Republic Bank International Visa Signature Credit Card

Welcome to the exclusive realm of VISA Signature cardholders: a realm of limitless possibilities, privileges, prestige and personalised service, brought to you by Republic Bank.

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.

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.

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 International Visa Signature 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.

Personal Assistant: Visa Concierge
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.

When you travel with a Republic Bank International Visa Signature Credit Card, you can count on automatic and complimentary protection in case the transportation company has a delay delivering your luggage. This insurance covers any luggage that is delayed in its delivery while it is under the custody and control of a registered airline under OAG (Official Airline Guide) or any other means of commercial travelling, terrestrial or marine, that operates under a valid licence to transport passengers.

SERVICE AND MAXIMUM BENEFIT COVERED EXPENSES

Medical and Dental Care
USD30,000

Physician, hospitalisation, radiology services, anaesthesia, laboratory tests, ambulance service, therapies and medical services ordered by a physician that is duly licensed and authorised to practise medicine at the location where the emergency treatment is provided for an illness or accidental injury that occurred during the course of a covered trip and is not due to a pre-existing condition, including:  
USD 1,000 for dental care
USD 1,000 for prescriptions 
USD 1,000 for legal expenses
USD 1,000 for convalescence care 
(USD 200/day for up to 5 days) 
There is no deductible.

Schengen Certificate
€ 30,000

If you want this medical coverage certificate required to travel to European Union countries participating in the Schengen Treaty emailed or faxed to you at no additional cost, please contact the Visa Signature Customer Service Center.Visit www.visa-signature.com for details on how to request a Schengen certificate.

Trip Interruption*
USD 1,000

Losses due to prepaid travel and/or lodging when a covered trip is interrupted due to serious illness or injury or due to the unexpected death of an insured, a travelling companion or immediate family member.

Family Member Travel*
USD 10,000

The cost of an economy class air ticket for a family member in the event the cardholder is hospitalised for more than 5 days due to an illness or injury that occurred during a covered trip.

Emergency Medical Evacuation*
USD 100,000 worldwide
€ 30,000 in European countries participating in the Schengen Treaty

Expenses incurred for special transportation by land, water or air and in an ambulance during a covered trip in the event of an illness or injury, the severity of which requires the immediate transfer of the insured to the nearest hospital or medical centre that has adequate facilities to provide emergency treatment. The coverage also applies if after being treated at a local hospital, the physician authorises the insured's transfer to his or her country of residence to receive adequate care. A duly licensed physician must certify that the severity of the injury or illness warrants such emergency medical evacuation.

Early Return*
USD 10,000

The additional charge imposed by the airline for the ticket change requested for the early return of the insured, a travelling companion or immediate family member due to a serious illness or injury. If the ticket is not reimbursable and there is no way to change the flight, this benefit will cover an economy class ticket whose cost is lower than the maximum benefit indicated herein.

Return of an Elderly Travelling Companion or Minor*
USD10,000

The cost of an economy class air ticket for an elderly travelling companion or minor to return home in the event the cardholder is hospitalised for more than 5 days due to an illness or injury that occurred during a covered trip.

Repatriation of Mortal Remains*
USD 100,000

Usual and customary expenses to repatriate mortal remains in the event of the unexpected death of the insured during the course of the trip. For your own protection, we recommend you call the Visa Signature Customer Service Center immediately and have the Center coordinate the repatriation, since the rates you can obtain on your own might be considerably higher than the usual and customary rates. Since only usual and customary expenses are covered, if the rates are higher than the rates that are considered reasonable and customary for this service, the excess will not be covered.

*VERY IMPORTANT: Please bear in mind that the Visa Customer Service Center must provide prior approval and coordinate the necessary services. This is a requirement for you to receive this coverage.

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 your Republic Bank International Visa Signature Credit Card.


What types of rental vehicles are covered?
When you use your Republic Bank International Visa Signature Credit Card to book a car and pay the full price of the rental, you are covered by this insurance. To access this coverage you must decline the Collision Damage Waiver (CDW/LDW) or similar coverage offered by the car rental company in its rental agreement.

The Auto Rental Insurance covers up to the full cost of repair or replacement of a rental vehicle in the event of:
  • damage due to collision or theft of the vehicle
  • malicious vandalism against the car
  • 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 authorized driver specifically mentioned in the car rental agreement. Coverage will expire as soon as the rented vehicle is returned to the car rental company or 31 days after the date of rental.

Coverage also applies to car rentals that are redeemed with points generated through Visa card loyalty programs, provided all taxes and surcharges are paid with your Republic Bank International Visa Signature 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 Visa Signature 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.

Satisfaction Guarantee provides you with a money-back guarantee on most products you buy with your Republic Bank International Visa International Signature Card. Simply pay for the entire cost of the product with your Republic Bank Visa International Signature Card and if, within 30 days of purchase, you are dissatisfied with the purchase and the merchant will not accept a return on the item, Visa International will cover the return up to $250 per item and $1000 per cardholder per twelve month period. Payment is net of any applicable taxes, storage, shipping, handling and postage charges.

When you pay the full price of the items you purchase with your valid and active Visa Signature card, you are automatically covered at no cost to you by the Extended Warranty coverage. This extends the manufacturer's warranty or repair period for up to an additional year for new products you purchase for your personal use or as a gift. These products must be covered by an original written manufacturer's warranty for three years of less which is valid in the country where the item was purchased. The insurance covers the cost of replacement or effective and reasonable repairs made by a manufacturer authorised by the provider up to a maximum of USD5,000 per claim and USD25,000 per year.


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 the item was purchased with your Visa Signature card, you must provide a copy of the manufacturer's written warranty and the product description and serial number, as well as a copy of any other applicable warranty and any other documentation that may be necessary or relevant.


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.

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 Signature Credit Card, you, your spouse and dependent children under 23 years of age are automatically covered for up to USD1,000,0000 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 Signature card. It is not necessary for the spouse and children to be travelling with the cardholder to be considered insured persons.

The benefits provided by this insurance in the event of death or accidental injury while the insured is travelling in a common carrier are as follows:

100%

Accidental death

100%

Accidental loss of both hands or both feet, accidental loss of the sight of both eyes, accidental loss of speech and hearing from both ears, accidental loss of one hand and one foot or accidental loss of one hand and one foot plus the sight of one eye

50%

Accidental loss of one hand or one foot, accidental loss of sight of one eye or accidental loss of speech or hearing from both ears

25%

Accidental loss of thumb and index finger in the same hand

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?
You must report the loss to Visa within 90 days from the date the incident occurred or as soon as it is reasonably possible, or your claim will not be processed. In addition to proof that your tickets were paid with the Visa Signature card, you must submit any other documentation that is necessary or relevant to support the claim.

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.

  • The Price Protection programme helps you get the best price you can find on most products you buy with your Republic Bank International Visa Signature Card. Simply pay for the entire cost of the product with your Republic Bank International Visa Signature card and if, within 30 days of the date of purchase 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 for a lower price, you can be eligible for a refund for the difference, up to $250 per item (up to a maximum of $1000 per cardholder per twelve month period). Advertisements must be published or posted after the date you purchased your product with your Republic Bank Visa International Signature Card to qualify for Price Protection coverage. Coverage automatically ends 30 days after the date the product was purchased. No registration is necessary.
  • All claims must be initiated within 24 hours of discovery of a printed advertisement or non-auction internet advertisement showing the lower price.
  • This coverage is secondary, over and above any amount due from any valid merchant lowest price guarantee.

Automatic complimentary coverage for damage or robbery for a 90 day period. This runs from the date of purchase for most of the new products and items acquired with Republic Bank International Visa Signature Credit Card for your own use or as a gift. The insurance covers the cost of purchased item (excluding the costs from delivery and transportation) up to a maximum of US $5,000 per year.


Lost Luggage Insurance –Up to US$1,000
The insurance covers any luggage that is lost due to robbery or shipment to an erroneous destination while it is under the care and control of a common transportation carrier. The carrier refers to any method of transportation by earth, water or air that operates with a valid licence to transport passengers in exchange for the payment of a fee. This insurance includes your spouse and children younger than 23 years who depend economically on you.


Traveling Information Center
Free assistance services so you can travel safer and save time and money. You can receive information and assistance 24/7 by calling the numbers on the back of your card or the Visa Signature Assistance Center.


Assistance before your trip
Get information about the destinations that you would like to visit, visa and passport requirements, sanitary precautions and immunisations, currency rates and the location of ATMs. Also, you can get information about the weather, special events and places of interest. If you have any special medical needs, the Visa Signature Assistance Center can help you make the necessary arrangements in advance.


Assistance in the event of legal emergencies
If you need legal assistance because you are detained by the authorities, you get involved in a traffic accident or for any other reason, the Visa Signature Assistance Center can put you in contact with lawyers and with the embassy or consulate of your country. They can also make the necessary arrangements to contact your relatives and/or business associates. If required, they can coordinate the payment of bails by transferring funds from a personal account or from your Republic Bank International Visa Signature Credit Card.


Urgent replacement of travel tickets
If you lose your travel tickets, the Visa Signature Assistance Center can manage the replacement and shipment of new tickets and assist you with the procedures to request the reimbursement of the lost tickets.


Messaging service in the event of an emergency
The Visa Signature Assistance Center provides a 24 hour telephone service to hold and transmit emergency messages to travellers, immediate family members or business associates.


Assistance with lost luggage
If the airline loses your checked luggage, the Visa Signature Assistance Center will immediately make the necessary arrangements to send your articles of first necessity and a cash advance. Additionally, it will help you with the claim process with the airline. All incurred costs will be the cardholder's responsibility.


Assistance with medical prescriptions and delivery of valuable documents
The Visa Signature Assistance Center helps you obtain prescription medicines in local pharmacies. You will be responsible for the cost of the medicines. It can also coordinate the delivery of valuable documents that you have forgotten during your trip. In this case, you will be responsible for any shipment costs.

If as a direct consequence of a robbery, the insured has cash withdrawn with his or her Republic Bank International Signature Card from an ATM which might be owned by the bank that issued the card or an ATM owned by other banks that are part of the communications network, the insurance shall pay the insured an amount up to the cash withdrawn with a maximum equal to the insured amount for this benefit.

The ATM Protection coverage applies within Trinidad and Tobago as well as around the world.

Lost your card? Can't get your baggage because it is delayed? Do you need to book a flight or send someone a gift? Don't worry. You have Visa.

Wherever you are, you can call the Visa Customer Service Center and we will provide assistance in your language 24/7, 365 days a year to help you with anything you need, from sending flowers to locating the nearest ATM or sending you a replacement card or emergency cash advance.

+1-303-967-1098 -International Collect call
+1-800-396-9665 USA and Canada: Toll free call

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.

Click here to download brochure. [PDF]

*Special Conditions Apply
Hertz Discounts*

Get up to 15% discount on Hertz Rentals* (Available in the US, Europe, Latin America, Austrailia, 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 Lazarri & 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
Go to top