Republic Bank International VISA Platinum Card

Welcome to the exclusive realm of Republic Bank International Visa Platinum cardholders: a realm of limitless possibilities, privileges, rewards and personalised service.

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.

You can earn Bonus Points every time you make purchases with your Republic Bank Credit Card. The more you use your Republic Bank Credit Card, the more Bonus Points you accumulate and the more Bonus Points you have, the more you save!

Get the flexibility to redeem your Bonus Points for travel on any airline at any time or for rebates and discounts at over 400 merchant outlets for: furniture & appliances, medical assistance & supplies, gym membership, warehouse shopping, utilities, department stores, shoe stores, jewellery, gifts, perfumeries, restaurants and much more!

Get one (1) Bonus Point for every TT$50/US$15 spent. Plus, Republic Bank Bonus Points are valid for three (3) years!

You can receive up to 50 days' interest free credit once your credit card balance is paid in full by the payment due date for two consecutive months.

What are the benefits and who is covered?
  • When you pay the full price of your tickets with your valid and active Republic Bank International Visa Platinum Credit Card, you, your spouse and dependent children under 23 years of age are automatically covered for up to US$ 500,000 each in case of death or accidental injury while under the responsibility of a commercial carrier with a valid licence to transport passengers by air, water or land.
  • Coverage also applies to tickets that are redeemed with points generated through Visa card loyalty programmes, provided all taxes and surcharges are paid with the Visa Platinum card. It is not necessary for the spouse and children to be travelling with the cardholder to be considered insured persons.

Who receives the benefit for loss of life?

The benefit for loss of life will be paid to the beneficiary designated by the insured or if there is no such designation, to the first surviving beneficiary scheduled on the policy.


What do I need to do to submit a claim to Visa?

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.

If you have question regarding this programme, contact the Visa Assistance Center.

If you wish to file a claim, please send the completed form with the required documentation to the benefit administrator to the following address:
AIG Property Casualty, Inc.
c/o AXA Assistance
Maipú 255 Piso 17
C1084ABE, Buenos Aires, Argentina

Beneficiaries should give notice of the loss within 90 days, or “as soon as reasonably possible”. Upon receipt of complete and acceptable proof of loss for a valid claim, the company will send payment to the insured within ten (10) business days.

Coverage for up to the full cost of repair or replacement of a rental vehicle. Applies anywhere in the world.

Your Republic Bank International Visa Platinum 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 anywhere in the world, including your country of residence.

What are the benefits and who is covered?
  • documented valid loss-of-use charges imposed by the car rental company

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 Visa Platinum 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?
Visa does not provide insurance. Insurance 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.

How do I make a claim?
  1. Submit copy of all documents related to the accident or theft
  2. Submit proof that the full price of the car rental was paid with the Visa Platinum card

Coverage for you, your spouse and children- US$25,000 each Travelling without medical coverage can lead to a real nightmare. That is why it's great to know Visa Platinum can take care of unforeseen medical expenses by providing a wide range of emergency medical coverage that not only protects you and your loved ones while travelling but also your family's assets.

What are the benefits and who is covered?
  • When you pay the full price of your international travel tickets with your valid and active Visa Platinum card, you, your spouse and dependent children under 23 years of age are each automatically covered for a wide range of medical services with no deductible, up to a maximum of US$25,000 each while travelling abroad.
  • Coverage also applies to tickets that are redeemed with points generated through Visa card loyalty programmes, provided all taxes and surcharges are paid with the Visa Platinum card. It is not necessary for the spouse and children to be travelling with the cardholder to be considered insured persons.
  • The emergency medical assistance coverage applies during international trips not exceeding 60 days and to medical conditions that are not pre-existing. The emergency must occur while travelling abroad to be considered covered.

Does this coverage apply to a pre-existing medical condition?
Pre-existing medical conditions are not covered. When the injury or illness has already occurred or was diagnosed by a physician within 90 days before the trip date, this is considered a pre-existing condition. If the condition has been under control with the use of medication during the period of 90 days before the trip date and there is no medical restriction for travelling, it is not considered a pre-existing condition.


What is the first thing I need to do in case of an illness or injury while traveling?
The first thing you should do is call the Visa Customer Service Center immediately. The Center will recommend the best physician or hospital available to take care of the emergency and who speaks your language. It will also recommend physicians and nurses available to supervise and ensure you receive adequate medical care. In many cases, the Center can even pay the charges for the medical services it coordinates. If you choose to contact a duly licensed physician who is accredited by a local hospital, be sure to keep all receipts for medical expenses to be able to claim reimbursement.


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 proof that your tickets were paid with the Visa Platinum card, you will be required to submit copies of any payment receipt or itemised invoice of the physician or hospital that provided the services as well as copies of all medical records.

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.

Exclusive Benefits
  • 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 balance coverage for your credit card outstanding balance and repays or reduces your credit card debt in case of death or disability.

How it works
  • No occupational limits
  • No medical exams
  • All official cardholders on the same account are covered for the cost of one

Key Benefits
  • Coverage from 18-70years
  • Premiums minimal, $4.40 per $1,000
  • $25,000 lump sum payment in the event of accidental death

Death benefit
Each insured cardholder shall be insured for the 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. For more information on the terms and conditions and how to enrol, call 627 3348 or come into any of our branches.

*Special Conditions apply.
HERTZ # 1 Club Gold

Free Life time membership in Hertz #1 Club Gold which saves you US$60.00

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).


AEROPOST Discounts

Exclusive Offer to Republic Bank Credit Cardholders

  • US$3.00 Flat Rate (per pound)
  • US$1.95 per pound (packages 35lbs and up)
  • 24/7 Online Tracking
  • Free Delivery (visit www.areopost.com/rbl for more information)
  • Free Smartphone App
  • Free Returns
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

2 Copies of valid photographic Identification - Passport, National Identification card or Drivers Permit (if it is expired it is not valid)
Salaried - Copy of Job Letter and Pay slip (not older than 1 month)
Self employed - up to date Financial Statements/tax returns
Copy of a Utility Bill in the applicant's name


Click here to download Conditions of Use

As at April 2016, 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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