PostFinance Mastercard Standard

0.6% cashback year one, 0.3% after. Often included free with PostFinance banking packages.

The PostFinance Mastercard Standard offers declining cashback rates: competitive in year one, modest thereafter. At CHF 50 annually (often waived with banking packages), it serves PostFinance customers who want integrated banking and credit card management. The value depends heavily on whether you're already in the PostFinance ecosystem. Also available on the other network: PostFinance Visa Classic Card.

Is It Worth Getting?

If you're already a PostFinance customer, possibly. 0.6% cashback in year one, 0.3% thereafter. CHF 20,000 annual spending = CHF 120 first year, CHF 60 after. The rate drop is disappointing, but if the card is included free in your banking package, the cashback is pure profit.

If you'd pay CHF 50 standalone, the math is less compelling. Year two onwards, CHF 60 cashback minus CHF 50 fee = CHF 10 net. Cards like Certo One offer 1% cashback free.

What Actually Stands Out

The banking integration is the differentiator. Card management directly in PostFinance e-finance. Automatic statement payments. Unified view of all finances. For PostFinance customers, the convenience of single-platform management has value beyond raw cashback rates.

1.7% FX fee is slightly better than average (most cards charge 2%). Apple Pay, Google Pay, Samsung Pay, and Garmin Pay all work. The card functions well as a basic credit card.

What Most Reviews Miss

The declining cashback structure is unusual. Most cards maintain consistent rates. PostFinance's approach means year one value doesn't represent ongoing value. Budget accordingly: first-year returns won't repeat.

CHF 500 purchase protection is minimal. Most gold cards offer CHF 2,000-5,000. No travel insurance at this tier. If you need protection, you'll need to upgrade or add separate coverage.

The Bottom Line

A basic card for PostFinance customers who value banking integration over maximum cashback. The declining rate structure and minimal protection limit appeal for non-customers. Compare alternatives in our best cashback credit cards in Switzerland guide. This card is also available on Visa (Visa Classic) with identical benefits.

Verdict: Fine if included in your PostFinance package. Not worth seeking out if you're not already a PostFinance customer.