Republic Bank Mastercard Platinum Credit Card

Platinum Mastercard

The epitome of prestige at your fingertips

A Republic Bank International Platinum Mastercard Credit Card is the defining tool for premium cardholders looking for worldwide acceptance, excellent service and access to remarkable benefits.

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 Mastercard 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.

With contactless transactions:
  • 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.

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.


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.

MasterAssist Plus reimburses medical expenses, hotel convalescence, emergency family travel costs, and more. Trip must be paid in full with the Mastercard credit card. Medical expenses apply only internationally.

Cardholders, spouse, domestic partner, and dependent children covered for up to 31 consecutive days. Medical Expenses: up to US$ 25,000.00 (€ 30,000 in Schengen territories), other benefits available at different limits.

MasterRental™ is a smart way to save money and receive valuable insurance coverage when you rent a vehicle with an eligible Mastercard Platinum Card. When you rent a vehicle using your card, coverage will be provided for damages to the Rental Car caused by collision with another object, overturn, Theft, Vandalism, accidental fire, and physical damage as a result of hail, lightning, flood or other weather related causes. For claims instructions, please refer to the section “How to File a Claim”.

Who Is Covered?
Mastercard Platinum Cardholders and those designated as Authorized Drivers in the Rental Agreement.

To get coverage
  • Initiate the transaction under your name and pay for the entire Rental Company’s security deposit using your card and sign the Rental Agreement;
  • Authorized Drivers whose name(s) appear as a driver on the Rental Agreement will also be covered;
  • Pay for the entire rental transaction (tax, gasoline, and airport fees are not considered rental charges) with your card and/or points earned by a Rewards Program associated with your card prior to picking up or immediately upon the return of the Rental Car; and
  • You must Decline any/all partial or full collision damage insurance or similar collision damage and loss damage waiver (CDW/LDW) offered by the Rental Company

For more information down load the Guide to Benefits brochure.
What Types Of Rental Vehicles Are Covered?
  • All land motor vehicles with four or more wheels
  • Vans only if they are standard vans with standard equipment and are designed with a seating capacity of nine (9) passengers or less
  • Luxury and exotic cars that meet the definition of a rental car

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.

How Do I Make A Claim?
  1. Notify Mastercard within 30 days
  2. Submit copy of all documents related to the accident or theft
  3. Submit proof that the full price of the car rental was paid with the Platinum Mastercard

Mastercard 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.

Receive upgrades*, free breakfast, early check-in/late check-out* and special amenities at 1300+ 4 and 5 star hotels & resorts worldwide. Plus, exclusive savings and benefits on car rentals, air, tours and cruises

With busy and fast-paced lives Mastercard Platinum cardholders often need a little extra assistance to make things run smoothly. No matter how big or small the problem is the Mastercard Platinum Concierge Service is there to help. The concierges are experts in finding solutions to all types of problems, can make many different kinds of arrangements, and investigate answers to multiple questions.The Mastercard Platinum concierges can help with information.
For business and leisure trips the concierge team can provide details and advice on travel destinations, business etiquette in foreign countries, passport and visa requirements, weather, soucing event tickets and Gift & Delivery and much more.
For more information Download Guide to Benefits brochure.

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.
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). For more information call: 800-QUOTE.

CG United Insurance TT Ltd. (formerly Massy United Insurance Ltd.)

Get up to 45% Discount from CG United Insurance TT Ltd. (formerly Massy United Insurance Ltd.)

  • 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 CG United Insurance TT Ltd. at (868) 627-7530

*Subject to customary Underwriting 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 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 / PriceSmart Visa Platinum Credit Card US$25.00 US$15.00 US$25.00
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$12.00
Past due fee 3.2% of the minimum payment - minimum charge US$10.00 / TT$68.00
Cash advance fee 3.2 % of amount advanced - minimum charge US$5.00/TT$25.00

*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 5th March 2022, 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.

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

*Credit Card Notice
Effective September 21, 2023 and until further notice, you can only use up to a maximum of US$5,000 or up to your credit limit if your limit is less than US$5,000, per statement cycle. This includes foreign transactions that are applied to the TT$ side of your account. This change does not affect local transactions on the TT$ side of your account.

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