Mastercard® credit card
Get money back on all purchases worldwideShopping pays off with credit cards for Switzerland, abroad and everyday life: you can make cashless payments easily and securely with PostFinance Mastercard credit cards and the Mastercard prepaid card. Get money back with every purchase and benefit from attractive shopping and travel insurance.
Mastercard credit card: every purchase counts
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Unlimited cashback of up to 1%
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Pay with Apple Pay, Google Pay, Samsung Pay and other providers
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Attractive shopping and travel insurance
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Reservation guarantee for bookings
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Flexible partial payment option
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Preconditions
- Domicile in Switzerland or Liechtenstein
- At least 18 years of age for the credit card Standard and Gold
- At least 12 years of age for the prepaid credit card
- 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 prices Standard Gold Prepaid Annual prices Main cardStandard CHF 50Gold CHF 100Prepaid CHF 50Annual prices Partner card/second cardStandard CHF 20Gold CHF 40Prepaid –Replacement cards
- Via hotline/customer advisor: CHF 30 per card
- Via e-finance: CHF 25 per card
Payments and cash withdrawal
Monthly spending limit
- Standard/Gold: individual
- Prepaid: the entire card balance is available
Transactions abroad including 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 withdrawals at ATMs in Switzerland and abroad
- 3.5% commission (minimum CHF 10)
- Maximum withdrawal of CHF 1,000 per day
Lottery, betting and casino transactions
- 3.5% commission (maximum CHF 100)
- Swisslos and Lotterie Romande are excluded
Monthly cash withdrawal limit
- Standard/Gold: maximum 40% of your spending limit
- Prepaid: maximum credit loaded
Payment methods credit cards Standard and Gold
Monthly invoice payment deadline- 20 days
- After this, billing of default interest
Partial payment- Possible at all times, except where there is a risk of excessive debt
- 9.5% effective annual interest
Payment method prepaid card
- Load in e-finance or with an inpayment slip: free of charge
- Initial loading: minimum CHF 100
- Maximum card balance: CHF 10,000
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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 :
Cashback Standard Gold Prepaid Cashback In the first yearStandard 0.6%Gold 1.0%Prepaid 0.6%Cashback From the second yearStandard 0.3%Gold 0.5%Prepaid 0.3% -
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.
Benefits
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With e-finance and the PostFinance app, you have your credit card under control at all times:
- Real-time display of all your transactions, card limits and available amounts
- Load credit onto your card to increase your available amounts
- 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
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Book your rental car via the link below and pay with your PostFinance credit card Standard or Gold. You will be granted the discount automatically.
The link will open in a new window Book at avis.ch
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.
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Often, debit cards are not accepted for booking accommodation, rental cars or flights. The credit cards Standard and Gold, however, guarantee the reservation.
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Make secure payments worldwide with PostFinance credit cards thanks to the latest chip technology and 3-D Secure.
3-D Secure – online shopping made safe and simple
Pay contactless with the card
More information about card safety -
Make safe, fast mobile payments. Store the PostFinance credit cards and prepaid cards with Apple Pay, Samsung Pay, Google Pay, SwatchPAY!, PostFinance TWINT, Garmin Pay and Fitbit Pay.
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In terms of the service from PostFinance credit cards, there is no difference between a Visa and a Mastercard credit card. Both Visa and Mastercard have similar acceptance points worldwide. However, it can be the case that particular retailers only accept one of these cards. This will be indicated at the physical or online checkout.
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Mastercard, like Visa, is a brand. Both brands offer debit, credit and prepaid cards.
- Debit card: purchase amounts are directly charged to the private account.
- Credit card: purchases are made on credit. Purchase amounts are invoiced monthly.
- Prepaid card: the card must be loaded with credit before making purchases.
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PostFinance Card with Debit Mastercard:
- Account debited directly
- Mobile payments: Apple Pay, Google Pay
PostFinance credit card:
- Bonus programme (cashback on sales turnover)
- Car rental discount with AVIS
- Financial flexibility (monthly invoice, partial payment possible)
- Reservation guarantee: debit cards are often not accepted when booking accommodation, rental cars or flights. A credit card, however, 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: shopping insurance, travel insurance, VIP and concierge service, Priority Pass with airport lounge access
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That depends on multiple factors, such as the chosen opening channel or whether all application documents were properly submitted. Normally, you receive your new credit card within three to five working days by post.
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Order Mastercard Standard
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 Mastercard Gold
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 the prepaid credit card
The card for added security when topping up: get 0.6% cashback for the first year and benefit from attractive shopping insurance.
