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.

Win a break with your credit cardWin a break with your credit card

If you pay by credit card at least three times or successfully apply for a new credit card by 27 September 2020, you will automatically be entered into a prize draw for a chance to win one of 210 Smartboxes with a combined value of over 35,000 francs. We are giving away:

  • 10x Smartboxes “A break in Switzerland” each worth CHF 349.90
  • 50x Smartboxes “Wonderful Switzerland” each worth CHF 199.90
  • 150x Smartboxes “A tasty treat in Switzerland” each worth CHF 149.90

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

  • Make cashless purchases worldwide and pay online

  • Withdraw cash worldwide

  • Simple card management in e-finance and via the PostFinance App

  • Free SMS notification for executed transactions

  • Discounted car rental 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
  • Contactless payment – new 80 franc limit

    The contactless payment function previously allowed you to pay small amounts of up to 40 francs without entering your PIN. From now on and until further notice, you can pay small amounts of up to 80 francs without entering your PIN. Simply hold your card against the payment terminal, and your purchase is complete. For amounts above the limit, 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:

    • Check the available amount, your card limit and the accrued bonus amount
    • Top up your card to increase the available amount
    • Check all transactions in the current accounting period and the last 15 accounting periods
    • Block and unblock a card, order a replacement card and PIN
    • Free SMS notifications for executed transactions
    • Set the preferred payment method for the monthly credit card invoice

    More credit card services

    Modify your powers of attorney, your limits and the update service, or query transactions.

  • SwatchPAY

    Put on your SwatchPAY! watch and simply hold up your wrist at the checkout or vending machine – that’s how quick and cool it is to make contactless payments. Link your PostFinance Mastercard with SwatchPAY! and off you go. Time is money.

    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 – shop online easily and securely

    The 3-D Secure procedure is a service provided by Mastercard/Visa and PostFinance, which makes online shopping with a credit card more secure. More and more retailers are using this procedure. Customers are asked to confirm the payment with an additional security element when they shop online.

    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. Alternatively, you can block the card yourself in your e-finance.
    • 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.

    Block and replace via e-finance

    Block and replace via telephone

    In Switzerland: 0848 888 400 (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

    Replacement Card

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

    Card blocking

    Via hotline/customer advisor
    Free of charge
    Via e-finance
    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
    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

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