Republic International Visa Business Card

A Republic Bank International Visa Business Credit Card can help you keep your company's expenses on track and provide you with the buying power you need to operate your business. Plus you enjoy exclusive travel benefits and unlimited rewards when you make purchases.

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.

Who and what is covered?

As Republic Bank International Visa Business Credit Card cardholder with this benefit, you, your spouse, and your dependent children under 23 years of age, will each be insured automatically up to US$250,000 against accidental bodily injuries that are the sole cause of death dismemberment arising from an accident that occurs during an Insured Journey. A trip is considered an Insured Journey if (a) the full travel fare has been purchased with a valid International Visa Card; (b) it is outside your country of residence; and (c) the maximum duration of any one trip is no more than 60 days.

The coverage of an Insured Journey begins when you disembark from the common carrier at the destination of your Insured Journey (as designated on your ticket) and ends when you board the common carrier for departure (as designated on the return portion of your ticket).

This insurance does not provide common carrier coverage during travel to and from an Insured Journey. This coverage is meant to complement and not duplicate the CommonCarrier coverage on your International VISA Card.


What do I need to be eligible?

You must possess a valid and active Republic Bank International Visa Business Credit Card and use it to purchase the entire travel fare(s).

*Special conditions apply.

Your Republic Bank International Visa Business 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 Business 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. Coverage is offered by Chartis AIG.

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 against the car
- Loss due to accidental fire as long as the liability rests with the cardholder.

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 authorized driver specifically mentioned in the car rental agreement. Coverage will expire as soon as the rented vehicle is returned to the car rental company or 31 days after the date of rental.


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 Republic Bank International Visa Business Credit Card.

Visa does not provide insurance. Insurance 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 Republic Bank International Visa Business Credit Card.
Annual fee US$28.75
Replacement card fee US$5.75
Interest rate 1.33% per Month (16% per annum)
Over limit Fee * 5.00% of the 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.

Other fees associated with credit cards are available upon request.

What you will need

Before visiting our branches, ensure you have the following documents:

New to Republic Bank?

Two (2) forms of Identification
Recent pay slip/job letter
Recent Utility Bill
The required amount to open the account

Existing Republic Bank customer

Two (2) forms of Identification
Recent pay slip/job letter
The required amount to open the account


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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