PostFinance credit cards

Get money back on all purchases worldwide
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However you like – in Switzerland, abroad, and on a day-to-day basis: the PostFinance Mastercard® and Visa credit cards let you make cash-free payments anywhere with ease. Get money back with every purchase and benefit from attractive shopping and travel insurance.

PostFinance credit cards. Supports all mobile payment providers.

PostFinance credit cards: every purchase counts

  • Unlimited cashback of up to 1%

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

  • Attractive shopping and travel insurance

  • Reservation guarantee for bookings

  • Flexible partial payment option

  • Exclusive with Platinum: free cash withdrawals worldwide, Concierge Service, airport VIP access

Comprehensive insurance

With new insurance coverage for shopping and travel, our credit cards will give you peace of mind on the go.

  • 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
    		 Classic/Standard
    CHF 50
    		Gold
    CHF 100
    		Platinum
    CHF 250
    Annual prices
    Partner card/second card
    		 Classic/Standard
    CHF 20
    		 Gold
    CHF 40
    		 Platinum
    • 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 limit
    • Individual
    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.
    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
    Lottery, betting and casino transactions
    • 3.5% commission (maximum CHF 100)
    • Exceptions are Swisslos and Lotterie Romande.
    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

  • With unlimited cashback for the PostFinance credit cards, you can benefit from a turnover reimbursement of up to 1%. The payment is made directly into your private account in June and December.

    Cashback on the sales turnover achieved :

    CashbackClassic/StandardGoldPlatinum
    Cashback
    In the first year
    		 Classic/Standard
    0.6%
    		 Gold
    1.0%
    		 Platinum
    1.0%
    Cashback
    From the second year
    		 Classic/Standard
    0.3%
    		 Gold
    0.5%
    		 Platinum
    0.5%

  • Shopping and travel insurance

    Unable to travel, for instance due to illness or an accident? Or have you lost your luggage? Has your mobile phone stopped working just after the warranty expired? No problem: pay with the PostFinance credit card, and the integrated insurance benefits will protect you at no extra cost.

    File a claim at erv.ch The link will open in a new window

    Benefits

    • Thanks to e-finance and the PostFinance App, 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

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

      The link will open in a new window Book now at avis.ch

      Rental vehicles can also be booked by calling The link will open in a new window +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.

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

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

      3-D Secure – shop online easily and securely
      Make contactless payments with the card
      More information about card security

    • 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.

  • VIP and Concierge Service

    Reserve a table, celebrate in a popular club, get tickets for a sports or cultural event, request Platinum insurance services – you can call our Concierge Service round the clock on The link will open in a new window +41 848 888 440 or you can send an e-mail to info@ervconcierge.ch. We will do everything we can to fulfil 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 89 euros
    • Two lounge entries worth 60 euros per year

    Worldwide cash withdrawal free of charge

    Do you need cash from time to time? With your PostFinance Visa Platinum Card, cash withdrawals are free at ATMs in Switzerland and abroad.

    • 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.

Order Classic/Standard credit card

The perfect card for day-to-day, flexible shopping: get unlimited cashback of 0.6% for the first year and benefit from attractive shopping insurance.

Order as a new customer

Order Gold credit card

The card for stress-free travel and shopping: benefit from unlimited cashback of 1% for the first year as well as attractive shopping and travel insurance.

Order as a new customer

Order a Visa Platinum card

The feel-good card. Everything you need: unlimited cashback of 1% for the first year, Platinum insurance package for shopping and travel, Concierge Service, access to airport lounges and free cash withdrawals worldwide.

Order as a new customer

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