The FAB Manchester City Titanium Credit Card, offered by First Abu Dhabi Bank (FAB), is a specialized financial product tailored for fans of Manchester City Football Club. It blends typical credit card features with exclusive football-related perks, providing a unique value proposition for dedicated supporters. Here’s a detailed review of its features, benefits, and potential drawbacks.
Key Features and Benefits
1. Manchester City FC Benefits
- Merchandise Discounts: Enjoy a 10% discount on products bought at the Etihad Stadium retail store and on programs at City Football Schools UAE.
- Priority Ticket Access: Cardholders receive priority access to purchase tickets for Manchester City matches.
- Exclusive Club Experiences: Opportunities to participate in raffles to win trips to the Etihad Stadium, meet-and-greet events with players, and other exclusive experiences.
2. Rewards Program Cardholders earn FAB Rewards points on their spending, which can be redeemed for various rewards:
- Domestic Purchases: Earn 1 FAB Rewards point for every AED 1 spent.
- International Purchases: Get 2 FAB Rewards points for every AED 1 you spend abroad.
3. Lifestyle Benefits The card provides numerous lifestyle benefits:
- Dining Offers: Exclusive discounts at a wide range of restaurants.
- Shopping Discounts: Special deals at various retail stores and partner merchants.
- Entertainment Deals: Discounts on movie tickets, events, and other entertainment activities.
4. Travel Benefits
- Airport Lounge Access: Complimentary access to over 10 VIP lounges in the UAE, KSA, Jordan, Kuwait, and Egypt.
- Car Rental Discounts: Up to 15% off car rentals in Europe, the Middle East, Africa, and Asia, and up to 12% off in the United States and Canada.
5. Financial Flexibility
- Easy Payment Plans: Convert large purchases into easy installment plans at competitive interest rates.
- Balance Transfers: Transfer balances from other credit cards to the Manchester City Titanium Credit Card at favorable rates.
6. Security Features
- Enhanced Security: Chip-and-PIN technology, continuous fraud monitoring, and secure internet purchases.
- Fraud Liability Coverage: Protection from unauthorized transactions, with zero liability for fraudulent charges.
7. Customer Support
- 24/7 Assistance: Round-the-clock customer service for any concerns or queries.
- Concierge Services: Assistance with travel bookings, event planning, and more.
Fees and Charges
- Annual Fee: There is no annual fee for the Manchester City Titanium Credit Card.
- Interest Rate: 3.75% per month on carried balances.
- Foreign Transaction Fee: 2.99% on purchases made outside the UAE.
- Late Payment Fee: AED 241.50.
Eligibility and Application Process
To be eligible for the Manchester City Titanium Credit Card, applicants must have a minimum monthly income of AED 5,000. The application process is simple and can be started online or at any FAB branch. You’ll need to show proof of income, copies of your passport, and residency visas if you’re an expat. Once the application is submitted, FAB conducts a credit assessment, and upon approval, the card is issued.
Pros and Cons
Pros:
- Exclusive Manchester City Benefits: Discounts on merchandise, priority ticket access, and unique club experiences.
- Rewards Program: When ever you buy things with this card you earn FAB Rewards points.
- Lifestyle Benefits: Access to dining, shopping, and entertainment discounts.
- Financial Flexibility: Easy installment plans and balance transfer options. 0% on Al Futtaim and Amazon.ae spends.
- Security: Advanced security features and fraud liability coverage.
- Customer Support: Round-the-clock customer service and concierge assistance.
- No Annual Fee: No annual fee, making it cost-effective for cardholders.
Cons:
- Salary Needed: You need to be earning at least AED 5,000 monthly.
- Interest Rates: 3.85% per month on carried balances, which can accumulate if not paid off monthly.
- Foreign Transaction Fees: 2.49%+transaction fee on international purchases.
- Redemption Limitations: FAB Rewards points expire after 3 years, requiring timely redemption.
Conclusion
The FAB Manchester City Titanium Credit Card is an excellent choice for dedicated fans of Manchester City Football Club, offering exclusive perks and rewards that enhance the fan experience. Alongside football-related benefits, the card provides a robust rewards program, lifestyle privileges, and financial flexibility. However, potential cardholders should consider the income requirements and interest rates before applying. Evaluating the pros and cons against personal financial needs and spending habits is crucial in determining if this card is the right fit. For Manchester City fans, the unique benefits and experiences provided by this card can make it a valuable addition to their wallet.