Auch gut für
Unsere Einschätzung zur PostFinance Visa Platinum Card
CHF 1,000,000 medical coverage plus lounge access. Finally, PostFinance adds comprehensive protection.
The PostFinance Visa Platinum finally adds what lower tiers lack: comprehensive medical coverage and lounge access. At CHF 250 annually, you get CHF 1,000,000 medical abroad, Priority Pass, concierge service, and the continuing (declining) cashback. For PostFinance loyalists who travel, this is the card that actually delivers premium benefits.
Is CHF 250 Worth It?
For travelers, likely yes. CHF 1,000,000 medical coverage abroad would cost CHF 100-200 standalone as premium travel insurance. CHF 25,000 trip cancellation adds another CHF 30-50 in value. Priority Pass with 2 free visits saves EUR 60+ if you use them.
The declining cashback (1% year one, 0.5% after) contributes CHF 100-200 annually on CHF 20,000 spending. Combined with insurance value, the math works for frequent international travelers. Our lounge access guide compares every Swiss card with lounge perks.
What Actually Stands Out
The CHF 1,000,000 medical coverage is luxury-tier protection at platinum pricing. Helicopter evacuations, US hospital stays, serious emergencies: covered. This finally puts PostFinance on par with competing premium cards.
Concierge service with no booking fees adds genuine value. Restaurant reservations, travel planning, event tickets. The 1.7% FX fee is reasonable for the tier.
What Most Reviews Miss
The Priority Pass is limited. 2 complimentary visits annually, then EUR 30 per visit. Heavy travelers will exceed this quickly. Cards like American Express Platinum (albeit more expensive) offer unlimited access.
The declining cashback remains frustrating. At platinum pricing, most competitors offer consistent rates. PostFinance's 0.5% ongoing rate feels misaligned with the CHF 250 fee. You're paying for insurance, not earning potential.
The Bottom Line
PostFinance's best card with genuine premium benefits. The CHF 1,000,000 medical coverage justifies the fee for international travelers. The declining cashback is the main weakness at this tier. Compare alternatives in our best luxury credit cards in Switzerland guide.
Verdict: Worth considering for PostFinance loyalists who travel frequently. The insurance is excellent; the cashback structure is disappointing.
VORTEILE
- 1 welcome bonus points
- Travel insurance coverage up to CHF 25,000
- Up to CHF 1,000,000 coverage for medical expenses
- Airport lounge access
- Apple Pay compatible
- Contactless payments for convenient transactions
- 1% cashback
- Standard Priority Pass membership
NACHTEILE
- High annual fee (CHF 250)
- No concierge service
Kartendetails
Auf einen Blick
Jahresgebühr
CHF 250
Prämiensatz
1% Cashback
FX-Gebühr
1.7%
Willkommensbonus
1 % cash
Reiseversicherungsschutz
CHF 25'000
Gebühren & Kosten
Gebühren & Kosten
Jahresgebühr im ersten Jahr
CHF 250
Jahresgebühr (nach dem ersten Jahr)
CHF 250
Fremdwährungsgebühr
1.7%
Bargeldabhebung (Inland)
0%
Bargeldabhebung (Ausland)
1.7%
Verzugsgebühr
CHF 0
Zusatzkarten
1 kostenlose Zusatzkarten • CHF 90/Karte/Jahr (weitere)
Prämienprogramm
Prämienprogramm
Prämientyp
cashback
Basis-Prämiensatz
1 %
Willkommensbonus
1 % cash
Earn 1% cashback on all purchases
Versicherung & Schutz
Versicherung & Schutz
Reiseversicherungsschutz
CHF 25'000
Krankenversicherungsschutz
CHF 1'000'000
Kaufschutz
CHF 2'000
Kartenmerkmale
Kartenmerkmale
Kartennetzwerk
Visa
Kartentyp
Platinum
Währung
CHF
Mindesteinkommensanforderung
Keine Einkommensanforderung
Monatliches Ausgabenlimit
-
Zugang zu Flughafen-Lounges
Flughafen-Lounge-Zugang verfügbar
Concierge-Service
Hauptmerkmale
- 1% cashback
- Standard Priority Pass membership
- Up to 25000 CHF coverage for trip cancellations
- Concierge service with no additional booking fees
- Multiple mobile payment options
Berechnen Sie, ob sich diese Karte für Sie lohnt
= CHF 30'000/year
Sie zahlen
CHF 250
pro Jahr
Sie erhalten
CHF 651
geschätzter Wert
Unterm Strich
+CHF 401
in Ihrer Tasche
Jährliche Berechnung:
CHF 30'000/yr × 1%
Verschieben Sie den Regler, um den Kartenwert zu sehen. Meilen: 1,5 Rp., Punkte: 1 Rp.
Bewertung nach Kategorie
Mit anderen Karten vergleichen
Häufig gestellte Fragen
- What happens if I miss a payment on the Platinum?
- There's no late payment fee. Premium cards in our database charge an average of CHF 23 when you miss a due date; PostFinance waives it entirely here. You still owe interest on the unpaid balance, but you won't see a punitive flat charge added to your next statement.
- How does the Platinum's cash withdrawal cost compare?
- Free domestically, 1.70% abroad with no minimum charge. Premium cards in our data average 5.68% on international cash withdrawals; the Platinum sits about a quarter of that. If you need cash on a trip and don't want to carry a separate debit card, this is one of the few Swiss premium cards where the math doesn't bleed you.
- What about supplementary cards?
- First one is free, each additional supplementary costs CHF 90 per year. A free first supplementary is rare in the premium segment (most charge from day one). Beyond that, CHF 90 is above the segment average of around CHF 55, so the structure rewards couples but penalizes larger households.
So haben wir diese Karte bewertet
Sie fragen sich, warum PostFinance Visa Platinum Card diese Bewertung hat? Wir bewerten Premium-Karten mit einer gewichteten Formel. Das zählt:
Gleiche Formel für jede Karte in dieser Kategorie. Keine Ausnahmen.
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