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 moneyland.ch satisfaction survey, PostFinance customers rated PostFinance’s credit card range “very good”.

moneyland.ch 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

  • Withdraw cash worldwide

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

  • Free SMS notification for executed transactions

  • 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. 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:

    • 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
  • 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 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 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

    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

    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

    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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