PostFinance Visa Gold Card
PostFinance
Overall Rating
Annual fee
CHF 100
Network
Visa
Rewards Type
cashback
Welcome bonus
1 % cash
Also good for
Our Take on PostFinance Visa Gold Card
1% cashback that halves after year one. Plus CHF 12,500 trip insurance but no medical coverage.
The PostFinance Visa Gold delivers 1% cashback in year one, declining to 0.5% from year two. PostFinance offers an equivalent Mastercard Gold with matching terms. At CHF 100 annually, you get CHF 12,500 trip cancellation insurance, but the missing medical coverage abroad is a real gap for a gold card at this price. See also the PostFinance Mastercard Gold.
Is CHF 100 Worth It?
The first-year math looks decent. 1% cashback on CHF 15,000 spending returns CHF 150, covering the fee with CHF 50 to spare. Add CHF 12,500 trip cancellation (worth CHF 30-50 standalone) and year one delivers solid value.
From year two, the picture changes. 0.5% ongoing cashback on the same spending returns just CHF 75. That no longer covers the fee. You're paying CHF 25 out of pocket for a card that most competitors beat on rewards alone.
What Actually Stands Out
The CHF 12,500 trip cancellation covers flights, hotels, and packages if you need to cancel. For domestic vacationers, this provides genuine peace of mind. CHF 1,000 purchase protection adds modest coverage on recent buys.
Apple Pay, Google Pay, Samsung Pay, and Garmin Pay all work. PostFinance e-finance integration keeps everything consolidated. The 1.75% FX fee is standard for Swiss gold cards. Our credit card insurance guide compares coverage across all Swiss cards.
What Most Reviews Miss
No medical coverage abroad is the elephant in the room. Most competing gold cards include CHF 200,000 to 300,000 in medical protection. If you travel internationally, you still need separate health insurance. That erodes much of the gold card's value proposition.
The declining cashback also undermines long-term loyalty. Cards like Swisscard Cashback reward consistent spending with consistent rates. PostFinance's structure essentially penalizes you for staying past year one.
The Bottom Line
A gold card with decent trip insurance but a frustrating cashback structure and a glaring medical coverage gap. PostFinance customers with package discounts get better value. Compare alternatives in our best premium credit cards in Switzerland guide.
Verdict: Reasonable in year one with the 1% rate. After that, the declining cashback and missing medical coverage make competing gold cards more appealing.
PROS
- 1 welcome bonus points
- Travel insurance coverage up to CHF 12,500
- Apple Pay compatible
- Contactless payments for convenient transactions
- 1% cashback
- Travel insurance coverage up to CHF 12500
- Multiple mobile payment options
CONS
- No medical coverage
- No airport lounge access
- No concierge service
Card Details
At a Glance
Annual fee
CHF 100
Rewards rate
1% cashback
FX Fee
1.7%
Welcome bonus
1 % cash
Travel insurance coverage
CHF 12'500
Fees & Costs
Fees & Costs
First year annual fee
CHF 100
Annual fee (after first year)
CHF 100
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 40/card/year
Rewards Program
Rewards Program
Rewards type
cashback
Base rewards rate
1 %
Welcome bonus
1 % cash
Earn 1% cashback on all purchases
Insurance & Protection
Insurance & Protection
Travel insurance coverage
CHF 12'500
Medical insurance coverage
No medical coverage
Purchase protection
CHF 1'000
Card Features
Card Features
Card Network
Visa
Card Type
Gold
Currency
CHF
Minimum income requirement
No income requirement
Monthly spending limit
-
Airport lounge access
Concierge service
Key Features
- 1% cashback
- Travel insurance coverage up to CHF 12500
- Multiple mobile payment options
- Available exclusively within specific banking packages (Smart, SmartPlus, SmartYoung, SmartStudent)
- 24-hour service support for cardholders
Calculate If This Card Is Worth It for You
= CHF 30'000/year
You Pay
CHF 100
per year
You Get Back
CHF 381
estimated value
Bottom Line
+CHF 281
in your pocket
Annual calculation:
CHF 30'000/yr × 1%
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
- Should I take the PostFinance Visa Gold or Mastercard Gold?
- No structural difference: same fee, same 1% then 0.5% cashback, same insurance, same CHF 40 supplementary fee. The network is the only real distinction. Take Visa if you'll use it on U.S. trips or for car rentals; Mastercard plays slightly better with small European merchants.
- Will I actually earn 1% cashback on this card year after year?
- Only in year one. Year two onwards it's 0.5%. Cash withdrawals, fees, and interest are excluded from turnover. The cashback alone isn't a strong reason to pick this card after year one; you keep it for the insurance and PostFinance integration.
- What's the foreign cash advance fee?
- 5.20% with a CHF 10 minimum, below the cashback segment average (around 5.64%). A CHF 500 cash advance abroad costs CHF 26 in fees, plus interest from the transaction date. Still expensive, just less expensive than peers; a debit card is cheaper still.
How We Rated This Card
Wondering why PostFinance Visa Gold 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 Gold Card today and start enjoying its benefits.