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Personal Banking
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Savings Accounts
Growing up with a plan for tomorrow
The wise investment instrument
Easy access to Foreign Currency
A value package designed for persons 60 +
Savings Accounts
Helps you to build your nest egg
Chequing Accounts
A world of convenience and flexibity
Bank FREE, easy and convenient
Shape your future.
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EBS Products
Pay bills and manage your accounts easily
Banking on the Go!
Access accounts with your Republic Bank Visa Debit Card
EBS Products
Accessibility to your accounts made easy
Be able to accept any credit card payment
Promotions
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overview
To take you through each stage of life, as we aim to assist you with the funds you need for the things you want to do
Tools & Guides
Helps you determine the loan amount that you can afford
You can calculate your business's potential borrowing repayments
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Mortgage Centre
Republic Bank Limited can make your dream of a new home a quick and affordable reality
A cleaner, more sustainable future is both possible and affordable.
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Tools & Guides
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Republic Bank / AAdvantage Mastercard
The more you use your Republic Bank / AAdvantage® Mastercard® credit card, the faster you will earn AAdvantage® miles, and the closer you will be to your dream vacation.
Your Republic Bank / AAdvantage® Mastercard® credit card gives you automatic enrollment in the world's largest travel rewards program - the American Airlines AAdvantage® Program. Earning AAdvantage® miles has never been easier.
You earn one AAdvantage® mile for every U.S. dollar (or equivalent) spent on your card or on any additional cards issued on your account. And you will have the chance to earn bonus miles by taking advantage of special offers from Republic Bank and AAdvantage®.
In addition, you will receive 3,000 AAdvantage® bonus miles when you make your first purchase using your Republic Bank/ AAdvantage® Mastercard® credit card. It's our way of welcoming you and bringing you closer to your dream vacation.
You can redeem your AAdvantage® miles for airline travel, car rentals, hotel stays, meals and vacation packages. American Airlines and its partners connect you to more than 700 destinations worldwide - so you can choose the holiday that's right for you. You can even use your AAdvantage® miles to upgrade your airline tickets.
For more information on the American Airlines AAdvantage® Program, including program details, partners, mileage programs and AAdvantage® bonus offers, please go to www.aa.com.
Your Republic Bank / AAdvantage® Mastercard® credit card makes shopping easier and more convenient. You can use it to make purchases at more than 24 million locations in 150 countries - and you have the comfort of knowing that it's safer than carrying cash. Plus, you automatically earn AAdvantage® miles with every purchase.
Republic Bank/ AAdvantage® Mastercard® credit card can provide you with cash advances at ATMs and financial institutions throughout the world where Mastercard® and/or PLUS symbols are displayed. That means ready access to cash - wherever you are, whenever you need it.
To amend your PIN on your Republic Bank / AAdvantage® Mastercard® credit card, please visit a Republic Bank branch to select a new Personal Identification Number (PIN).
For the complete details of your rights and obligations when using your Republic Bank / AAdvantage® Mastercard® credit card, please see the Cardholder Agreement.
If your Republic Bank/ AAdvantage® Mastercard® credit card is lost or stolen while you are traveling, the Mastercard® Customer Service Centre is ready to assist you, 24 hours a day, 7 days a week, 365 days a year.
Please immediately report the loss by calling the Mastercard® Global Service Centre:
- Collect from anywhere in the world: 636-722-7111.
The Centre will contact Republic Bank to cancel your credit card and help arrange an emergency replacement card for you. Depending on your available credit limit, the Centre may also arrange for an emergency cash advance, if you need it.
In addition, customers in Grenada could call Republic Bank Call Centre on 440-4725 to report a lost or stolen card.
As a Republic Bank/ AAdvantage® Mastercard® credit card cardholder. the Mastercard® Customer Service Centre provides you with worldwide travel assistance at no additional charge. The following services are available:
Pre-trip assistance (includes Mastercard®, passport, entry permit. vaccination requirements, weather information, currency exchange, maps, etc.)
While traveling (includes lost luggage assistance, emergency ticket replacement, transmission of urgent messages, attorney and bail/bond service referrals, activation of Mastercard® medical assistance services. etc.)
*Travel Assistance does not provide insurance benefits. You are responsible for any expenses incurred.
If you are accidentally injured or die while you're traveling on a common carrier, you'll receive an insurance benefit of up to US$75,000. Travel Accident Insurance coverage also applies to your spouse and dependent children under age 23 who are traveling with you.
For full coverage details, please visit our website or your local branch.
Your Republic Bank / AAdvantage® Mastercard® credit card offers optional insurance coverage that can pay off your credit card balance.
Republic Bank Mastercard® Credit Protection
Republic Bank Mastercard® Credit Protection covers the balance of your outstanding Republic Bank/ AAdvantage® Mastercard® credit card up to a maximum coverage amount, so that your family has one less financial obligation to worry about.
Your monthly premium is based on the outstanding balance on your previous month's Republic Bank Mastercard® credit card statement and your coverage choices, and if your balance is zero, no premiums are charged. You are automatically approved for coverage with no health questions to answer.
To enroll for this important protection, just complete the Enrollment Form attached to the Certificate of Republic Bank Mastercard® Credit Insurance accompanying this booklet and return it to any Republic Bank branch.
The Certificate of Republic Bank Mastercard® Credit Insurance accompanying this booklet is only valid if you have enrolled for this optional insurance coverage. Visit anyone of our branches to sign up today!
You will earn a maximum of 200,000 AAdvantage miles for purchases made on your AAdvantage MasterCard credit card in a calendar year.
Your Republic Bank credit cards are subject to certain rates and fees. Information on those charges, which are subject to change, is set out below. All fees are in XCD.
| Republic Bank Mastercard® | Republic Bank Mastercard® Gold | Republic Bank/ AAdvantage® Mastercard® | |
| Annual Interest Rate (Financing Charges) Purchases and Balance Transfers | 16% | 16% | 16% |
| Annual Membership Fees – Primary Card | $103.50 | $218.50 | $143.75 |
| Additional Card | - | - | - |
| Minimum Payment | 2.77% of outstanding balance; minimum payment of $54.00 | 2.77% of outstanding balance; minimum payment of $54.00 | 2.77% of outstanding balance; minimum payment of $54.00 |
| Cash Advance – In Branch / ATM** | 3.2% of total cash Advance; minimum $15.00 | 3.2% of total cash Advance; minimum $15.00 | 3.2% of total cash Advance; minimum $15.00 |
| Late payment charge | $65.00 | $65.00 | $65.00 |
| Dishonored / Returned Cheques | $30.00 | $30.00 | $30.00 |
| Replacement / Additional Statement | $10 1-6 months/$15 thereafter | $10 1-6 months/$15 thereafter | $10 1-6 months/$15 thereafter |
| Replacement Damaged / Lost / Stolen Card | $50.00 | $50.00 | $50.00 |
| Over Limit Charge (Flat Charge Per Each Overrun) | $65.00 | $75.00 | $75.00 |
| Billing Cycle (Statement Dates) | 20th Monthly | 20th Monthly | 20th Monthly |
*The applicable interest rate is determined upon approval of your Account. Based on the information provide with your credit card application, your applicable interest rate could be 16%. You can find your interest rate on the materials accompanying your credit card.
Rates and fees in effect as of February 1, 2022 and are subject to change.
| Additional terms that apply to all Republic Bank credit card products | |
| Interest-Free Period | 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.
However, there is no interest-free period for cash advances. The specified interest, noted above, is charged on the cash advance amount. |
® AmericanAirlines and AAdvantage are registered trademarks of American Airlines, Inc. American Airlines reserves the right to change AAdvantage program and its terms and conditions at any time without notice, and to end the AAdvantage program with six months notice. Any such changes may affect your ability to use the awards or mileage credits that you have accumulated. Unless specified, AAdvantage miles earned through this promotion/ offer do not count towards elite-status qualification or Milton MilerSM status. American Airlines is not responsible for products or services offered by other participating countries. For complete details about the AAdvantage program, visit www.aa.com/aadvantage.
®Mastercard is a registered service mark of MasterCard International Incorporated.
What you will need
Before visiting our branches, ensure you have the following documents:
Main applicant and each co-applicant on the account
1 valid photographic Identification - Passport, National Identification card or Drivers Permit (if it is expired it is not valid)
Proof of Income e.g. Job letter, copy of contract, most recent payslip
Self employed - up to date Financial Statements/tax returns
Proof of address: utility bill and/or confirmation of address, if utility bill is not in the customer’s name (Click here for the form.)
If you are a non-resident customer, other documents will be required. Kindly liaise with your preferred branch on 444-2265 for more details.
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
Click here to download the Conditions of Use.
