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. You get money back on all purchases made in Switzerland and abroad. The PostFinance Gold cards are among the best credit cards in Switzerland.

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

  • Make cashless purchases worldwide and pay online

  • Make contactless payments

  • Withdraw cash worldwide

  • Transaction overview and card top-up online in e-finance

  • Rental car benefits with AVIS 

  • Bonus programme – money back on all purchases worldwide

  • 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 receive a double bonus. The payment is made directly into your private account semi-annually, in June and December. Cash withdrawals and debits for interest, prices and fees are not taken into account for calculating the turnover reimbursement.

     

    Cashback on the sales turnover achieved:

    • 1.0% in the first year
    • 0.5% from the second year
  • Make contactless payments

    The contactless payment function allows you to pay small amounts of up to CHF 40 without entering your PIN. Simply hold your card against the payment terminal and your purchase is complete. For sums exceeding CHF 40, you will also need to enter your PIN.

    Manage your credit card in e-finance

    Thanks to secure e-finance, you have your credit card under control at all times:

    • Top up your card to increase the available amount
    • Check the available amount and your card limit
    • Check your most recent purchases, payments and cash withdrawals
    • Check the current and last 15 accounting periods
    • Check the bonus amount accrued up until the last settlement of accounts
    • Activate SMS notifications and SMS requests

    SMS notification

    With the SMS card service, you are kept informed at all times. On request, you can receive free SMS notifications:

    • For debits and credits
    • On falling below the available balance

    SMS request

    You can check your most recent transactions and the amount available on your card via SMS at any time. Send the relevant keyword and the last four digits of your card number to the number 474.

    Transactions and balance: Send cardinfo XXXX to 474

    Text message costs may apply according to the tariffs charged by the relevant mobile network operator.

  • AVIS – discounted car rental

    Book your rented vehicle via the link below and pay with your PostFinance Visa Gold Card or 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.

  • 3-D Secure

    3-D Secure is an internationally recognized security standard that offers protection for payments by credit and prepaid cards online. 3-D Secure is used by many online shops and is free of charge.

    This is how 3-D Secure works

    Once you have registered for the service, a new window opens during the payment process next time you make purchases online. The security notice you have selected appears in the window, prompting you to enter your personal password for identification purposes.

    Here’s how to register for 3-D Secure

    You can either register directly here or you will be asked to do so automatically next time you make purchases from an online shop that offers 3-D Secure. You need your credit or prepaid card to register as well as your card account number. This information can be found on your transaction overview/monthly invoice or in e-finance.

    Changing the password and security notice

    Under “My 3-D Secure”, you can change your password and security notice at any time and as often as you wish.

    Safe use of PostFinance credit/prepaid cards

    • Sign the back of the card immediately upon receipt.
    • Always keep the card in a safe place and check regularly to ensure that it is still in your possession, particularly when travelling.
    • If your card is lost, stolen or withheld by an ATM, or if you suspect it is being misused, you should ask PostFinance Customer Service to block it immediately.
    • Keep the Customer Service telephone number (blocking center) to hand at all times by storing it in your mobile phone.
    • Check your monthly bill immediately upon receipt against your purchase receipts, which should be retained for this purpose. Report any discrepancies to PostFinance Customer Service, in particular debits resulting from misuse of the card, within 30 days of receipt of your monthly bill.
  • Should you lose your card, we are there for you 24/7. We will replace the card as quickly as possible, usually within three working days.

    In Switzerland: 0848 888 700 (max. CHF 0.08/min. in Switzerland)
    From abroad: +41 44 828 32 81

  • Issue criteria

    Minimum gross annual income of CHF 75,000

    Card prices

    The annual fee is debited directly from the card account.

    Main card CHF 90 per year
    Partner card/second card CHF 40 per year

    Card blocking and card replacement

    Replacement card CHF 20
    Card blocking Free of charge

    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
    Settlement of monthly bill
    Settlement via Swiss Debit Direct, e-bill or inpayment slip
    Increase available amount
    • Via inpayment to the card account (free of charge in e-finance)
    • To increase your spending limit, please ask in writing from Customer Service

    An excessive credit card limit can lead to financial difficulties, especially if there is a change in the income/expenditure situation due to unexpected circumstances.

    Payments and cash withdrawals

    Monthly spending limit Individual
    Purchases and cash withdrawals in foreign currency
    1.2% processing surcharge (PostFinance uses the UBS currency sell rate. The exchange 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. 20% of spending limit

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