Republic Bank / AAdvantage Mastercard


  • Product Features and Benefits
    • Earn AAdvantage® miles with every purchase

      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.

    • Redeem your AAdvantage® miles and enjoy 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

    • Shopping convenience

      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.

    • Instant cash advances worldwide

      Republic Bank/ AAdvantage® Mastercard® credit card can provide you with cash advances at financial institutions and ATMs 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 access your PIN

      Before you use your Republic Bank / AAdvantage® Mastercard® credit card at an ATM or to make a purchase, please visit a Republic Bank branch to select a Personal Identification Number (PIN) and activate your chip card.

      For the complete details of your rights and obligations when using your Republic Bank / AAdvantage® Mastercard® credit card, please see the Cardholder Agreement accompanying this booklet.

    • Mastercard® Global Service

      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, in English, Spanish and Portuguese.

      Please immediately report the loss by calling the Mastercard® Global Service Centre:
      From the United States, Canada, The Bahamas and Caribbean: 1-800-307-7309
      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.

    • Travel Assistance Services*

      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.

    • Travel Accident Insurance

      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.

    • Optional BalanceCover

      BalanceCover provides credit card coverage when you need it most!

      Republic Bank BalanceCover is a group coverage plan that covers your credit card’s outstanding balance, and repays or reduces your credit card debt in case of death or disability. BalanceCover is great for everyday peace of mind and safeguarding your loved ones.


      • Cardholders between 18 years – 65 years.
      • Guaranteed coverage up to age 70.
      • All official cardholders on the same account are covered for the cost of one.
      • Pay one fixed premium of $0.52 for every $100 of the outstanding balance on your card. For example, if your balance at the time of billing is $500, your premium would be $2.60 ($500 x $0.52/$100 = $2.60).
      • Primary and secondary cardholder on the same account are covered at one fixed rate. Covering all cardholder lowers the cost of your plan and fully protects your credit card account.

      Death Benefit
      Each insured borrower will be insured for an amount equal to the indebtedness on the insured credit card(s) on the date of death, up to a maximum Death Benefit of EC$40,500.

  • Rates and Fees

    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 22% 22% 22%
    Annual Membership Fees – Primary Card $80.00 $190.00 $125.00
    Additional Card - - -
    Minimum Payment 2.77% of the principal balance plus interest calculated for the period plus any other fees. 2.77% of the principal balance plus interest calculated for the period plus any other fees. 2.77% of the principal balance plus interest calculated for the period plus any other fees.
    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 - - -
    Replacement Damaged / Lost / Stolen Card $30.00 $30.00 $30.00
    Over Limit Charge (Flat Charge Per Each Overrun) $75.00 $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 22%. You can find your interest rate on the materials accompanying your credit card.

    Rates and fees in effect as of September 1, 2021 and are subject to change.

    Additional terms that apply to all Republic Bank credit card products
    Grace Period: purchase and cash advances You will benefit from an interest-free period of at least 50 days for new purchases and fees if you pay your statement balance in full by the payment due date shown on your statement. If you do not pay your statement balance in full by the payment due date, you must then pay interest on all purchases and fees shown on that month’s statement from the transaction date until we receive your payment for the total amount you owe. There is no interest-free period for cash advances. Interest is charge from the day of the cash advance is made until we receive your payment for the total amount you owe.


    ® 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. Anny 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.



  • Conditions of Use

    Click here to download the Conditions of Use.

  • Apply Now

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

    • Download Credit Card Application Form
    • Proof of income e.g. Job letter or copy of contract and last Pay-slip or cheque stub
    • One (1) form of valid photo-bearing ID which discloses nationality
    • Proof of address e.g. Utility Bill
    • Statements of existing credit facilities not held with Republic Bank, where applicable
    • Statement of deposit account for the last 3 months, where salary is being deposited (If not deposited at Republic Bank)
    • Any additional documentation will be requested based on purpose of credit facility