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

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

Unlimited Cashback Card for Affluent Local Spenders

Good for

  • Affluent individuals who regularly spend S$6,500+/month
  • Consumers who spend the majority of their budget locally
  • Football fans–especially of the FC Barcelona club

Bad for

  • Frequent travellers with high overseas spend
  • Individuals who spend substantially less than S$5,000/month
  • Consumers seeking benefits like petrol savings or travel perks

Editor's Rating

4.5/5.0

Affluent local spenders can earn substantial cashback with Maybank FC Barcelona Visa Signature Card, which offers unlimited 1.6% cashback on local spend, with no minimum requirement. While this rate is higher than some competitors’, overseas spend earns just 0.8 miles per S$1 (equal to about 0.8% cashback) so this card is best for local spenders. Cardholders also benefit from an easily-waivable fee and perks tailored specifically to FC Barcelona fans.

Maybank FC Barcelona Visa Signature Card Features and Benefits:

S$120.0, Waived for annual spending of S$10,000
  • S$30,000 for locals
  • S$45,000 for Malaysians; S$60,000 for Others for foreigners
  • Unlimited 1.6% cashback on all local spend
  • 2 pts (equal to 0.8 miles, or about 0.8% cashback) for spend in foreign currencies
  • No minimum spend requirement
  • Chance to win 2 tickets to FC Barcelona game, live (prize includes economy-class air tickets, airport and hotel transfer, & 3-Day hotel stay)
  • 10% Discount on FC Barcelona official online store (Asia Pacific)
  • 5% Discount at the FCBotiga official store in Camp Nou, Barcelona
  • Free travel insurance
Promotions:
  • Receive S$50 cash credit after S$700 spend
  • Up to 10% off worldwide hotel bookings with Expedia, Agoda

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, Cash advance, Fund Transfer, 0% instalment plans, interest charges, late payment charges, finance charges, annual fees, reversals & other miscellaneous bank charges
EZ-Link transactions; Transitlink transactions; AXS and SAM transactions; any form of online payment gateway transactions such as Paypal transactions, BidPay transactions, and Skrill transactions; payment of funds to prepaid accounts such as Banc de Binary, FlashPay, MoneyBookers, NETS, Oanda Asia Pacific, Pepperstone Group Ltd, Saxo Capital Markets, Sky FX, IG Markets and others
Any payments made to government institutions and services (for example, court costs, fines, bail and bond payments, tax payment, postal services, intra-government purchases, parking and any other government services not classified here); any payment made to charitable/religious organization; any gambling transactions; any transactions deemed to be corporate/commercial

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

Consider this if you want to earn an unlimited amount of cash rebate without paying an annual fee

Annual Income Requirement S$30,000
Foreigner Income Requirement S$45,000 for Malaysians; S$60,000 for Others

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

Annual Income Requirement S$30,000
Foreigner Income Requirement S$60,000

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 dual EZ-Link card functionality, up to 21% fuel savings at Caltex, and 15% rebate on Grab. 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

Consider this if you want unlimited amount of cash rebate and value American Express's services

Annual Income Requirement S$30,000
Foreigner Income Requirement S$60,000

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

UOB One Card
UOB One Card

Consider this if you want to maximise your cash rebate and spend about S$2,000 per month

Annual Income Requirement S$30,000
Foreigner Income Requirement S$40,000

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.

Comments and Questions

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