UBS Mastercard Standard
UBS
Overall Rating
Annual fee
CHF 100
1st year: CHF 50
Network
Mastercard
Rewards Type
Points
Welcome bonus
2 pts/2CHF Points
Also good for
Our Take on UBS Mastercard Standard
2 KeyClub points per CHF 1,000. UBS's entry-level rewards card.
The UBS Mastercard Standard offers modest KeyClub earning at CHF 100 annually (first year CHF 50). For UBS customers wanting to start building KeyClub points without premium pricing. The earning rate is low, but points accumulate across all UBS products and redeem for travel, merchandise, and more. Also available on the other network: UBS Visa Card Classic.
Is CHF 100 Worth It?
The math is marginal. 2 KeyClub points per CHF 1,000 spent is a low earning rate. CHF 20,000 annual spending = 40 KeyClub points. The redemption value depends on how you use them, but this is entry-level earning.
First year at CHF 50 makes it easier to try. If you're already in the UBS ecosystem and want to consolidate points earning, it serves that purpose.
What Actually Stands Out
The KeyClub integration is the differentiator for UBS customers. Points from this card combine with KeyClub earnings from other UBS products. If you have UBS banking, mortgages, or other cards, the consolidated earning adds up.
Apple Pay and Google Pay work. 1.75% FX fee is average. Additional cards cost CHF 25.
What Most Reviews Miss
No travel insurance at this tier. If you travel, you need separate coverage or upgrade to Gold/Platinum. This is purely a rewards card, not a protection card.
The earning rate is low compared to competitors. Cantonal bank cards earn more. Cashback cards like Certo One offer better returns. The value is UBS integration, not optimal earning.
The Bottom Line
Entry-level KeyClub earning for UBS customers. Better rates available at higher tiers, but this starts the points accumulation. Compare alternatives in our best credit cards in Switzerland guide. This card is also available on Visa (Visa Card Classic) with identical benefits, or as a dual-card set.
Verdict: Basic UBS rewards entry. Consider Gold for better earning and insurance if you can justify the fee.
PROS
- 2 welcome bonus points
- Apple Pay compatible
- Contactless payments for convenient transactions
- Earn 2 KeyClub points per 1000 Swiss francs
- Multiple mobile payment options (Samsung Pay, Apple Pay, Google Pay, Garmin Pay)
- 24-hour customer service support
CONS
- No travel insurance
- No medical coverage
- No airport lounge access
- No concierge service
Card Details
At a Glance
Annual fee
CHF 100
1st Year
CHF 50
Rewards rate
2 points/CHF
FX Fee
1.75%
Welcome bonus
2 pts/2CHF Points
Fees & Costs
Fees & Costs
First year annual fee
CHF 50
Annual fee (after first year)
CHF 100
Foreign exchange fee
1.75%
Cash Withdrawal (Domestic)
4% (min CHF 10)
Cash Withdrawal (International)
5.75% (min CHF 10)
Late Payment Fee
CHF 30
Additional Cards
CHF 25/card/year
Rewards Program
Rewards Program
Rewards type
Points
Base rewards rate
2 / CHF
Welcome bonus
2 pts/2CHF 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
Standard
Currency
CHF
Dual Network
mastercard + visa
Minimum income requirement
No income requirement
Monthly spending limit
CHF 5'000
Airport lounge access
Concierge service
Key Features
- Earn 2 KeyClub points per 1000 Swiss francs
- Multiple mobile payment options (Samsung Pay, Apple Pay, Google Pay, Garmin Pay)
- 24-hour customer service support
- No income requirement
- Entry-level card tier with a moderate annual fee of CHF 100.
Calculate If This Card Is Worth It for You
= CHF 30'000/year
You Pay
CHF 100
per year
You Get Back
CHF 60'002
estimated value
Bottom Line
+CHF 59'902
in your pocket
Annual calculation:
CHF 30'000/yr × 2 points/CHF × 1 CHF
2 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
- How does the Standard set already includes 2 cards actually work at UBS?
- UBS bundles two cards in the Standard package: signing up for the Mastercard Standard also delivers the matching UBS Visa Card Classic, both covered by the single annual fee. Each additional card beyond that pair costs CHF 25 a year. The cap is two extras on top of the bundled pair, useful for a partner and one family member.
- How big a charge will the monthly limit handle?
- The cycle cap is CHF 5,000 per month. Modest for daily use. If you front a holiday booking, an annual insurance premium, or a big-ticket purchase in one go, you may run into the ceiling in a single cycle. The limit resets at the start of each new billing period.
- What's the late-payment fee if I miss a statement?
- CHF 30 per missed statement, on top of any interest. Higher than the cashback-segment average around CHF 22. ZKB and Viseca stay at CHF 20 in the same segment. Most issuers nudge you by email first; set up direct debit and forget about it.
How We Rated This Card
Wondering why UBS Mastercard Standard got its score? We rate Cashback 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 Standard today and start enjoying its benefits.