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Our Take on 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.
PROS
- 0.6 welcome bonus points
- Apple Pay compatible
- Contactless payments for convenient transactions
- 0.6% cashback
- Multiple mobile payment options (Samsung Pay, Apple Pay, Google Pay, Garmin Pay)
- 24-hour customer service support
CONS
- No travel insurance
- No medical coverage
- No airport lounge access
- No concierge service
Card Details
At a Glance
Annual fee
CHF 50
Rewards rate
0.6% cashback
FX Fee
1.7%
Welcome bonus
0.6 % cash
Fees & Costs
Fees & Costs
First year annual fee
CHF 50
Annual fee (after first year)
CHF 50
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 20/card/year
Rewards Program
Rewards Program
Rewards type
cashback
Base rewards rate
0.6 %
Welcome bonus
0.6 % cash
Earn 0.6% cashback on all purchases
Insurance & Protection
Insurance & Protection
Travel insurance coverage
No travel insurance
Medical insurance coverage
No medical coverage
Purchase protection
CHF 500
Card Features
Card Features
Card Network
Mastercard
Card Type
Standard
Currency
CHF
Minimum income requirement
No income requirement
Monthly spending limit
-
Airport lounge access
Concierge service
Key Features
- 0.6% cashback
- Multiple mobile payment options (Samsung Pay, Apple Pay, Google Pay, Garmin Pay)
- 24-hour customer service support
- Available as part of youth-oriented banking packages (SmartYoung, SmartStudent)
- Contactless payments for convenient transactions
Calculate If This Card Is Worth It for You
= CHF 30'000/year
You Pay
CHF 50
per year
You Get Back
CHF 211
estimated value
Bottom Line
+CHF 161
in your pocket
Annual calculation:
CHF 30'000/yr × 0.6%
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
- Why does the cashback rate drop after the first year?
- 0.6% in year one, then 0.3% from year two onwards. That's a deliberate acquisition incentive; PostFinance front-loads the rewards to attract new cardholders, then halves the rate. On CHF 20,000 annual spend, you earn CHF 120 the first year and CHF 60 every year after. Plan around this; the headline rate isn't what you'll keep getting.
- How does the cash advance fee compare to other Swiss cashback cards?
- 5.20% abroad, 3.50% domestically, both below the cashback segment averages (around 5.64% abroad, 4% domestic). Cash advances stay expensive in absolute terms (CHF 10.40 on a CHF 200 abroad withdrawal), but they're cheaper here than most peers. Cash, interest, and fees don't earn cashback.
- How does this compare to the PostFinance Visa Classic?
- Same fee, same declining cashback, same insurance, same CHF 20 supplementary. Mastercard edges Visa for broader European small-merchant acceptance; Visa wins at U.S. rental car desks. For routine PostFinance ecosystem use, either works equally well.
How We Rated This Card
Wondering why PostFinance Mastercard Standard 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 Standard today and start enjoying its benefits.