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UBS Mastercard Gold

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UBS Mastercard Gold

Gold credit card
Pay worldwide with UBS Mastercard or Visa
Earn KeyClub reward points with every payment
Gold Card benefits: extended travel insurance and more

Apply now

General

Card network

Mastercard

Card type

Gold

Currency

CHF, USD, EUR

General information

Together with Visa Gold as a package.
Also available in EUR and USD.
The Gold credit card in GBP is available only as a Visa card.

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 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 set: CHF 50 (Note: Standard set already includes 2 cards.).

Card loss

Replacement cards are free of charge.

Purchase abroad in foreign currency

For purchases abroad or online in foreign currencies there is an administrative fee of 1.75% of the purchase amount.

Exchange rate markup

2.025% 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 1.75%.

Special services

Samsung Pay, Apple Pay, Google Pay, Swatch 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 (discounted entry to participating airport lounges).
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.
Membership of suitespot (exclusive benefits in over 2500 luxury hotels worldwide).

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 are covered per incident and year.

Insurance: car rental

In the event of damage or theft, the deductible is covered up to CHF 10,000 per incident (maximum 91 days).

Insurance: best price guarantee

Differences between purchase prices and lower offers of 30 Swiss francs of more are reimbursed up to 2000 Swiss francs per year (within 14 days of purchase). Valid in Switzerland.