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UBS key4 Mastercard Premium

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Prepaid card

UBS key4 Mastercard Premium

Gold credit card
No/low annual fees in the bank package
With bonus points
Two cards Mastercard & Visa

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General

Card network

Mastercard

Card type

Gold

Issuer

UBS

Currency

CHF

General information

More favorable exchange rate: Mastercard rate + 0.5%.
No or lower annual fees depending on UBS banking package.
Two-card set with Visa Card Gold.

General conditions

In order to get the card, you need an account with the same bank.

Spending limit

The maximum limit is CHF 10,000 per month.

Payment method

eBill, Direct debit (LSV), QR-bill, Prepayment

Carrying balances

Carrying balances possible. If the invoice is not paid by the set deadline, an effective annual interest of 14% is owed.

Late payment fees

CHF 30 to CHF 60: No late payment fee for first payment reminder. CHF 30 for second reminder. CHF 60 for each additional reminder.

Customer satisfaction

General satisfaction 7.7/10 (Good)

Helpfulness 7.8/10 (Good)

Product information 7.6/10 (Good)

Assistance 7.8/10 (Good)

Ratings

Customer satisfaction

Bonus points / cash-back

Car rental discounts

Frequent flyer miles

Airport lounge access

Concierge service

Charity & sustainability

Various vouchers & discounts

Insurance: death & disability

Insurance: rescue & repatriation

Insurance: medical expenses

Insurance: flight delay & cancellation

Insurance: car rental

Insurance: luggage

Insurance: purchase protection

Insurance: return protection

Insurance: best price guarantee

Insurance: legal protection

Insurance: various

Costs

Annual fee

In the first year, the annual fee is CHF 150.00. In subsequent years, the annual fee is CHF 300.00.

Paper invoice

The monthly paper invoice costs CHF 1.80.

Additional cards

Annual fee for partner card: CHF 75.

Card loss

Replacement cards are free of charge.

Purchase abroad in CHF

For purchases abroad in CHF there is no administrative fee to pay.

Purchase abroad in foreign currency

Purchases abroad or online in foreign currencies are free of charge.

Exchange rate markup

1.067% is the average markup of the EUR/CHF exchange rate against the interbank rate according to the latest regular samplings of moneyland.ch. The actual markup may vary daily.

Cash withdrawal in Switzerland

Per cash withdrawal in Switzerland there is a fee of 4% of the amount with a minimum of CHF 10.00.

Cash withdrawal abroad:

Per cash withdrawal abroad there is a fee of 4% of the amount with a minimum of CHF 10.00. Additionally, there is an administrative fee of 0%.

Special services

Samsung Pay, Apple Pay, Google Pay, Fitbit Pay, Garmin Pay, 24-hour service, Contactless payments, Mobile access, Online account, PIN, SMS service

Bonus points / cash-back

UBS KeyClub program: You earn 4 KeyClub points per 1000 Swiss francs in purchases charged.

Car rental discounts

Up to 15% discount on standard rentals from Europcar.

Airport lounge access

Standard Priority Pass membership.
Annual purchase of a lounge entry for EUR 30 required in advance (valid for 12 months). Each additional entry costs EUR 30.

Various vouchers & discounts

Parking at Zurich and Geneva airports: 10% discount.

Insurance: death & disability

Coverage of up to 600,000 Swiss francs in the event of death or permanent disability.

Insurance: rescue & repatriation

Up to 60,000 Swiss francs of search, rescue and repatriation costs covered per incident and year.

Insurance: car rental

Collision and loss damage waiver of up to 10,000 Swiss francs per incident.

Insurance: best price guarantee

Differences between purchase prices and lower offers reimbursed up to 2000 Swiss francs per year.