Best-price guarantee⁴
Found an item cheaper elsewhere after buying it? The price difference will be credited to you.
Cashback with the eny-Card
The eny-Card is eny's credit card. You get 1 % of the purchase value back at three merchants you choose yourself, and 0.25 % on all other purchases. No annual fees apply. The issuer is Cembra Money Bank AG, Zürich.
- No annual fees
- 1 % cashback at your three favourite merchants
- 0.25 % cashback at all other merchants²
- Usable worldwide, contactless payment
Apply for the eny-Card The application runs via eny.ch
Your terms
| Cashback at three favourite merchants | 1 % of the purchase value |
|---|---|
| Cashback on all other purchases² | 0.25 % |
| Annual fees | none |
| Annual interest rate for instalment payment³ | 13 % |
| Issuer | Cembra Money Bank AG, Zürich¹ |
How does the eny-Card work?
- 01
Enter your details
You start the application on eny.ch and enter your details.
- 02
Complete the form
You complete the application with the issuer, Certo.
- 03
Use the card
After the assessment you receive your card and the cashback begins.
A secure card
Purchase insurance⁴
30 days of protection from the date of purchase against theft, destruction or damage to newly purchased items.
Mastercard® Identity Check™
Additional verification for online payments in line with the Mastercard security standard.
1 % at your three favourite merchants
You decide yourself at which three merchants you get 1 % back — groceries, petrol station, hardware store, whatever comes up often for you. On all other purchases you get 0.25 % back. The selection is not final: you can adjust it if your habits change.
How the cashback is paid out
The cashback is credited to your card account. There is no points system, no catalogues and no minimum amounts from which you can redeem something.
What the eny-Card is not
In summary
- No annual fees
- 1 % cashback at three favourite merchants
- 0.25 % cashback on all others²
- Usable worldwide, contactless payment
- Mastercard® Identity Check™
- Instalment payment possible³
Frequently asked questions
What does the eny-Card cost?
No annual fees apply.
How does the cashback work?
You choose three favourite merchants. There, you get 1 % of the purchase value back; on all other purchases, 0.25 %. Excluded are, among other things, cash withdrawals, cash-like transactions, fees, interest, gambling and payments with TWINT.
Who issues the card?
The eny-Card is called Certo! One Mastercard eny Finance MyDesign. The issuer is Cembra Money Bank AG, Zürich.
Can I change my three merchants later?
Yes. You can adjust your selection if your habits change.
How is the cashback paid out?
It is credited to your card account. There is no points system and no minimum amounts.
Can I pay in instalments?
Yes. For instalment payment the annual interest rate is 13 %. A minimum monthly instalment of 2.5 % of the invoice amount, but at least CHF 50.–, must be paid.
What happens in the event of loss or misuse?
Report the case directly to the issuer. The card will then be blocked immediately.
Does the card have anything to do with a loan?
No. The eny-Card is a standalone product and independent of a loan with eny. A card application is not a loan application.
- 1 The eny-Card is called Certo! One Mastercard eny Finance MyDesign. The issuer is Cembra Money Bank AG, Zürich.
- 2 Excluded from cashback are, among other things, insurance premiums linked to the card, cash withdrawals and cash-like transactions, fees, interest, gambling and payments made with TWINT.
- 3 Instalment payment: annual interest rate 13 %, see calculation example above.
- 4 Details on the insurance cover included are available during the application process with the issuer.
Publisher: eny Finance AG, Zürich · Last updated: 06.08.2026
eny Finance AG, eny-Card — eny.ch/eny-card, abgerufen 01.08.2026