Également bon pour
Notre Avis sur 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.
AVANTAGES
- 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
INCONVÉNIENTS
- High annual fee (CHF 200)
- No travel insurance
- No medical coverage
- No concierge service
Détails de la carte
En un coup d'œil
Frais annuels
CHF 200
1ère année
CHF 100
Taux de récompense
4 points/CHF
Frais FX
1.75%
Bonus de bienvenue
4 pts/1000CHF Points
Frais & Coûts
Frais & Coûts
Frais annuels la première année
CHF 100
Frais annuels (après la première année)
CHF 200
Frais de change
1.75%
Retrait d'Espèces (National)
4% (min CHF 10)
Retrait d'Espèces (International)
5.75% (min CHF 10)
Frais de Retard
CHF 30
Cartes supplémentaires
CHF 50/carte/an
Programme de Récompenses
Programme de Récompenses
Type de récompense
Points
Taux de récompense de base
4 / CHF
Bonus de bienvenue
4 pts/1000CHF Points
Assurance & Protection
Assurance & Protection
Couverture d'assurance voyage
Pas d'assurance voyage
Couverture d'assurance médicale
Pas de couverture médicale
Protection des achats
Pas de protection des achats
Caractéristiques de la Carte
Caractéristiques de la Carte
Réseau de la Carte
Visa
Type de Carte
Gold
Devise
CHF, USD, EUR
Double Réseau
visa + mastercard
Revenu minimum requis
Aucune exigence de revenu
Limite de dépenses mensuelles
CHF 10'000
Accès aux salons d'aéroport
Accès aux salons d'aéroport disponible
Service de conciergerie
Caractéristiques Principales
- 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
Calculez si cette carte en vaut la peine pour vous
= CHF 30'000/year
Vous payez
CHF 200
par an
Vous recevez
CHF 120'074
valeur estimée
Bilan
+CHF 119'874
dans votre poche
Calcul annuel :
CHF 30'000/yr × 4 points/CHF × 1 CHF
4 points × 1 CHF
Déplacez le curseur pour voir la valeur. Miles: 1,5 ct, points: 1 ct (points UBS: 1 CHF).
Note par Catégorie
Comparer avec d'autres cartes
Questions fréquemment posées
- 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.
Comment nous avons noté cette carte
Vous vous demandez pourquoi UBS Visa Card Gold a obtenu ce score ? On note les cartes Premium avec une formule pondérée. Voici ce qui compte :
Même formule pour toutes les cartes de cette catégorie. Sans exception.
Voir notre méthodologie complètePrêt à Faire une Demande?
Faites votre demande pour la UBS Visa Card Gold aujourd'hui et profitez de ses avantages.