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.

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.

Verdict: Basic UBS rewards entry. Consider Gold for better earning and insurance if you can justify the fee.