A comparison of credit and prepaid cards

Compare the conditions and benefits of our card options – the key points at a glance.

Don’t miss out: get 50 francs in SmartPoints with a credit or prepaid card

Apply for a credit or prepaid card from PostFinance by 21 June 2026 and receive 50 francs in SmartPoints once your application has been successfully verified.

Conditions of participation
Classic/Standard From CHF 0/year

The flexible card for everyday use – ideal for purchases and spontaneous spending

Prices in banking package
  • CHF 0/year with SmartPlus, SmartYoung and SmartStudents
  • CHF 50/year with Smart
  • Additional card: CHF 20/year
Services
  • Up to 0.6% cashback in the form of SmartPoints By registering for the SmartPoints bonus programme from PostFinance, you earn points when you shop with your PostFinance credit card. You can con-vert the points into money and have them paid out to your account.
  • Mobile payment You can make contactless payments with your PostFinance credit card. For example with PostFinance TWINT, Apple Pay, Google Pay, Samsung Pay, Fitbit Pay, Swatch Pay or Garmin Pay.
  • 24/7 management online With e-finance and the PostFinance App, you have your credit card under control at all times: real-time display of all transactions and card limit, increase available amount, manage notifications, block/unblock card, order replacement card or replacement PIN.
  • Flexible partial payment option
  • Car rental discount with Avis
Insurance
  • Shopping insurance Insurance benefits: theft, damage, warranty extension, best price guarantee, buyer legal protection
Order as new customer Classic/Standard From CHF 0/year, Order as new customer Order as existing customer Classic/Standard From CHF 0/year, Order as existing customer
Gold From CHF 50/year

The card for frequent travellers – with extras for worry-free shopping and travel

Prices in banking package
  • CHF 50/year with SmartPlus, SmartYoung and SmartStudents
  • CHF 100/year with Smart
  • Additional card: CHF 40/year
Services
  • Up to 1% cashback in the form of SmartPoints By registering for the SmartPoints bonus programme from PostFinance, you earn points when you shop with your PostFinance credit card. You can con-vert the points into money and have them paid out to your account.
  • Mobile payment You can make contactless payments with your PostFinance credit card. For example with PostFinance TWINT, Apple Pay, Google Pay, Samsung Pay, Fitbit Pay, Swatch Pay or Garmin Pay.
  • 24/7 management online With e-finance and the PostFinance App, you have your credit card under control at all times: real-time display of all transactions and card limit, increase available amount, manage notifications, block/unblock card, order replacement card or replacement PIN.
  • Flexible partial payment option
  • Car rental discount with Avis
Insurance
  • Shopping insurance Insurance benefits: theft, damage, warranty extension, best price guarantee, buyer legal protection
  • Travel insurance Insurance benefits: cancellation costs, SOS protection package, flight delay (missed connecting flight), luggage (delay, loss, theft), travel legal protection, travel accident insurance
  • Rental car insurance Insurance benefits: excess guarantee
Order as new customer Gold From CHF 50/year, Order as new customer Order as existing customer Gold From CHF 50/year, Order as existing customer
Platinum From CHF 200/year

The Premium card – with exclusive value-added services for travel, shopping and services

Prices in banking package
  • CHF 200/year with SmartPlus, SmartYoung and SmartStudents
  • CHF 250/year with Smart
  • Additional card: first card free of charge, each additional card CHF 90/year
Services
  • Up to 1% cashback in the form of SmartPoints By registering for the SmartPoints bonus programme from PostFinance, you earn points when you shop with your PostFinance credit card. You can con-vert the points into money and have them paid out to your account.
  • Mobile payment You can make contactless payments with your PostFinance credit card. For example with PostFinance TWINT, Apple Pay, Google Pay, Samsung Pay, Fitbit Pay, Swatch Pay or Garmin Pay.
  • 24/7 management online With e-finance and the PostFinance App, you have your credit card under control at all times: real-time display of all transactions and card limit, increase available amount, manage notifications, block/unblock card, order replacement card or replacement PIN.
  • Flexible partial payment option
  • Car rental discount with Avis
  • Exclusively with free cash withdrawals worldwide
  • Exclusively with the concierge service and airport lounge access Our experienced team will do its utmost to fulfil your wishes, such as procuring tickets to events or an exclusive table reservation. You will also receive a Priority Pass with two free airport lounge entries.
Insurance
  • Shopping insurance Insurance benefits: theft, damage, warranty extension, best price guarantee, buyer legal protection
  • Travel insurance exclusively with cure cost supplement Insurance benefits: cancellation costs, SOS protection package, flight delay (missed connecting flight), luggage (delay, loss, theft), travel legal protection, travel accident insurance, cure cost supplement in the event of illness or accident
  • Rental car insurance exclusively with key insurance Insurance benefits: excess guarantee and key insurance
Order as new customer Platinum From CHF 200/year, Order as new customer Order as existing customer Platinum From CHF 200/year, Order as existing customer
Mastercard Value prepaid card From CHF 0/year

The top-up card – for extra security

Prices in the banking package
  • CHF 0/year with SmartPlus, SmartYoung and SmartStudents
  • CHF 50/year with Smart
  • Additional card: not available
Services
  • Up to 0.6% cashback in the form of SmartPoints By registering for the SmartPoints bonus programme from PostFinance, you earn points when you shop with your PostFinance credit card. You can con-vert the points into money and have them paid out to your account.
  • Mobile payment You can make contactless payments with your PostFinance credit card, including with PostFinance TWINT, Apple Pay, Google Pay, Samsung Pay, Fitbit Pay, Swatch Pay or Garmin Pay.
  • 24/7 management online With e-finance and the PostFinance App, you have your credit card under control at all times: real-time display of all transactions and card limit, increase available amount, manage notifications, block/unblock card, order replacement card or replacement PIN.
Insurance
  • Shopping insurance Insurance benefits: theft, damage, warranty extension, best-price guarantee, buyer legal protection
Order as new customer Mastercard Value prepaid card From CHF 0/year , Order as new customer Order as existing customer Mastercard Value prepaid card From CHF 0/year , Order as existing customer

More details about the cards