PostFinance credit cards

Get money back on all purchases worldwide

Shopping pays off with credit cards for Switzerland, abroad and everyday life: you can make cashless payments easily and securely with PostFinance credit cards and PostFinance prepaid cards. And thanks to cashback, you get money back every time you use your card.

PostFinance credit cards: every purchase counts

  • Unlimited cashback of up to 1%

  • Pay with Apple Pay, Google Pay, Samsung Pay and other providers

  • Reservation guarantee for bookings

  • Discounted car rental with Avis

  • Flexible partial payment option

  • Exclusive with the Platinum card: free cash withdrawals worldwide, Concierge Service, airport VIP access and travel insurance

PostFinance credit cards. Supports all mobile payment providers.
  • With unlimited cashback for the PostFinance credit cards, you can benefit from a turnover reimbursement of up to 1.0%. The payment is made directly into your private account in June and December.

    Cashback on the sales turnover achieved :

    In the first year
    From the second year
  • Manage cards 24/7 in e-finance and via the PostFinance App

    Thanks to secure e-finance, you have your credit card under control at all times:

    • Real-time display of all your transactions, your card limit and your available amount
    • Load credit onto your card at any time to increase your available amount
    • Receive free notifications about completed transactions (push or text notifications)
    • Easily block or unblock your card and order a replacement card
    • Select your preferred payment method for the monthly credit card invoice

    Mobile payment solutions

    Make safe, fast mobile payments. Store the PostFinance credit card with Apple Pay, Samsung Pay, Google Pay, SwatchPAY!, PostFinance TWINT, Garmin Pay and Fitbit Pay.

    Reservation guarantee

    Debit cards are often not accepted when booking accommodation, rental cars or flights. But a credit card guarantees the reservation.

    AVIS – discounted car rental

    Book your hire car via the link below and pay with your PostFinance credit card. You will be granted the discount automatically.

    Rental vehicles can also be booked by calling +41 848 811 818. Quote the AWD number (Avis Worldwide Discount number) during the call. You can find it on the reverse of your PostFinance credit card.

    Card security

    Make secure payments worldwide with PostFinance credit cards thanks to the latest chip technology and 3-D Secure.

  • VIP and Concierge Service

    Reserve a table, celebrate in a popular club, get tickets for a sports or cultural event, request Platinum insurance services – our Concierge Service is there for you around the clock on +41 848 888 440. Call us and we will do everything we can to fulfill your wishes. You will be given preferential treatment by the experienced PostFinance team.

    Priority Pass with two free airport lounge entries per year

    Your PostFinance Visa Platinum Card and Priority Pass grants you access to countless airport lounges around the world. During longer flight layovers, a lounge is the perfect place for relaxation and refreshments.

    Your gift:

    • Priority Pass worth 99 euros
    • Two lounge entries worth 60 francs per year

    Travel insurance

    Are you unable to travel due to illness, an accident or an unexpected job opening? Cancellation costs insurance from Allianz Global Assistance will bear the costs of services not used. The trip does not have to be paid for with the PostFinance Visa Platinum Card. The deductible exclusion insurance for rented cars (CDW) means that you will not pay any deductible fees in case of damage or theft. The rented car must be paid for with the PostFinance Visa Platinum Card.

    InsuranceInsurance coverageInsured total (maximum)
    Cancellation fees
    Insurance coverage
    Trip cancellation and delayed start of trip, CHF 15,000 per event
    Insured total (maximum)
    Per event CHF 15,000
    Deductible exclusion for hire cars (CDW)
    Insurance coverage
    Excess for damage to a hire car during the hire period
    Insured total (maximum)
    Per event CHF 5,000
  • Preconditions

    • Domicile in Switzerland or Liechtenstein
    • At least 18 years old
    • Private account in CHF from PostFinance

    Card prices

    With the SmartPlus, SmartStudents and SmartYoung banking packages, you receive an annual discount of CHF 50 on your credit card.

    Annual pricesClassic/StandardGoldPlatinum
    Annual prices
    Main card
    CHF 50
    CHF 100
    CHF 250
    Annual prices
    Partner card/second card
    CHF 20
    CHF 40
    • First card free
    • Each additional card CHF 90

    Replacement cards

    Via hotline/customer advisor
    CHF 30 per card
    Via e-finance
    CHF 25 per card

    Payments and cash withdrawals

    Monthly spending limitIndividual
    Monthly spending limit
    Transactions abroad incl. online shops of foreign retailers (CHF/foreign currencies)
    • 1.7% processing surcharge
    • The exchange rate (selling rate) used is set once a day and is valid for processing on the next working day.
    Monthly spending limit
    Cash withdrawal at ATMs in Switzerland and abroad
    • 3.5% commission (minimum CHF 10)
    • Free with Platinum
    • Maximum cash withdrawal limit of CHF 1,000/day
    Monthly spending limit
    Lottery, betting and casino transactions
    • 3.5% commission (maximum CHF 100)
    • Exceptions are Swisslos and Lotterie Romande.
    Monthly spending limit
    Monthly cash withdrawal limit
    • Maximum 40% of your spending limit
    • Platinum: Maximum 100% of your spending limit

    Payment methods

    Monthly invoice payment deadline
    • 20 days
    • then billing of default interest
    Partial payment
    • possible at all times, except where there is a risk of excessive debt
    • 9.5% effective annual interest
    • PostFinance Card with Debit Mastercard:

      • Direct debit from your account
      • Mobile payment: Apple Pay

      PostFinance credit card:

      • Bonus programme (cashback on sales turnover)
      • Rental car benefits with AVIS
      • Financial flexibility (monthly invoice, partial payment option)
      • Reservation guarantee: often, debit cards are not accepted for booking accommodation, rental cars or flights. But a credit card guarantees the reservation.
      • Mobile payments with: Apple Pay, Samsung Pay, Google Pay, Garmin Pay, Fitbit Pay or SwatchPAY!
      • Value-added services depending on credit card: travel insurance, VIP and concierge service, Priority Pass with airport lounge access
    • In terms of the service from PostFinance credit cards, there is no difference between a Visa and a Mastercard credit card. However, some retailers might accept only one of the two card issuers; this is indicated at the checkout or when you pay in their online shop.


The practical card for occasional users

Get unlimited cashback of 0.6% in the first year.


The card for frequent shoppers

Benefit from even more cashback: 1% in the first year.


The exclusive VIP card

Enjoy all the benefits, like unlimited cashback of 1% in the first year, Concierge Service, travel insurance, entry to airport lounges and free cash withdrawals worldwide.

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