RAKBANK FC Barcelona Platinum Credit Card

RAKBANK FC Barcelona Platinum Credit Card

About RAKBANK FC Barcelona Platinum Credit Card

UAE is host to some of the most exciting and jaw-dropping football matches in the world. The RAKBANK FC Barcelona Platinum credit card combines this passionate football following with the incredible card benefits that only a RAKBANK credit card can offer.

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.

Features of the RAKBANK FC Barcelona Platinum Credit Card

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

Security

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 authorization criterion in the form of a 6 digit OTP sent to the cardholder’s registered mobile number only.
  • 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.

Balance Transfer

RAKBANK credit cards allow cardholders to easily clear away 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 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. Owners of a RAKBANK credit card can avail of the RAKBANK Easy Payment Plan (EPP), which allows customers to pay for big purchases at partnered retail locations as smaller monthly instalments for tenors of 3months – 12months and at 0% interest.

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 own 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.

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 fund through their FC Barcelona RAKBANK Platinum credit card or bank account in a matter of minutes to tons of countries all over the world. Furthermore, the RAKBANK and Xpress Money partnership also lets cardholders remit funds instantly to dozens of countries.

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.

Benefits of the RAKBANK FC Barcelona Platinum Credit Card

From stadium visits to lifestyle offers, some of the many incredible RAKBANK credit card benefits are mentioned below.

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. The RAKBarcaRewards program details are explained in later sections.

Benefits by RAKBANK

Owners of the FC Barcelona RAKBANK Platinum credit card receive the following benefits from RAKBANK:

  • 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.
  • Cash on Call: As mentioned earlier, the FC Barcelona RAKBANK Platinum credit card allows customers to quickly access up to 80% of their available credit limit as and when requested.
  • 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.
  • Travel Insurance: The FC Barcelona RAKBANK Platinum credit card provides cardholders with complimentary travel insurance, which covers the following:
    • Personal Accidents
    • Travel Delays
    • Baggage Delays
    • Lost Baggage
      The insurance cover provided by the RAKBANK credit card is extremely extensive.
  • EPP: RAKBANK’s Easy Payment Plan (EPP) helps customers spread out big purchases in the form of smaller monthly instalments. This RAKBANK credit card benefit can be availed at select vendors, for 0% interest and tenors ranging from 3 months to 12 months.

MasterCard Advantages

As a MasterCard partnered card, the FC Barcelona RAKBANK Platinum credit card grants cardholders access to various international and local MasterCard advantages.

  • Airport Lounge Access: Owners of the FC Barcelona RAKBANK Platinum credit card gain unlimited access to 25+ airport lounges across the globe.
  • Flight & Hotel Discounts: This RAKBANK Platinum credit card earns the cardholder discounts of up to 30% on flight tickets and hotel reservations made 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% discounts on Avis car rentals as well as one complimentary car upgrade anywhere in the world.
  • Luxury Apartment Rentals: Cardholders receive up to 15% discount on beautiful luxury apartments across the globe.
  • Priceless Offers: The MasterCard Priceless program offers owners of the FC Barcelona RAKBANK Platinum credit card huge discounts on hundreds of attractions and events all across 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 utilize the card. Additionally, the MasterCard Buy 1 Get 1 app offers cardholders hundreds of complementary products and services all over the world.
  • International Shipping Discount: This MasterCard RAKBANK platinum credit card gives the cardholder a two-year premium membership to MyUS. MyUS is an enormous package delivery organization, 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% discounts on luxury brand shopping at the Bicester Village Shopping Collection store locations all over the world.

Eligibility Criteria for RAKBANK FC Barcelona Platinum Credit Cards

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. Note that applications may still be rejected despite meeting the RAKBANK credit card minimum salary requirement if the customer has 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.

Top Reasons to Get the RAKBANK FC Barcelona Platinum Credit Card

Besides the superb RAKBANK credit card benefits, some of the top reasons to get an FC Barcelona RAKBANK Platinum credit card are listed below.

Contactless Payment Options

The FC Barcelona RAKBANK Platinum credit card allows the cardholder to make contactless payments in a variety of 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, it even 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 formidable FC Barcelona related benefits. Cardholders can redeem loyalty points earned through the RAKBarcaRewards program to purchase official FC Barcelona merchandise, electronics, flight tickets and for a chance to travel to the FC Barcelona Museum and the Camp Nou stadium. Additionally, the RAKBANK credit card also bears the FC Barcelona crest, allowing cardholders to proudly display their allegiance.

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 automatically make card payments at the end of every billing cycle.

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.

Credit Shield

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.

Trustworthy

Access to dedicated customer service agents at any time of the day and completely transparent banking processes have branded RAKBANK as a trustworthy credit card issuer. The RAKBANK credit card support staff is available 24/7 and can be contacted at (04)213-0000.

RAKBANK FC Barcelona Platinum Credit Card Offers

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.

Note: The FC Barcelona RAKBANK Platinum credit card is currently offering a one-time deal valid till 30th April. The offer states that owners of an FC Barcelona Platinum credit card who have spent at least AED 10,000 in the first three months will earn a full waiver off their annual membership fee (of AED 300) and will also receive AED 100 as cash back.

Fees & Charges of the 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 RAKBANK Platinum credit card is available under the heading of ‘Schedule of Charges’ on the RAKBANK website.

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 official FC Barcelona merchandise, for luxury shopping, electronics, hotel reservations,  travel bookings, hotel reservations 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 that 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 purchases made 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 on the status of their RAKBarcaRewards and redeem them by logging into the RAKBarcaReward portal.

How to Apply for the FC Barcelona RAKBANK Platinum Credit Card

RAKBANK credit cards can be applied for in any of the two ways mentioned below. Whether the FC Barcelona RAKBANK Platinum credit card application is accepted or not depends upon the applicant’s earning potential, submission of valid documents and other criteria as per the bank’s discretion.  The two modes of application are as follows:

  • In Branch: Any of the RAKBANK branches can be used to initiate the application process for the FC Barcelona RAKBANK Platinum credit card.
  • Online: The FC Barcelona RAKBANK Platinum credit card application can also be completed online.

Once the RAKBANK credit card is received by the applicant they will be required to activate it. The activation process is a simple 3 part one and can be completed within the hour and from the applicant’s home itself.

Additional Information & Documentation

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 expatriates alike.
  • Passport & Visa: Non-UAE nationals will also have to submit a copy and originals of their passport and visa to initiate the FC Barcelona RAKBANK Platinum credit card
  • 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 proof of address. Applicants will be required to submit a valid form of address proof that is in their name.
  • Security Deposit: In order to avail of the credit limit on an FC Barcelona RAKBANK Platinum credit card, applicants will have to deposit a security amount. The security deposit amount is usually larger than the approved RAKBANK credit card
  • Trade License: RAKBANK credit card applicants that are self-employed will be asked to submit a trade license as well.

For more information on the FC Barcelona RAKBANK Platinum credit card application process, contact the RAKBANK customer support staff at (04)213-0000.

RAKBANK offers a host of customer support tools to make the RAKBANK credit cards even more accessible. Some of the most helpful FC Barcelona RAKBANK Platinum credit card tools are:

  • Online Banking: RAKBANK’s online banking portal can be used to perform every RAKBANK credit card operation from fund transfers to card repayments and a lot more. The RAKBANK credit card online banking portal can be accessed remotely anywhere in the world.
  • Mobile Banking: The FC Barcelona RAKBANK Platinum credit card operations can also be performed easily through any smartphone with the RAKBANK mobile banking app. The app is available on Android and iOS.
  • Rewards Calculator: Owners of the FC Barcelona RAKBANK Platinum credit card are enrolled into the RAKBarcaRewards program. To demonstrate the earning potential of this loyalty program, RAKBANK provides their FC Barcelona RAKBANK Platinum credit card members with a RAKBarcaRewards calculator. The calculator can be used to accurately estimate how many points the cardholder can potentially earn.
  • RAKdirect: The RAKdirect facility is a telephone banking service that is provided to RAKBANK credit card owners at no cost. Cardholders can contact RAKdirect support at (04)213-0000 or use the automated voice response system by dialling 600-54-4049. RAKdirect services offer a way to bank telephonically in a secure manner.

RAKBANK FC Barcelona Platinum Credit Card FAQs

Q.1. What are the fees on a supplementary RAKBANK FC Barcelona Platinum credit card?

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.

Q.2. Where can I check my rewards points?

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.

Q.3. Where can I make payments for my RAKBANK FC Barcelona Platinum credit card?

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

Q.4. How do I terminate my RAKBANK FC Barcelona Platinum credit card?

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.

Q.5. What do I do if my RAKBANK FC Barcelona Platinum Credit Card is stolen or lost?

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.