RAKBANK FC Barcelona Platinum Credit Card

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  • No Annual Fee
  • Dining Discounts
  • Cashback up to AED2,000

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Established in 1976, RAKBANK is also known as the National Bank of Ras Al Khaimah. The bank is one of the oldest and best-performing public joint-stock companies. RAKBANK offers useful banking products and services such as bank accounts, credit cards, insurance, loans, mortgages and more for both individual and corporate customers.

The FC Barcelona RAKBANK Platinum credit card is one of the RAKBANK credit cards. The credit card cannot be considered a novelty card by any means. In addition to offering customers access to some of the largest sporting events, the FC Barcelona RAKBANK credit card also unlocks huge saving potential and a worldwide network of top-of-the-line lifestyle discounts.

RAKBANK FC Barcelona Platinum Credit Card

Airport Lounge Access
  • Minimum Salary AED 8,000
  • Annual Fee AED 300
  • Airport Lounge Access
  • Dining Discounts
  • Airport Pick-Up / Drop

Features of RAKBANK FC Barcelona Platinum Credit Card

RAKBANK credit cards are hailed all over UAE as some of the most reliable and user-friendly cards. Let us begin by first considering the various industry-leading features of the FC Barcelona RAKBANK Platinum credit card.

Purchase Protection

RAKBANK credit card owners are entitled to the purchase protection service, which insures all new purchases made with the card against theft and damage. Purchase protection covers loss within 30 days of purchase and is capped in the following manner:

  • Capped for a maximum of US$ 1,000 for each new item.
  • Capped for a maximum of US$ 4,000 for each claim occurrence.
  • Capped for a maximum of US$ 8,000 per year.

Easy Payment Plan (EPP)

The FC Barcelona RAKBANK Platinum credit card helps cardholders achieve their financial ambitions, even if they do not have the financial ability to do so. RAKBANK’s Easy Payment Plan (EPP) helps customers spread out their big purchases in the form of smaller monthly instalments. This benefit can be availed at select vendors for 0% interest and tenors ranging from 3 months to 12 months.

Contactless Payment Options

The FC Barcelona RAKBANK Platinum credit card allows the cardholder to make contactless payments in various ways. Contactless payments are not only quick and secured, but they also help save the card from wear and tear damage. The different contactless payment options are:

  • Apple Pay: Cardholders can simply add their RAKBANK credit card to their Apple Pay app to make payments directly through their smartphone or even Apple watch.
  • Samsung Pay: Similarly, the Samsung Pay app not only lets FC Barcelona RAKBANK Platinum credit card owners make payments through their smartphone, but it also allows them to authenticate each transaction with their fingerprint.

The FC Barcelona Card

As the name suggests, the FC Barcelona RAKBANK Platinum credit card offers fantastic FC Barcelona related benefits. Cardholders can redeem loyalty points earned through the RAKBarcaRewards program to purchase official FC Barcelona merchandise, electronics and flight tickets and for a chance to travel to the FC Barcelona Museum and the Camp Nou stadium. Additionally, the RAKBANK credit card bears the FC Barcelona crest, allowing cardholders to proudly display their allegiance.

Credit Card Cheque (CCC)

Certain smaller stores do not accept credit card payments. To address this problem, RAKBANK offers the ingenious Credit Card Cheque (CCC) feature. Owners of a RAKBANK credit card can now simply pay with a banker’s cheque at stores that do not accept card payments.

Banking Platforms

RAKBANK has an extremely diverse set of banking platforms that allows cardholders to access their RAKBANK credit card statements, transfer funds and more in the following ways:

  • Digital Banking: The RAKBANK digital banking platform lets cardholder access their FC Barcelona RAKBANK Platinum credit card account statement, add beneficiaries, pay bills, transfer funds and perform numerous other banking functions from the comforts of their home.
  • Mobile Banking: Customers can also access their RAKBANK credit card account directly through their smartphones via the RAKBANK mobile banking app available on Android and iOS.
  • Voice Banking: RAKBANK cardholders can also carry out banking activities via the automated voice response system known as RAKdirect. As the RAKdirect service is fully automated, customers can share their RAKBANK credit card details securely. The RAKdirect service can be accessed by calling 600-54-4049.

Balance Transfer

RAKBANK credit cards allow cardholders to easily clear outstanding debt on their other cards through the 0% balance transfer services. The balance transfer feature is applicable under the following conditions:

  • 0% interest balance transfer for a tenor of 3 months and a processing fee of 1.95% of the transaction amount.
  • The balance transfer amount may continue to be paid off after the initial 3 months at an interest of 3.45%.

Easy Card Payments

If RAKBANK credit card payments were to be described in one word, the word would be convenience. Cardholders can make payments for their FC Barcelona RAKBANK Platinum credit card at branches and exchange houses or through digital, mobile and voice banking platforms. Cardholders can even set up a direct debit on their bank account to make card payments automatically at the end of every billing cycle.

Security Features

When it comes to security, RAKBANK credit cards spare no effort in ensuring that their cardholders are protected. The FC Barcelona RAKBANK Platinum credit card comes with three major security features as mentioned below:

  • Microchips: Every RAKBANK credit card comes with the leading security standard of chip & pin technology. Chip & Pin enabled credit cards have a unique microchip in each card, making it impossible for any malicious party to duplicate the RAKBANK Platinum credit card.
  • 3D Secure: With the rapid rise in popularity of online shopping, credit cards are now expected to have some measure of online security in addition to the conventional security measures. The FC Barcelona RAKBANK Platinum credit card comes with 3D secure PIN technology, which makes online shopping completely secure by introducing a second authorisation criterion in the form of a 6-digit OTP sent to the cardholder’s registered mobile number.
  • SMS Alerts: The final security protocol set in place by RAKBANK credit cards is real-time SMS alerts. Cardholders receive alerts for any retail transaction, in-store or online as well as for cash withdrawals, balance transfers and more. By providing around the clock updates on card usage, customers can identify and prevent any misuse of their FC Barcelona RAKBANK Platinum credit card early on.

Credit Shield Insurance

RAKBANK credit cards come with a comprehensive insurance policy by the name of Credit Shield. This insurance covers the cardholder’s card repayments in case of unexpected injuries or loss of income. The covers offered by Credit Shield are given below:

  • Critical Illness: Covered for a maximum amount of AED 500,000.
  • Permanent Total Disability: Covered for a maximum amount of AED 500,000.
  • Death: Covered for a maximum amount of AED 500,000.
  • Involuntary Loss of Employment: Covered for a maximum amount of AED 8,000 per month. The RAKBANK credit card owner can avail of this cover for a maximum period of 12 months.

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Benefits of RAKBANK FC Barcelona Platinum Credit Card

Here are the major benefits that the RAKBANK FC Barcelona Platinum Credit Card offers to the cardholders.

  • Lower Interest Rates - RAKBANK FC Barcelona Platinum Credit Card charges a lower interest rate of 3.45 per cent on the credit card outstanding balance after the interest-free period of 55 days. 
  • Travel Benefits - RAKBANK FC Barcelona Platinum Credit Card provides the cardholders with multiple travel benefits such as free travel accident insurance, airport pick up and drop services and free access to more than 25 airport lounges in the world. 
  • Dining Offers - RAKBANK FC Barcelona Platinum Credit Card provides the cardholders with numerous entertainment benefits such as dining discount of 30 per cent at more than 2,000 restaurants through RAKfoodie. 
  • Flight & Hotel Discounts - RAKBANK FC Barcelona Platinum Credit Card offers up to 30 per cent discount on hotel reservations and flight tickets booked through Cleartrip.ae.
  • Careem Discounts - RAKBANK credit card owners receive a 20% discount on three Careem rides every month. New Careem customers will also receive a free first ride.
  • Car Rental Discounts - FC Barcelona RAKBANK Platinum credit card owners can avail of up to 15% discount on Avis car rentals as well as one complimentary car upgrade anywhere in the world.
  • Luxury Apartment Rentals - Cardholders can receive up to 15% discount on beautiful luxury apartments across the globe.
  • Priceless Offers - The MasterCard Priceless program offers owners of the RAKBANK FC Barcelona Platinum credit card huge discounts on hundreds of attractions and events all around the world.
  • MasterCard Apps - This RAKBANK credit card allows customers to make use of the MasterCard for You app, which offers excellent advice on how to best utilise the card. Additionally, the MasterCard Buy 1 Get 1 app offers cardholders hundreds of complimentary products and services all over the world.
  • International Shipping Discount - This MasterCard RAKBANK platinum credit card gives the cardholder a two-year premium MyUS membership. MyUS is an enormous package delivery organisation, which offers access to 100,000+ top brand retailers in the USA. As part of the two-year premium membership, RAKBANK credit card owners are also eligible for a discount of up to 30%.
  • Bicester Village Discounts- Customers may enjoy up to 60% discount on luxury brand shopping at the Bicester Village Shopping Collection store locations all over the world.
  • Vehicle Services - The RAKBANK credit card member receives a host of transportation benefits, which include roadside assistance, car servicing, concierge services, car rentals, courier services, visa submissions, relocation and moving services, airport meet and greets and airport pick-ups/drop-offs within UAE, to name just a few.
  • Supplementary Cards - Family members of the RAKBANK credit card owner can also experience the wonders of the FC Barcelona RAKBANK Platinum credit card through supplementary cards. A supplementary RAKBANK credit card shares the primary card’s credit limit and can even be set with fixed spending limits.
  • Emergency Funds - RAKBANK credit cards offer generous cash advances to cardholders for up to 80% of their available credit limit. Quick cash can be a lifesaving advantage in times of emergency and the RAKBANK cash advance feature ensures that cardholders are always financially supported in such situations.
  • Money Transfers - The RAKMoneyTransfer feature allows cardholders to directly transfer funds through their FC Barcelona RAKBANK Platinum credit card or bank account to a number of countries all over the world in a matter of minutes. Furthermore, the RAKBANK and Xpress Money partnership also lets cardholders remit funds instantly to dozens of countries.

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Rewards & Offers for RAKBANK FC Barcelona Platinum Credit Card

From local RAKBANK credit card cinema offers to international round trip discounts, RAKBANK has an offer for customers from every walk of life. The FC Barcelona RAKBANK Platinum credit card offers cardholders a chance to save enormously on dining, travel, entertainment and more.

Customers should check back frequently as RAKBANK credit card offers are regularly updated.

RAKBarcaRewards

The FC Barcelona RAKBANK Platinum credit card gives cardholders access to the RAKBarcaRewards program. Through this rewards program, customers can unlock thousands of exciting rewards by simply spending using their credit card.

The RAKBarcaRewards Program

The FC Barcelona RAKBANK Platinum credit card enrols the cardholder into a rewards program known as RAKBarcaRewards. The cardholder earns loyalty points or ‘RAKBarcaRewards’, which can be redeemed for purchasing official FC Barcelona merchandise, luxury shopping, electronics, hotel reservations, travel bookings and much more.

FC Barcelona RAKBANK Platinum credit card owners can also avail of these two offers for bonus RAKBarcaRewards:

  • New FC Barcelona RAKBANK Platinum credit card owners who spend AED 3,000 with their card in the first month will receive 20,000 bonus RAKBarcaRewards.
  • The top ten spenders with a minimum monthly spend of AED 7,500 will receive 30,000 RAKBarcaRewards every month.

How to Earn RAKBarcaRewards?

FC Barcelona RAKBANK Platinum credit card owners are automatically enrolled into the RAKBarcaRewards program, which enables them to earn RAKBarcaRewards for every purchase they make with the card. RAKBarcaRewards can be earned in the following ways:

On sports goods, sports lounges, restaurants and adventure sports:

  • For every AED 1 spent on domestic purchases, the cardholder earns 1.25 RAKBarcaRewards.
  • For every AED 1 spent on international purchases, the cardholder earns 2 RAKBarcaRewards.

On other retail expenditures:

  • Owners of the FC Barcelona RAKBANK Platinum credit card earn 1 RAKBarcaReward for domestic expenditures and 1.5 RAKBarcaRewards for international expenditures.

On government services, utility bills, real estate, car rentals, fuel, and transportation costs:

  • 35 RAKBarcaRewards for spending either domestically or internationally.

How to Redeem RAKBarcaRewards?

After collecting enough RAKBarcaRewards, the FC Barcelona RAKBANK Platinum credit card owner can redeem the points for a variety of goods such as official FC Barcelona merchandise, electronics, retail purchases, flight tickets, hotel reservations and more.

FC Barcelona RAKBANK Platinum credit card owners can check the status of their RAKBarcaRewards and redeem them by logging into the RAKBarcaReward portal.

Eligibility Criteria for RAKBANK FC Barcelona Platinum Credit Card

The RAKBANK credit card eligibility criteria are as follows:

  • Age: Any customer above the age of 21 years is eligible for an FC Barcelona RAKBANK Platinum credit card.
  • Income: The RAKBANK credit card minimum salary requirement may change from time to time as per the bank’s discretion. Applicants should make a note that their applications may still be rejected despite meeting the RAKBANK credit card minimum salary requirement if they have too many pre-existing loans, mortgages or credit cards.
  • Credit History: Before any RAKBANK credit card is issued, the RAKBANK staff will conduct a thorough check of the applicant’s credit history. Customers with regular payments and no delinquencies in their past payment records will be eligible for the FC Barcelona RAKBANK Platinum credit card.
  • UAE Residency: The FC Barcelona RAKBANK Platinum credit card is available only for UAE residents. Customers without a UAE residency should contact the RAKBANK customer care number at (04) 213-0000 for further instructions.
  • Employer Info: RAKBANK credit card applicants will also be required to provide valid employment information and details of their employer. Self-employed applicants will instead be required to submit a trade license.

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Documents Required for RAKBANK FC Barcelona Platinum Credit Card

In addition to the application form, FC Barcelona RAKBANK Platinum credit card applicants will also be required to submit the following set of documents:

  • Emirates ID: The Emirates ID is an identity card that contains the RAKBANK credit card applicant’s personal details and will be required from UAE nationals and residents.
  • Salary: While specific RAKBANK credit card minimum salary requirements are not mentioned on the RAKBANK site, the applicant’s minimum monthly income will definitely be considered in the application process. As such, applicants will be asked to submit their latest salary slips.
  • Address: The RAKBANK credit card requirements also include address proof. Applicants will be required to submit a valid form of address proof, such as utility bills, that is in their name.
  • Security Deposit: In order to avail of the credit limit on the FC Barcelona RAKBANK Platinum credit card, applicants will have to deposit a security amount. The security deposit amount is usually more than the approved RAKBANK credit card limit.
  • Trade License: RAKBANK credit card applicants who are self-employed will be asked to submit a trade license.

Fees & Charges on RAKBANK FC Barcelona Platinum Credit Card

The fees & charges mentioned below for the FC Barcelona RAKBANK Platinum credit card are in effect as of 27th Feb 2019 and can be changed at the bank’s discretion.

  • Annual Membership Fee: AED 300
  • Monthly Retail Interest: 3.45%
  • Cash Advance Interest: 3.45%
  • Late Charge: AED 230
  • Over-Limit Charge: AED 275
  • Credit Shield Fee: 0.99% of the monthly card balance

The complete list of fees & charges for the FC Barcelona Platinum credit card is available under the heading of ‘Schedule of Charges’ on RAKBANK’s website.

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How to Apply for a RAKBANK FC Barcelona Platinum Credit Card?

Here are the simple ways to apply for a RAKBANK FC Barcelona Platinum Credit Card.

  • Visit a Branch: The applicants can go to any of the RAKBANK branches to apply for a RAKBANK FC Barcelona Platinum Credit Card. They need to fill up the application form and submit the same with all the essential documents to complete the application process. 
  • Online Banking: RAKBANK enables applicants to apply for a RAKBANK FC Barcelona Platinum Credit Card using the online banking portal. After the applicants are logged in to the portal, they need to fill up the online application form and upload all the necessary documents while submitting the form. 
  • Mobile Banking: RAKBANK offers a mobile app for the cardholders to have easy access to their banking services. The applicants can download this app from their chosen app store and log in to it after they are done with the registration. In the app, they can go to the credit cards section and apply for a RAKBANK FC Barcelona Platinum Credit Card in just a few taps.
  • Call Customer Support: The applicants can also contact RAKBANK’s full-time available help and support line to apply for a credit card. The representative from the help and support team will take the applicant’s request and help them complete the remaining application process. 
  • Our Website: We at Policybazaar also help applicants apply for their desired credit cards. The applicants can visit our website, go to the credit cards section, explore their options by going through the features and benefits of different credit cards and apply for their preferred credit card in just a few clicks. They can also call our helpline number if they need assistance; our experts will guide them through the process.  

The FC Barcelona RAKBANK Platinum credit card cannot be considered a novelty card by any means. In addition to offering customers access to some of the largest sporting events, the RAKBANK credit card also unlocks huge saving potential and a worldwide network of top-of-the-line lifestyle discounts.

FAQs on RAKBANK FC Barcelona Platinum Credit Card

Q1: What are the fees on a supplementary RAKBANK FC Barcelona Platinum credit card?

Ans: A supplementary FC Barcelona RAKBANK Platinum credit card allows family members of the cardholder to access the card’s available credit and to benefit from applicable card offers. A supplementary card shares the credit limit of the primary card and can be set with fixed spending limits.

The supplementary FC Barcelona RAKBANK Platinum credit card is fee-free for life

Q2: Where can I check my rewards points?

Ans: Owners of the FC Barcelona RAKBANK Platinum credit card are granted membership to the RAKBarcaRewards program. The RAKBarcaRewards program allows the RAKBANK credit card holder to collect loyalty points or ‘RAKBarcaRewards’ and redeem them for exciting commodities such as flight tickets, hotel reservations, electronics, etc.

FC Barcelona RAKBANK Platinum credit card owners can check on their RAKBarcaRewards by logging in to their account via the RAKBarcaReward portal.

Q3: Where can I make payments for my RAKBANK FC Barcelona Platinum credit card?

Q3: Where can I make payments for my RAKBANK FC Barcelona Platinum credit card?

Ans: Payments for a RAKBANK credit card can be made in a variety of ways, such as:

  • In Branch: The FC Barcelona RAKBANK Platinum credit card repayments can be made at any of the RAKBANK branches via cash or cheque.
  • ATM/EDM: RAKBANK credit card payments can also be made through RAKBANK ATMs and Electronic Deposit Machines (EDMs) via cash or cheque.
  • Digital Banking: RAKBANK’s digital banking portal can be used to make FC Barcelona RAKBANK Platinum credit card payments online.
  • Direct Debit: Cardholders can also set up standing instructions to have the RAKBANK credit card payments automatically deducted from their account at the end of every billing cycle.
  • Mobile Banking: FC Barcelona RAKBANK Platinum credit card payments can be made through the RAKBANK mobile banking app, available for Android and iOS.
  • RAKdirect: Payments for the FC Barcelona RAKBANK Platinum credit card can be made over the phone, through RAKBANK’s automated voice response service, known as RAKdirect. To access the RAKdirect features simply call 600-54-4049.
  • Exchange Houses: RAKBANK allows cardholders to make payments for the FC Barcelona RAKBANK Platinum credit card through various exchange houses. The many exchange houses which allow RAKBANK credit card payments are:
    • UAE Exchange
    • Al Fardan Exchange
    • Sharaf Exchange
    • Lulu Exchange
    • Al Ansari Exchange
    • Redah Al Ansari
Q4: How do I terminate my RAKBANK FC Barcelona Platinum credit card?

Ans: The FC Barcelona RAKBANK Platinum credit card can be cancelled by the primary cardholder by informing the bank in writing. However, before any RAKBANK credit card is cancelled, the cardholder is required to clear all outstanding dues and charges on the card. Once the dues have been cleared, the cardholder is expected to send in a written request for card cancellation, cut up all the primary and supplementary FC Barcelona RAKBANK Platinum credit cards in half and return them to the bank. We would suggest requesting a No Liability Certificate as well, which clears the cardholder of all liability. RAKBANK issues No Liability Certificates for a fee of AED 50.

Q5: What do I do if my RAKBANK FC Barcelona Platinum Credit Card is stolen or lost?

Ans: In the event that an FC Barcelona RAKBANK Platinum credit card is misplaced or stolen, it is the cardholder’s responsibility to immediately alert RAKBANK and the local police authorities. RAKBANK will then issue a replacement FC Barcelona RAKBANK Platinum credit card for AED 75. If the lost card is recovered at a later date, it should be cut in half and returned to the bank immediately.