Visa credit card

Get money back on all purchases worldwide
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Do things your way – at home, abroad, online and in everyday life: with the PostFinance Visa credit card, you can make easy and secure cashless payments anywhere. Get money back with every purchase and benefit from attractive shopping and travel insurance.

Visa credit card: every purchase counts

  • Unlimited cashback of up to 1%

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

  • Attractive shopping and travel insurance

  • Reservation guarantee for bookings

  • Flexible partial payment option

  • Exclusive with Platinum: free cash withdrawals worldwide, Concierge Service, airport VIP access

Visa credit cards at a glance

The PostFinance Visa credit cards. Supports all mobile payment providers.

  • Preconditions

    • Domicile in Switzerland or Liechtenstein
    • At least 18 years of age
    • Private account in CHF from PostFinance

    Card prices

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

    Annual pricesClassicGoldPlatinum
    Annual prices
    Main card
    		 Classic
    CHF 50 
    		 Gold
    CHF 100 
    		 Platinum
    CHF 250 
    Annual prices
    Partner card/second card
    		 Classic
    CHF 20
    		 Gold
    CHF 40
    		 Platinum
    • First card free
    • 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 withdrawal

    Monthly spending limit
    • Individual
    Transactions abroad including online shops of foreign retailers (CHF/foreign currencies)
    • 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
    Cash withdrawals at ATMs in Switzerland and abroad
    • 3.5% commission (minimum CHF 10)
    • Free of charge with Platinum
    • Maximum withdrawal of CHF 1,000 per day
    Lottery, betting and casino transactions
    • 3.5% commission (maximum CHF 100)
    • Swisslos and Lotterie Romande are excluded
    Monthly cash withdrawal limit
    • Classic/Gold: maximum 40% of your spending limit
    • Platinum: maximum 100% of your spending limit

    Payment methods

    Find out more about the interest rates on the Visa credit card.

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

  • With unlimited cashback for the PostFinance credit cards, you can benefit from a turnover reimbursement of up to 1%. The payment is made directly into your private account in June and December.

    Cashback on the sales turnover achieved :

    CashbackClassicGoldPlatinum
    Cashback
    In the first year
    		 Classic
    0.6%
    		 Gold
    1.0%
    		 Platinum
    1.0%
    Cashback
    From the second year
    		 Classic
    0.3%
    		 Gold
    0.5%
    		 Platinum
    0.5%

  • Shopping and travel insurance

    Unable to travel, for instance due to illness or an accident? Or have you lost your luggage? Has your mobile phone stopped working just after the warranty expired? No problem: pay with the PostFinance credit card, and the integrated insurance benefits will protect you at no extra cost.

    File a claim at erv.ch The link will open in a new window

    Benefits

    • With e-finance and the PostFinance app, 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

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

      The link will open in a new window Book at avis.ch

      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.

    • Often, debit cards are not accepted for booking accommodation, rental cars or flights. A credit card, however, guarantees the reservation.

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

      3-D Secure – online shopping made safe and simple
      Pay contactless with the card
      More information about card safety

    • 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.

    • Reserve a table, celebrate in a popular club or get tickets for a sports or cultural event – our Concierge Service is there for you around the clock on +41 848 888 440 or by e-mail at info@ervconcierge.ch. We will do everything we can to fulfil your wishes. You will be given preferential treatment by the experienced PostFinance team.

    • 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 89 euros
      • Two lounge entries worth 60 euros per year

      The link will open in a new window Find further information at prioritypass.com

    • Do you need cash from time to time? With your PostFinance Visa Platinum Card, cash withdrawals are free at ATMs in Switzerland and abroad.

    • In terms of the service from PostFinance credit cards, there is no difference between a Visa and a Mastercard credit card. Both Visa and Mastercard have similar acceptance points worldwide. However, it can be the case that particular retailers only accept one of these cards. This will be indicated at the physical or online checkout.

    • Visa, like Mastercard, is a brand. Both brands offer debit, credit and prepaid cards.

      • Debit card: purchase amounts are directly charged to the private account.
      • Credit card: purchases are made on credit. Purchase amounts are invoiced monthly.
      • Prepaid card: the card must be loaded with credit before making purchases.

    • PostFinance Card with Debit Mastercard:

      • Account debited directly
      • Mobile payments: Apple Pay, Google Pay

      PostFinance credit card:

      • Bonus programme (cashback on sales turnover)
      • Car rental discount with AVIS
      • Financial flexibility (monthly invoice, partial payment possible)
      • Reservation guarantee: debit cards are often not accepted when booking accommodation, rental cars or flights. A credit card, however, guarantees the reservation.
      • Mobile payments with: Apple Pay, Samsung Pay, Google Pay, Garmin Pay, Fitbit Pay or SwatchPAY!
      • Value-added services depending on credit card: shopping insurance, travel insurance, VIP and concierge service, Priority Pass with airport lounge access

Order Visa Classic

The perfect card for day-to-day, flexible shopping: get unlimited cashback of 0.6% for the first year and benefit from attractive shopping insurance.

Order as a new customer

Order Visa Gold

The card for stress-free travel and shopping: benefit from unlimited cashback of 1% for the first year as well as attractive shopping and travel insurance.

Order as a new customer

Order Visa Platinum

The feel-good card. Everything you need: unlimited cashback of 1% for the first year, Platinum insurance package for shopping and travel, Concierge Service, access to airport lounges and free cash withdrawals worldwide.

Order as a new customer

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