Anguilla
Barbados
British Virgin Islands
Cayman Islands
Dominica
Ghana
Grenada
Guyana
St. Kitts & Nevis 
St. Lucia
Sint Maarten
St. Vincent & the 
Trinidad & Tobago
Personal Banking
Republic Bank International VISA Gold
Our International Visa Gold Credit Card is a premium facility that is ideal for professionals and other high net worth individuals.
Republic Bank has the latest in credit card technology. 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.
You get up to 50 days INTEREST-FREE CREDIT, once your outstanding balance is repaid in by the payment due date, depending on the date of purchase.
No matter the hour or day, you can receive 24-hour assistance, 365 days a year! A toll-free or collect call puts you in direct contact with the Visa Assistance Centre, which offers a range of services including:
Free Rental Car Insurance
Free Auto Rental Insurance worldwide for the
Collision Damage Waiver (CDW/LDW)
Insurance.
The Rental Car Insurance provided by your
Republic Bank International Visa Gold Credit
Card covers up to the full actual value, the
cost of repair or replacement of a rental
vehicle that has been damaged due to
collision or has been stolen while in the
cardholder’s possession in any part of the
Americas and the Caribbean.
Specifically, the insurance covers the
following:
- Damage due to collision, theft and theft-related charges, malicious vandalism charges. All you do is pay for the entire rental transaction with your Republic Bank International Visa Gold Credit Card and decline the auto rental company’s Collision Damage Waiver (CDW/LDW) option.
Emergency Cash Delivery
If your Republic Bank International Visa Gold
Credit Card is lost or stolen and you need
funds before the card is replaced, the Visa
Assistance Centre will arrange for the prompt
delivery of emergency cash directly to you,
almost anywhere in the world.
Emergency Card Replacement
If your card has been lost, stolen or damaged
anywhere in the world, one call to our toll-free
number will replace it, usually within 24 hours
in North America, or two business days when
you are travelling elsewhere.
Emergency Medical Assistance
When you hold a Republic Bank International
Visa Gold Credit Card, emergency services
are just a phone call away. So you have the
security of knowing that prompt medical help
is available.
Legal Referral Assistance
Customs and regulations vary greatly from
country to country. So when you need legal
help in resolving a problem, the Visa
Assistance Centre will help to put you in touch
with legal assistance through local attorneys
or your embassy. Until you have made your
legal arrangements, and upon request
thereafter, the Centre will maintain
communication with you, your family, and your
business associates.
Services include:
- Worldwide referral assistance in locating an English or Dutch speaking attorney.
- Emergency Ticket Replacement This service assists you in replacing lost or stolen tickets by booking emergency tickets for airport or terminal pickup, or for delivery to your location.
Lost Luggage Assistance
If your luggage is lost while you are travelling,
and the carrier is unable to locate it after a
reasonable amount of time, the Visa
Assistance Centre will assist the cardholder in
coordinating with the airline to track the lost
luggage. The Centre will also assist you in
obtaining reimbursement from any applicable
carrier insurance.
Emergency Message Service
The Visa Assistance Centre provides a toll-free
24-hour telephone service for Republic Bank
International Visa Gold Credit Card travelers to
record and receive emergency messages.
Pre-Trip Planning
To make your travel as trouble-free as possible, call the Visa Assistance Centre
toll-free for the most current exchange rates,
up-to-the-minute weather forecasts and
passport/visa information, travel advisories,
health precautions and required
immunizations.
For cardholders with special medical needs,
the Visa Assistance Centre can assist with
making local arrangements for medical
equipment and supplies, and in locating
medical facilities prior to your trip.
Delivery of Valuable Documents
The Visa Assistance Centre will help to replace
documents for cardholder at cardholder’s
expense.
Click here to view questions & answers regarding Visa Assistance Centre.
| Type of credit card | Annual membership fee for main applicant | Annual membership fee for co-applicant |
|---|---|---|
| Republic Bank International Visa Classic Credit Card Minimum Limit: USD300.00 Maximum Limit: USD4,999.00 |
USD40.00 | USD20.00 |
| Republic Bank International Visa Gold Credit Card Limit: USD5,000.00 - USD50,000.00 |
USD60.00 | USD30.00 |
| Interest rate | 1.5% per Month |
| Over limit Fee | 5% MIN US$20.00 |
| Late Payment fee | 2.5% Min-US$35.00 |
| Cash advance fee | 3% Min-US$5.00 |
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.
What you will need
Before visiting our branches, ensure you have the following documents:
Main applicant and each co-applicant on the account
One (1) form of valid identification – Passport or National Identification Card
Job letter (original - not older than 1 month)
Civil Registry extract
Pay slips of the last two (2) months
Bank statements of the last three (3) months
If self-employed: financial statements of the last three (3) years
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, which restrict the use of VISA/MasterCard products.
- Burma (Myanmar)
- Iran
- Sudan
- Syria
- North Korea
Do you know that your Republic Bank Credit Card can provide you with superior benefits? 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!
TIP #1: Use RepublicOnline
Use our free online service:- To transfer funds from your chequing or savings account to your credit card account and get real-time availability of funds
- To retrieve your monthly credit card statements. This will enable you to track your account activity and obtain your current and available balance
Not yet signed up for RepublicOnline? Visit https://republiconline.republicbanksr.com. to apply today!
TIP #2: Manage your payments
Pay your credit card bill by the payment due date to avoid paying unnecessary late fees. You can use RepublicOnline or RepublicMobile or SMS Banking to ensure you pay on time. These are services that are available to our Republic Bank accountholders.
TIP #3: Track your spending
Diligently monitoring your credit card transactions will make you less susceptible to fraud. Always ensure that all transactions noted on your statement are correct. Look at the new charges and match all transactions with your receipts. Make sure your last payment was recorded correctly. You can track your spending anywhere, anytime with RepublicOnline and RepublicMobile.
TIP #4: Treat your card as if it were cash
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.
TIP #5: Credit card limit increase
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 branches. Be sure to apply early to ensure that your limit increase can be processed in time for when it is needed.
TIP #6: Vacation/business travel
- Before you travel, always ensure you visit the Visa Benefits website to ensure that you are familiar with the benefits that your Republic Bank Credit Card has to offer. Go to https://visabenefitslac.axa-assistance.us/ and select the ‘your card’ tab to enter the first 6 digits of your card number to see the specific benefits attached to your card.
- Be sure to use your Republic Bank Credit Card to make your travel bookings such as airfare and hotel accommodation. Pay the full cost of your ticket with your Republic Bank Credit Card and benefit from the free Travel Accident Insurance coverage for you, your spouse and dependent children under the age of 23 years. Visit https://visabenefitslac.axa-assistance.us/ to learn more.
- Republic Bank has a superior fraud monitoring system so that you can have ‘peace of mind’ when you are travelling abroad. Help us ensure that you enjoy uninterrupted service and convenience with your Republic Bank Credit Card when you travel by advising us of your travel plans.
- Always note your credit card account number, the Republic Bank 24 hours service number and the Visa Assistance number that are located on the reverse of your card. Store the numbers in a safe place, in the event that your credit card is lost or stolen you can contact the relevant assistance centres.
TIP #7: Phishing-Internet scams
Be suspicious of unsolicited emails that appear to have originated from your bank, asking you to verify personal or financial information. The email can also appear as an offer of rewards requesting that you provide your credit card account information in order for the rewards to be processed. Republic Bank will never send you an email or SMS requesting personal information, so kindly disregard these types of messages (emails & SMS).
