A comparison of credit and prepaid cards

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

• CHF 0 / year with SmartPlus, SmartYoung and SmartStudents
• CHF 50 / year with Smart
• Additional card: CHF 20 / year

• Up to 0.6% cashback
• Mobile payment More information You can make contactless payments with your PostFinance credit card. For example with PostFinance TWINT, Apple Pay, Google Pay, Samsung Pay, Fitbit Pay, SwatchPay! or Garmin Pay.
• 24/7 management online More information 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

• Shopping insurance More information Insurance benefits: theft, damage, warranty extension, best price guarantee, buyer legal protection

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

• CHF 50 / year with SmartPlus, SmartYoung and SmartStudents
• CHF 100 / year with Smart
• Additional card: CHF 40 / year

• Up to 1% cashback
• Mobile payment More information You can make contactless payments with your PostFinance credit card. For example with PostFinance TWINT, Apple Pay, Google Pay, Samsung Pay, Fitbit Pay, SwatchPay! or Garmin Pay.
• 24/7 management online More information 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

• Shopping insurance More information Insurance benefits: theft, damage, warranty extension, best price guarantee, buyer legal protection
• Travel insurance More information 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 More information Insurance benefits: excess guarantee

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

• 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

• Up to 1% cashback
• Mobile payment More information You can make contactless payments with your PostFinance credit card. For example with PostFinance TWINT, Apple Pay, Google Pay, Samsung Pay, Fitbit Pay, SwatchPay! or Garmin Pay.
• 24/7 management online More information 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 More information 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.

• Shopping insurance More information Insurance benefits: theft, damage, warranty extension, best price guarantee, buyer legal protection
• Travel insurance exclusively with cure cost supplement More information 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 More information Insurance benefits: excess guarantee and key insurance

The top-up card – for extra security

• CHF 0 / year with SmartPlus, SmartYoung and SmartStudents
• CHF 50 / year with Smart
• Additional card: not available

• Up to 0.6% cashback
• Mobile payment More information You can make contactless payments with your PostFinance credit card, including with PostFinance TWINT, Apple Pay, Google Pay, Samsung Pay, Fitbit Pay, SwatchPAY! or Garmin Pay.
• 24/7 management online More information 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.

• Shopping insurance More information Insurance benefits: theft, damage, warranty extension, best-price guarantee, buyer legal protection