A comparison of credit and prepaid cards

Compare the conditions and benefits of our card options – the key points at a glance.

Don’t miss out: get 50 francs with a credit or prepaid card

Apply for a credit or prepaid card from PostFinance by 8 June 2025 and, if your application is successfully verified, you’ll receive 50 francs on your private account.

Classic/Standard From CHF 0 / year

Classic/Standard

From CHF 0 / year

The flexible card for everyday use – ideal for purchases and spontaneous spending

Prices in banking package
  • CHF 0 / year with SmartPlus, SmartYoung and SmartStudents
  • CHF 50 / year with Smart
  • Additional card: CHF 20 / year
Services
  • Up to 0.6% cashback
  • Mobile payment 
  • 24/7 management online 
  • Flexible partial payment option
  • Car rental discount with Avis
Insurance
  • Shopping insurance
Order as new customer Classic/Standard From CHF 0 / year, Order as new customer Order as existing customer Classic/Standard From CHF 0 / year, Order as existing customer
Gold From CHF 50 / year

Gold

From CHF 50 / year

The card for frequent travellers – with extras for worry-free shopping and travel

Prices in banking package
  • CHF 50 / year with SmartPlus, SmartYoung and SmartStudents
  • CHF 100 / year with Smart
  • Additional card: CHF 40 / year
Services
  • Up to 1% cashback
  • Mobile payment
  • 24/7 management online 
  • Flexible partial payment option
  • Car rental discount with Avis
Insurance
  • Shopping insurance
  • Travel insurance
  • Rental car insurance
Order as new customer Gold From CHF 50 / year, Order as new customer Order as existing customer Gold From CHF 50 / year, Order as existing customer
Platinum From CHF 200 / year

Platinum

From CHF 200 / year

The Premium card – with exclusive value-added services for travel, shopping and services

Prices in banking package
  • CHF 200 / year with SmartPlus, SmartYoung and SmartStudents
  • CHF 250 / year with Smart
  • Additional card: first card free of charge, each additional card CHF 90 / year
Services
  • Up to 1% cashback
  • Mobile payment
  • 24/7 management online 
  • Flexible partial payment option
  • Car rental discount with Avis
  • Exclusively with free cash withdrawals worldwide
  • Exclusively with the concierge service and airport lounge access
Insurance
  • Shopping insurance
  • Travel insurance exclusively with cure cost supplement
  • Rental car insurance exclusively with key insurance
Order as new customer Platinum From CHF 200 / year, Order as new customer Order as existing customer Platinum From CHF 200 / year, Order as existing customer
Mastercard Value prepaid card From CHF 0 / year

Mastercard Value prepaid card

From CHF 0 / year

The top-up card – for extra security

Prices in the banking package
  • CHF 0 / year with SmartPlus, SmartYoung and SmartStudents
  • CHF 50 / year with Smart
  • Additional card: not available
Services
  • Up to 0.6% cashback
  • Mobile payment 
  • 24/7 management online 
Insurance
  • Shopping insurance 
Order as new customer Mastercard Value prepaid card From CHF 0 / year , Order as new customer Order as existing customer Mastercard Value prepaid card From CHF 0 / year , Order as existing customer

More details about the cards