UBS offers two premium credit cards with attractive rewards and perks, but getting approved proves difficult for most applicants. The UBS Visa Signature card and UBS Visa Infinite card deliver benefits like travel credits, cashback rewards, and concierge services that appeal to high-spending consumers.
However, these cards require either a substantial relationship with UBS or significant assets under management with the bank. You won't find these cards advertised to the general public. UBS reserves them for existing customers who meet specific wealth thresholds or maintain large account balances.
The application process differs from standard credit card applications. Rather than applying online, interested customers must work directly with a UBS banker to discuss eligibility. This gatekeeping approach means many people never even get the chance to apply.
The rewards themselves justify the exclusivity for qualifying customers. Annual travel credits can offset premium card fees. Cashback rates reward frequent purchases. Priority airport lounge access and concierge support add real convenience for business travelers.
Your takeaway: if you're not a UBS customer with substantial banking relationships or investable assets, these cards remain inaccessible. For most people, other premium credit cards with public applications make more practical sense.