UBS key4 Mastercard Premium
UBS
Overall Rating
Annual fee
CHF 300
1st year: CHF 150
Network
Mastercard
Rewards Type
Points
Welcome bonus
4 pts/1000CHF Points
Also good for
Our Take on 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.
PROS
- 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
CONS
- High annual fee (CHF 300)
- No travel insurance
- No medical coverage
- No concierge service
Card Details
At a Glance
Annual fee
CHF 300
1st Year
CHF 150
Rewards rate
0.004 points/CHF
FX Fee
0.84%
Welcome bonus
4 pts/1000CHF Points
Fees & Costs
Fees & Costs
First year annual fee
CHF 150
Annual fee (after first year)
CHF 300
Foreign exchange fee
0.84%
Cash Withdrawal (Domestic)
4% (min CHF 10)
Cash Withdrawal (International)
4% (min CHF 10)
Late Payment Fee
CHF 30
Additional Cards
CHF 75/card/year
Rewards Program
Rewards Program
Rewards type
Points
Base rewards rate
0.004 / CHF
Welcome bonus
4 pts/1000CHF Points
Insurance & Protection
Insurance & Protection
Travel insurance coverage
No travel insurance
Medical insurance coverage
No medical coverage
Purchase protection
No purchase protection
Card Features
Card Features
Card Network
Mastercard
Card Type
Gold
Currency
CHF
Minimum income requirement
No income requirement
Monthly spending limit
CHF 10'000
Airport lounge access
Airport lounge access available
Concierge service
Key Features
- 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%
Calculate If This Card Is Worth It for You
= CHF 30'000/year
You Pay
CHF 300
per year
You Get Back
CHF 194
estimated value
Bottom Line
CHF -106
extra cost for perks
Annual calculation:
CHF 30'000/yr × 0.004 points/CHF × 1 CHF
4 points × 1 CHF
Move the slider to see how your spending affects the card's value. Miles: 1.5 ct, points: 1 ct (UBS points: 1 CHF).
Rating by Category
Compare to Other Cards
Frequently Asked Questions
- Why is the supplementary card more expensive than on other UBS premium cards?
- The key4 Premium charges CHF 75 per supplementary card per year, the steepest published fee across UBS's lineup and well above the premium-segment average around CHF 55. No free allotment included. If you want family cards in the program, the traditional UBS Gold (CHF 50 each, with two networks bundled in the main fee) is the cheaper route.
- Does the Premium tier also use the 4% international cash-withdrawal fee?
- Yes. 4.00% on intl cash withdrawals with a CHF 10 minimum, same as the key4 Standard. That's still the lowest rate in this comparison set and well below the 5.68% premium-segment average. The key4 line keeps currency-related fees compressed across both tiers, which is the whole point of the product.
How We Rated This Card
Wondering why UBS key4 Mastercard Premium got its score? We rate Premium cards using a weighted formula. Here's what counts:
Same formula for every card in this category. No exceptions.
See our full rating methodologyReady to Apply?
Apply for the UBS key4 Mastercard Premium today and start enjoying its benefits.