UBS Basic Card Visa

Identical to UBS Basic Mastercard. Same conditional free, same no-rewards. Different network.

The UBS Basic Card Visa mirrors their Basic Mastercard exactly: free with 24 annual purchases, CHF 20 otherwise, no rewards, no insurance. Your network choice is purely about personal preference. The deliberately limited value proposition is identical.

Does Network Choice Actually Matter?

In Switzerland, Visa and Mastercard acceptance is virtually identical. Both work everywhere. Since neither card offers rewards or insurance, the network choice has zero impact on value. Both cards are free with 24 purchases, CHF 20 otherwise.

Pick based on which network you don't already have. The decision genuinely doesn't matter for these basic cards.

What Actually Stands Out

Everything matches the Mastercard version. CHF 20 annual fee waived with 24 purchases. First year free. No income requirement. CHF 4,000 spending limit. No rewards. No insurance. 2% FX fee.

Apple Pay and Google Pay work. The same no-contactless limitation applies to the physical card.

What Most Reviews Miss

The products are interchangeable. UBS offers both networks purely for customer preference. Neither Visa nor Mastercard offers better benefits. The meaningful decision is whether UBS Basic makes sense for your needs, not which network to choose.

The value is UBS banking integration for active users. That's it.

The Bottom Line

Same basic card as UBS Basic Mastercard, on Visa network. Same conditional free structure, same limitations. Compare alternatives in our best credit cards in Switzerland guide.

Verdict: Same limited value. Pick Visa if you want network diversity or prefer Visa branding.