UBS Visa Card Gold

Identical to UBS Mastercard Gold. Same 4 KeyClub points, same lounge access, same missing insurance. Different network.

The UBS Visa Card Gold mirrors their Mastercard Gold exactly: same CHF 200 fee, same 4 KeyClub points per CHF 1,000, same Priority Pass (EUR 30/visit), same lack of travel insurance. Your network choice is purely about personal preference. The benefits and gaps are identical.

Does Network Choice Actually Matter?

In Switzerland, Visa and Mastercard acceptance is virtually identical. Both work everywhere. The 4 KeyClub points per CHF 1,000 works identically on both. The Priority Pass access (EUR 30/visit) is identical. The lack of travel insurance applies to both.

The dual-card set option is available here too: get both Visa and Mastercard Gold for one CHF 200 fee.

What Actually Stands Out

Everything matches the Mastercard version. CHF 200 annual fee. 4 KeyClub points per CHF 1,000 (double Standard). Priority Pass at EUR 30/visit. 1.75% FX fee. No travel insurance.

Apple Pay and Google Pay work. Additional cards cost CHF 50. The dual-card set provides complete network flexibility.

What Most Reviews Miss

Both networks share the same insurance gap. Most gold cards include CHF 200,000-300,000 medical coverage. UBS Gold (either network) includes zero. This is a significant limitation at gold tier.

The value is better KeyClub earning and lounges. If you need travel protection, upgrade to Platinum.

The Bottom Line

Same incomplete gold package as UBS Mastercard Gold, on Visa network. Better earning and lounges, but missing insurance. Compare alternatives in our best premium credit cards in Switzerland guide.

Verdict: Same value as Mastercard Gold. Pick Visa if you want network diversity or prefer Visa branding.