Republic Bank International VISA Platinum Card

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 Platinum 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.

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.

Republic Bank Visa Platinum Credit Card cardholders get auto rental Insurance at no additional cost each time they rent an automobile using their Republic Bank Visa Platinum Credit Card card. The cardholder must decline the Collision Damage Waiver (CDW/LDW) or similar coverage offered by the auto rental company. Coverage is offered by Chartis AIG and covers Republic Bank Visa Platinum Credit Card cardholders up to the actual cash value of the vehicle, the cost of repairs or replacement value of the rental vehicle while said vehicle is in the cardholder’s possession.

The following specific costs are included in the policy:

• Damage due to collision
• Theft of vehicle and related charges
• Malicious vandalism charges
• Loss due to accidental fire as long as the liability rests with the cardholder

To be eligible for this insurance coverage:

• Republic Bank Visa Platinum Credit Card Credit Cardholders must reserve and pay for the entire cost of the auto rental with their Republic Bank Visa Platinum Credit Card Credit Card
• All drivers authorised to operate the rental vehicle in accordance with the rental car agreement should be covered.
• No person other than the cardholder or other authorised drivers shall have any legal or equitable right, remedy, or claims of insurance proceeds and/or damages under or arising out of this coverage.

If you are unable to decline the auto rental company coverage, the coverage will be “secondary” to the auto rental company coverage and will be responsible for any gap between the auto rental company coverage and the damages for which you are responsible.

For more detailed information visit www.visa-platinum.com

1. Emergency medical expenses, which are incurred for treating an accident or medical emergency;
2. Emergency dental treatment expense, which arises from an accidental injury to healthy and natural teeth;
3. Prescription expenses, prescribed by a licenced physician, which are incurred for treating an accident or medical emergency* that is covered under IEMS.
4. Pre-existing conditions.
5. Complications due to pregnancy, childbirth, miscarriage or abortion.
6. Treatment and/ or complications relating to HIV or AIDS.

1. Emergency medical evacuation;
2. Repatriation of mortal remains;
3. Repatriation of beneficiary;
4. Early return or extended stay;
5. Return of an elderly dependent or economic dependent;
6. Convalescence;
7. Companion to bedside.

Please be aware that the benefit amounts for the IEMS are different and that there are restrictions of services and benefits related to international sanctions laws before planning your trip. If you have any questions as to the availability of services prior to your trip, please contact us at our customer center telephone numbers 1-800-396 9665 (USA and Canada), and 1-303-967-1098 (other countries). Calls can always be made by collect call.

*Emergency as described above.

Republic Bank Visa Platinum Cardholders who purchase the full cost of their international tickets with their card are eligible for this benefit. Conditions are only valid for an eligible trip for up to sixty (60) consecutive days from the departure of country of residence or country of card issuance of such eligible trip.

For more details visit - www.visa-platinum.com

Visa Luxury Hotel Collection, a hand-selected portfolio developed exclusively for Visa Platinum, Visa Signature and Visa Infinite cardholders, comprises some of the world's most intriguing and prestigious properties. Gathered together by Visa invitation and appraised annually, all properties, from boutique gems to world-famous hotels, provide guests an exclusive, unique collection of benefits, specially designed to offer an unparallelled experience.

• Visa Luxury Hotel Collection offers Republic Bank Visa Platinum cardholders the most complete benefit programme for the world's best hotels:
• The best available rate
• Automatic room upgrade upon arrival when available
• Complimentary continental breakfast
• 3pm check-out when available
• VIP guest status
• $25 food or beverage voucher
• Free in-room internet or valet parking
• Personal Concierge Service which provides the cardholder with information and assistance he or she may require when travelling. This is available 24/7, 365 days a year. Services provided include shipping gifts, purchasing tickets, reserving rooms, renting vehicles or obtaining reservations at the best restaurants.

Visa Concierge Service provides you exceptional services for free and in your language so you can save valuable time and money. Use it to confirm flights, reserve a table in the best restaurant of the city or send gifts to the family. Call your Personal Assistant Visa Concierge directly from the phone number shown in the back of your card or call the Visa Platinum Assistance Center.

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.

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 Platinum 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 500 per item – Maximum of USD 2,000 per account per 12-month period. The price difference must be above USD 25 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.

Republic Bank Visa International Platinum Credit Card cardholders with this coverage can benefit from the security and safety offered through Visa Purchase Protection, an insurance programme. If something you bought with your card is damaged or stolen within 180 days of purchase, chances are you’re protected.Most new purchases are covered against theft or damage for a full 180 days from the date of purchase.

For more information visit www.visa-platinum.com

As a Republic Bank Visa International Platinum Credit Card cardholder with this benefit you have Extended Warranty protection which doubles the free repair period under the original manufacturer’s written repair warranty or store warranty up to one additional year on eligible products with manaufacturer’s warranties of three months or more, or three years or less. The item must be purchased entirely with your eligible Visa card.

For more information visit www.visa-platinum.com

• 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.