Republic Bank International Visa Gold

Earn Cash Back every time you use your Republic Bank Credit Card! The more you use your Republic Bank Credit Card, the more Cash Back you earn and the more you save!

For every TT$50.00/US$15.00 spent, you earn TT$0.40. With no restrictions or expiration dates, there is NO LIMIT to the amount of Cash Back you can earn! Enjoy the convenience of using your Cash Back anywhere your credit card is accepted.

Cash Back Rewards will be applied to your credit card account every three (3) months

• March
• June
• September
• December

Please refer to the FAQs for any questions or concerns you may have regarding the amendment to the credit card reward programme.

The new Contactless feature allows you to conduct purchases TT$300 and under, with your credit card, without having to give it to anyone to complete your transaction.

Our Republic Bank International Visa Gold has already been enabled with this new feature and will be available to new customers, as well as existing cardholders upon renewal or replacement of their credit card.

• Your card never leaves your hand.
• You don't need to touch the point-of-sale terminal.
• It makes the transaction faster.

For further information regarding contactless transactions, please see our FAQs here.

The Visa Price Protection Programme helps you get the best price you can find on most products you buy with your Republic Bank International Visa Gold Credit Card. Simply pay for the entire cost of the product with your credit card and if, within 30 days of the date you purchased the product, you see either a printed advertisement or non-auction internet advertisement for the same product (same model number and same model year) by the same manufacturer, in the same market*, for a lower price, Visa will refund you the difference, up to USD$400.00 per account per 12-month period. The price difference must be above USD25.00 this coverage to apply. Conditions apply.

*Same market is defined as same country and within 100 kilometers of point of purchase. For the US, it will mean the 48 contiguous states. Alaska, Hawaii and other US territories will be treated separately.

Click here for more information

Visa Purchase Protection up to US$1,000.00 per account per year

Republic Bank International Visa Gold Credit Card cardholders can benefit from the security and safety offered through the Visa Purchase Protection Insurance Programme, if something you bought with your card is damaged or stolen within 180 days of purchase.
Most new purchases are covered against theft or damage for a full 180 days from the date of purchase. Conditions apply.

Click here for more information.

Extended Warranty Protection up to US$5,000.00 per account per year

Republic Bank International Visa Gold Credit Card cardholders can benefit from Extended Warranty Protection, which doubles the free repair period under the original manufacturer’s written repair warranty or store warranty up to 1 additional year on eligible products with manufacturers warranties of 3 months or more, or 3 years or less.
The item must be purchased entirely with your eligible Republic Bank International Visa Gold Credit Card. Conditions apply.

Click here for more information.

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.

Your Republic Bank International Visa Gold Credit Card gives you peace of mind and saves you money by providing this free insurance coverage every time you use your card to rent a car.

What are the benefits and who is covered?
This coverage applies anywhere in the world, including your country of residence in Latin America and the Caribbean (where allowed by local laws) and will be in effect while the vehicle is in the possession of any authorised driver specifically mentioned in the car rental agreement.

Coverage also applies to car rentals that are redeemed with points generated through Visa card loyalty programmes, provided all taxes and surcharges are paid with the Republic Bank International Visa Gold Credit Card.

What types of rental vehicles are covered?
Most rental automobiles are covered, including some luxury vehicles such as BMW and Mercedes Benz. If you have any questions regarding a specific vehicle, call the Visa Customer Service Center.

What is the first thing I should do if I am involved in an accident or the rental car is stolen?
Speak to the car rental company and be sure to obtain a copy of all documents related to the accident or theft, including the accident report form, a copy of the car rental agreement (front and back), police report (if any) and any other pertinent documents.

What do I need to do to submit a claim to Visa?
You must notify Visa within 30 days or your claim will not be processed. In addition to all documents indicated above, you must submit proof that the full price of the car rental was paid with the International Visa Gold Credit Card.

Visa does not provide insurance. Insurance is provided by third parties. For definitive information about the scope and limitations of each insurance product, please refer to the policy issued by the insurer.

• Notify Visa within 30 days
• Submit copy of all documents related to the accident or theft
• Submit proof that the full price of the car rental was paid with the International Visa Gold Credit Card

BalanceCover provides credit card coverage when you need it most!

Republic Bank BalanceCover 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 safeguarding your loved ones.

Our BalanceCover portal makes it easy to enrol, so there’s no need to leave the comfort of your home!

• Cardholders between 18 years – 65 years
• Guaranteed coverage up to age 75
• All official cardholders on the same account are covered for the cost of one
• Monthly premium minimal of $0.44 per $100 outstanding (applicable to both TT$ and US$ sides of the credit card account) on the credit card statement. So, if the outstanding balance on your statement is TT$3,000, you will only pay TT$13.20 for coverage
• Please note that applicants must be less than 65 years of age and the coverage will be automatically terminated when the applicant, or any of the co-applicants, attains the age of 75

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 enrol click here or call 627-3348.

• 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.