Maybank FC Barcelona Card
Earn 1.6% unlimited cashback on local purchases
Maybank FC Barcelona Card Overview:
Maybank FC Barcelona Visa Signature card is a good option even if you are not a FC Barcelona fan. This is a great card with a unique proposition if you do most of their spending locally. You can earn 1.6% unlimited cashback with no minimum spend on local purchases, 2x TREATS points for overseas spends, also, you can get a chance to win a trip for 2 to catch FC Barcelona LIVE every football season!
Eligibility & Fees:
- Minimum Age: 21 years old
- Minimum Annual Income: S$30,000 (locals/PRs); S$60,000 (foreigners)
- Annual Fee: S$120, 2 years waived (subsequent annual fee will be waived if you spend S$10,000 annually)
Key Benefits:
- Earn 1.6% unlimited cashback on local purchases
- Earn 10 TREATS points for every S$5 spent on foreign currency transactions. That’s 0.8 miles per S$10 (or 0.8% cashback), while incurring a foreign exchange fee of 3.25% (in other words, I would not recommend using this card for foreign currency transactions)
- No minimum monthly spending required
- No maximum spending cap
- 5% Discount at the FCBotiga official store in Camp Nou.
- Complimentary travel insurance coverage of up to S$300,000 when air tickets or travel packages are charged in full to the card.
How to Best Optimise it:
Rare Use Case For School Fees
- While most credit cards exclude educational institutions, Maybank cards doesn’t exclude Education Fees. Therefore, you can use this card for your school fees to earn the 1.6% unlimited cashback! However, please refer to Best Credit Card For Education to check on eligibility and conditions relating to the educational institution.
What to Avoid:
Exclusion List:
- Payments made to government institutions and services (court cases, fines, bail and bonds, tax payment, postal services, parking lots and garages, intra-government purchases and any other government services not classified here)
- Betting or gambling transactions
- Brokerage/securities transactions
- Payment to insurance
- Transactions classified under the following Merchant Category Codes(“MCC”):
- Financial Institutions – Merchandise, Services, and Debt Repayment (MCC 6012)
- Non-Financial Institutions – Foreign Currency, Non-Fiat Currency (for example: Cryptocurrency), Money Orders (Not Money Transfer), Account Funding (not Stored Value Load), Travelers Cheques, and Debt Repayment (MCC 6051)
- Non-Financial Institutions – Stored Value Card Purchase/Load (MCC6540)
- Transactions made via AXS and SAM
- FlexiCash, FlexiPay, 0% Interest Instalment Plans, funds transfers, cash advances, finance charges, late payment charges, annual fees, reversals, Interest charges, any other miscellaneous charges charged by the Cardmember, or payment of funds to prepaid accounts listed below.
Is it Worth it:
Advantages:
- High cashback for local spending
- Able to pay for education institution fees and earn unlimited cashback
- Special FC Barcelona perks
- Complimentary travel insurance coverage
Disadvantages:
- Low miles (with fx fee) for overseas spend
- FC Barcelona specific perks might not be relevant for everyone
Frequently Asked Questions:
How do I redeem my TREATS: Simply download the Maybank TREATS SG app and login with your Online Banking Username and Password to view or redeem your TREATS Points.
Final Thoughts:
Overall, the Maybank FC Barcelona Visa Signature card is a solid choice for those who want a straightforward cashback card and spend a lot locally without the pressure to hit a minimum monthly spend requirement. It caught my attention where I saw that it does not have any exclusions for school fee payments, allowing you to earn unlimited cashback on your school fees. So if your school fees were S$10,000, you will receive a S$160 worth of cashback. This card will be ideal for those who have huge education fee to pay off and even after you pay off your education fee, it makes a great general spending card with VERY minimal exclusions. Definitely a rare gem.
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