Republic Bank AAdvantage MasterCard Gold Credit Card

Now you can be part of the American Airlines AAdvantage® Travel Awards Programme. Earn unlimited AAdvantage miles plus get all the benefits of an International MasterCard! Republic Bank brings you a world of choices!

Credit Card Notice
As a result of the ongoing challenge with foreign exchange availability, effective immediately and until further notice, you can only use up to a maximum of US$15,000 or up to your credit limit if your limit is less than US$15,000, per statement cycle. This change does not affect transactions on the TT$ side of your account.


Republic Bank has the latest in credit card technology. Our Chip and PIN credit cards are the first with this technology to be introduced in the English-speaking Caribbean.

Chip and PIN technology has many benefits:
  • It reduces fraud, making credit card transactions more secure and enhances the overall customer experience.
  • The embedded microchip on the card stores data more securely, preventing it from being easily copied or altered.
  • The unique Personal Identification Number (PIN) means that only you can use your card and do so securely.
  • These cards are also globally accepted, including in Europe and in the UK.
  • Get up to 2,500 enrolment miles upon approval
  • Earn 1 AAdvantage® mile for every US$1.00/TT$7.00 you spend on purchases worldwide
  • No cap on the number if miles you can earn
  • AAdvantage miles do not expire provided that once every 18 months you earn or redeem miles with American Airlines or an AAdvantage participant. So using your Republic Bank/AAdvantage MasterCard Credit Card regularly, is the best way to keep your AAdvantage account active
  • Automatic enrolment in American Airlines AAdvantage® Programme
  • Republic Bank/AAdvantage MasterCard Credit Card cardholders enjoy exclusive lower rates when redeeming miles on car rentals and hotel stays at more than 10,000 locations in over 320 destinations worldwide
  • Cardholders earn destination miles, every time they fly American Airlines/American Eagle or any of the 20 partner airlines or patronise thousands of merchants across the globe including hotels, car rentals companies and restaurants.
  • Combine the miles you earn from flying with American Airlines and over 20 partner airlines and participating hotels and restaurants with those you earn with your Republic Bank/AAdvantage MasterCard Credit Card and fly faster
  • Access to exclusive discounts and promotions

* Applicable to new Republic Bank / AAdvantage MasterCard Credit Card Cardholders

You can get up to 50 days INTEREST-FREE CREDIT, if the outstanding balance is paid in full by the payment due date shown on the principal cardholder's current billing statement. Payment must be paid in full by the payment due date for two consecutive billing statements.

BalanceCover provides coverage for your credit card balance when you need it most.

You never think it will happen to you, but sometimes misfortune befalls the best of us.

Indeed, that very misfortune can create the Credit Card debt your loved ones may be responsible for afterwards or sometimes the unexpected can occur during a period of high Credit Card usage. That’s why you need BalanceCover.

BalanceCover from Republic Bank is a group coverage plan that covers your Credit Card’s outstanding balance and repays or reduces your Credit Card debt in case of death or disability. BalanceCover is great for everyday peace of mind and to safeguard your family.

BalanceCover Terms & Conditions
Coverage
  • Cardholders between 18 years – 65 years
  • All official cardholders on the same account are covered for the cost of one.
  • Premiums minimal, $4.40 per $1,000

Death Benefit
Each Insured Cardholder shall be covered for an amount equal to the Total Amount Outstanding on his/her Credit Card at the date of death.

Accidental Death Benefit
In the event of Accidental Death, an additional amount of $25,000 will be paid to the Insured Cardholder’s estate.

Disability

Temporary Disability
Temporary Disability shall mean that the Insured Cardholder cannot perform his occupation as a result of accidental bodily injury, sickness or disease. While receiving benefits for Temporary Disability, the Cardholder must present a Medical Certificate every three (3) months.

Total Permanent Disability
Total Permanent Disability shall mean the Insured Cardholder is in a state of total, permanent and irreversible incapacity and is continuously disabled as a result of sickness or injury and is unable to perform in any and every duty of any gainful occupation for which he/she is or may become reasonably qualified by education, training or experience, provided such disability existed continuously for at least six (6) months.

For more information on the terms and conditions and how to enroll, call 627-3348 or come into any of our branches.

Travel Assistance Services
As a Republic Bank/AAdvantage Gold MasterCard Credit Card cardholder you can rely on Travel Assistance Services when you're away from home. Travel Assistance is your guide to many important services you may need when travelling. Benefits are designed to assist you or your spouse/domestic partner and dependent children when you're travelling 100 miles (160 km) or more from home. This is reassuring, especially when you visit a place for the first time or do not speak the language.

Please keep in mind that Travel Assistance Services is not insurance coverage and that you will be responsible for the fees incurred for professional or emergency services requested of Travel Assistance Services (e.g. medical or legal bills).


Who Is Covered:
Republic Bank/AAdvantage Gold MasterCard Credit Card cardholders, their spouse/domestic partner and dependent children, whether travelling together or separately.


Where The Service Is Available:
In general, coverage applies worldwide but there are exceptions. Restrictions may apply to regions that may be involved in an international or internal conflict or in those countries and territories where the existing infrastructure is deemed inadequate to guarantee service. You may contact Travel Assistance Services prior to embarking on a covered trip to confirm whether or not services are available at your destination(s).


The Kind of Services You Receive:

Travel Assistance:
Before you begin your trip, Travel Assistance Services provides information on travel requirements, including documentation (visas, passports), immunisations or currency exchange rates. The exchange rate provided may differ from the exact rate that issuers use for transactions on your card. Information on exchange rates for items billed on your statement should be obtained from the financial institution that issued your card. In case of loss or theft of your travel tickets, passport, visa or other identity papers necessary to return home, Travel Assistance Services will provide assistance in replacing them by contacting local police, consulates, airline company or other appropriate entities. In the event of loss or theft of the transportation ticket to return home, a replacement transportation ticket can be arranged.

If you have a travel emergency and need cash, Travel Assistance Services can arrange to transfer up to US$ 5,000 from a family member, friend or business account.
  • Please note that this service does not provide maps or information regarding road conditions.

Medical Assistance:
  • Provides a global referral network of general physicians, dentists, hospitals, and pharmacies.
  • Provides help with prescription refills with local pharmacists (subject to local laws).
  • In the event of an emergency, Travel Assistance Services will make arrangements for a consultation with a general practice physician. Additionally, the Travel Assistance Services medical team will maintain contact with the local medical staff and monitor your condition.
  • If you are hospitalised, we can arrange to have messages relayed home, transfer you to another facility if medically necessary or have a family member or close friend brought to your bedside if you have been travelling alone (this will be at cardholder's expense).
  • If the Travel Assistance Services medical team determines that adequate medical facilities are not locally available in the event of an accident or illness, Travel Assistance Services will arrange for an emergency evacuation to a hospital or to the nearest facility capable of providing adequate care. If a tragedy occurs, we'll assist in securing travel arrangements for you and your travel companion(s).

Legal Referral:
Provides you with English or Spanish-speaking legal referrals or consultations with appropriate embassies and consulates regarding your situation. 

Will assist in transfers of up to USD 5,000 in cash from a family member, friend or business to cover legal fees or to
post bail. There is no charge for referral services. However, legal and bail fees are your responsibility.

For questions or to contact Travel Assistance Services call 1-800-MC-ASSIST or the specific MasterCard Global Service™ toll-free number for your country or call collect to the United States at 1-636-722-7111.

Purchase Protection provides reimbursement for theft and/ or accidental damage of purchased of the covered items. The covered purchase must be paid in full with the Mastercard Credit Account.

Core:
Up to US$ 200 per occurrence / US$ 400 per 12 months, up to 45 days after the covered purchase.

Extended Warranty provides extended coverage on the terms of the original manufacturer’s warranty on covered purchase up to 1 full year after both the original or store brand warranty plus the optional warranty coverage period ends, not to exceed 3 years. The covered purchase must be paid in full with the Mastercard Credit Account.

Core:
Up to US$ 200 per occurrence / US$ 400 per 12 months.

American Airlines reserves the right to change the AAdvantage® programme and its terms and conditions at any time without notice, and to end the AAdvantage® programme with six months’ notice. Any such changes may affect your ability to use the awards or mileage credits that you have accumulated. American Airlines is not responsible for products or services offered by other participating companies. For complete AAdvantage® programme details, visit www.aa.com/aadvantage. AmericanAirlines and AAdvantage are registered trademarks of American Airlines, Inc.

Hertz Discounts*

Get up to 15% discount on Hertz Rentals* (Available in the US, Europe, Latin America, Australia, New Zealand, Africa, Middle East and Japan – the discount may vary per country. Ensure that you have the special discount code and that bookings are made through Lazzari & Sampson.


COLFIRE Discounts

Discount is applicable once the individual is paying with his/her Republic Bank International Credit Card for their full annual premium with COLFIRE and that the Cardholder is also the Insured.

  • Get 20% discount when you pay with your Republic Bank Credit Card.
  • 20% Republic Bank Mortgagor Discount (client must have a vehicle loan with Republic Bank where a mortgage bill of sale (MBS) is held for the vehicle)
  • The cardholder’s name must match the name on the insurance policy.
  • The discount is facilitated if the payment is made through a COLFIRE Branch.
  • Discount is applicable to private vehicle insurances.

Please note however, that COLFIRE policyholders are entitled to their Safe Driver Discount (NCD) and any other three (3) discounts they qualify for (Republic Bank Credit Card discount included). For more information call: 800-QUOTE.


AEROPOST Discounts
  • A flat rate of Three United States Dollars and Fifty Cents (US$3.50) per pound for customers in Trinidad. Packages over 35 lbs will have a rate of Three United States Dollars (US$3.00) per pound for customers in Trinidad.
  • A Ten United States Dollars (US$10.00) discount coupon code with minimum purchase of Fifty United States Dollars (US$50.00) contained in the welcome email and valid for sixty (60) days to all new registrations using the landing page www.aeropost.com/republicbank
  • Waived “Service Fee” of US$2.50 per package for the duration of the agreement.
  • Free delivery within Trinidad of packages up to 150 pounds. Customers located in Tobago will be charged an additional flat fee of Five United States Dollars (USD$5.00) as a service charge for transfer of shipments to Tobago
  • No fee for extra delivery attempt
  • Free customers clearance for shipments with a CIF (Cost, Insurance and Freight) value of less than USD$1,000.00
  • Full Internet tracking capabilities
  • 48 Hour package turn over
  • Free Smart Phone App
  • Exclusive deals with leading brands through all inclusive shopping on Aeropost.com
  • Package protection under the Warranty & Returns program referred to in the Terms and Conditions in the Schedule below.
If an account is not utilized within six (6) months of entry into a contract with the Service Provider, the Service Provider reserves the right to close this account at the end of the sixth month upon ten (10) days’ notice in writing to the Credit Card Customer.

To sign up visit www.areopost.com/rbl
Massy United Insurance

Get up to 45% Discount from Massy United Insurance

  • 25% Republic Bank Credit Card Discount (client must pay premium with their Republic Bank International Credit Card)
  • 20% Republic Bank Mortgagor Discount (client must have a vehicle loan with Republic Bank where a mortgage bill of sale (MBS) is held for the vehicle)
  • Free Special Perils
  • Free United Assist (Roadside Assistance)
  • $3,000 free Windscreen cover (ALL private vehicles – New and Roll On Roll Off)
  • Free Hospitalisation Benefit
  • Limits of Liability – Twice legislative requirements
  • Private Rates for Private Use “T” Vehicles
  • Free Loss of Use in the First Year
  • No Claim Discount*

For more information, contact Massy United Insurance at
Tele: 625-0538/0317, 627-7530/7115
Email: Trinidad@massyunitedinsurance.com

*Subject to customary Underwiting Guidelines
Type of credit card Annual membership fee for main applicant Annual membership fee for co-applicant Card replacement fee lost/stolen /damaged
Republic Bank International Visa Classic Credit Card US$25.75 US$13.00 US$5.75
Republic Bank International MasterCard Classic Credit Card US$25.75 US$13.00 US$5.75
Republic Bank / TSTT International Visa Classic Credit Card US$25.75 US$13.00 US$5.75
Republic Bank International Visa Gold Credit Card US$34.50 US$23.00 US$5.75
Republic Bank / AAdvantage Standard Credit Card US$50.00 US$34.00 US$28.00
Republic Bank / AAdvantage Gold Credit Card US$60.00 US$40.00 US$28.00
Republic Bank / AAdvantage Visa Infinite Credit Card US$150 No charge US$50.00
Republic Bank International Platinum MasterCard Credit Card US$75.00 US$50.00 US$30.00
Republic Bank International Visa Platinum Credit Card US$75.00 US$50.00 US$30.00
Republic Bank International Visa Signature Credit Card US$100 No charge US$30.00
Interest rate 2% per Month
Over limit Fee* 5% of the amount in excess minimum US$10.00
Past due fee US$8.00 / TT$52.00
Cash advance fee 3 % of amount advanced

*This fee does not apply to Republic Bank International Visa Signature Credit Card

No interest will be payable on any amounts debited to the credit card account if the outstanding balance is paid in full by the payment due date shown on the principal cardholder's current billing statement. Payment must be paid in full by the payment due date for two consecutive billing statements.

Other fees associated with credit cards are available upon request.

What you will need

Before visiting our branches, ensure you have the following documents:

Main applicant and each co-applicant on the account

Copies of one (1) form of valid photographic identification - Passport, National Identification card or Driver's Permit (if it is expired, it is not valid). Please note that if the ID does not state the customer’s nationality we would require a secondary form of ID.
Salaried – Job letter (original- not older than 3 months) and copy of pay slip (not older than 3 month)
Self employed - up to date financial statements

  • Up to date Audited Financial statements (for the last 3 years) for the business or Management accounts (for the last 3 years) for the business
  • Statement of Affairs Form
  • Income and Expenditure Form
Copy of a utility bill in the applicant's name(not older than 3 months). Where the utility bill is not in the customer’s name, the customer can submit the lease agreement, where available, or a letter from the landlord/owner/parent addressed to the Bank confirming residency of the applicant.


Click here to download Conditions of Use

As at 10th January 2017, the following is the list of countries where sanctions have been imposed by the US Government and United Nations, as well as sanction regulations issued by other jurisdictions, that restrict the use of VISA/MasterCard products.

  • Burma (Myanmar)
  • Iran
  • Sudan
  • Syria
  • North Korea
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