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Prepaid card

PostFinance Visa Classic Card

Standard credit card
Private account necessary
With cash back
Only possible with bank package

General

Card network

Visa

Card type

Standard

Currency

CHF

General information

PostFinance Visa Classic Card and PostFinance Mastercard Standard have the same conditions.
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 50. 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 20.

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

2.143% 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: 3 points per CHF 1 spent (6 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: purchase protection

Coverage of up to 500 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 12 additional months for up to CHF 500 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.