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Our Take on 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.
PROS
- 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.
CONS
- High annual fee (CHF 500)
- No concierge service
Card Details
At a Glance
Annual fee
CHF 500
1st Year
CHF 250
Rewards rate
0.006 points/CHF
FX Fee
1.75%
Welcome bonus
6 pts/1000CHF Points
Travel insurance coverage
CHF 30,000
Fees & Costs
Fees & Costs
First year annual fee
CHF 250
Annual fee (after first year)
CHF 500
Foreign exchange fee
1.75%
Cash Withdrawal (Domestic)
4% (min CHF 10)
Cash Withdrawal (International)
5.75% (min CHF 10)
Late Payment Fee
CHF 0
Additional Cards
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Rewards Program
Rewards Program
Rewards type
Points
Base rewards rate
0.006 / CHF
Welcome bonus
6 pts/1000CHF Points
Insurance & Protection
Insurance & Protection
Travel insurance coverage
CHF 30,000
Medical insurance coverage
CHF 1,000,000
Purchase protection
CHF 3,500
Card Features
Card Features
Card Network
Visa
Card Type
Platinum
Currency
CHF, USD, EUR
Minimum income requirement
No income requirement
Monthly spending limit
CHF 20,000
Airport lounge access
Airport lounge access available
Concierge service
Key Features
- 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.
Calculate If This Card Is Worth It for You
= CHF 30’000/year
You Pay
CHF 500
per year
You Get Back
CHF 536
estimated value
Bottom Line
+CHF 36
in your pocket
Annual calculation:
CHF 30’000/yr × 0.006 points/CHF × 1 CHF
6 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
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Frequently Asked Questions
- What is the annual fee for the UBS Visa Platinum Card?
- The UBS Visa Platinum Card has a promotional first year fee of CHF 250, then CHF 500 per year afterwards.
- What are the foreign transaction fees for the UBS Visa Platinum Card?
- The UBS Visa Platinum Card charges a 1.75% foreign exchange fee on international transactions.
- What rewards does the UBS Visa Platinum Card offer?
- The UBS Visa Platinum Card offers points rewards at a base rate of 0.006 per CHF spent.
- What insurance coverage does the UBS Visa Platinum Card include?
- The UBS Visa Platinum Card includes travel insurance up to CHF 30,000 and medical coverage up to CHF 1,000,000 abroad.
- Does the UBS Visa Platinum Card include airport lounge access?
- Yes, the UBS Visa Platinum Card includes airport lounge access through Priority Pass or partner programs.
- Is the UBS Visa Platinum Card compatible with Apple Pay?
- Yes, the UBS Visa Platinum Card is fully compatible with Apple Pay for contactless mobile payments.
How We Rated This Card
Wondering why UBS Visa Platinum Card got its score? We rate Luxury 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 Platinum Card today and start enjoying its benefits.