30.07.2026
On holiday, in daily life or when managing joint expenses, many people want to organize their finances as flexibly and clearly as possible. A second credit card can serve as a spare or help you separate expenses clearly. Partner cards make it easier to manage shared costs. But which solution is best suited to which situation?
Greater flexibility when paying: discover PostFinance credit cards and find the solution that meets your needs.
Do you need extra peace of mind? If so, it can be a good idea to take out a second card, usually at a discounted rate. Make sure your second card is a different brand to your first one. For example, if you have a PostFinance Mastercard®, we recommend PostFinance Visa for your second card. That way, you have two different options and greater peace of mind that you can make payments or withdraw money anywhere – using one card or the other.
You suddenly realize that your credit card has been lost or stolen, the magnetic strip no longer works or the card is broken. In all of these situations, it’s worth having a second card. It means you have a “replacement card” which you can use immediately.
To keep track of your spending, it can be a good idea to use two credit cards for different purposes: for example, you could use one for everyday purchases and the other exclusively for travelling. Transactions are assigned to each individual card in your credit card statement. And you can view your transactions according to each card in e-finance too.
For many adults, joint expenses are part of daily life – for example, when it comes to rent, shopping or travel. A partner card can be a simple and transparent solution. With a partner card, your partner can usually get a credit card on your account at a discounted rate or even free of charge – without a separate credit card contract. Since the statement shows the expenses of both the main card and the partner card, transactions can be allocated to the relevant card so you can keep track of things at all times.
The following overview shows the most important differences at a glance:
| Second card | Partner card |
|---|---|
| Second card For the same person |
Partner card For a partner |
| Second card Ideal as a replacement or travel card |
Partner card Ideal for joint household expenses |
| Second card Good overview of each card |
Partner card Transparent allocation of expenses |
| Second card Greater security if you lose your card |
Partner card No separate contract required |
Different card variants are available depending on your requirements. Standard, Gold or Platinum cards differ in terms of insurance and services. However, the credit card limit is set individually, regardless of the card variant. It’s based on your personal creditworthiness.
There are also prepaid credit cards, which work with a credit balance and are particularly good for consciously controlling your expenditure.
If you choose a Gold card as your main card, for example, you can select the same option for your second card or go one level lower, in this case the Classic/Standard card. A Platinum card as a second card would not be possible in this case.
Additional credit cards are usually easy to apply for via online banking. Second or partner cards can often be added immediately or later on. After successful verification, the card will be delivered by post.
Second and partner cards not only offer greater flexibility in daily life and when travelling, but are also often available at attractive conditions. With the PostFinance Visa and PostFinance Mastercard credit cards, second and partner cards are available at a discount. With the PostFinance Visa Platinum Card, the first additional card is even free of charge.
You can also enjoy benefits with a second or partner card. These include the PostFinance SmartPoints bonus programme, for example, which allows you to collect points every time you make a payment. You can convert the points into money to be paid out to your account.
