Auch gut für
Unsere Einschätzung zur PostFinance Visa Classic Card
Identical to PostFinance Mastercard Standard. Same declining cashback, different network.
The PostFinance Visa Classic mirrors their Mastercard Standard exactly: same CHF 50 fee (often waived), same 0.6%/0.3% declining cashback, same package integration. Your network choice is purely about personal preference or portfolio diversity. The financial terms are identical.
Does Network Choice Actually Matter?
In Switzerland, Visa and Mastercard acceptance is virtually identical. Both work at essentially every retailer, restaurant, and online store. The declining cashback (0.6% year one, 0.3% after) works identically on both. The 1.7% FX fee is identical. The CHF 500 purchase protection is identical.
Pick based on which network you don't already have, or flip a coin. PostFinance offers both so customers have options.
What Actually Stands Out
Everything matches the Mastercard version. CHF 50 annual fee (often waived with banking packages). 0.6% cashback year one, 0.3% thereafter. Available within Smart, SmartPlus, SmartYoung, and SmartStudent packages.
Apple Pay, Google Pay, Samsung Pay, and Garmin Pay all work. The banking integration with PostFinance e-finance is identical on both networks.
What Most Reviews Miss
The products are interchangeable. PostFinance offers both networks purely for customer preference. Neither Visa nor Mastercard offers better cashback, better fees, or better integration. The meaningful decision is whether PostFinance's standard card makes sense for your needs, not which network to choose.
The declining cashback applies to both. If you dislike the 0.3% ongoing rate, switching networks won't help. Consider other cards entirely.
The Bottom Line
Same basic card as PostFinance Mastercard Standard, on Visa network. PostFinance customers can choose freely between networks. Compare alternatives in our best cashback credit cards in Switzerland guide.
Verdict: Identical to Mastercard version. Choose Visa if you want network diversity or already have Mastercard products.
VORTEILE
- 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)
- No annual fee
NACHTEILE
- No travel insurance
- No medical coverage
- No airport lounge access
- No concierge service
Kartendetails
Auf einen Blick
Jahresgebühr
CHF 50
Prämiensatz
0.6% Cashback
FX-Gebühr
1.7%
Willkommensbonus
0.6 % cash
Gebühren & Kosten
Gebühren & Kosten
Jahresgebühr im ersten Jahr
CHF 50
Jahresgebühr (nach dem ersten Jahr)
CHF 50
Fremdwährungsgebühr
1.7%
Bargeldabhebung (Inland)
3.5% (min CHF 10)
Bargeldabhebung (Ausland)
5.2% (min CHF 10)
Verzugsgebühr
CHF 20
Zusatzkarten
CHF 20/Karte/Jahr
Prämienprogramm
Prämienprogramm
Prämientyp
cashback
Basis-Prämiensatz
0.6 %
Willkommensbonus
0.6 % cash
Earn 0.6% cashback on all purchases
Versicherung & Schutz
Versicherung & Schutz
Reiseversicherungsschutz
Keine Reiseversicherung
Krankenversicherungsschutz
Keine medizinische Versorgung
Kaufschutz
CHF 500
Kartenmerkmale
Kartenmerkmale
Kartennetzwerk
Visa
Kartentyp
Standard
Währung
CHF
Mindesteinkommensanforderung
Keine Einkommensanforderung
Monatliches Ausgabenlimit
-
Zugang zu Flughafen-Lounges
Concierge-Service
Hauptmerkmale
- 0.6% cashback
- Multiple mobile payment options (Samsung Pay, Apple Pay, Google Pay, Garmin Pay)
- No annual fee
- 24-hour customer service support
- Card available exclusively with selected banking packages (Smart, SmartPlus, SmartYoung, SmartStudent)
Berechnen Sie, ob sich diese Karte für Sie lohnt
= CHF 30’000/year
Sie zahlen
CHF 50
pro Jahr
Sie erhalten
CHF 211
geschätzter Wert
Unterm Strich
+CHF 161
in Ihrer Tasche
Jährliche Berechnung:
CHF 30’000/yr × 0.6%
Verschieben Sie den Regler, um den Kartenwert zu sehen. Meilen: 1,5 Rp., Punkte: 1 Rp.
Bewertung nach Kategorie
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Häufig gestellte Fragen
- What is the annual fee for the PostFinance Visa Classic Card?
- The PostFinance Visa Classic Card has an annual fee of CHF 50.
- What are the foreign transaction fees for the PostFinance Visa Classic Card?
- The PostFinance Visa Classic Card charges a 1.7% foreign exchange fee on international transactions.
- What rewards does the PostFinance Visa Classic Card offer?
- The PostFinance Visa Classic Card offers cashback rewards at a base rate of 0 per CHF spent.
- Is the PostFinance Visa Classic Card compatible with Apple Pay?
- Yes, the PostFinance Visa Classic Card is fully compatible with Apple Pay for contactless mobile payments.
So haben wir diese Karte bewertet
Sie fragen sich, warum PostFinance Visa Classic Card diese Bewertung hat? Wir bewerten Cashback-Karten mit einer gewichteten Formel. Das zählt:
Gleiche Formel für jede Karte in dieser Kategorie. Keine Ausnahmen.
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