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Il Nostro Parere su UBS key4 Mastercard Premium
0.84% FX fee (best in class) plus Priority Pass lounges. The premium key4 upgrade.
The UBS key4 Mastercard Premium adds lounge access to the already-exceptional FX rate. At CHF 300 annually (varies with banking package), you get 0.84% foreign exchange fee, 4 KeyClub points per CHF 1,000 (double Standard), and Priority Pass. For international travelers who also want airport comfort, this combines the best FX with lounges.
Is CHF 300 Worth It?
For international spenders who use lounges, potentially yes. The 0.84% FX fee continues from Standard, saving roughly CHF 75-150 annually on CHF 10,000-20,000 foreign spending versus typical 2% fees. Priority Pass at EUR 30/visit adds airport comfort.
4 KeyClub points per CHF 1,000 (double Standard) accelerates earning. The premium over Standard (CHF 300 vs CHF 150) buys you lounges and better earning. Heavy international travelers extract meaningful value.
What Actually Stands Out
The 0.84% FX fee is best-in-class and continues from the Standard tier. Combined with lounge access, you get both FX savings AND travel comfort. Few cards offer both benefits together.
Apple Pay and Google Pay work. Additional cards cost CHF 75. The pricing may vary based on your UBS banking package. For a full breakdown of Priority Pass and LoungeKey cards, see our lounge access guide.
What Most Reviews Miss
Still no travel insurance. The key4 line prioritizes FX rates over protection. If you need medical coverage, you need separate insurance or a different card. The lounges help with comfort, not health emergencies.
Priority Pass isn't unlimited. EUR 30 per visit adds up for heavy travelers. Cards with unlimited access exist at similar pricing.
The Bottom Line
The premium upgrade to an already-excellent FX card. Worth it for international travelers who value both low FX fees AND lounge access. Compare alternatives in our best premium credit cards in Switzerland guide.
Verdict: Excellent for international travelers who want lounges. The 0.84% FX + Priority Pass combination is compelling.
PRO
- Low foreign exchange fee of 0.84%
- 4 welcome bonus points
- Airport lounge access
- Apple Pay compatible
- Contactless payments for convenient transactions
- Earn 4 KeyClub points per 1000 Swiss francs
- No or lower annual fees based on UBS banking package
- Standard Priority Pass membership
CONTRO
- High annual fee (CHF 300)
- No travel insurance
- No medical coverage
- No concierge service
Dettagli della carta
In sintesi
Quota annuale
CHF 300
1° anno
CHF 150
Tasso premi
0.004 punti/CHF
Comm. FX
0.84%
Bonus di benvenuto
4 pts/1000CHF Points
Commissioni e Costi
Commissioni e Costi
Quota annuale primo anno
CHF 150
Quota annuale (dopo il primo anno)
CHF 300
Commissione valuta estera
0.84%
Prelievo Contanti (Nazionale)
4% (min CHF 10)
Prelievo Contanti (Internazionale)
4% (min CHF 10)
Commissione Ritardo Pagamento
CHF 30
Carte aggiuntive
CHF 75/carta/anno
Programma Premi
Programma Premi
Tipo di premi
Points
Tasso premi base
0.004 / CHF
Bonus di benvenuto
4 pts/1000CHF Points
Assicurazione e Protezione
Assicurazione e Protezione
Copertura assicurativa viaggio
Nessuna assicurazione viaggio
Copertura assicurativa medica
Nessuna copertura medica
Protezione degli acquisti
Nessuna protezione acquisti
Caratteristiche della Carta
Caratteristiche della Carta
Circuito della Carta
Mastercard
Tipo di Carta
Gold
Valuta
CHF
Requisito di reddito minimo
Nessun requisito di reddito
Limite di spesa mensile
CHF 10,000
Accesso alle lounge aeroportuali
Accesso alle lounge aeroportuali disponibile
Servizio di concierge
Caratteristiche Principali
- Earn 4 KeyClub points per 1000 Swiss francs
- No or lower annual fees based on UBS banking package
- Standard Priority Pass membership
- Multiple mobile payment options (Samsung Pay, Apple Pay, Google Pay, Garmin Pay)
- More favorable exchange rate: More favorable exchange rate: Mastercard rate + 0.5%
Calcola se questa carta ne vale la pena per te
= CHF 30’000/year
Paghi
CHF 300
all'anno
Ricevi
CHF 194
valore stimato
In sintesi
CHF -106
costo extra
Calcolo annuale:
CHF 30’000/yr × 0.004 points/CHF × 1 CHF
4 points × 1 CHF
Sposta il cursore per vedere il valore. Miles: 1,5 ct, punti: 1 ct (punti UBS: 1 CHF).
Valutazione per Categoria
Confronta con altre carte
Domande frequenti
- What is the annual fee for the UBS key4 Mastercard Premium?
- The UBS key4 Mastercard Premium has a promotional first year fee of CHF 150, then CHF 300 per year afterwards.
- What are the foreign transaction fees for the UBS key4 Mastercard Premium?
- The UBS key4 Mastercard Premium charges a 0.84% foreign exchange fee on international transactions.
- What rewards does the UBS key4 Mastercard Premium offer?
- The UBS key4 Mastercard Premium offers points rewards at a base rate of 0.004 per CHF spent.
- Does the UBS key4 Mastercard Premium include airport lounge access?
- Yes, the UBS key4 Mastercard Premium includes airport lounge access through Priority Pass or partner programs.
- Is the UBS key4 Mastercard Premium compatible with Apple Pay?
- Yes, the UBS key4 Mastercard Premium is fully compatible with Apple Pay for contactless mobile payments.
Come abbiamo valutato questa carta
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