|ICICI Bank Manchester United Credit Cards Rating
|Co-branded Benefits ★★★★
Rewards Program ★★★
Lounge Access ★★
Annual Fee ★★
Other Features ★★★
|Overall Rating ★★★
In association with Manchester United Football Club (MUFC), ICICI Bank has launched two credit cards named ICICI Bank Manchester United Signature Credit Card and ICICI Bank Manchester United Platinum Credit Card. These cards are suitable for those who enjoy football as a sport. Benefits such as a chance to see a Manchester United Premier League match at Old Trafford, England and a discount on Manchester branded goods can be availed with these cards. This might sound like a major win for the fans but there are limitations on it. Read the full review of ICICI Bank Manchester United Credit Cards to understand its pros and cons.
Key Highlights of ICICI Bank Manchester United Credit Cards
Benefits for the Fans of Manchester United
Both signature and platinum variant of ICICI Manchester United Credit Cards come with the following benefits for football fans:
- Platinum credit card – Users get a complimentary Manchester United Branded Football. Cardholders will receive the welcome gift on payment of joining fees and at least three transactions of at least Rs.1000 each, within the first three months on board.
- Signature credit card – 1 Manchester United (MUFC) holdall and 1 MUFC Football on the activation
- 10% discount on merchandise bought from Manchester United online store
- 10% discount on merchandise bought from Manchester United megastore at the stadium
- 10% discount at Red Café in Old Trafford, Manchester
- 20% discount on advance bookings to the Manchester United Museum and Tour
Manchester United Experience
- Top 100 spenders, across cardholders from both variants, will get Manchester United branded shirt every month
- The topmost spender every month, across cardholders from both variants, gets a signed Manchester United jersey and match ticket
- 10% discount on merchandise from the Manchester United online store
- Top 18 spenders get an exclusive fully paid Manchester United Experience with
- A private tour of the Manchester United Stadium and Museum
- The opportunity to watch a part of a training session of the First Team Squad
- A visit to the Manchester United megastore at the stadium
All these benefits are suitable only for Manchester United Fans. If you aren’t a MUFC fan or aren’t into football, then these benefits might not be of any use to you. Also, the free match ticket is given to the top 18 spenders. Because of this condition, most of the fans won’t be able to secure a ticket to the matches. Still, you may go for the card if you want the free merchandise. However, given the terms and conditions associated with the offer you will be better off buying the merchandise separately.
Reward Points on ICICI Manchester United Credit Cards
|2 PAYBACK Points per Rs. 100
|3 PAYBACK Points per Rs. 100
|2 PAYBACK Points per Rs. 100
|4 PAYBACK Points per Rs. 100
|Transactions made on Manchester United match days
|3 PAYBACK Points per Rs. 100
|5 PAYBACK Points per Rs. 100
Airport Lounge Access
The Visa Lounge Access differs on the two credit cards. They are given in the following manner:
- Manchester United Signature Credit Card – 2 free accesses to domestic airport lounges per quarter.
- Manchester United Platinum Credit Card – 1 free access to domestic airport lounges per quarter.
Other Common Benefits
The common privileges extended to cardholders of both the variants are:
BookMyShow/INOX Offer – Avail 25% discount capped up to Rs.100 on purchase of a minimum of two tickets per transaction. This benefit can be availed two times a month on BookMyShow and Inox individually.
Culinary Treats Program – Save up to 15% on dining bills at over 2,500 partner restaurants in India.
Fuel Surcharge Waiver – Get 1% fuel surcharge waiver on fuel purchases below Rs. 4,000. This offer can be availed at only Hindustan Petroleum (HPCL) Fuel Pumps.
The benefits associated with the Platinum variant, as compared to other cards in the same fee range, are good enough. The signature variant, on the other hand, fares poorly when compared to other credit cards in its category. The signature variant’s annual fee is Rs. 2,500 and, for this annual fee, credit cards usually offer international lounge access, free Priority Pass Membership, concierge service and much more.
Besides this, the signature credit cardholders don’t get many benefits over the platinum edition.
What can you do with the Reward Points?
PAYBACK offers lots of variety to its users against which one can redeem the PAYBACK points. You can convert the reward points into Airmiles or redeem them against specific partner stores. The top categories against which you can redeem your reward points are:
Instant Vouchers – Redeem PAYBACK points against vouchers from brands such as Amazon Gift Card, Flipkart, BookMyShow, Clear trip, Big Bazaar, Kalyaan Jewellers, Lifestyle, Shoppers Stop, and Brand Factory.
Upon redemption, you will get a voucher and other offers as well. Terms and conditions applied.
Rewards Catalogue – You can redeem the points against various categories in the catalogue such as Air Miles, Electronics, Movies & Tablets, Fashion & Lifestyle, Health & Beauty, Books & Stationery, Bags & luggage, Charity, Home & Kitchen, and MUFC Merchandise.
In-store and Offline Partners – You may also redeem points directly at stores including Big Bazaar, Central, Hindustan Petroleum Fuel Stations, Brand Factory, Home Town, and Fbb – Fashion at Big Bazaar.
Should You Apply for ICICI Bank Manchester United Credit Cards?
The ICICI Bank Manchester United credit cards are for MUFC fans as the value of the cards comes from its association with the football club. Fans of the club will definitely love this but other users won’t find much use of the card.
A point to remember is that the free match ticket is given to the top spender. Therefore, most users won’t be able to get a ticket. On top of this, even if you get a free ticket you will have to foot the travelling expenses. The match ticket prices start from around Rs. 3,000 and may go up to about Rs. 6,000 whereas a round trip from Delhi to Manchester England may cost you upwards of Rs. 60,000. So, even the free match ticket starts to lose its attraction when you take into account all the additional expenses. So the free match ticket will only be beneficial if you happen to be in Manchester, England on the day of the match which is a distinct possibility.
Given all this, you may still apply for the card if you are truly a fan of Manchester United Football Club and want to show your support. Otherwise, we would not recommend these credit cards for shopping, travel or any other purpose. We suggest you identify what type of spends you generally make and then go for a credit card that best rewards it.
Which Credit Card to go for?
The cards differ in the lounge accesses that they provide and the PAYBACK points offered. The difference in PAYBACK points earned is almost negligible if you don’t spend a lot via the cards. The difference in the lounge accesses won’t matter too if you don’t frequently travel domestically.
Moreover, for the top spender rewards, both Platinum Card users and Signature Card users are put in the same pool. Since the Signature Card can be availed by people with high income, they are also likely to spend more on the card. In such a scenario, Platinum Cardholders (people with lower income at hand and lower spending on the card) have a meagre chance of making it to the list of Top Spenders.
If you are looking for a new credit card and would not be looking forward to the top spender rewards, the Platinum variant can be a better choice than the Signature edition. On the other hand, if you believe you can easily spend Rs. 2.50 lakh in an anniversary year then you may choose the Signature variant as you won’t have to pay the annual fee along with getting certain extra privileges.
Drawbacks of Manchester United Credit Cards
The main selling point of the card is that it has a Manchester United Football Club’s branding. There are other features as well but those fall short when compared to other cards in the market. The most prominent flaws with the card are:
- The match ticket and free signed jerseys are given to top spenders. The bank could have at least given the ticket and jersey randomly to cardholders
- The lounge access is limited only to the domestic lounges and there are no international lounge visits
- The waiver condition for Manchester United credit cards is quite high
A comparison of few credit cards along with their annual fee, waiver conditions and top features is given below:
|Manchester United Credit Cards
|Kotak PVR Gold/Platinum
|Platinum – Rs. 499
Signature – Rs. 2,499
|Titanium – Rs. 500
Platinum – Rs. 1,000
|Gold – Rs. 499
Platinum – Rs. 999
(Amount must be spent in an anniversary year)
|Platinum – Spend Rs. 1.25 lakh
Signature – Spend Rs. 2.50 lakh
|Titanium – Spend Rs. 1.50 lakh
Platinum – Spend Rs 2.50 lakh
|Get a free ticket to Manchester United’s home Match
Free Jersey, hold all or MUFC football. T&C apply
Welcome Benefits that regularly change
|Get up to 2 free PVR movie tickets on reaching a specific spend Milestone
Suggested Read: Top Entertainment credit cards in India
The Manchester United credit cards can be enjoyed mostly by fans of the football club. As there are no other MUFC credit cards in the market you can choose amongst the two. The card does provide other benefits; but, given its annual fee and waiver conditions, the card is not at all a good match for the non-MUFC fans.