product_feature

Data license: CC-BY-4.0 · Data source: bankproducts.info

2 rows where product_id = "cembra:cumulus_mastercard"

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id ▼ product_id feature_key feature_value note source_page
cembra:cumulus_mastercard:partner Cumulus-Mastercard World (Migros Co-Brand) cembra:cumulus_mastercard included_services Co-Brand mit Migros Cumulus-Programm 1 Cumulus-Punkt pro CHF Umsatz in Migros, 1 Punkt pro CHF 3 ausserhalb. Bargeldbezug in Migros 0%. Eigenes Kartenbild gegen CHF 30.  
cembra:cumulus_mastercard:pf:kreditkarten_multi_partner_ecosystem_cumulus_ikea_tcs_lipo_certo_fnac_multi_brand_strategy Cumulus-Mastercard World (Migros Co-Brand) cembra:cumulus_mastercard pricing_condition Cembra Multi-Partner-Kartenoekosystem (novel 6+ Co-Brand-Karten): **Cumulus Mastercard** (Migros-Cooperation) + **IKEA Family Credit Card** + **TCS Mastercard** + **LIPO Mastercard** (Moebelgeschaeft) + **Certo Mastercard** + **FNAC Mastercard** (Media-Geschaeft) + eigene **Mastercard Gold/Premium**. Novel: Cembra ist die **einzige Bank im Corpus mit >5 Co-Brand-Karten**. Signal: Cembra hat business-model als **Card-Issuer-fuer-Retail-Partner** (nicht Kunden-orientiert wie klassische Banken). **Novel Multi-Partner-Card-Ecosystem** — Cembra ist Konsumkredit-Spezialist der als White-Label-Card-Issuer fuer Migros/IKEA/TCS/LIPO/Certo/FNAC agiert. Signal: **B2B2C-Modell** (Cembra verdient ueber Karten-Interchange + Konsumkredit, Retail-Partner ueber Loyalty). Analog Cross-Bank: **Migros Bank Batch 21 (nur Cumulus)** ist am aehnlichsten aber weniger diversifiziert. **6+ Co-Brand-Karten** ist unique im Corpus. Vergleich mit **BCV Karten Batch 22 (Cumulus + TCS + IKEA-Kombinationsmoeglichkeiten)** = BCV bietet Partnerschaft, Cembra ist der Issuer. Signal: **Cembra ist Backend fuer Multi-Retail-Loyalty-Programm**. Source: Cembra crawl 2026-Q3 pricing PDFs (6 Co-Brand-Karten-Fees dokumentiert) 1

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CREATE TABLE product_feature (
    id          TEXT PRIMARY KEY,
    product_id  TEXT NOT NULL REFERENCES product(id),
    feature_key TEXT NOT NULL,          -- withdrawal_limit_free, notice_period, daily_limit, monthly_limit,
                                        -- interest_late_payment, max_balance, included_services, ...
    feature_value TEXT,
    note        TEXT,
    source_page INTEGER
);
CREATE INDEX idx_product_feature_product ON product_feature(product_id);
CREATE INDEX idx_product_feature_key ON product_feature(feature_key);