UBS is 80s in it's DNA. There is nothing special about the credit card app, they require physical paperwork on almost everything. But your FA does the paperwork for you. So really what everything requires is a phone call to your FA to get permission. I joke that UBS is my safest account because even I'm not allowed to access my money.

UBS accounts are free if you can prove you have at least $2M liquid (doesn't need to move to UBS) and some card features like no-fee cash advances only work with an RMA account so it's worth considering going ahead and asking for an account.