Now, many French people prefer to use their credit card rather than cash. With this card, which is linked to your bank account, you can access your money both in France and abroad. Whether for in-store or online purchases, for regular withdrawals or payments, the bank card allows you to make secure transactions.
Am I to the Bank ? Then you have access to several types of bank cards. Each card offers its own benefits in terms of assistance, insurance, and withdrawal and payment ceilings. We will explore them in detail in this article.
The various bank cards of the Bank Postale
Discover the various bank card choices of La Banque Postale, each adapted to specific needs.
Visa Infinite card: Luxury and exclusive
The Visa Infinite card offers high withdrawal and payment ceilings, 24-hour concierge service, and membership in the Visa Infinite club. This card, valid in France and abroad, offers many withdrawal and payment opportunities. Its holders benefit from concierge service as well as the privileges of the Visa Infinite Club, such as special evenings and discounted rates.
The ceilings on the map are impressive: up to 5 000€ for withdrawals over a period of seven days and up to 20 000€ for payments over 30 days. As regards the annual fees, they are 320€ in delayed and immediate flow.
Platinum Visa Card : Personalized service
This card can be used internationally and offers high ceilings and assistance services available six days a week. The Visa Platinum card allows for exceptional withdrawals and payments, both in France and abroad. Its holders benefit from a personal assistance service from 9am to 9pm, Monday to Saturday.
The ceilings for this map are as follows: 3 000€ for withdrawals over a period of seven days and up to 12 000€ for payments over 30 days. In addition, Assistance and insurance guarantees include coverage for car rental, travel cancellation, and health repatriation. The annual contribution for this card is 192€.
Visa First Card: Extended Guarantees
The Visa Premier card offers high ceilings, discounts at prestigious brands, and a 24-hour support service. This card can be used both in France and abroad for purchases and offers many guarantees. Its benefits include discounts on shopping, travel, and leisure signs.
The Visa Premier card limits are as follows: 1 500€ for withdrawals over seven days and up to 8 000€ for payments over 30 days. The online support service is available 24 hours a day. Annual rates: 127 euros.
Standard and prepaid credit cards
Discover the Visa Classic and prepaid cards available for all La Banque Postale customers.
Visa Classic card: Simplicity and efficiency
The Visa Classic card offers international withdrawal and payment capacity, with comfortable ceilings and insurance and assistance services. With this card you can make withdrawals and payments in France and abroad. Visa Classic holders benefit from the deferred levy to better manage their finances and services such as the Blue and Western Union virtual card.
The ceilings are: up to 1 000€ for withdrawals over seven working days and up to 3 000€ for payments over 30 days.
Reanalytical Map: Mastery and security
This card with systematic authorization offers 3D-Secure and e-Card Blue service for secure payments online, ideal to avoid overdrafts. The Reanalytical card checks the balance after each transaction to avoid overruns. A real asset for people who closely monitor their budgets.
In addition to its systematic authorization, it offers services such as 3D Secure for online shopping security and the Blue Card for online payments without disclosing the card number. The ceilings are: up to EUR 800 for withdrawals over seven working days and up to 300 euros for seven-day payments.
Prepaid cards: Practice and Expenditure Control
Prepaid cards include the Protected Majors Card, the Regliss Card for young people, and the Post Bank prepaid card for holiday budgets and online shopping. The Regliss Card, intended for young people aged 12 to 17, is subscribed by their legal guardian and can be loaded up to 1500€.
The Protectys Card, designed for persons under guardianship or strong judicial protection, has a ceiling of 1 500€. The prepaid gift card of La Banque Postale, usable over a period of one year, can be charged with a sum between 40 and 799€.
Comparison tables of bank cards
Here is a comparative table of withdrawal and payment limits, annual fees, and associated services for the various bank cards of La Banque Postale.
Summary of ceilings and annual fees
Summary table of withdrawal and payment ceilings, annual fees, and associated services.
| Map | Withdrawal ceiling | Payment ceiling | Annual fee |
|---|---|---|---|
| Infinite Visa | 5 000€ | 20 000€ | 320€ |
| Platinum Visa | 3 000€ | 12 000€ | 192€ |
| Visa First | 1 500€ | 8 000€ | 127€ |
| Visa Classic | 1 000€ | 3 000€ | – |
| Review | 800€ | 300€ | – |
| Regliss | – | 1 500€ | – |
| Protectys | – | 1 500€ | – |
Summary table of guarantees and services
This table compares insurance and assistance guarantees, concierge services, credit options and payment security.
To choose a map tailored to your needs, discover our complete guide on Current account La Poste : understand everything to choose and open your account.
| Map | Insurance guarantees | Assistance Service | Conciergery | Credit options | Secure payments |
|---|---|---|---|---|---|
| Infinite Visa | Yes | 24 hours | Yes | Yes | Yes |
| Platinum Visa | Yes | 6 days/week | Yes | Yes | Yes |
| Visa First | Yes | 24 hours | No | Yes | Yes |
| Visa Classic | Yes | No | No | Yes | Yes |
| Review | No | No | No | No | Yes |
| Regliss | No | No | No | No | No |
| Protectys | No | No | No | No | No |
FAQ: Frequently Asked Questions about Bank Cards at La Banque Postale
Here are answers to the most common questions to help better understand the management and use of bank cards.
Personal Codes and Recovery
Information on recovery of personal credit card codes and solutions in case of blocked or damaged card.
- To recover your personal code, visit the Bank Postale website or contact customer service.
- In case of blocked or damaged card, it is recommended to contact your bank advisor or customer support of the Bank Postale to obtain a new card.
Card Ceilings and Withdrawal Management
All you need to know about the withdrawal and payment ceilings for each card, how to adjust and optimize them.
- To increase the limits of your card, go to your customer area or contact your bank advisor.
- Ceilings may be temporarily increased for specific needs, such as holidays or large purchases.
International use and currency conversion
Tips for using cards abroad, exchange rates applied and tips to avoid extra charges.
- Visa cards from La Banque Postale can be used abroad. Before leaving, it is wise to check the ceilings and fees.
- The Postal Bank's currency conversion tool can be used to know exchange rates before making transactions abroad.
Personalised recommendations and advice
Suggestions for bank cards based on user profile, tips to maximize the benefits of each card.
Premium cards for frequent travellers
Refined for those who often travel (Visa Infinite, Visa Platinum), these cards offer high ceilings, concierge services and extended warranties.
Youth cards and budget management
Perfect for young people and those who want to control their budget (Map Regliss, Realys), these cards help manage pocket money safely.
Optimal use of prepaid cards
Ideal for online shopping, holidays, and daily expenditure management. Prepaid cards offer great convenience for these needs.