PayperWIZ

PostFinance Visa Classic Card cashback rate, cap and annual fee

PostFinance Visa Classic Card pays 0.3% on everything, as a base rate. The card costs CHF 50 a year.

This is information about each card's published terms, not a recommendation to apply. PayperWIZ arranges no credit and is paid nothing by any bank or card issuer.

PostFinance · Switzerland · catalogue v117

Read from PostFinance's own published terms on 30 Oct 2026.

CHF 50Annual fee
0.3%Best rate

What it pays, by category

SpendingRateMonthly cap
everything else0.30%—3 SmartPoints per CHF 1, about 0.3% at 1,000 SmartPoints = CHF 1.
A Visa credit card. 3 SmartPoints per CHF 1 on purchases, unlimited; '1'000 SmartPoints entsprechen dem Wert von 1 Franken', paid out to a PostFinance account, so 0.3%. Double points in the first year of a first PostFinance credit card are not modelled. Transfers, gambling deposits, cash, TWINT transfers, fees and interest earn nothing; points last to the end of the following year. CHF 50 a year, free with the SmartPlus, SmartStudents and SmartYoung packages. 1.7% handling fee abroad. Source: postfinance.ch credit cards and SmartPoints pages and Prices and terms 460.10 (08.2025), read 30 Oct 2026.

Questions people ask

What cashback does the PostFinance Visa Classic Card pay?

0.3% on everything, as a base rate.

Is there a cap on the PostFinance Visa Classic Card?

No monthly cap is published on the rates shown here.

What is the annual fee on the PostFinance Visa Classic Card?

CHF 50 a year.

Knowing the rate is not the same as remembering it

PayperWIZ holds the cards you actually own and names the right one at the till — after the cap you have already used this month, and after the foreign-currency fee. Every rate in it says where it came from, the way this page does: read off the issuer and dated, or marked indicative.

Download on the App Store

Other Switzerland cards read off the issuer