Prepaid card

PostFinance Mastercard Gold

  • Gold credit card

  • Private account necessary

  • With cash back

  • Only possible with bank package

General

Card network
Mastercard
Card type
Gold
Currency
CHF
General information

The PostFinance Mastercard Gold has the same conditions as the PostFinance Visa Gold Card.
PostFinance credit cards are only available as part of the Smart, SmartPlus, SmartYoung and SmartStudent banking packages.
Card replacement fee: CHF 30 (CHF 25 via e-finance).

General conditions
In order to get the card, you need an account with the same bank.
Spending limit
There is no maximum limit.
Payment method
eBill, Direct debit (LSV), QR-bill, Prepayment
Carrying balances
Carrying balances possible. If the invoice is not paid by the set deadline, an effective annual interest of 9.5% is owed.
Late payment fees
CHF 20 to CHF 40: No late payment fee for first and second payment reminder. CHF 20 for third reminder. CHF 40 for each additional reminder.

Customer satisfaction

General satisfaction    7.8/10 (Good)
Helpfulness    7.7/10 (Good)
Product information    7.8/10 (Good)
Assistance    7.7/10 (Good)

Ratings

Customer satisfaction
Bonus points / cash-back
Car rental discounts
Frequent flyer miles
Airport lounge access
Concierge service
Charity & sustainability
Various vouchers & discounts
Insurance: death & disability
Insurance: rescue & repatriation
Insurance: medical expenses
Insurance: flight delay & cancellation
Insurance: car rental
Insurance: luggage
Insurance: purchase protection
Insurance: return protection
Insurance: best price guarantee
Insurance: legal protection
Insurance: various

Costs

Annual fee

Annual fee of CHF 100. CHF 50 discount on the first main card in the SmartPlus, Smart Young and SmartStudent banking package.

Paper invoice
Kostenlos.
Additional cards

Annual fee for additional card: CHF 40.

Card loss
A replacement card costs CHF 30.00.
Purchase abroad in foreign currency
For purchases abroad or online in foreign currencies there is an administrative fee of 1.7% of the purchase amount.
Exchange rate markup
2.025% is the average markup of the EUR/CHF exchange rate against the interbank rate according to the latest regular samplings of moneyland.ch. The actual markup may vary daily.
Cash withdrawal in Switzerland
Per cash withdrawal in Switzerland there is a fee of 3.5% of the amount with a minimum of CHF 10.00.
Cash withdrawal abroad:
Per cash withdrawal abroad there is a fee of 3.5% of the amount with a minimum of CHF 10.00. Additionally, there is an administrative fee of 1.70%.
Special services
Samsung Pay, Apple Pay, Google Pay, Swatch Pay, Fitbit Pay, Garmin Pay, 24-hour service, Contactless payments, Mobile access, Online account, PIN, SMS service
Bonus points / cash-back

SmartPoints: 5 points per CHF 1 spent (10 points in the first year), 5050 welcome points. You’ll receive 10,000 points when you sign up for or upgrade to the SmartPlus banking package.

Car rental discounts

Discount at Avis.

Insurance: death & disability

Travel accident insurance: CHF 150,000 per person, cumulative CHF 500,000.

Insurance: rescue & repatriation

Up to 25,000 Swiss francs of search, rescue and repatriation costs covered per incident.

Insurance: cancellation & assistance

Coverage of up to 12,500 Swiss francs for trip cancellations and up to 3000 francs for trip interruptions.

Insurance: car rental

In the event of damage to or theft of the rental car, the deductible of another insurance policy is covered up to CHF 2000 per incident (maximum 90 days).

Insurance: luggage

Up to 2500 francs per trip are paid in case of theft, loss or damage of luggage. In case of luggage delay (from 6 hours) it is up to 300 francs per person and trip (maximum CHF 2000 per year).

Insurance: purchase protection

Coverage of up to 1000 Swiss francs per year against theft, robbery and accidental damage within 30 days of purchase (value of products is at least CHF 50).

Insurance: warranty

Manufacturers warranty extended up to 24 additional months for up to CHF 1000 per year in purchases (value of products is at least CHF 50).

Insurance: best price guarantee

Differences between purchase prices and lower offers of 30 Swiss francs of more are reimbursed up to 2000 Swiss francs per year (maximum 5 incidents per year, value of products is at least CHF 50, within 14 days of purchase). Valid in Switzerland.

Insurance: legal protection

Buyer's legal protection: CHF 25,000 per event.
Travel legal insurance of up to 150,000 Swiss francs within Europe and 50,000 francs outside of Europe.


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