Our Chip and PIN credit cards were the first to be introduced in the English-speaking Caribbean.
Chip and PIN technology has many 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
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 Cards have 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.
For further information regarding contactless transactions, please see our FAQs here.
Interest Free CreditYou 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.
Easy Acceptance at MerchantsYour Republic Bank Credit Card has Chip and PIN technology which allows for easier acceptance globally, especially in Europe and the UK. Your Republic Bank Credit Card can be used at thousands of merchants locally and millions of merchants internationally where Visa and Mastercard are accepted.
Instant CashGet access to cash locally and internationally via any ABM that displays the Visa and Mastercard logo.
ConvenienceWith a Republic Bank Credit Card:
Payments to your Republic Bank Credit Card can be made via:
BalanceCover provides coverage for your credit card balance when you need it most.
You never think it will happen to you, but sometimes misfortune befalls the best of us.
Indeed, that very misfortune can create the Credit Card debt your loved ones may be responsible for afterwards or sometimes the unexpected can occur during a period of high Credit Card usage. That’s why you need BalanceCover.
BalanceCover from Republic Bank 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 to safeguard your family.
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 enroll, call 627-3348 or come into any of our branches.
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 (627 8201/1945).
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.
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.
Get up to 45% Discount from CG United Insurance TT Ltd. (formerly Massy United Insurance Ltd.)
For more information, contact CG United Insurance TT Ltd. at (868) 627-7530
*Subject to customary Underwriting Guidelines
Do you know that your Republic Bank Credit Card can provide you with superior benefits and rewards? To ensure that you are not missing out on some of the wonderful benefits that your Republic Bank Credit Card has to offer, we have developed a comprehensive list of useful tips which will help you manage your credit card and maximise the great rewards!
Use your Republic Bank Credit Card instead of cash for your everyday purchases such as utility, mobile and grocery bill payments and earn either Cash Back or AAdvantage miles. Cash Back can be used anywhere that your credit card is accepted! AAdvantage miles can be redeemed at hotels and car rental companies worldwide as well as for travel on American Airlines and at 20 partner airlines including British Airways and Cathay Pacific.
Only a Republic Bank Credit Card has Chip and PIN technology. When you enter your Personal Identification Number (PIN) at all chip-enabled terminals both locally and abroad, it will ensure that your transaction is authenticated by you. Change your PIN to something that is tied to your personal information to ensure that it can be easily remembered. The PIN must always be a four (4) digit number.
Not yet signed up for RepublicMobile SMS Banking? Visit https://republiconline.republictt.com to apply today!
Remember, with your Republic Bank Credit Card you can get up to 50 days’ interest free credit! To find out more about our Automated Payment System, call our Customer Service Department at 627 3348.
Use Republic Alerts for email notifications of your credit card activity to make sure that you are less susceptible to fraud. You can diligently monitor your credit card transactions and track your spending anywhere, anytime with RepublicOnline and RepublicMobile App, even while abroad.
Your credit card should never be left out of your sight! Be sure to ask the waiters at your favourite restaurants if they have a wireless credit card terminal so that you can settle your bill right at the table with speed and ease, as well as eliminate possible fraudulent ‘skimming’ opportunities. If the restaurant does not have a wireless terminal, be sure to accompany the sales representative to the terminal area to complete the transaction.
If you require an increase in your credit limit to cater for vacation, personal or even home expenses, simply go into any one of our 34 branches with your most recent pay slip and fill out the relevant form. Be sure to apply early to ensure that your limit increase can be processed in time for when it is needed.
Be suspicious of unsolicited emails that appear to have come from us, asking you to verify personal or financial information. These emails can offer rewards, asking you to provide your credit card account information to process these prizes. We would never send you an email or SMS requesting personal information so please disregard these types of messages.
Republic Bank is always rewarding our customers through customised and exclusive credit card promotions or value-added discounts at merchants. This gives you the opportunity to get extra value from your credit card as well as the chance to win great prizes! Be sure to visit www.republictt.com regularly to learn what’s new and exciting regarding our credit cards and read your credit card statement inserts so that you can benefit from these offers.
Using your Republic Bank Credit Card for all your purchases can actually make you save time and money through the rewards you earn. It provides a reliable and safe payment instrument for your purchases both locally and abroad while providing superior fraud monitoring systems and security features such as our Chip and PIN technology, free insurance coverage and value-added benefits. Remember your Republic Bank Credit Card, if used wisely, can be your tool to effectively manage your finances and reap great savings everyday!
| 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 needBefore visiting our branches, ensure you have the following documents:
Main applicant and each co-applicant on the accountTwo forms of valid photo identification
Utility bill in their name (if renting, in the name of the landlord)
Recent job letter
Recent pay slip
