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Il Nostro Parere su 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 offer a consistent 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.
PRO
- 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
CONTRO
- No travel insurance
- No medical coverage
- No airport lounge access
- No concierge service
Dettagli della carta
In sintesi
Quota annuale
CHF 50
Tasso premi
0.6% cashback
Comm. FX
1.7%
Bonus di benvenuto
0.6 % cash
Commissioni e Costi
Commissioni e Costi
Quota annuale primo anno
CHF 50
Quota annuale (dopo il primo anno)
CHF 50
Commissione valuta estera
1.7%
Prelievo Contanti (Nazionale)
3.5% (min CHF 10)
Prelievo Contanti (Internazionale)
5.2% (min CHF 10)
Commissione Ritardo Pagamento
CHF 20
Carte aggiuntive
CHF 20/carta/anno
Programma Premi
Programma Premi
Tipo di premi
cashback
Tasso premi base
0.6 %
Bonus di benvenuto
0.6 % cash
Earn 0.6% cashback on all purchases
Assicurazione e Protezione
Assicurazione e Protezione
Copertura assicurativa viaggio
Nessuna assicurazione viaggio
Copertura assicurativa medica
Nessuna copertura medica
Protezione degli acquisti
CHF 500
Caratteristiche della Carta
Caratteristiche della Carta
Circuito della Carta
Visa
Tipo di Carta
Standard
Valuta
CHF
Requisito di reddito minimo
Nessun requisito di reddito
Limite di spesa mensile
-
Accesso alle lounge aeroportuali
Servizio di concierge
Caratteristiche Principali
- 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)
Calcola se questa carta ne vale la pena per te
= CHF 30'000/year
Paghi
CHF 50
all'anno
Ricevi
CHF 211
valore stimato
In sintesi
+CHF 161
in tasca
Calcolo annuale:
CHF 30'000/yr × 0.6%
Sposta il cursore per vedere il valore. Miles: 1,5 ct, punti: 1 ct.
Valutazione per Categoria
Confronta con altre carte
Domande frequenti
- 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.
Come abbiamo valutato questa carta
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