Également bon pour
Notre Avis sur UBS Basic Mastercard
Free with 24 purchases annually. UBS's most accessible card, but no rewards.
The UBS Basic Mastercard offers a conditional fee waiver: free if you make 24 purchases yearly (2 per month). Otherwise CHF 0 first year, CHF 20 after. It's UBS's entry-level option for banking customers who want simple credit card functionality without rewards or insurance complexity. Also available on the other network: UBS Basic Card Visa.
Is It Worth Getting?
For UBS customers who'll use it regularly, it's effectively free. CHF 20 annual fee waived with 24 purchases means 2 transactions monthly keeps the cost at zero. First year is free regardless. The barrier is low.
However, no rewards and no insurance means you're getting pure payment functionality. Free cards with 1% cashback exist elsewhere. The value proposition is narrow: UBS integration for active users, nothing more.
What Actually Stands Out
The accessibility is the feature. No income requirement. CHF 4,000 spending limit. For students, young adults, or those building credit, this provides a low-barrier entry to the UBS ecosystem.
Apple Pay and Google Pay work. Integrates with UBS digital banking for unified account management.
What Most Reviews Miss
No contactless NFC on the physical card. Mobile payments work via Apple/Google Pay, but the physical card lacks tap-to-pay. This is unusual in 2024 and can be inconvenient.
The 2% FX fee is average. Free cards with better rewards exist. The only advantage is UBS banking integration. If you're not a UBS customer, there's no reason to consider this.
The Bottom Line
A basic card for UBS customers who'll use it enough to waive the fee. Free cards with rewards exist elsewhere. Only consider if UBS banking integration matters. Compare alternatives in our best credit cards in Switzerland guide. This card is also available on Visa with identical conditions.
Verdict: Fine for UBS customers who'll make 24+ purchases yearly. No compelling reason otherwise.
AVANTAGES
- Apple Pay compatible
- Multiple mobile payment options (Samsung Pay, Apple Pay, Google Pay, Garmin Pay)
- 24-hour customer service support
- Online account access for easy management
INCONVÉNIENTS
- High foreign exchange fee (2%)
- No welcome bonus
- No travel insurance
- No medical coverage
- No airport lounge access
- No concierge service
Détails de la carte
En un coup d'œil
Frais annuels
Gratuit
1ère année
CHF 40
Taux de récompense
-
Frais FX
2%
Frais & Coûts
Frais & Coûts
Frais annuels la première année
CHF 40
Frais annuels (après la première année)
Pas de frais annuels
Frais de change
2%
Retrait d'Espèces (National)
4% (min CHF 10)
Retrait d'Espèces (International)
6% (min CHF 10)
Frais de Retard
CHF 30
Cartes supplémentaires
CHF 20/an (1ère année gratuite)
Programme de Récompenses
Programme de Récompenses
Type de récompense
No rewards
Taux de récompense de base
-
Assurance & Protection
Assurance & Protection
Couverture d'assurance voyage
Pas d'assurance voyage
Couverture d'assurance médicale
Pas de couverture médicale
Protection des achats
Pas de protection des achats
Caractéristiques de la Carte
Caractéristiques de la Carte
Réseau de la Carte
Mastercard
Type de Carte
Standard
Devise
CHF
Revenu minimum requis
Aucune exigence de revenu
Limite de dépenses mensuelles
CHF 4'000
Accès aux salons d'aéroport
Service de conciergerie
Caractéristiques Principales
- Multiple mobile payment options (Samsung Pay, Apple Pay, Google Pay, Garmin Pay)
- 24-hour customer service support
- Online account access for easy management
- SMS service for transaction alerts
- Low annual fee catering to students and entry-level users
Calculez si cette carte en vaut la peine pour vous
= CHF 30'000/year
Vous payez
CHF 0
par an
Vous recevez
CHF 0
valeur estimée
Bilan
+CHF 0
dans votre poche
Calcul annuel :
Déplacez le curseur pour voir la valeur. Miles: 1,5 ct, points: 1 ct (points UBS: 1 CHF).
Note par Catégorie
Comparer avec d'autres cartes
Questions fréquemment posées
- How tight is the monthly cap on the UBS Basic Mastercard?
- CHF 4,000 per month. That's low for a Swiss credit card; even most entry-tier cantonal cards sit at CHF 5,000 or higher. If you ever charge a holiday booking, an annual insurance, or a big one-off purchase, double-check it fits inside the cycle. The cap resets monthly.
- How expensive is taking out cash abroad with this card?
- 6.00% of the amount with a CHF 10 floor. Above the premium-segment average around 5.68%. A CHF 100 withdrawal at a German ATM costs you CHF 10 (the minimum) plus interest from day one. Treat it as a last-resort feature and carry a debit card for travel cash.
- How does the supplementary card fee waiver actually work?
- First year is free, then CHF 20 a year per supplementary card, waived if you log at least 24 purchases on it in a year. Two transactions a month keeps it free. If the second user only pulls the card out for emergencies, the fee kicks back in once the intro year expires.
Comment nous avons noté cette carte
Vous vous demandez pourquoi UBS Basic Mastercard a obtenu ce score ? On note les cartes Premium avec une formule pondérée. Voici ce qui compte :
Même formule pour toutes les cartes de cette catégorie. Sans exception.
Voir notre méthodologie complètePrêt à Faire une Demande?
Faites votre demande pour la UBS Basic Mastercard aujourd'hui et profitez de ses avantages.