The
two issuers

A "Miles & More credit card" isn't issued by Lufthansa itself — it's issued by a partner bank that credits miles into the Miles & More programme. In Switzerland, that's Cornèrcard and Swisscard. Both credit the same mileage currency, but differ meaningfully in earn rate, annual fee and perks.

A note before you apply
Option 1

Cornèrcard M&M
in detail

Cornèrcard is a Ticino-based bank issuing Switzerland's highest-earning Miles & More combo card — the best base earn rate and regularly generous welcome bonuses. Named best annual-fee credit card of 2026 by Handelszeitung.

Cornèrcard Gold + Diners Best earn rate

Welcome bonus (currently elevated, through 29 Nov 2026)

40,000 miles

Diners earn rate

1 mile / CHF 1

Annual fee

CHF 220 (CHF 110 year 1)

Why it works

  • Best base rate in Switzerland (1 mile/CHF 1 on Diners)
  • Elevated promo through 29 Nov 2026 — 40,000 miles guaranteed (up to 65,000 with a prize draw), standard is 10,000
  • Only 1.2% foreign-transaction fee
  • Annual-spend milestones at CHF 10k/20k/30k

The limitations

  • Diners Club not accepted everywhere
  • No SWISS brand integration
Current offer at cornercard.ch → Check current promo terms
Option 2

Swisscard M&M
in detail

Swisscard is the official issuer of the SWISS Miles & More credit cards. If you fly SWISS regularly and value the brand integration, this is the natural fit — the earn rate is lower than Cornèrcard's, but it comes with SWISS-specific perks.

SWISS M&M Platinum Duo Best for SWISS flyers

Welcome bonus (currently elevated, through 24 Sep 2026)

40,000 miles

Earn rate

1 mile / CHF 2 (Mastercard)

Annual fee

CHF 700 (CHF 350 year 1)

Why it works

  • Currently 40,000 miles instead of 10,000 — promo runs through 24 Sep 2026
  • First-class check-in desk access at SWISS
  • Priority Pass included (2 visits/year, then USD 35 each)
  • SIXT Platinum membership included

The limitations

  • Lower base earning rate than Cornèrcard
  • 2.5% foreign-transaction fee — costly on overseas spend
At miles-and-more-cards.ch → Check current offer at miles-and-more-cards.ch
Swisscard M&M referral programme

Swisscard runs a member-gets-member referral programme: you get 10,000 bonus miles when you apply via a personal referral from a current cardholder. The referral code cannot be published publicly — ask someone you know who holds the card. Standard welcome bonus applies regardless.

Referral programme details →
Head-to-head

Head-to-head

Feature Cornèrcard Gold Swisscard M&M Platinum
Welcome bonus (standard) 10,000 miles 10,000 miles
Currently elevated to 40,000, up to 65,000 with draw (ends 29 Nov 2026) 40,000 (ends 24 Sep 2026)
Base earn rate 1 mile / CHF 1 (Diners) 1 mile / CHF 2 (Mastercard)
Annual fee CHF 220 (CHF 110 year 1) CHF 700 (CHF 350 year 1)
Foreign-transaction fee 1.2% 2.5%
Lounge access 5 free above CHF 7,500 spend Priority Pass included
SWISS brand integration None First-class check-in, SIXT Platinum
The decision

Which card
for you

Quick decision

Want to bring American Express into the comparison too — as a flexible alternative that transfers not just to Miles & More but also Flying Blue and other programmes? The full three-card comparison covers that in detail.

Which bank issues the Miles & More credit card in Switzerland? +

Two banks: Cornèrcard and Swisscard. Both credit the same Miles & More mileage currency, but differ in earn rate, annual fee and perks.

Cornèrcard or Swisscard — which is better? +

For the highest earn rate from everyday spend: Cornèrcard (1 mile/CHF 1 on Diners). For SWISS-specific perks like first-class check-in and Priority Pass: Swisscard.

Can I hold both cards at once? +

Yes, there's no restriction on holding both cards in parallel — both credit miles into the same Miles & More account.

Not sure which card?

Let's build your card setup.

In 30 minutes we'll go through your spending profile and travel patterns — and work out which card (or combination) makes sense for you.

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