UBS Visa Card Classic
UBS
Overall Rating
Annual fee
CHF 100
1st year: CHF 50
Network
Visa
Rewards Type
Points
Welcome bonus
2 pts/1000CHF Points
Also good for
Our Take on UBS Visa Card Classic
Two networks for one fee. UBS's dual-card set bundles Visa and Mastercard at CHF 100.
The UBS Visa Card Classic earns 2 KeyClub points per CHF 1,000 spent at CHF 100 annually (first year CHF 50). Its standout feature is the dual-card set option: pair it with UBS Mastercard Standard for a single annual fee, giving you both Visa and Mastercard with consolidated KeyClub earning. The rewards and pricing match the Mastercard Standard exactly. See also the UBS Mastercard Standard.
The Dual-Card Advantage
One CHF 100 fee covers both a Visa and a Mastercard. You get full network flexibility without paying twice. Some merchants or countries favor one network over the other, and having both eliminates that concern.
KeyClub points pool across both cards automatically. There's no split tracking or separate balances. For UBS customers who travel or shop internationally, the dual-card set removes any network guesswork.
KeyClub Earning at Entry Level
2 KeyClub points per CHF 1,000 is the starting rung of UBS rewards. On CHF 30,000 annual spending, you earn 60 points. These combine with earnings from UBS banking products, mortgages, and higher-tier cards.
Apple Pay and Google Pay work on both cards. 1.75% FX fee applies. Additional cards cost CHF 25. The value lives in ecosystem consolidation, not best-in-class earning rates.
What's Not Included
No travel insurance at classic tier. If you fly internationally, you need separate coverage or should consider the Gold upgrade. This card is purely for earning and payments, not protection.
The earning rate trails competitors. Cantonal bank cards and cashback products return more value per franc spent. The draw here is UBS integration, not optimal returns per transaction.
The Bottom Line
The dual-card set is the real selling point: two networks, one fee, shared KeyClub pool. Individually, the Visa matches UBS Mastercard Standard exactly. Compare alternatives in our best credit cards in Switzerland guide.
Verdict: Worth considering for the dual-card set. If you only need one network, the Mastercard Standard is equivalent.
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/1000CHF 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/1000CHF 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
Visa
Card Type
Standard
Currency
CHF, EUR
Dual Network
visa + mastercard
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
- Contactless payments for convenient transactions
- No income requirement
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
- Is the UBS Visa Card Classic a separate card from the UBS Mastercard Standard?
- No. UBS sells them as a paired set: the Classic package includes both the Visa Card Classic and the Mastercard Standard for one annual fee. You don't pick one or the other; you carry both in your wallet. Each additional card beyond the bundled pair (a partner card, say) costs CHF 25 per year.
- What does a third card cost beyond the bundled pair?
- CHF 25 a year per additional card. The Visa+Mastercard pair is already included in the Classic annual fee, but adding a family member's card pushes you to CHF 25 each. Compared to the Gold tier's CHF 50 per extra, this stays modest. The cap is two extras on top of the bundled pair.
How We Rated This Card
Wondering why UBS Visa Card Classic 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 Visa Card Classic today and start enjoying its benefits.