Également bon pour
Notre Avis sur UBS Visa Platinum Card
CHF 1,000,000 medical coverage, unlimited lounges, and top KeyClub earning. The complete UBS package on Visa.
The UBS Visa Platinum Card is where UBS finally delivers everything: CHF 1,000,000 medical coverage abroad, unlimited Priority Pass lounge access, 24-hour concierge service, and the highest KeyClub earning rate at 6 points per CHF 1,000. At CHF 500 annually, it matches the UBS Mastercard Platinum in every detail. This is UBS's flagship card, and it's their first that justifies premium pricing. See also the UBS Mastercard Platinum.
Breaking Down the CHF 500 Fee
Start with insurance. CHF 1,000,000 medical coverage abroad would cost CHF 100-200 as a standalone policy. Add CHF 30,000 trip cancellation, CHF 800 flight delay compensation, and the protection value alone approaches the annual fee.
Then layer in unlimited Priority Pass entries (no per-visit fees), saving frequent flyers hundreds annually. A free partner card doubles the household value. The concierge handles bookings and travel logistics 24 hours a day. Unlike lower UBS tiers, every component here pulls its weight.
Why This Tier Changes the UBS Equation
Lower UBS cards have a persistent problem: missing insurance. The Gold tier charges CHF 200 with zero medical coverage. The Standard tier offers modest earning with no protection. Platinum is the first UBS card that competes on benefits, not just brand loyalty.
6 KeyClub points per CHF 1,000 triples the Standard rate. CHF 50,000 annual spending earns 300 points. Combined with unlimited lounge visits and comprehensive protection, this is a genuinely competitive premium card.
Where UBS Still Falls Short
No welcome bonus is the main weakness. Competing platinum cards from Swisscard and Cornercard offer 30,000-50,000 welcome points. UBS gives you nothing upfront despite premium pricing.
The 1.75% FX fee is average for platinum tier. Cards like UBS key4 offer 0.84%. If foreign currency spending is significant, you might pair this with a key4 card for FX savings and use the Platinum for insurance and lounges.
The Bottom Line
UBS's complete premium offering with protection, lounges, and concierge that justify the price. Frequent travelers in the UBS ecosystem will find genuine value here. Compare alternatives in our best luxury credit cards in Switzerland guide.
Verdict: The first UBS card worth its premium fee. Recommended for UBS customers who travel frequently and want comprehensive benefits on Visa.
AVANTAGES
- 6 welcome bonus points
- Travel insurance coverage up to CHF 30,000
- Up to CHF 1,000,000 coverage for medical expenses
- Airport lounge access
- Apple Pay compatible
- Contactless payments for convenient transactions
- Earn 6 KeyClub points per 1000 Swiss francs
- Priority Pass for free access to airport lounges without any additional fees.
INCONVÉNIENTS
- High annual fee (CHF 500)
- No concierge service
Détails de la carte
En un coup d'œil
Frais annuels
CHF 500
1ère année
CHF 250
Taux de récompense
0.006 points/CHF
Frais FX
1.75%
Bonus de bienvenue
6 pts/1000CHF Points
Couverture d'assurance voyage
CHF 30'000
Frais & Coûts
Frais & Coûts
Frais annuels la première année
CHF 250
Frais annuels (après la première année)
CHF 500
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 0
Cartes supplémentaires
-
Programme de Récompenses
Programme de Récompenses
Type de récompense
Points
Taux de récompense de base
0.006 / CHF
Bonus de bienvenue
6 pts/1000CHF Points
Assurance & Protection
Assurance & Protection
Couverture d'assurance voyage
CHF 30'000
Couverture d'assurance médicale
CHF 1'000'000
Protection des achats
CHF 3'500
Caractéristiques de la Carte
Caractéristiques de la Carte
Réseau de la Carte
Visa
Type de Carte
Platinum
Devise
CHF, USD, EUR
Revenu minimum requis
Aucune exigence de revenu
Limite de dépenses mensuelles
CHF 20'000
Accès aux salons d'aéroport
Accès aux salons d'aéroport disponible
Service de conciergerie
Caractéristiques Principales
- Earn 6 KeyClub points per 1000 Swiss francs
- Priority Pass for free access to airport lounges without any additional fees.
- Comprehensive travel insurance covering up to 30000 CHF
- Concierge service with no additional booking fees
- Support for multiple digital payment platforms like Apple Pay and Google Pay, enhancing convenience.
Calculez si cette carte en vaut la peine pour vous
= CHF 30'000/year
Vous payez
CHF 500
par an
Vous recevez
CHF 536
valeur estimée
Bilan
+CHF 36
dans votre poche
Calcul annuel :
CHF 30'000/yr × 0.006 points/CHF × 1 CHF
6 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
- Are the UBS Visa Platinum Card and the UBS Mastercard Platinum sold as a pair?
- Yes. The Platinum package includes both the Visa Platinum and the Mastercard Platinum at no extra cost, plus unlimited free supplementary cards. The cardholder experience (insurance, KeyClub, cash withdrawal fees, zero late fee) is identical across the two; the network choice only decides which card you hand to the merchant.
- What's the international cash-withdrawal cost on the Visa Platinum?
- 5.75% with a CHF 10 minimum. That's above the luxury-segment average around 5.38%. Pulling CHF 200 abroad costs CHF 11.50 plus interest from day one. The card's real value sits in travel insurance and KeyClub; cash advances are an expensive workaround.
Comment nous avons noté cette carte
Vous vous demandez pourquoi UBS Visa Platinum Card a obtenu ce score ? On note les cartes Luxe 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 Platinum Card aujourd'hui et profitez de ses avantages.