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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