Republic Bank / AAdvantage® Visa Infinite Credit Card

• Get 7,500 AAdvantage® miles* when you spend US$ 5,000.00 (or its equivalent in TT$ and/or US$ and TT$ combined) and over in the first 3 months
• Automatic Enrollment as a member of the AAdvantage® program, earn miles when you use your Republic Bank / AAdvantage® Visa infinite Credit Card for purchases as well as when fly on American, oneworld® and other participating airlines, as well as over 1,000 partners. Use your miles for: flights to nearly 1,000 destination worldwide including Europe, upgrades, vacations, car rentals and hotels as well as other retail products
• Earn 1 AAdvantage® mile for every US$1.00/TT$7.00 you spend on purchases worldwide
• No cap on the number of miles you can earn
• AAdvantage® miles do not expire provided that once every 18 months you earn or redeem miles with American Airlines or an AAdvantage® participant, so using your Republic Bank / AAdvantage® Visa Infinite Credit Card regularly is the best way to keep your AAdvantage® account active
• Republic Bank / AAdvantage® Visa Infinite Credit Card cardholders enjoy exclusive lower rates when redeeming miles on car rentals and hotel stays at more than 10,000 locations in over 320 destinations worldwide

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 / AAdvantage® Visa Infinite 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.

Dedicated Customer Service Hotline after hours, weekends and holidays, a dedicated Customer Service hotline ensures you have access to personalised service 24 hours a day, 365 days a year. Call 1-868-627-6000.

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 Republic Bank / AAdvantage® Visa Infinite Credit Card entitles the main applicant to free enrolment in the Priority Pass Programme.

Priority Pass is the world’s largest independent airport lounge access programme with lounges in airports in each region of the globe.

The main applicant will be provided with a website for enrolment and will be eligible for 2 free visits every 12 months based on date the issuance of the card.

Once you enrol, you will have access to over 900 participating airport lounges worldwide.

• The chance to relax in over 900 airports VIP lounges in 400 cities around the world, whether they are traveling for work or for pleasure.
• A quiet and comfortable place to wait for flights, with complimentary refreshments and snacks.
• All the facilities required to do vital business – with most lounges offering free Internet connectivity state-of-the-art conference spaces.
• The opportunity to entertain colleagues, clients and guests.
• The flexibility to choose the airline and class of travel that suits their schedule and budget – with the peace of mind that they won’t forfeit lounge access as a Republic Bank / AAdvantage® Visa Infinite Cardholder you will have access to over 900 airport lounges worldwide in over 400 cities.

For more details download our online brochure or visit – www.prioritypass.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 / AAdvantage® Visa Infinite 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-infinite.com

Republic Bank / AAdvantage® Visa Infinite cardholders get auto rental Insurance at no additional cost each time they rent an automobile using their Republic Bank / AAdvantage® Visa Infinite 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 / AAdvantage® Visa Infinite 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 / AAdvantage® Visa Infinite Credit Cardholders must reserve and pay for the entire cost of the auto rental with their Republic Bank / AAdvantage® Visa Infinite 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-infinite.com

Visa Price Protection programme helps Republic Bank / AAdvantage® Visa Infinite Credit Cardholders get the best price you can find on most products you buy with your Republic Bank / AAdvantage® Visa Infinite Credit Card with this benefit. Simply pay for the entire cost of the product with your eligible 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 US$4,000.00 per account per twelve 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.

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

As Republic Bank / AAdvantage® Visa Infinite 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 manufactures warranties of three months or more, or three years or less. The item must be purchased entirely with your Republic Bank / AAdvantage® Visa Infinite Credit Card.

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

As a Republic Bank / AAdvantage® Visa Infinite cardholder, you and/ or anyone you buy a ticket for will each be automatically insured up to a maximum amount each for reasonable, unavoidable expenses incurred for emergency replacement of essential items during an insured trip if during said insured trip the carrier delays delivery of your baggage, misdirects it,or temporarily loses it upon arrival or if delivery of baggage is delayed as a result of the carrier’s financial default.

The insured must be a ticketed passenger on an aircraft operated by a scheduled airline and the full fare must be charged to your Republic Bank / AAdvantage® Visa Infinite Credit Card.

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

As Republic Bank/ AAdvantage® Visa Infinite cardholder with this benefit, you and/ or anyone you buy a ticket for will each be insured automatically for any baggage that is lost due to theft or misdirection while in the care, custody and control of a common carrier, licensed for transport of passengers for hire. The insured must be a ticketed passenger on the common carrier and the full travel fare must be charged to your Republic Bank / AAdvantage® Visa Infinite Credit Card. All claims need to be verified by the common Carrier.

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

As Republic Bank / AAdvantage® Visa Infinite cardholder with this benefit, you and/ or anyone you buy a ticket for will each be insured automatically up to US$300 for reasonable and additional expenses actually and necessarily incurred net of recovery, to which the insured may be entitled from a common carrier, to enable the insured to use alternative scheduled public transport services and arrive at the insured’s destination on time, if due to any unforeseeable circumstances outside of the insured’s control, the insured missed his/her transport connection and is unable to arrive at his/her final destination by the time originally intended.

The insured must be a ticketed passenger on an aircraft operated by a scheduled airline and the full fare must be charged to your Republic Bank / AAdvantage® Visa Infinite Credit Card.

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

As a Republic Bank / AAdvantage® Visa Infinite Credit Cardholder with this benefit, you and/ or anyone you buy a ticket for, will each be insured automatically up to the benefit amount for reasonable expenses if your covered trip is delayed for more than four hours which is caused by a covered hazard provided the full travel fare has been charged to your Republic Bank / AAdvantage® Visa Infinite Credit Card.

Coverage is in excess of any other applicable insurance.

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

With this coverage you can benefit from the security and safety offered through Visa Purchase Protection, an insurance programme. If something you bought with your Republic Bank / AAdvantage® Visa Infinite Credit 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. Coverage is limited to US$10,000.00 per event and up to US$20,000.00 per cardholder account per 12 month period.

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

With this benefit, you and/ or anyone you buy a ticket for will be each insured automatically up to the benefit amount for travel and/or accommodation expenses for which you have paid in advance with your Republic Bank / AAdvantage® Visa Infinite Credit Card and for which you are legally liable and which are not recoverable from any other source if a covered trip is cancelled between the date of payment of travel and/or accommodation expenses and the date of commencement of the covered trip, in the event of:

• Serious injury, serious illness, or unexpected death, of you, your traveling companion or immediate family member;
• If your place of residence or business has been rendered uninhabitable for 10 days or less prior to your trip as a result of accidental damage;
• If your presence is being required by the police following burglary or attempt thereat your place of residence or business
• Complications during pregnancy
• If you receive a separation or divorce claim
• Unexpected loss of employment
• Loss of identification documents of the insured due to assault or theft
• Requirement to join the armed forces
• Immovable summons as a party or witness before a civil, family, labor or criminal court

Pre-existing conditions are not covered. Coverage is in excess of any other valid and collectible insurance.

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

The travel assistance service will make a wide range of services available to cardholders who are over 100 miles from their home, except in the case of pre-trip assistance. This service is provided around the clock, 365 days a year. It can be accessed by calling 1-868-627-6000 or through the following telephone numbers: 1-800-396-9665 (USA and Canada) and 1-303-967-1098 (other countries) and can always be made by collect call.

• Assistance prior to travel provides information about destinations, ATM location, exchange rates, passport, Visa requirements, health requirements and immunizations.
• Assistance during travel:
  • Medical assistance: information about and access to physicians, dentists, local hospitals and others.
  • Emergency legal assistance: referrals to attorneys, embassies and consulates in case cardholder is arrested, involved in a car accident or needs legal counselling.
  • Urgent ticket replacement: arrange for a ticket replacement, delivery of new ticket or refund for lost ticket.
  • Emergency message services: available 24 hours to receive and send urgent messages.
  • Lost baggage assistance: this service will assist the cardholder in coordinating with the airline all necessary arrangements to track the lost baggage.
  • Emergency transportation assistance: in a medical emergency, will assist cardholder in making necessary arrangements for the emergency transportation to his home or the nearest medical centre.
  • In case of death, will make arrangements for the return of his remains back to his country. Cardholder will be responsible for all costs.
  • Prescriptions: will assist in the purchase of prescribed medicines.
  • Delivery of valuable documents assistance: will help replace documents for cardholder at cardholder’s expense.

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

• The Visa Concierge service is available 24 hours per day, 365 days per year, to help cardholders to send gifts, purchase tickets and tours, rent vehicles, make reservations for theatre plays or provide any other information or assistance that cardholders may need, anywhere in the world.
• The cardholder will be responsible for all costs and expenses related to cardholder’s Concierge request.
• Concierge specialists will seek cardholder’s authorisation prior to arranging a service; in some instances written authorisation may be required.

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

• Visa Luxury Hotel Collection is comprised of some of the world’s most intriguing and prestigious properties, a hand-selected portfolio developed exclusively for Visa Platinum, Visa Signature, and Visa Infinite cardholders. 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 unparalleled experience.
• Exclusive benefits
  Visa Luxury Hotel Collection offers cardholders the most complete benefit program 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
  • US$25.00 food or beverage voucher
  • Free in-room Internet

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