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.

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.

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.

Verdict: Decent for PostFinance loyalists. The lack of medical coverage limits travel utility significantly.