PostFinance Mastercard Value

Get money back on all purchases worldwide

The PostFinance Mastercard® Value is a prepaid card that works like a credit card: You can load credit easily and conveniently in e-finance and via the PostFinance App. You can also access all your credit card details and receive SMS notifications about the transactions you have carried out. You get money back on all purchases made in Switzerland and abroad. The PostFinance Mastercard Value is one of the best cards available in Switzerland.

Award for PostFinance credit cards

In the satisfaction survey, PostFinance customers rated PostFinance’s credit card range “very good”. Credit cards Rating very good

PostFinance Mastercard Value: get money back on all purchases worldwide

  • Card on a credit balance basis

  • Make cashless purchases worldwide and pay online

  • Make contactless payments  

  • Withdraw cash worldwide

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

  • Check your account balance at any Postomat or ATM in Switzerland and around the world via the SMS card service

  • Bonus programme – money back on all purchases worldwide

  • The PostFinance Mastercard Value is ideal for:

    • Anyone who wants to have more control over their budget
    • Anyone looking for an alternative to their existing credit card
    • Young people over the age of 12 who want to familiarize themselves with cashless payment methods

    Two card designs to choose from

    With the PostFinance Mastercard Value, you can choose between two different card designs:

  • With the unlimited cash bonus programme for the PostFinance Mastercard Value, you can benefit from a turnover reimbursement of 0.3%. In the first year you receive a double bonus. The payment is made every six months (in June and December) directly to the private account. 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:

    • 0.6% in the first year
    • 0.3% from the second year
  • Make contactless payments

    The contactless payment function allows you to pay amounts of up to CHF 40 without entering 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.

  • 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 and carrying the emergency notes below.
    • 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.
    • Destroy your old card by cutting through the magnetic strip, chip and hologram.
  • Should you lose your card, we are there for you 24/7. We will replace the card as quickly as possible, usually within three days.

    In Switzerland: 0848 888 430 (max. CHF 0.08/min. in Switzerland)
    From abroad: +41 44 828 34 75

  • Issue criteria

    over the age of 12

    Card price

    The annual fee is debited directly from the card account.

    Main card
    CHF 50 per year (free with student and youth account)

    Topping up your card

    Top up in e-finance or with an inpayment slip
    Free of charge
    Initial loading
    At least CHF 100
    Maximum card balance
    CHF 10,000

    Card blocking & card replacement

    Replacement card
    CHF 20
    Card blocking
    Free of charge

    Payments and cash withdrawals

    Monthly spending limit
    None, the entire card balance is available
    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. topped-up balance

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