Dive into the world of SmartPoints
You can benefit from the SmartPoints bonus programme conveniently in your everyday life. You automatically collect SmartPoints when you pay with PostFinance payment methods or take out selected products. You also have the opportunity to win SmartPoints by taking part in challenges, games or exciting quizzes. You can convert the collected SmartPoints into credit and transfer them to your PostFinance account.
If you register for the new PostFinance bonus programme by 5 July 2026, you will automatically be entered into the prize draw.
Starting credit of 5,000 SmartPoints for free
Simple registration in the PostFinance App or in e-finance
Free participation
Benefit from every payment with your PostFinance Card, a PostFinance credit card or PostFinance TWINT
Earn additional SmartPoints for challenges, games, quizzes and product subscriptions
Convert SmartPoints into credit and have it credited to your private account The payment is made in francs to the account from which fees (e.g. account fees) are debited.
For participation in the SmartPoints bonus programme, the following preconditions apply:
You don’t need an additional app for the bonus programme. Register for the bonus programme in the PostFinance App (Offers > Products) or in e-finance (under Products). You can register for the bonus programme easily and free of charge on both of these platforms.
You automatically collect SmartPoints every time you make a purchase with your PostFinance Card, PostFinance TWINT (maximum 100 SmartPoints per purchase) or PostFinance credit card. You will continue to benefit from the same cashback calculation as before for payments made with the PostFinance credit card.
Calculation examples can be found in the table:
| Card | Purchase amount | Points credit |
|---|---|---|
| Card PostFinance Card debit card |
Purchase amount per CHF 1 |
Points credit 1 SmartPoint |
| Card Prepaid / Classic / Standard credit card |
Purchase amount per CHF 1 |
Points credit 3 SmartPoints |
| Card Gold / Platinum credit card |
Purchase amount per CHF 1 |
Points credit 5 SmartPoints |
You will also receive SmartPoints for subscribing to and/or using the following products:
| Product | Points credit |
|---|---|
| Product PostFinance credit cards |
Points credit In the first year after taking out a PostFinance Classic/Standard, Gold or Platinum credit card, you benefit from double cashback in the form of SmartPoints. You will also receive 50,000 additional SmartPoints when you upgrade your existing PostFinance credit card to Gold or Platinum. |
| Product SmartPlus banking package |
Points credit You will receive 10,000 SmartPoints for taking out or upgrading to the SmartPlus banking package. We also reward your loyalty each year with 10,000 SmartPoints. |
| Product Life insurance |
Points credit You will receive 50,000 SmartPoints for taking out life insurance with PostFinance. |
| Product Mortgage |
Points credit You will receive 50,000 SmartPoints for taking out a PostFinance mortgage. We reward your loyalty every year with 5,000 SmartPoints. |
| Product E-trading |
Points credit You will receive 18,000 points when opening and using e-trading (with a securities custody account). |
You can redeem your SmartPoints easily in the PostFinance App or on the “Redeem” subpage in the “Bonus programme” section in e-finance. You can easily have the SmartPoints transferred to your PostFinance account as cash via cashback. The payment will be made in francs to the account from which fees (e.g. account fees) are debited.
To be able to give SmartPoints as a gift in the PostFinance App or in e-finance, two preconditions must be met:
A maximum of 50,000 SmartPoints can be given as a gift at any one time.
Registration for the bonus programme is free and straightforward. To do so, log in to the PostFinance App or e-finance and then navigate to “Products” in e-finance and to “Offers” in the app.
After successfully registering for the bonus programme, you will automatically collect SmartPoints: when using your PostFinance Card, PostFinance credit card or PostFinance TWINT, when subscribing to various products, and at special times as a reward for your loyalty. You also have the opportunity to earn additional SmartPoints by actively taking part in challenges and prize draws as part of the bonus programme. A detailed list of SmartPoints collection options can be found under “Here’s how it works”.
You can redeem your SmartPoints easily and conveniently on the “Redeem” subpage in the “Bonus programme” section in the PostFinance App or in e-finance. You can have the SmartPoints transferred to your PostFinance account as cash via cashback. The payment will be made in francs to the account from which fees (e.g. account fees) are debited.
If you want to convert your SmartPoints into credit and have them paid out to your account as cashback, 1,000 SmartPoints correspond to 1 franc. If you have your SmartPoints paid out to a foreign currency account, the amount will be converted from Swiss francs into the account currency at the applicable daily rate and then credited.
To transfer SmartPoints, you need the bonus programme ID of the person who is to receive the gift. This can only be communicated to you by the person concerned. You can find the bonus programme ID on the main page next to your point balance or on the “Transfer” subpage in the bonus programme in the PostFinance App or in e‑finance.
Yes, participation with a private foreign currency account is possible. If you have your SmartPoints paid out to a foreign currency account, the amount will be converted from Swiss francs into the account currency at the applicable daily rate and then credited.
Yes, you can also collect SmartPoints if you pay with your PostFinance TWINT App (maximum 100 SmartPoints per purchase). Please note that transfers to other TWINT users are excluded.
Yes, if you have a partner account, you can also take part in the bonus programme with this account.
Yes, you can also take part in the bonus programme with multiple business relationships. However, a separate registration is required for each business relationship. For this, log in to the PostFinance App or e-finance, access the bonus programme and select the relevant business relationship in the overview using the drop-down menu that opens. The SmartPoint credit is generally managed separately, but can be transferred between business relationships (see “Can I transfer SmartPoints?”).
SmartPoints are generally credited to you when your purchase has been booked. The time taken for transactions to be credited and processed varies depending on the merchant. After booking, it takes a moment for the transactions in the bonus programme to be rewarded with SmartPoints. If no SmartPoints are received despite this waiting time, you can contact our Customer Service at +41 58 448 14 14.
Yes, payments to gambling accounts, cash withdrawals, TWINT transfers to other users and debits for fees, interest and charges in particular are excluded from the bonus programme.
If you wish to unregister from the bonus programme, you can do so in the PostFinance App under “More” > “My products” or in e-finance under “Profile and settings” > “Profile”. It is important to redeem the SmartPoints you have collected before you unregister, as your SmartPoints will irrevocably expire after you unregister.
Before you definitively unregister, you will be informed that your SmartPoints will expire when you unregister and can no longer be redeemed. The data in the bonus programme cannot be recovered – you will no longer be able to access it.
SmartPoints are valid until the end of the following year (example: SmartPoints that you collect between 1 January and 31 December 2026 are valid until 31 December 2027). The bonus programme overview always shows you how many SmartPoints will expire at the end of the current year.
Important: transferred SmartPoints also retain their original validity date.
