Republic Bank Mastercard Gold

You'll receive cash back rewards on your Republic Bank Mastercard® Gold credit card for purchases charged as follows: 4% at gas stations and grocery stores. 2% at pharmacies and drug stores and 1% everywhere else. The more you use your card, the more you'll get back!

Your Republic Bank Mastercard® Gold credit card makes shopping easier and more convenient. You can use it to make purchases at more than 30 million locations in 210 countries worldwide and you have the comfort of knowing that it's safer than carrying cash.

Your Republic Bank Mastercard® Gold credit card can provide you with cash advances at financial institutions and ATMs throughout the world where Mastercard®/Cirrus® symbol is displayed. That means ready access to cash - wherever you are. whenever you need it.

To amend your PIN on your Republic Bank Mastercard® Gold 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 Mastercard® Gold credit card, please see the Cardholder Agreement.

If your Republic Bank Mastercard® credit card is lost or stolen while you're travelling, Mastercard® Global Service 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.

The coverage for Purchase Protection covers eligible purchases for losses caused by accidental damage or theft, if they occur within 45 days from the date of purchase (as indicated on the store receipt). Purchase Protection is limited to US$200 per event and US$400 per year. The covered items purchased must be paid in full with the Mastercard® Gold card. Specific terms and conditions apply.

Share the benefits and financial flexibility of your Republic Bank Mastercard® Gold credit card with your family members for free. You will earn up to 4% cash back rewards on all their purchases too! Just complete the enclosed application form, take it to a Republic Bank branch and we will issue additional Republic Bank Mastercard® Gold credit cards on your account.

For full coverage details, please visit your local branch.

The information contained herein is provided soley for general information purposes. It does not intend to be a complete description of all terms. conditions and exclusions of the policies or other benefits, all of which are subject to change by Mastercard®. the underwriters or other service providers and without prior notice.

Republic Bank Mastercard® Gold Credit Protection covers the outstanding balance of your Republic Bank Mastercard® Gold 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® Gold 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® Gold Credit Insurance accompanying this booklet and return it to any Republic Bank branch.

The Certificate of Republic Bank Mastercard® Gold Credit Insurance accompanying this booklet is only valid if you've enrolled for this optional insurance coverage. Visit anyone of our branches to sign up today!

Coverage is subject to specific limitations and exclusions, including age restrictions and maximum coverage limits, as descried in the Certificate of Insurance.

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
®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.

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