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UBS key4 Mastercard Standard

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

General

Card network

Mastercard

Card type

Standard

Currency

CHF

General information

More favorable exchange rate: Mastercard rate + 0.5%.
No or lower annual fees depending on UBS banking package.
Together with Visa Card Classic as a package.
Replacement card: Free of charge when ordered via UBS e-banking or UBS Mobile; otherwise CHF 20.

General conditions

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

Spending limit

The maximum limit is CHF 5000 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 12% 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 8.1/10 (Very good)

Helpfulness 8.1/10 (Very good)

Product information 7.9/10 (Good)

Assistance 8.1/10 (Very 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 100.00. In subsequent years, the annual fee is CHF 200.00.

Paper invoice

The monthly paper invoice costs CHF 2.80.

Additional cards

Annual fee for partner card: CHF 50.

Card loss

A replacement card costs CHF 20.00.

Purchase abroad in foreign currency

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

Exchange rate markup

0.821% 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, Garmin Pay, 24-hour service, Contactless payments, Mobile access, Online account, PIN, SMS service

Bonus points / cash-back

UBS KeyClub program: You earn 2 KeyClub points per 1000 Swiss francs in purchases charged.

Car rental discounts

Vergünstigte Automiete bei Europcar: bis zu 15% Rabatt auf Standard-Tarife.

Various vouchers & discounts

Parking at Zurich and Geneva airports: 10% discount.