Republic Bank MasterCard Platinum Credit Card

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.

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.

Anytime, anywhere, 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$50.00/US$15.00 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.

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.

MasterTravel Insurance*
Platinum MasterCard™ cardholders, their Spouse/Domestic Partner, and Dependent Children can benefit from comprehensive travel accident insurance coverage offered through MasterTravel™.


Who Is Covered:
Platinum MasterCard™ Cardholders, the cardholder’s Spouse/Domestic Partner, Infants and dependent Children, whether traveling together or separately.


To Get Coverage:
Coverage is provided automatically when the entire cost of the Common Carrier passenger fare has been charged to your eligible Platinum MasterCard™ card and/or has been acquired with points earned by an eligible Rewards Program associated with your card (i.e. mileage points for travel). In order to be eligible for coverage cardholder must pay all associated taxes, shipping & handling fees and any other required fees to your eligible Platinum MasterCard™ card.


The Kind of Coverage you Receive:
MasterTravel provides Common Carrier Travel Accident Insurance coverage against accidental death, dismemberment (including loss of sight, speech & hearing) or paralysis while travelling on a common carrier if tickets are purchased with your card.
  • The maximum principal benefit provided for covered trips on a common carrier is up to US$ 500,000 per person.
  • Infants* are covered with a benefit of 25% of maximum principal benefit with a limit of US$50,000 where local regulations allow.
  • A trip commences when the insured person boards a common carrier for the purpose of going on such trip and continues until such time as the insured person alights (departs) from the common carrier.

What Are The Benefits – Common Carrier Travel Accident:
Coverage is provided for accidental death, paralysis and dismemberment(s) including loss of sight, speech, hearing while riding as a passenger in or on, boarding or alighting from a common carrier.
  • The maximum principal benefit amount provided is US$500,000 per person.
  • The benefit for infants* is 25% of the maximum principal benefit with a limit of US$50,000, where local regulations allow.
  • In the event of an accidental death while on a covered trip, you and your eligible family members can receive the maximum principal benefit amount. For a covered loss with common carrier travel accident only, benefits are provided as a percentage of the maximum principal benefit amount per the *Schedule of Losses.

Coverage Conditions/Limitations:
  • A covered loss must occur within 365 days of the date of the accident.
  • In the event that you have multiple losses due to the same accident, only one (1) payment, the largest, will be paid.
  • Coverage extends to exposure and disappearance.
  • Loss caused by or resulting from acts of terrorism (defined herein) is not excluded.
  • Benefit shall not apply while an insured person is riding in or boarding or alighting from any civilian aircraft that does not hold a current valid Airworthiness Certificate.

Claim Notification Period: Within ninety (90) days from the date of loss.
Submission Period: No later than one hundred-eighty (180) days from the date of Claim Notification.
Required Information (proof of loss):
  • Completed claim form signed and dated
  • Documentation detailing the nature of injury or death with a breakdown of expenses, including certified copies of medical evidence reports, attending physician statements, coroner reports, death certificate and related documentation
  • Transaction verification confirming the full passenger fare for the covered trip had been charged to the eligible card including copies of common carrier ticket(s) and receipts
  • Your cardholder's statement of account showing the account is open and in good standing

MasterRental is a smart way to save money and receive valuable insurance coverage when you rent a vehicle with an eligible Republic Bank International Platinum MasterCard Credit Card. When you rent a vehicle using your card, coverage will be provided for damages to the rental car caused by collision, theft and/or accidental fire.

What Are The Benefits And Who Is Covered?
When you use your Republic Bank International Platinum MasterCard 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.

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 begins when you pick up the car and ends when you turn it in, limited up to thirty one (31) consecutive days worldwide.


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.

MasterAssist Plus
  • Coverage for you, your spouse and children -USD 25,000 each
  • Republic Bank International Platinum MasterCard Credit Card cardholder and family members can benefit from the security and safety offered through our comprehensive travel medical programme.

What Are The Benefits And Who Is Covered?
When you pay the full price of your international travel tickets with your valid and active Republic Bank International Platinum MasterCard Credit 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 USD 25,000 each while travelling abroad. 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 had already occurred or had been diagnosed by a physician within 90 days prior to 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 prior to the trip date and there is no medical restriction for travelling, it is not considered a pre-existing condition.

Personal Concierge Service
Personal Concierge Service provides the cardholder with information and assistance they may require when travelling. This is available 24 hours a day, 7 days a week, 365 days a year. Services provided include shipping gifts, purchasing tickets, reserving rooms, renting vehicles or obtaining reservations at the best restaurants.


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 Driver’s 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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