PostFinance credit cards

Get money back on all purchases worldwide

For travelling, shopping or everyday use, make purchases online or in store with a credit card from PostFinance and benefit from up to 1% cashback. Enjoy even more benefits and exclusive services with Platinum.

PostFinance credit cards: every purchase counts

  • Unlimited cashback of up to 1%

  • Pay with Apple Pay, Google Pay, Samsung Pay and other providers

  • Discounted car rental with Avis

  • Flexible partial payment option

  • Exclusive with the Platinum card: free cash withdrawals worldwide, Concierge Service, airport VIP access and travel insurance

PostFinance credit cards. Supports all mobile payment providers.
  • With unlimited cashback for the PostFinance credit cards, you can benefit from a turnover reimbursement of up to 1.0%. The payment is made directly into your private account in June and December.

    Cashback on the sales turnover achieved :

    CashbackClassic/StandardGoldPlatinum
    Cashback
    In the first year
    Classic/Standard
    0.6%
    Gold
    1.0%
    Platinum
    1.0%
    Cashback
    From the second year
    Classic/Standard
    0.3%
    Gold
    0.5%
    Platinum
    0.5%
  • Manage cards 24/7 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)
    • Easily block or unblock your card and order a replacement card
    • Select your preferred payment method for the monthly credit card invoice

    Mobile payment solutions

    Make safe, fast mobile payments. Store the PostFinance credit card with Apple Pay, Samsung Pay, Google Pay, SwatchPAY!, PostFinance TWINT, Garmin Pay and Fitbit Pay.

    AVIS – discounted car rental

    Book your hire car via the link below and pay with your PostFinance credit card. You will be granted the discount automatically.

    Rental vehicles can also be booked by calling +41 848 811 818. Quote the AWD number (Avis Worldwide Discount number) during the call. You can find it on the reverse of your PostFinance credit card.

    Card security

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

  • VIP and Concierge Service

    Reserve a table, celebrate in a popular club, get tickets for a sports or cultural event, request Platinum insurance services – our Concierge Service is there for you around the clock on +41 848 888 440. Call us and we will do everything we can to fulfil your wishes. You will be given preferential treatment by the experienced PostFinance team.

    Priority Pass with two free airport lounge entries per year

    Your PostFinance Visa Platinum Card and Priority Pass grant you access to countless airport lounges around the world. During longer flight layovers, a lounge is the perfect place for relaxation and refreshments.

    Your gift:

    • Priority Pass worth 99 euros
    • Two lounge entries worth 60 francs per year

    Travel insurance

    Are you unable to travel due to illness, an accident or an unexpected job opening? Cancellation costs insurance from Allianz Global Assistance will bear the costs of services not used. The trip does not have to be paid for with the PostFinance Visa Platinum Card. The deductible exclusion insurance for rented cars (CDW) means that you will not pay any deductible fees in case of damage or theft. The rented car must be paid for with the PostFinance Visa Platinum Card.

    InsuranceInsurance coverageInsured total (maximum)
    Insurance
    Cancellation fees
    Insurance coverage
    Trip cancellation and delayed start of trip, CHF 15,000 per event
    Insured total (maximum)
    Per event CHF 15,000
    Insurance
    Deductible exclusion for hire cars (CDW)
    Insurance coverage
    Excess for damage to a hire car during the hire period
    Insured total (maximum)
    Per event CHF 5,000
  • Preconditions

    • Domicile in Switzerland or Liechtenstein
    • At least 18 years old
    • Private account in CHF from PostFinance
    • Gross annual income or assets with PostFinance: min. 75,000 francs for gold, min. 100,000 francs for Platinum

    Card prices

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

    Annual pricesClassic/StandardGoldPlatinum
    Annual prices
    Main card
    Classic/Standard
    CHF 50
    Gold
    CHF 100
    Platinum
    CHF 250
    Annual prices
    Partner card/second card
    Classic/Standard
    CHF 20
    Gold
    CHF 40
    Platinum
    • One free additional card
    • Each additional card CHF 90

    Replacement cards

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

    Payments and cash withdrawals

    Monthly spending limitIndividual
    Monthly spending limit
    Transactions abroad (CHF/foreign currencies)
    Individual
    • 1.7% processing surcharge
    • The exchange rate (selling rate) used is set once a day and is valid for processing on the next working day.
    Monthly spending limit
    Cash withdrawal at ATMs in Switzerland and abroad
    Individual
    • 3.5% commission (minimum CHF 10)
    • Free with Platinum
    • Maximum cash withdrawal limit of CHF 1,000/day
    Monthly spending limit
    Lottery, betting and casino transactions
    Individual
    • 3.5% commission (maximum CHF 100)
    • Exceptions are Swisslos and Lotterie Romande.
    Monthly spending limit
    Monthly cash withdrawal limit
    Individual
    • Maximum 40% of your spending limit
    • Platinum: Maximum 100% of your spending limit

    Payment methods

    Monthly invoice payment deadline
    • 20 days
    • then billing of default interest
    Partial payment
    • possible at all times, except where there is a risk of excessive debt
    • 9.5% effective annual interest

Classic/Standard

The practical card for occasional users

Get unlimited cashback of 0.6% in the first year.

Gold

The card for frequent shoppers

Benefit from even more cashback: 1% in the first year.

Platinum

The exclusive VIP card

Enjoy all the benefits, like unlimited cashback of 1% in the first year, Concierge Service, travel insurance, entry to airport lounges and free cash withdrawals worldwide.

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