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Prepaid card

PostFinance Mastercard Standard

Standard credit card
Private account necessary
With cash back

General

Card network

Mastercard

Card type

Standard

Issuer

PostFinance

Currency

CHF

General information

PostFinance Mastercard Standard and PostFinance Visa Classic Card have the same conditions.

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 8.2/10 (Very good)

Helpfulness 8.0/10 (Very good)

Product information 8.0/10 (Very good)

Assistance 7.9/10 (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

The annual fee is CHF 50.00.

Paper invoice

Kostenlos.

Additional cards

Annual fee for additional card: CHF 20.

Card loss

A replacement card costs CHF 30.00.

Purchase abroad in CHF

Purchases abroad in CHF are subject to the payment of an administrative fee. The administrative fee is 1.7% of the purchase amount.

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

1.865% 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

Cashback of 0.6% in the first year and 0.3% in the following year. Fees, interest and cash withdrawals are excluded from turnover.

Car rental discounts

Discount at Avis.

Insurance: purchase protection

Coverage of up to 500 Swiss francs per year against theft, robbery and accidental damage within 30 days of purchase.

Insurance: warranty

Manufacturers warranty extended up to 12 additional months for up to 500 francs per year in purchases.

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 (max. 5 incidents per year). Valid in Switzerland.

Insurance: legal protection

Buyer's legal protection: CHF 25,000 per event.