PostFinance Visa Classic Card
PostFinance
Overall Rating
Annual fee
CHF 50
Network
Visa
Rewards Type
cashback
Welcome bonus
0.6 % cash
Also good for
Our Take on PostFinance Visa Classic Card
Declining cashback that halves after year one. At least the fee is often waived with PostFinance packages.
The PostFinance Visa Classic offers 0.6% cashback in year one, dropping to 0.3% from year two onward. PostFinance provides the same deal on their Mastercard Standard with identical terms. At CHF 50 annually (frequently waived through banking packages), it fits customers already in the PostFinance ecosystem who want a low-cost Visa option. See also the PostFinance Mastercard Standard.
Is CHF 50 Worth It?
For many PostFinance customers, the fee question is moot. Smart, SmartPlus, SmartYoung, and SmartStudent packages often include this card at no extra cost. If you're already paying for a package, the card comes along for free.
When paying full price, the math is underwhelming. On CHF 10,000 annual spending, 0.6% returns CHF 60 in year one but only CHF 30 thereafter. The fee wipes most of that out. The card works best as a bundled add-on, not a standalone purchase.
What Actually Stands Out
The package integration is the real selling point. PostFinance builds this card into their broader banking products, making it a natural extension of your existing relationship. Apple Pay, Google Pay, Samsung Pay, and Garmin Pay all work seamlessly.
CHF 500 purchase protection covers recent buys. The 1.75% FX fee is standard across Swiss banks. No travel insurance of any kind is included, so international travelers should look elsewhere.
What Most Reviews Miss
The declining cashback is the core weakness. Going from 0.6% to 0.3% means your rewards shrink every year you hold the card. Competitors like Certo One pay up to 1% with no annual fee at all. That gap compounds over time.
There is also no trip insurance, no medical coverage, no lounge access. This is a bare-bones payments card with a small cashback incentive. If you need protection abroad, consider cards in our credit card insurance guide.
The Bottom Line
A budget-friendly Visa for PostFinance customers who get it bundled with their banking package. The declining cashback limits standalone value, and the lack of insurance keeps it squarely in the basic category. Compare alternatives in our best cashback credit cards in Switzerland guide.
Verdict: Grab it free through a PostFinance package. Paying the full CHF 50 for 0.3% ongoing cashback is hard to justify.
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)
- No annual fee
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
Visa
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)
- No annual fee
- 24-hour customer service support
- Card available exclusively with selected banking packages (Smart, SmartPlus, SmartYoung, SmartStudent)
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
- What's the actual cashback I'll keep earning?
- 0.3% from year two onwards, after a 0.6% introductory year. Cash withdrawals, fees, and interest charges don't count toward turnover. On CHF 20,000 annual spend you earn CHF 60 a year after the intro period. Useful as an everyday PostFinance ecosystem card; not a cashback leader on its own merits.
- What does a foreign cash withdrawal cost?
- 5.20% with a CHF 10 minimum, below the cashback segment average of 5.64% abroad. A CHF 500 cash advance abroad costs CHF 26 in fees, plus interest from day one. Use a debit card if PostFinance offers one; the savings on cash are meaningful but a debit card kills the fee entirely.
- Are domestic ATM withdrawals cheaper here?
- 3.50% domestically with a CHF 10 minimum, below the typical 4% on most Swiss credit cards. A CHF 200 domestic withdrawal costs CHF 10. Cheaper than peers, but credit-card cash advances still beat debit cards on convenience only, not cost.
How We Rated This Card
Wondering why PostFinance Visa Classic Card 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 Visa Classic Card today and start enjoying its benefits.