PostFinance Visa Gold Card

Identical to PostFinance Mastercard Gold. Same declining cashback, same trip insurance, different network.

The PostFinance Visa Gold mirrors their Mastercard Gold exactly: same CHF 100 fee, same 1%/0.5% declining cashback, same CHF 12,500 trip insurance, same lack of medical coverage abroad. Your network choice is purely about personal preference. The benefits and limitations are identical.

Does Network Choice Actually Matter?

In Switzerland, Visa and Mastercard acceptance is virtually identical. Both work everywhere. The 1% year-one cashback (0.5% after) works identically on both. The CHF 12,500 trip cancellation is identical. The lack of medical coverage abroad applies to both networks.

Pick based on which network you don't already have. PostFinance offers both so customers have options, but neither is objectively better.

What Actually Stands Out

Everything matches the Mastercard version. CHF 100 annual fee. 1% cashback year one, 0.5% thereafter. CHF 12,500 trip cancellation. CHF 1,000 purchase protection. 1.7% FX fee. No medical coverage abroad.

Apple Pay, Google Pay, Samsung Pay, and Garmin Pay all work. Banking integration with PostFinance e-finance is identical on both networks.

What Most Reviews Miss

The products are interchangeable. The meaningful decision is whether PostFinance Gold makes sense for your needs (given the declining cashback and missing medical coverage), not which network to choose.

Both networks have the same gap: no medical coverage abroad. Most gold cards include CHF 200,000-300,000 medical. If you travel internationally, you need separate insurance regardless of Visa or Mastercard choice.

The Bottom Line

Same card as PostFinance Mastercard Gold, on Visa network. Same benefits, same limitations. Compare alternatives in our best premium credit cards in Switzerland guide.

Verdict: Identical to Mastercard version. Choose Visa if you want network diversity or already have Mastercard products.