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Our Take on 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.
PROS
- 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
CONS
- High annual fee (CHF 250)
- No concierge service
Card Details
At a Glance
Annual fee
CHF 250
Rewards rate
1% cashback
FX Fee
1.7%
Welcome bonus
1 % cash
Travel insurance coverage
CHF 25'000
Fees & Costs
Fees & Costs
First year annual fee
CHF 250
Annual fee (after first year)
CHF 250
Foreign exchange fee
1.7%
Cash Withdrawal (Domestic)
0%
Cash Withdrawal (International)
1.7%
Late Payment Fee
CHF 0
Additional Cards
1 free additional cards • CHF 90/card/year (beyond free)
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 25'000
Medical insurance coverage
CHF 1'000'000
Purchase protection
CHF 2'000
Card Features
Card Features
Card Network
Visa
Card Type
Platinum
Currency
CHF
Minimum income requirement
No income requirement
Monthly spending limit
-
Airport lounge access
Airport lounge access available
Concierge service
Key Features
- 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
Calculate If This Card Is Worth It for You
= CHF 30'000/year
You Pay
CHF 250
per year
You Get Back
CHF 651
estimated value
Bottom Line
+CHF 401
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
- 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.
How We Rated This Card
Wondering why PostFinance Visa Platinum Card got its score? We rate Premium 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 Platinum Card today and start enjoying its benefits.