You can get a ‘Partnerkarte’ for CHF 20/y, i.e., two credit cards for a total of CHF 70/y. They would presumably share a single credit limit but that’s likely not an issue for your use case.
If this is purely for common household expenses, does it even have to be a credit card? The PostFinance Card (which is now also a Debit Mastercard) may suffice. I don’t see any mention of a ‘Partnerkarte’ option for the PostFinance Card, which seems odd as they advertise the account to be available as ‘Partnerkonto’.
Is the new PostFinance Card supported on Google/Apple Pay? If so, it may be possible to simply add it to both of your phones.
And if you put more than 25,000 CHF worth of assets in e-trading, the smart package 60 CHF per year can be saved. But you have to pay 90 CHF per year for the trading credit. So it only makes sense if you have budget for brokerage account.
For our 2x checking account, we don’t have any card (I forgot to precise it). And for the 50 CHF for each card, I can understand you. Their “excuse” is that it works like a “membership” to visit some museum in Switzerland.
In the future we will maybe change, but it will be hard because their E-Banking is smooth, like UBS. My last bank was the BCV and their mobile app and E-Banking are a joke
I don’t know if it is possible since the card is used as a membership card to have free access to museum and other discount. Moreover, I’m used to pay with my card than to use Twint. However, I will ask Raiffeisen if it would be possible and try to use Twint during this month.
Regarding BCV, you can open a relationship while living in another Canton, you’ll just have to go to a Postoffice once to have them check your identity.
All cantonal banks ATM can be used without fees for withdrawal. The assets can be held through their TradeDirect brokerage, which has moderate fees and allows registration of Swiss shares: TradeDirect / Markets and online trading
Edit: I did it the other way around, first the TradeDirect relationship, then the regular banking one, which then just required a phone call but I guess it would work in a similar fashion if doing it the other way around. The process wasn’t 100% painless and their customer support isn’t the smartest in the industry, but it was only a one time hassle.