PostFinance review

The annual fee on the credit card is CHF 50. The card kind is credit, so this charge applies to the credit account rather than the debit card. Across the site, the median annual fee is €0, so this one sits above the typical figure.

The rewards are cashback rather than points or miles, and the rate is 0.3%. The published rewards rate is 0.3% cashback, 0.6% in first year, which sets a higher return during the opening period before settling at the standard rate.

Currency conversion on the credit card is charged at 1.2%. The site median for currency conversion is 1%, and the ranking for cards with no foreign fee tops out at 1.95%, so heavy foreign spend is where this card costs most.

Yes. The debit card type is debit, which draws directly on the account balance, and the credit card is separate with the annual fee of CHF 50. Debit cards make up 74.3% of the cards compared on the site.

No regulator, licence or protection scheme appears in the details published for this card. What the listed facts cover is the card type, the annual fee of CHF 50 and the cashback of 0.3%, with nothing on deposit cover, so protection terms are worth confirming with the provider.

Support is offered through a help centre, which covers written guidance and self service questions. Help centres are the most common support route among the cards compared, at 75.6%.

It fits Swiss residents who want one provider for a debit card and a credit card, and who would take a simple cashback earn over points or miles. Cashback rewards make up 49.5% of the reward structures on the site, and 28.7% of cards carry no rewards at all.

The debit card is for everyday purchases, drawing on the account balance, while the credit card takes an annual fee of CHF 50 and earns 0.3% back. Credit cards make up 96.8% of the products compared, so a separate credit card is the common setup.