Republic International Visa Gold

Our International Visa Gold Credit Card is a premium facility that is ideal for the professionals and other high net worth individuals.

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.

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 US$15.00 spent, you earn EC$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.

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.

Your Republic Bank International Visa Gold Credit Card gives you peace of mind and saves you money by providing this free insurance coverage every time you use your card to rent a car.

What are the benefits and who is covered?
When you use your Republic Bank International Visa Gold 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.
The Auto Rental Insurance covers up to the full cost of repair or replacement of a rental vehicle in the event of:

  • Damage due to collision or theft of the vehicle
  • Malicious vandalism charges
  • Loss of use
  • Administrative fee charged by the rental company

What types of rental vehicles are covered?
Most rental automobiles are covered, including some luxury vehicles such as BMW and Mercedes Benz. If you have any questions regarding a specific vehicle, call the Visa Customer Service Center.

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

What do I need to do to submit a claim to Visa?
You must notify Visa within 30 days or your claim will not be processed. In addition to all documents indicated above, you must submit proof that the full price of the car rental was paid with the International Visa Gold Credit Card.

Visa 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.

How do I make a claim?
  • Notify Visa within 30 days
  • Submit copy of all documents related to the accident or theft
  • Submit proof that the full price of the car rental was paid with the International Visa Gold Credit Card

The Visa Price Protection Programme helps you get the best price you can find on most products you buy with your Republic Bank International Visa Classic Credit Card. Simply pay for the entire cost of the product with your credit 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 USD 200 per account per 12-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.

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Annual fee US$34.50
Replacement card fee US$5.75
Interest rate 1.33% per Month (16% per annum)
Over limit Fee * 5.00% of amount in excess.
Minimum US$10.00
Past due fee US$8.00 minimum or 3% of the minimum payment due in respect of any billing period
Cash advance fee 2.3% of amount advanced



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 current billing statement. Payment must be paid in full by the payment due date for two consecutive Billing Statements.

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 Drivers Permit (if it is expired it is not valid)
Proof of Income e.g. Job letter, copy of contract
Self employed - up to date Financial Statements/tax returns
Proof of address e.g. utility bill


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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