Prepaid card
PostFinance Visa Gold Card
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Gold credit card
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Private account necessary
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With cash back
General
Card network
Visa
Card type
Gold
Issuer
PostFinance
Currency
CHF
General information
The PostFinance Visa Gold Card has the same conditions as the PostFinance Mastercard Gold.
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.
Costs
Annual fee
The annual fee is CHF 100.00.
Paper invoice
Kostenlos.
Additional cards
Annual fee for additional card: CHF 40.
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
1.662% 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 1% in the first year and 0.5% in the following year. Fees, interest and cash withdrawals are excluded from turnover.
Car rental discounts
Discount at Avis.
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