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Our Take on 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.
PROS
- 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
CONS
- High annual fee (CHF 500)
- No concierge service
Card Details
At a Glance
Annual fee
CHF 500
1st Year
CHF 250
Rewards rate
0.006 points/CHF
FX Fee
1.75%
Welcome bonus
6 pts/1000CHF Points
Travel insurance coverage
CHF 30'000
Fees & Costs
Fees & Costs
First year annual fee
CHF 250
Annual fee (after first year)
CHF 500
Foreign exchange fee
1.75%
Cash Withdrawal (Domestic)
4% (min CHF 10)
Cash Withdrawal (International)
5.75% (min CHF 10)
Late Payment Fee
CHF 0
Additional Cards
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Rewards Program
Rewards Program
Rewards type
Points
Base rewards rate
0.006 / CHF
Welcome bonus
6 pts/1000CHF Points
Insurance & Protection
Insurance & Protection
Travel insurance coverage
CHF 30'000
Medical insurance coverage
CHF 1'000'000
Purchase protection
CHF 3'500
Card Features
Card Features
Card Network
Mastercard
Card Type
Platinum
Currency
CHF, USD, EUR
Minimum income requirement
No income requirement
Monthly spending limit
CHF 20'000
Airport lounge access
Airport lounge access available
Concierge service
Key Features
- 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
Calculate If This Card Is Worth It for You
= CHF 30'000/year
You Pay
CHF 500
per year
You Get Back
CHF 536
estimated value
Bottom Line
+CHF 36
in your pocket
Annual calculation:
CHF 30'000/yr × 0.006 points/CHF × 1 CHF
6 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
- 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.
How We Rated This Card
Wondering why UBS Mastercard Platinum got its score? We rate Luxury 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 Mastercard Platinum today and start enjoying its benefits.