How to use visa cashback on all bills

In certain bigger Post offices they have machines where you can scan the orange bills. There you can pay by Credit Card. I do that with all my bills (rent, health insurance, …) and alyways get the cashback from my CC.

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Now I am interested. How it is called?

Sorry, to my surprise I couldn’t find anything in English from a Post website, but this article here mentions it and in the picture you can see the machine:
Die grösste Aarauer Postfiliale wird mit Automaten aufgemöbelt

Also, what I just found out, you can also pay QR-bills up to 500.- at SBB machines:
Pay your bills quickly and at any time at SBB’s ticketing machines

But the fee is rather high for this

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The AZ article says

“Die Zahlungen können mit der PostFinance Card oder einer Debitkarte anderer Anbieter (Maestro und V PAY) getätigt werden.”

Are you sure, you are paying with Credit card?

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This app allows to scan invoices and pay with CC, however the 2.5% service fee usually ruins the cashback point.

Did that once for fun. You lose 1.5 % but it’s not that much for a payday loan…

On a more serious note, assuming a Cashback of 0.25 %, you’d get 2.5 CHF on every 1000 paid. I am not sure this is a good use of your time.

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Found these machines. Didn’t try to pay, but a description says you can use debit cards such as Visa or Mastercard.

There is still a tiny Cashback for paying e.g. with Yuh debit card, if anyone wants to try.

Is there any fee for it?

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I didn’t use them, but I expect no fees.

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I mean… if there are no fees, even at a 1% cashback, paying for rent, health insurance and whatnot might be worth it :slight_smile:

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Do you have a debit card that gives you Cashback for using it? OK, crypto.com one maybe.

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And especially:

Pay the Visa bill with the MasterCard and vice versa!!!

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Haha that’s a nice way to accumulate an increasing amount of debt.

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I do have a crypto.com visa card with 3% cashback, but never tried the post machines…also a bit out of hand for me. I am also investigating increasing my cashback to 5%, so i can get 2.5% for bills and rent with the swisspay app. A full review here: Crypto.com VISA card review

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What happens after 6 months pass? Can you withdraw the 3500 EUR you staked and continue using the card with its perks (Netflix, etc), or do you need to stake more money?

You have the perks as long as the money is staked

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I think this thread wasn’t about crypto.com, consider checking this thread instead: Crypto.com cash/cryptoback credit card

tl;dr if you unstake you lose the perks, if you don’t unstake you keep them indefinitely. Ideally you unstake if your 3500 EUR gained value to sell the profit.

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what if the value of their currency goes down? besides being annoyed, do you need to put more money in?

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If you dont stake anymore, you still have some cashback. For example, for me from 3% goes to 1.5%. Also airport lounge is there, but you wont get Spotify and Netflix. You can check on their page, they have a checkbox to compare.

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So having the Crypto.com card, the only one would be to pay through this swisspay which however has 2.5% fees and with 3% cashback from CDC the benefits are minimal (maybe you lose even a minimum with the change) .

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