PostFinance Visa Gold Card and PostFinance Mastercard Gold

Get money back on all purchases worldwide

With the PostFinance Visa Gold and PostFinance Mastercard® Gold credit cards, you can shop online or in-store around the world, withdraw cash and make contactless payments at the checkout.

Order a Gold credit card and benefit Order a Gold credit card and benefit

Now is an especially good time to apply for a Gold credit card. You will benefit from turnover reimbursement and get 0.5 percent of the purchase sum back each time you use it – and even 1 percent in the first year. If you order by 26 September 2021, we will also credit your PostFinance account with 50 francs at the end of October 2021 provided your application is successfully verified.

PostFinance Visa Gold Card and PostFinance Mastercard Gold: get money back on all purchases worldwide

  • Make purchases and withdraw cash worldwide

  • Pay with Apple Pay and Samsung Pay

  • Bonus programme – with up to 1% cashback

  • Management 24/7 in e-finance and via the PostFinance App

  • Partial payment possible

  • With the unlimited cash bonus programme for the Gold cards from PostFinance, you can benefit from a turnover reimbursement of 0.5%. In the first year you even receive a double bonus. The payment is made directly into your private account every six months, in June and December.

    Cashback on the sales turnover achieved:

    • 1,0% in thefirst year
    • 0,5% from the second year
  • Design

    24/7 management 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, 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)
    • Block or unblock your card and order a replacement card or a replacement PIN
    • Set the preferred payment method for the monthly credit card invoice

    Mobile payment solutions

    Pay securely, more easily and quickly. The PostFinance Visa Gold Card and Mastercard Gold can be stored with the following providers:

    AVIS – discounted car rental

    Book your rented vehicle via the link below and pay with your PostFinance Visa Gold Card or PostFinance Mastercard Gold. You will receive the discount automatically.

    Rental vehicles can be booked by calling 0848 811 818. Quote the AWD number (Avis Worldwide Discount number) during the call. The number can be found on the back of your Gold card.

    Card security

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

  • Preconditions

    The applicant

    • resides in Switzerland or Liechtenstein (country of domicile),
    • is at least 18 years old
    • and has a private account in CHF from PostFinance
    • has gross annual income of CHF 75,000

    Card prices

    Main card

    CHF 100 per year


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

    Partner card/second card
    CHF 40 per year

    Replacement cards

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

    Payments and cash withdrawals

    Monthly spending limit
    Transactions abroad (CHF/foreign currencies)
    1.2% 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)
    Monthly cash withdrawal limit
    • CHF 1,000 per day from ATMs
    • Max. 40% of spending limit

    Payment methods

    Payment period for monthly bill
    20 days, default interest charged thereafter
    Part payment
    • Possible, if there is no risk of overindebtedness
    • 9.5% effective annual interest rate

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