UBS Visa Card Gold
UBS
Overall Rating
Annual fee
CHF 200
1st year: CHF 100
Network
Visa
Rewards Type
Points
Welcome bonus
4 pts/1000CHF Points
Also good for
Our Take on UBS Visa Card Gold
4 KeyClub points and Priority Pass, but zero medical coverage. A gold card with a notable gap.
The UBS Visa Card Gold delivers doubled rewards and lounge access at CHF 200 annually. You earn 4 KeyClub points per CHF 1,000, get Standard Priority Pass (EUR 30/visit), and can opt for the dual-card set with UBS World Mastercard Gold. The terms match the Mastercard version exactly. But the headline story remains what's missing: travel insurance. See also the UBS World Mastercard Gold.
What CHF 200 Gets You
4 KeyClub points per CHF 1,000 doubles the Classic tier's earning rate. CHF 50,000 annual spending nets you 200 KeyClub points. Combined with points from UBS banking products, the accumulation becomes meaningful for loyal customers.
Priority Pass at EUR 30 per visit opens 1,400+ lounges globally. That's a genuine travel perk. The dual-card set (Visa + Mastercard) for one fee adds network flexibility. But here's the gap: no medical coverage, no trip cancellation, no flight delay insurance.
The Insurance Problem
Most Swiss gold cards at CHF 200 include CHF 250,000+ in medical coverage. ZKB, Raiffeisen, and cantonal banks all bundle insurance with similar pricing. UBS skips it entirely at gold tier.
This matters. If you get hospitalized abroad, there's no card-provided safety net. You need separate travel insurance or an employer policy. For a card marketed as "Gold," the omission stands out. Check our credit card insurance guide for gold cards that include coverage.
When This Card Makes Sense
You're a UBS customer with existing travel insurance, you want better KeyClub earning than Classic, and you use airport lounges occasionally. In that specific scenario, the CHF 200 delivers real value through points and lounge access.
The dual-card set is also compelling: get both Visa and Mastercard Gold for one annual fee. That's genuine flexibility most banks charge double for.
The Bottom Line
Stronger rewards and lounge access than Classic, but the missing insurance limits appeal compared to other gold cards. If you have coverage elsewhere, it's a solid UBS loyalty card. Our best premium credit cards in Switzerland guide shows what full gold packages look like.
Verdict: Suitable for insured UBS customers who want better earning. For complete gold benefits, look at UBS Platinum or cantonal bank alternatives.
PROS
- 4 welcome bonus points
- Airport lounge access
- Apple Pay compatible
- Contactless payments for convenient transactions
- Earn 4 KeyClub points per 1000 Swiss francs
- Discounted Priority Pass for airport lounges
- Access to various digital wallets including Samsung Pay and Apple Pay
CONS
- High annual fee (CHF 200)
- No travel insurance
- No medical coverage
- No concierge service
Card Details
At a Glance
Annual fee
CHF 200
1st Year
CHF 100
Rewards rate
4 points/CHF
FX Fee
1.75%
Welcome bonus
4 pts/1000CHF Points
Fees & Costs
Fees & Costs
First year annual fee
CHF 100
Annual fee (after first year)
CHF 200
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 50/card/year
Rewards Program
Rewards Program
Rewards type
Points
Base rewards rate
4 / CHF
Welcome bonus
4 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
Gold
Currency
CHF, USD, EUR
Dual Network
visa + mastercard
Minimum income requirement
No income requirement
Monthly spending limit
CHF 10'000
Airport lounge access
Airport lounge access available
Concierge service
Key Features
- Earn 4 KeyClub points per 1000 Swiss francs
- Discounted Priority Pass for airport lounges
- Access to various digital wallets including Samsung Pay and Apple Pay
- Comprehensive insurance coverage with 11 types included
- No income requirement
Calculate If This Card Is Worth It for You
= CHF 30'000/year
You Pay
CHF 200
per year
You Get Back
CHF 120'074
estimated value
Bottom Line
+CHF 119'874
in your pocket
Annual calculation:
CHF 30'000/yr × 4 points/CHF × 1 CHF
4 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
- Do I have to choose between the UBS Visa Card Gold and the World Mastercard Gold?
- No. The Gold package bundles both networks under one annual fee, so you carry the Visa Card Gold and the World Mastercard Gold as a pair. There's no need to pick. The supplementary card mechanic kicks in only when you add a third card (CHF 50 a year per additional, up to two).
- Why does the Gold tier supplementary cost more than the Classic?
- The Gold doubles the per-additional-card fee to CHF 50 a year, vs CHF 25 on the Classic. The bundled pair (Visa Gold + Mastercard Gold) is still included in the Gold annual fee, so the higher cost only applies when you add a third or fourth card. Households with multiple cardholders feel that difference at renewal.
How We Rated This Card
Wondering why UBS Visa Card Gold got its score? We rate Premium 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 Gold today and start enjoying its benefits.