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Il Nostro Parere su UBS Mastercard Platinum
6 KeyClub points, unlimited lounges, and CHF 1,000,000 medical coverage. Finally, complete UBS benefits.
The UBS Mastercard Platinum finally delivers the complete package that lower tiers lack: CHF 1,000,000 medical coverage, unlimited Priority Pass lounge entries, 24-hour concierge, and the best KeyClub earning rate. At CHF 500 annually, it's expensive, but it's the first UBS card that includes everything expected at premium tier. Also available on the other network: UBS Visa Platinum Card.
Is CHF 500 Worth It?
For committed UBS customers who travel, potentially yes. CHF 1,000,000 medical coverage would cost CHF 100-200 standalone. Unlimited Priority Pass lounges save EUR 30+ per visit (heavy travelers could save EUR 300+ annually). 24-hour concierge adds convenience.
6 KeyClub points per CHF 1,000 (triple Standard rate) means CHF 50,000 spending = 300 points. Combined with insurance value and unlimited lounges, the math works for frequent travelers.
What Actually Stands Out
The CHF 1,000,000 medical coverage is luxury-tier protection. Helicopter evacuations, US hospitalizations, serious emergencies: covered. This is the first UBS card with proper travel insurance.
Unlimited Priority Pass entries with no per-visit fees. Use lounges as much as you want. Apple Pay and Google Pay work. 1.75% FX fee. Our lounge access guide compares every Swiss card with lounge perks.
What Most Reviews Miss
No welcome bonus is disappointing at this pricing tier. Many competing platinum cards offer 30,000-50,000 welcome points. UBS charges premium pricing without premium onboarding value.
The 1.75% FX fee is just average for platinum tier. Competitors offer better foreign exchange rates.
The Bottom Line
UBS's first complete card with everything expected at platinum tier. Worth it for committed UBS customers who travel frequently. The insurance and unlimited lounges justify the fee. Compare alternatives in our best luxury credit cards in Switzerland guide. This card is also available on Visa with identical benefits.
Verdict: Finally, full UBS value. The insurance and unlimited lounges make this worth considering for frequent travelers.
PRO
- 6 welcome bonus points
- Travel insurance coverage up to CHF 30,000
- Up to CHF 1,000,000 coverage for medical expenses
- Airport lounge access
- Apple Pay compatible
- Contactless payments for convenient transactions
- Earn 6 KeyClub points per 1000 Swiss francs
- Priority Pass for unlimited airport lounge access
CONTRO
- High annual fee (CHF 500)
- No concierge service
Dettagli della carta
In sintesi
Quota annuale
CHF 500
1° anno
CHF 250
Tasso premi
0.006 punti/CHF
Comm. FX
1.75%
Bonus di benvenuto
6 pts/1000CHF Points
Copertura assicurativa viaggio
CHF 30'000
Commissioni e Costi
Commissioni e Costi
Quota annuale primo anno
CHF 250
Quota annuale (dopo il primo anno)
CHF 500
Commissione valuta estera
1.75%
Prelievo Contanti (Nazionale)
4% (min CHF 10)
Prelievo Contanti (Internazionale)
5.75% (min CHF 10)
Commissione Ritardo Pagamento
CHF 0
Carte aggiuntive
-
Programma Premi
Programma Premi
Tipo di premi
Points
Tasso premi base
0.006 / CHF
Bonus di benvenuto
6 pts/1000CHF Points
Assicurazione e Protezione
Assicurazione e Protezione
Copertura assicurativa viaggio
CHF 30'000
Copertura assicurativa medica
CHF 1'000'000
Protezione degli acquisti
CHF 3'500
Caratteristiche della Carta
Caratteristiche della Carta
Circuito della Carta
Mastercard
Tipo di Carta
Platinum
Valuta
CHF, USD, EUR
Requisito di reddito minimo
Nessun requisito di reddito
Limite di spesa mensile
CHF 20'000
Accesso alle lounge aeroportuali
Accesso alle lounge aeroportuali disponibile
Servizio di concierge
Caratteristiche Principali
- Earn 6 KeyClub points per 1000 Swiss francs
- Priority Pass for unlimited airport lounge access
- Travel Protection Plus with coverage up to 1,000,000 Swiss francs
- Concierge service with no additional booking fees
- Multiple mobile payment options
Calcola se questa carta ne vale la pena per te
= CHF 30'000/year
Paghi
CHF 500
all'anno
Ricevi
CHF 536
valore stimato
In sintesi
+CHF 36
in tasca
Calcolo annuale:
CHF 30'000/yr × 0.006 points/CHF × 1 CHF
6 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
- Is there really no late-payment fee on the UBS Mastercard Platinum?
- Correct: late_fee = CHF 0. Most premium and luxury Swiss cards charge CHF 17 to CHF 30 for a missed statement. UBS waives that at the Platinum tier. Interest still accrues if you carry a balance, but you don't face a separate penalty fee on top. Useful if your bookkeeping is occasionally slow.
- Are additional cards really unlimited and free at Platinum?
- Yes. Unlimited free supplementary cards, and the partner network card (the matching UBS Visa Platinum) is included in the package at no extra cost. So your wallet can carry the Mastercard Platinum, a Visa Platinum, plus family or partner supplementaries, all bundled under one annual fee.
- How much can I charge on the card in a single cycle?
- CHF 20,000 per month. Double the UBS Gold's CHF 10,000 ceiling and the highest cap UBS publishes outside of corporate cards. Useful if you charge insurance premiums, school fees, or a single luxury purchase in one billing cycle. Few Swiss premium cards stretch this high without a manual increase.
Come abbiamo valutato questa carta
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