Dive into the world of SmartPoints
Benefit from up to 1% cashback in the form of points in our new SmartPoints bonus programme for payments made with a PostFinance credit card.
PostFinance credit cards
Your credit card with attractive extras
With PostFinance credit cards, you get money back when you shop in the form of points in the SmartPoints bonus programme. Order online now and enjoy the benefits from your very first purchase. Mastercard® and Visa versions available.
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.
Make the most of your credit card
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Cashback of up to 1% 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 convert the points into money and have them paid out to your account.
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Pay securely in-store, mobile and online
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- Accepted worldwide
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Book hotels, rental cars and flights with ease
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- Insurance for shopping and – with certain cards – travel
Our credit cards at a glance
Classic/Standard From CHF 0/year
Gold From CHF 50/year
Platinum From CHF 200/year
Conditions and benefits in detail
PostFinance credit cards: your reliable companion
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Questions and answers
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You can apply for a credit card if you:
- are at least 18 years old
- live in Switzerland or Liechtenstein
- have a PostFinance banking package with a private account in CHF
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You can apply for a credit card online or via the PostFinance App in just a few minutes. Once PostFinance has approved your application, you will generally receive the card by post within three to five working days. The PIN will be sent separately. If you are not yet a PostFinance customer, you can order your credit card when you open your banking package.
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You can find the bonus programme in the PostFinance App or in your e-finance. You can register for the bonus programme easily and free of charge on these two platforms. After registering, you will receive SmartPoints for transactions and product subscriptions, which you can convert into money and have paid out to your account.
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Yes. The SmartStudents and SmartYoung banking packages include a free Classic/Standard credit card (from 18 years of age) or a prepaid card (from 12 years of age).
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With debit cards, every amount is debited from the account immediately. With the credit card, you pay for everything together at the end of the month, or in partial payments if preferred. Credit cards also offer extras such as insurance and reservation guarantees.
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All PostFinance credit cards offer:
- Bonus programme
- Reservation guarantee for hotels and rental cars
- Shopping insurance
- Car rental discount with AVIS
With the Gold and Platinum credit cards, you also get:
- Travel insurance
- Rental car insurance
With the Platinum credit card, you also get:
- Priority Pass worth EUR 89
- Two airport lounge entries per calendar year worth EUR 60
- Exclusive concierge service
- Free cash withdrawals worldwide
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In addition to enhanced travel insurance, you also have access to a concierge to book trips, events and restaurants for you. With the Priority Pass, you also have access to over 1,500 airport lounges worldwide – two free entries per calendar year are included. You can also withdraw cash worldwide free of charge.
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The only difference is where they are accepted as some retailers don’t accept both card types. Benefits, insurance and the bonus programme are the same for both cards.
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Yes. The card works worldwide and can be stored in wallets such as Apple Pay, Google Pay and Samsung Pay. Foreign currency fees or fees for cash withdrawals may apply abroad.
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Yes. You can pay the outstanding amount in instalments.
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Your limit is set individually depending on your financial situation. You can manage your credit card conveniently in e-finance under “My cards” or in the PostFinance App.
You can find help with managing your credit cards in our support area.
