Applying for a UBS credit card online can be simple if you already use UBS digital banking and you have your basic details ready.
UBS offers online ordering through E-Banking, where you choose a card and submit your request digitally.
If you live outside Switzerland, use UBS’s country selector and follow the local process shown on the official site.
What does “UBS Credit Card” mean
UBS offers different card types and tiers, which may include classic or premium options depending on what is available to you.
Some cards are positioned for everyday spending, while others are designed for travel benefits or broader perks.
The exact benefits, limits, and fees depend on the specific card you select and the terms shown during the application.
Because UBS updates product ranges over time, you should rely on the official card page and product documents for the version you are applying for.
| Card (UBS CH) | Best for | Annual fee (if no banking package) | Annual fee (with UBS me banking package) | Limits / balances | Key perks UBS highlights |
|---|---|---|---|---|---|
| Classic Credit Card | Everyday use + basic travel coverage | CHF 50 (1st year), then CHF 100/year | Free of charge | Not stated on the product page excerpt | 3-D Secure, mobile payments (Apple/Google/Samsung Pay), free virtual card, travel & aviation accident insurance listed as included |
| Gold Credit Card | Higher flexibility + lounge offers | CHF 100 (1st year), then CHF 200/year | Not shown on the Gold page excerpt | UBS mentions a spending limit up to CHF 10,000 | “Access to airport lounges” (offers), KeyClub points, rental car excess insurance, free virtual card, mobile payments |
| Platinum Credit Card | Premium travel + lounges + multi-currency | CHF 250 / EUR 175 / USD 200 (1st year), then CHF 500 / EUR 350 / USD 400 | Not shown on the Platinum page excerpt | UBS highlights “higher limits”; an overview page lists spending limit up to CHF 20,000 | Priority Pass (unlimited lounge access for you + a guest), extensive travel-related insurance mentions, free virtual card, up to four cards total with CHF/EUR/USD options |
| Prepaid card | Spend control (load funds first) | CHF 50/year | Not stated as free on the prepaid page excerpt | Max balance CHF 10,000 | Card top-up free, card blocking free; cash withdrawals 4% (min CHF 10); CHF transactions abroad 1.75% surcharge |
Requirements to check before you apply
A key point is whether you already have a UBS banking relationship, because some card applications are designed for existing UBS clients.
If you already have UBS E-Banking access, the online flow tends to be smoother because your identity and contact details may already be on file.
If you are not yet a UBS client, you may need to open an account first, depending on the card and eligibility rules shown online.
UBS may also review your profile as part of the application decision. Your approval, credit limit, and final conditions depend on UBS’s screening outcome.
Details and documents to prepare
Have your personal identification information consistent with what UBS has on record, along with your current address and contact details.
Keep your email and mobile number updated so you can receive confirmations and security messages.
In some cases, you may be asked for employment or income-related information depending on the card and your profile.
Step-by-step: how to apply online in UBS E-Banking
UBS describes a path to order a UBS credit card online through E-Banking. You start by logging in and navigating to the product area.
From there, you choose the credit card you want and submit the application.
A practical sequence you can follow is to log in, open Products, select Cards, choose a card, and apply.
Then you complete the on-screen fields and submit your request. After submission, monitor your messages for confirmations or any additional requests.
What happens after you submit
Once the application is submitted, the bank typically completes internal checks and then confirms the result.
If your application is approved, the card is usually delivered by mail within a few working days, though timing can vary.
You may also receive separate mailings for card components depending on standard security practices.
Interest rates: what to know about partial payments
Many cardholders aim to pay the full statement balance each month to avoid interest charges.
UBS offers a partial payment option for eligible credit card billing, which allows you to pay less than the full balance.
When you use partial payments, UBS states that interest is charged on unpaid transactions from the transaction date.
UBS publishes an annual interest rate of 13% for the partial payment option. Because rates and conditions can change, you should confirm.
Security features and safer everyday use
Your priority after approval should be a secure setup and controlled usage. You should enable transaction monitoring.
If your card is lost or stolen, UBS provides tools to block the card through its official banking channels.
You should also avoid sharing card data through messages or unknown websites, even if they claim to be secure.
Reviewing your statements regularly helps you catch problems early and act quickly.
Customer support
The Zurich address is: UBS, Bahnhofstrasse 45, P.O. Box, CH-8098 Zurich, Switzerland.
The main telephone number listed is: +41 44 234 11 11.
UBS also publishes a dedicated credit card contact number on its credit card pages: 0800 002 987, with business-hour availability shown on the same page.
For safety, rely on official UBS pages or your secure UBS banking environment to confirm the right contact route for your specific issue.
Conclusion
Applying for a UBS credit card online is usually easiest when you already have UBS digital banking access and your personal details are current.
You can submit the request through E-Banking by selecting the card you want and completing the on-screen application.
Before using the card, understand how partial payments work and remember that UBS states an annual interest rate of 13% can apply.
Disclaimer: Card availability, eligibility rules, fees, and interest conditions can change over time and may vary by product and applicant profile. This article provides general guidance based on UBS’s published information and you should confirm the latest terms on the official UBS website before applying.
