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Maybank FC Barcelona Visa Signature Card: Why It's Worth a Consideration

Unlimited Cashback Card for Affluent Local Spenders
PROMO: GET S$100 CASH CREDIT

Maybank FC Barcelona Visa Signature Card: Why It's Worth a Consideration

Unlimited Cashback Card for Affluent Local Spenders

4.3/5.0

ValueChampion Rating ValueChampion Icon

Rewards
Perks
Fees

Pros

  • Affluent consumers spending S$6,500+/month
  • High spenders with mostly local budgets
  • Football fans–especially of FC Barcelona

Cons

  • Frequent travellers with high overseas spend
  • People spending less than S$5,000/month
  • Consumers who prioritise travel perks & privileges
PROMO: GET S$100 CASH CREDIT

If you’re a high spender, typical cashback cards may be holding you back with monthly limits or earning caps. Maybank FC Barcelona Visa Signature Card not only offers unlimited earning potential, it also offers a higher local cashback rate than any of its competitors. Cardholders earn 1.6% flat rebate on all local spend (compared to 1.5% with others) and enjoy perks like travel insurance and discounts tailored to FC Barcelona fans. While overseas spend earns just 0.8 miles per S$1 (equal to about 0.8% cashback), Maybank FC Barcelona Card offers a fee-waiver with just S$10,000 annual spend–a feature not offered by competitors. If you have a substantial budget and spend most of it locally, Maybank FC Barcelona Card is likely the best option for you.

Maybank FC Barcelona Visa Signature Card Features and Benefits

  • Annual Fee: S$120, Waived for annual spending of S$10,000
  • Income Requirement: S$30,000 for citizens & PRs, S$60,000 for foreigners
Key Features:
  • Annual fee: S$120
  • Unlimited 1.6% rebate on local spend
  • 2 Pts (0.8 miles) per S$1 on foreign currency transactions
  • Up to 10% discount at FC Barcelona official stores
  • Free travel insurance
Promotions:
  • Get S$100 cash credit with Maybank Credit Card and CreditAble when you charge and withdraw at least S$250 for each of the 2 consecutive months upon approval (until Aug 31, 2021)
Promotions:
  • Get S$100 cash credit with Maybank Credit Card and CreditAble when you charge and withdraw at least S$250 for each of the 2 consecutive months upon approval (until Aug 31, 2021)

What Makes Maybank FC Barcelona Visa Signature Card Stand Out

Maybank FC Barcelona Visa Signature Card allows affluent consumers to maximise cashback on local spend. Cardholders earn 1.6% cashback on all local spend with no minimum requirement, which is higher than the 1.5% offered by competitors. Rewards are uncapped, so Maybank FC Barcelona Card also offers greater earning potential than alternatives like UOB One Card. The S$120 fee is waived with just S$10,000 annual spend, making Maybank FC Barcelona Card one of the market's most affordable flat-rate cards.

Spend LevelMaybank FC Barcelona Card (1.6%)Amex True Cashback Card (1.5%)Difference
S$4,000S$64S$60S$4
S$8,000S$128S$120S$8
S$12,000S$192S$180S$12
Please note that Maybank FC Barcelona Card’s 1.6% rate applies only to local spend

Maybank FC Barcelona Card isn't a great fit for frequent travellers or lower spenders, however. Cardholders earn just 0.8 miles per S$1 spend in foreign currency–almost half that offered by some competitors. Card rewards only become competitive after S$6,500+ spend/month, so Maybank FC Barcelona Card is best for affluent individuals with mostly local spend.

Impact of Local-to-Overseas Spend Ratio on Earnings for S$6,500 Monthly Budget
Budget RatioValue-to-Consumer
90% local, 10% overseasS$98.8
75% local, 25% overseasS$91.0
50% local, 50% overseasS$78.0
25% local, 75% overseasS$65.0

Finally, while it lacks common benefits like petrol savings or travel perks, Maybank FC Barcelona Card offers discounts up to 10% at FC Barcelona and FC Botiga official stores, plus a chance to win a trip for 2 to a FC Barcelona game. The prize includes 2 game tickets, economy-class air tickets, airport and hotel transfer, and a 3-day hotel stay. Maybank FC Barcelona Card is great for affluent local spenders who especially enjoy football.

How Does Maybank FC Barcelona Visa Signature Card’s Rewards Program Work?

Use our quick and easy-to-read guide below to learn how you you can redeem card rewards.

Program Description by Rewards Type
Cashback
  • Every 1 dollar of cashback earned is equal to S$1
  • Cashback earned by Supplementary cards is credited to Principal Account
  • Cashback is credited to the cardholder's account the following month
Points/Miles
  • Overseas spend officially rewarded in points, redeemable as cash, miles, or vouchers
  • Points expire 1 year from the quarterly period in which they are earned
  • Points can be redeemed in blocks of 17,000 for S$50 cash credit
  • Points can be converted to miles via the Maybank Frequent Flyer Programme [FFP]
  • AsiaMiles are converted at the rate of 5,000 Points for 2,000 miles (manual)
  • KrisFlyer Miles are converted at the rate of 12,500 Points for 5,000 miles (online)
  • There is a S$25 conversion-to-miles fee

Maybank FC Barcelona Visa Signature Card Rewards Exclusions

Some credit card expenditures are ineligible for earning rewards. We identify these exclusions below.

FlexiCash, FlexiPay, 0% Interest Instalment Plans, funds transfers, cash advances, finance charges, late payment charges, annual fees, reversals, interest charges, any other miscellaneous bank charges as decided by Maybank
AXS and SAM transactions; payment of funds to prepaid accounts including (but not limited to) EZ-Link, Banc de Binary, Flashpay, MoneyBookers, NETS, OANDA, PayPal, Skrill, SkyFX, Transitlink, IG Markets, Plus500, YouTrip
Payments 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); brokerage/securities transactions, payments to insurance; any transactions deemed to be corporate/commercial; any betting or gambling transactions

How does Maybank FC Barcelona Visa Signature Card Compare Against Other Cards?

PROMO: GET S$100 CASH CREDIT
Consider this if you want to earn an unlimited amount of cash rebate without paying an annual fee
  • Pros
    • Affluent consumers spending S$6,500+/month
    • High spenders with mostly local budgets
    • Football fans–especially of FC Barcelona
    • Cons
      • Frequent travellers with high overseas spend
      • People spending less than S$5,000/month
      • Consumers who prioritise travel perks & privileges

      Read our comparisons of Maybank FC Barcelona Visa Signature Card with other cards and learn what makes each card unique in their own way. We compare and contrast each card to highlight its uniqueness to help you identify the card that you need.

      Maybank FC Barcelona Visa Signature Card performs above the market average for value-to-consumer after two years based on a monthly spend of S$2,000

      Maybank FC Barcelona Visa Signature Card v. Standard Chartered Unlimited Cashback Card

      Consider this if you are interested in a simple card, with unlimited cashback
      • Pros
        • Unlimited 1.5% flat cashback
        • No minimum spend requirement
        • Up to 21% fuel savings with Caltex
        • Cons
          • Must spend S$7,000/month to get good value
          • No boosted rates in specific categories
          • No travel perks

          Standard Chartered Unlimited Cashback Card is also an unlimited, flat-rate cashback card with no spend requirement. Cardholders earn 1.5% cashback on both local and overseas spend, making the card a better fit for affluent travellers. Cardholders also receive benefits like SimplyGo card functionality and up to 21% fuel savings at Caltex. Consumers seeking unlimited cashback who tend to travel may prefer SC Unlimited Cashback Card.

          Maybank FC Barcelona Visa Signature Card v. American Express True Cashback Card

          PROMO: RECEIVE S$80 CAPITA VOUCHERS
          Consider this if you want unlimited amount of cash rebate and value American Express's services
          • Pros
            • Great Amex perks
            • Straightforward, easy-to-use card
            • Cons
              • Not suitable for lower budgets
              • Rewards general spend only

              American Express True Cashback Card stands out from other flat rate cards because while spend generally earns 1.5% cashback locally and overseas, new cardholders earn 3% cashback (up to S$150) within their first 6 months. Cardholders enjoy American Express Selects and Global Dining Program, so consumers who prefer dining perks to football benefits may opt for Amex True Cashback Card.

              Maybank FC Barcelona Visa Signature Card v. UOB One Card

              Consider this if you want to maximise your cash rebate and spend about S$2,000 per month
              • Pros
                • Good fit for budgets of at least S$2,000 per month
                • Easy cashback on daily spend
                • Gives rebates for paying bills
                • Cons
                  • Doesn't fit high budgets or low/inconsistent budgets
                  • Annual fee

                  Average spenders can earn up to 5% flat cashback with just S$2,000 monthly spend with UOB One Card. Cardholders earn rebates based on their minimum spend, up to S$300/quarter, which is great for consistent spenders. Affluent consumers however may prefer Maybank FC Barcelona Card because rewards are uncapped, allowing unlimited earning potential.

                  Zoryana Melesh

                  Zoryana is a Senior Research Analyst at ValueChampion, who focuses on evaluating credit cards, savings and fixed deposits in Singapore. She holds a BA in Political Science and an MPA in International Finance and Economic Policy, both from Columbia University. Prior to joining ValueChampion, Zoryana worked in treasury management consulting.

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