Would you rather not pay for your credit card purchases until later? You decide each month how much you want to pay back.
What you need to know
You continue to pay with your credit card as usual.1
The minimum amount is 5% of your bill for the month, but at least CHF 50.2
The interest rate is 12% per year from the respective transaction date.3
In principle, the partial payment option is available with all UBS Credit Cards (excluding World Mastercard® Gold International and Mastercard® Excellence).
You can only use the installment facility if you pay your bill manually (e.g. with a payment slip). If you pay your credit card bill with a direct debit (LSV), you must switch to “Manual payment.”
How it works
How do you pay your credit card bill?
Fill in the amount you would like to pay this month in the “Amount” field on the payment slip itself – the remaining amount to be paid will be automatically transferred to next month's bill.
When you pay your monthly bill, the full billing amount (100%) is already selected on the payment screen. To pay only part of this amount, simply select another billing amount: “50%,” “Minimum amount” or “Individual amount.”
The payment card industry association (KARTAC) makes an important contribution to the responsible use of credit cards. Information and tips are available at kartac.ch/generalprinciples
It is forbidden to grant credit if this leads to the over-indebtedness of the consumer (Art. 3 of the Swiss Federal Act Against Unfair Competition).