Terms and Conditions for Participation in Mastercard Competition

Click to Pay Campaign 2026

• Participation in the competition as part of the Mastercard campaign is subject to the following terms and conditions.
• The competition is held by K+R GmbH, Hauptstrasse 81-85, 65760 Eschborn, Germany on behalf of Mastercard Europe SA, Chaussée de Tervuren 198A, 1410 Waterloo, Belgium (Mastercard), in the period from 1 October 2026 until 31 December 2026 (promotional period).
• Only holders of a Mastercard issued by one of the following card issuers participating in this campaign are eligible to take part: Cembra Money Bank AG, Glarner Kantonalbank or Swisscard AECS GmbH (each a ‘participating card issuer’). During the promotional period, participants enter the prize draw by registering their Mastercard for Click to Pay in their participating card issuer’s banking app, followed by registration on the campaign landing page (mc-promotion.ch/en) and answering the competition question. There is no obligation to make a purchase. Free entry with an equal chance of winning is available on the campaign landing page.
• In both cases mentioned in item 3, the participants must accept these Terms and Conditions for Participation in the competition to participate and thus have the chance to win the trip (see item 5).
• As part of this prize draw, a total of two prize packages will be raffled off among all valid entries submitted via mc-promotion.ch. Two winners will be selected. Prizes awarded as part of separate campaigns run by other card issuers do not form part of this prize draw and will not be drawn from the pool of entrants to this prize draw. A prize package for one person and their companion includes a 3-day trip for two adults (aged 18 or over) comprising the following services:
  
  - Return flight between Zurich and Madrid (Economy Class)
  - Travel between your home and Zurich Airport with SBB in 1st class
  - All local transfers in Madrid
  - 2 nights’ accommodation in a 4-star hotel (double room, breakfast)
  - Two tickets for the 2027 UEFA Champions League Final (Category 1)
  - 1 exclusive dining experience for two people
  
  The trip will take place from 4 to 6 June 2027 and must be undertaken within this period.
  
  Services and costs not expressly listed as part of the prize package – in particular personal expenses, additional meals and drinks, travel insurance, costs for travel documents and any additional services provided by the hotel or the airline – shall be borne by the winner and their companion.
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  The organiser is entitled to replace individual components of the prize package with equivalent services for objective reasons, provided that this does not significantly impair the overall nature and value of the prize package.
• The winner is responsible for ensuring that he/she and his/her companion have the necessary requirements for the trip (vaccinations may be required), in particular valid travel documents and meet the requirements for entry into Spain.
  
  Additional information is available at the Federal Department of Foreign Affairs (FDFA).
  
  Any taxes, fees or duties incurred as a result of winning must be paid by the respective winner. The winner must pay for any services beyond the scope of the prize.
• The participation deadline is 31 December 2026 at 23:59:59 CET. Participants may only enter once, multiple registrations for the competition will be ignored.
• Participation requires the entry of the following information at mc-promotion.ch/en:
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  - First name, surname
  - Email address
  - Correct answer to the competition question
  - Details of the participating card issuer
  - Registration of their Mastercard for Click to Pay in the banking app of their participating card issuer, followed by registration on the campaign landing page within the promotional period (subject to the option of free participation)
• Information about how personal data is processed in connection with this competition can be found in the Privacy Policy for the Mastercard Click to Pay 2026 campaign. You can find more information about Mastercard’s data protection practices in our global global Data Protection Guidelines.
• All Mastercard cardholders aged 18 years and above resident in Switzerland may take part in the competition. By registering on the campaign landing page, the participant confirms that they have registered their Mastercard for Click to Pay in the banking app of their participating card issuer during the promotional period (subject to the option of free participation). Should a participant win a prize, we reserve the right to verify with the participating card issuer that they successfully registered their Mastercard for Click to Pay within the promotional period.
  Mastercard employees and their relatives as well as persons, companies and service providers working for Mastercard, including their employees and relatives, are not permitted to take part in the prize draw. Competition agents and competition clubs are banned from taking part in the competition. The use of robots or similar tools for data mining or the automatic submission and transfer of data is not permitted.
• The winner will be selected at random from the participant database on 18 January 2027. The winner will be drawn at random and notified of their win by email by the Mastercard promotion office (c/o K+R GmbH). They will be contacted up to three times within seven days of the draw. If it is not possible to contact the winner during this period, or if the winner does not contact the Mastercard promotion office or their participating card issuer, the entitlement to the prize shall expire and a new winner will be drawn at random.
• The prize cannot be exchanged for cash or transferred. We will not enter into correspondence regarding the prize draw. The winner is not permitted to sell on or auction the prize or parts thereof. Mastercard or K+R GmbH respectively reserve the right to withhold the prize or parts thereof in case of non-compliance.
• To the extent that this is legally permissible, the participating card issuers, Mastercard and K+R GmbH assume no liability or responsibility in the context of this competition, its organisation and redemption of the prize. Mastercard or K+R GmbH respectively reserve the right to amend these Terms and Conditions for Participation at any time with effect for all new participants in the competition. At their own discretion and without consequences regarding liability, Mastercard or K+R GmbH respectively may terminate the competition prematurely, interrupt it or exclude individual participants from taking part in the competition should they identify a risk to the fair and/or correct execution of the competition.
• Mastercard and K+R GmbH do not accept liability for technical website downtime, including network server or hardware errors, viruses, bugs, programming errors or other errors relating to transmission that lie outside their control.
• If individual provisions of these Terms and Conditions for Participation become invalid, this shall not affect the validity of the remaining provisions.
• Swiss law shall apply exclusively. Legal recourse is excluded.