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Our Take on PostFinance Mastercard Gold
1% cashback year one (0.5% after) plus CHF 12,500 trip insurance. But no medical coverage abroad.
The PostFinance Mastercard Gold doubles the cashback compared to their standard card and adds meaningful trip insurance. At CHF 100 annually (often discounted or included with packages), it's better value than the standard tier. However, the declining cashback and lack of medical coverage limit its appeal compared to competitors. Also available on the other network: PostFinance Visa Gold Card.
Is CHF 100 Worth It?
The math is mixed. 1% cashback year one, 0.5% thereafter. CHF 20,000 annual spending = CHF 200 first year, CHF 100 after. Year one easily covers the fee; year two onwards is break-even with spending alone.
CHF 12,500 trip cancellation coverage adds value (worth CHF 30-50 standalone). If you'd buy trip insurance anyway, the card provides meaningful return. But note: no medical coverage abroad, which is unusual for a gold card.
What Actually Stands Out
The 1.7% FX fee is better than average (most gold cards charge 2%). For PostFinance customers, the banking integration adds convenience: unified statement management, automatic payments, single-platform view of finances.
Apple Pay, Google Pay, Samsung Pay, and Garmin Pay all work. CHF 1,000 purchase protection is modest but covers small electronics and gifts. Our credit card insurance guide compares coverage across all Swiss cards.
What Most Reviews Miss
The absence of medical coverage abroad is a significant gap. Most gold cards include CHF 200,000-300,000 medical coverage. PostFinance Gold offers trip cancellation but won't help if you get sick or injured traveling. You'd need separate travel insurance for medical emergencies.
The declining cashback structure means year-one value doesn't represent ongoing value. Budget accordingly: 1% won't continue. Cantonal bank gold cards with consistent earning may serve better long-term.
The Bottom Line
Better than PostFinance Standard but limited by declining cashback and missing medical coverage. Reasonable for PostFinance customers who value banking integration, less compelling for travelers who need comprehensive protection. Compare alternatives in our best premium credit cards in Switzerland guide. This card is also available on Visa (Visa Gold) with identical benefits.
Verdict: Decent for PostFinance loyalists. The lack of medical coverage limits travel utility significantly.
PROS
- 1 welcome bonus points
- Travel insurance coverage up to CHF 12,500
- Apple Pay compatible
- Contactless payments for convenient transactions
- 1% cashback
- Comprehensive travel insurance covering up to 12500 CHF
- Multiple mobile payment options
CONS
- No medical coverage
- No airport lounge access
- No concierge service
Card Details
At a Glance
Annual fee
CHF 100
Rewards rate
1% cashback
FX Fee
1.7%
Welcome bonus
1 % cash
Travel insurance coverage
CHF 12'500
Fees & Costs
Fees & Costs
First year annual fee
CHF 100
Annual fee (after first year)
CHF 100
Foreign exchange fee
1.7%
Cash Withdrawal (Domestic)
3.5% (min CHF 10)
Cash Withdrawal (International)
5.2% (min CHF 10)
Late Payment Fee
CHF 20
Additional Cards
CHF 40/card/year
Rewards Program
Rewards Program
Rewards type
cashback
Base rewards rate
1 %
Welcome bonus
1 % cash
Earn 1% cashback on all purchases
Insurance & Protection
Insurance & Protection
Travel insurance coverage
CHF 12'500
Medical insurance coverage
No medical coverage
Purchase protection
CHF 1'000
Card Features
Card Features
Card Network
Mastercard
Card Type
Gold
Currency
CHF
Minimum income requirement
No income requirement
Monthly spending limit
-
Airport lounge access
Concierge service
Key Features
- 1% cashback
- Comprehensive travel insurance covering up to 12500 CHF
- Multiple mobile payment options
- 24-hour customer service support
- No annual fee
Calculate If This Card Is Worth It for You
= CHF 30'000/year
You Pay
CHF 100
per year
You Get Back
CHF 381
estimated value
Bottom Line
+CHF 281
in your pocket
Annual calculation:
CHF 30'000/yr × 1%
Move the slider to see how your spending affects the card's value. Miles: 1.5 ct, points: 1 ct.
Rating by Category
Compare to Other Cards
Frequently Asked Questions
- Does the 1% cashback last forever?
- Only the first year. From year two it drops to 0.5%. On CHF 30,000 annual spend that's CHF 300 the first year, then CHF 150 every year after. Cash withdrawals, fees, and interest don't qualify. The Gold card's cashback essentially halves once the introductory period ends, so factor in the steady-state return when comparing alternatives.
- How does the CHF 40 supplementary fee compare?
- CHF 40 per extra card per year. That's below the cashback segment average (around CHF 22 looks lower but is skewed by free-card outliers) and well under the premium-segment CHF 55. PostFinance prices supplementary cards more aggressively than most issuers; useful if both partners need a card on the same account.
- Are domestic cash withdrawals cheaper here than on most Swiss cards?
- 3.50% domestically with a CHF 10 minimum, below the typical 4% you see on most Swiss credit cards. A CHF 200 domestic ATM withdrawal costs CHF 10 (the minimum kicks in). Still expensive compared to a debit card, but cheaper than the bulk of cashback peers.
How We Rated This Card
Wondering why PostFinance Mastercard Gold got its score? We rate Cashback cards using a weighted formula. Here's what counts:
Same formula for every card in this category. No exceptions.
See our full rating methodologyReady to Apply?
Apply for the PostFinance Mastercard Gold today and start enjoying its benefits.