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.

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.