credaris, Milenia is now the leading financing platform in Switzerland.

It is thanks to you and it is therefore quite naturally for you that we redouble our efforts to satisfy you.

Apply for your Certo card! One Mastercard® by Milenia

Speaking of advantageous credit cards and our desire to satisfy you, thanks to our partnership with Cembra, we can send you your Certo card!

All you have to do is contact your personal advisor.

Your credit card, made of recycled plastic, in Milenia's colors, will be offered to you !

No application fees, no annual membership fees to pay and the maintenance of all the benefits !

And if you'd like an extra card, it's free too !

When we told you that we were by your side…

 

 



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When you want to finance a project, there are various solutions available to you. Credit is a relatively simple financing tool, quick to execute and with a light administrative burden.

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Before you compare, ask yourself two questions.

Is credit the right solution for my project?

Am I eligible?

The first question has the merit of judging the relevance and usefulness of your approach. As a responsible service provider, we put your interests at the heart of our attention. Over-indebtedness must be avoided at all costs and your loan must bring real added value and not represent a debt that is difficult to overcome.

Can your project be scaled back? Does your cash flow simply allow you to avoid taking out a loan? Is it the right time?

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The second question is also important.

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Am I domiciled in Switzerland? If not, you will not be eligible.

Am I of legal age? If not, you will not be eligible.

Am I involved in an action filed in the debt collection? If this is the case, you will not be eligible.

 

One egg, one basket.

If you want to continue with a credit application, don't rush!

Above all, do not file multiple applications with different providers or banks.

Each request is logged and will block your access to a favorable response.

Compare, choose your financial partner wisely and, if the conditions are met, draw up your file with them.

To make a fair choice, take advantage of the service offered by a financing platform. It's online and it's easy.

 

Compare what, exactly?

The quality, the network, the accessibility and, of course, the conditions.

By quality, we mean the clarity of the information provided and the transparency of the platform. 

Are there testimonials from satisfied customers? Is there an independent quality body involved, such as Proven Expert? Is the team running the company clearly displayed? Is the company based in Switzerland?

As far as  the network is concerned, the quality and scope of the network will determine the quality of the offers offered to you. Check the partners page or search for published articles or the platform's blog if it exists. 

It is preferable to do business with a major player in the market that has serious, even exclusive, partnerships with recognized banks.

Accessibility. An online solution is often less time-consuming and just as relevant as if you went to an agency. However, it will be necessary to speak with an expert, go through your file in person and have live advice. 

Be sure that you will be able to access this service.

Lately, the conditions. The rates displayed on the various platforms are often similar. There are criteria to be met, however, and these often make the difference.

First of all, the process until you sign the loan agreement must be completely free of charge! Whether you visit a credit comparison platform or a financing platform, run away if you are asked for a single franc for so-called administrative or processing costs.

Secondly, do not sign anything when you are in a comparative or information-seeking process. Your file must first be well completed and analysed and it is only when you make a credit proposal following the acceptance of your application that you will have the opportunity to sign or not.

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Do you have any questions?

We invite you to inquire via Milenia. You will have the opportunity to simulate your credit, learn about our solutions, get to know our team, ask your questions, browse through our customer testimonials and discover our articles on our blog.

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Loan illustration: loan of CHF 10'000. Effective annual interests rates between 4.9% and 10.95% over a 12 month period lead to total interests of between CHF 261.80 and CHF 615.20. Duration: 6-120 months; Maximum annual interest rate (including all loan handling costs) 10.95%. Loans approval are prohibited if they lead to excess debt for the consumer. (Art. 3 LCD)

 

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