Product Features and Benefits
Your Republic Bank Mastercard® 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.
Instant cash advances worldwide
Your Republic Bank Mastercard® credit card can provide you with cash advances at financial institution and ATMs throughout the world where the Mastercard®/Cirus® symbol is displayed. That means ready access to cash - wherever you are, whenever you need it.
To access your PIN
Before you use your Republic Bank 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 card.
For the complete details of your rights and obligations when using your Republic Bank Mastercard® Gold credit card. please see the Cardholder Agreement accompanying this booklet.
Share the benefits and financial flexibility of your Republic Bank Mastercard® credit card with your family members for a small additional charge. Just complete the enclosed application form, take it to a Republic Bank branch and we'll issue additional Republic Bank Mastercard® credit cards on your account.
Republic Bank Credit Card Cheques*
Use Republic Bank Credit Card Cheques to make purchases wherever personal cheques are permitted such as for paying tuition, buying appliances and carrying out renovations.
You can also use Republic Bank Credit Card Cheques to transfer balances to your Republic Bank Mastercard® credit card account from non-Republic Bank credit cards. You'll have only one convenient monthly payment to make.
You'll find an initial supply of Republic Bank Credit Card Cheques accompanying this booklet. Use them in the same way you'd use and ordinary cheque. Fill in your Republic Bank Mastercard® credit card number at the top of your cheque, then complete the date, the amount and to whom the cheque is payable. Then sign your name.
You can order more cheques at any Republic Bank branch.
*Credit card Cheques are not available in all countries.
Mastercard Global Services
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, in the language you choose.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. Depending on your available credit limit, the Centre may also arrange for an emergency cash advance, if you need it.
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$100 per event and US$200 per year. The covered items purchased must be paid in full with your Republic Bank Mastercard® credit card. Specific terms and conditions apply.
For full coverage details, please visit your local branch.
Republic Bank Mastercard® Credit Protection
Republic Bank Mastercard® Credit Protection covers the outstanding balance of your Republic Bank Mastercard® credit card up to 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® 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® Credit Insurance accompanying this booklet and return it to any Republic Bank branch.
The Certificate of Republic Bank Mastercard® Credit Insurance accompanying this booklet is only valid if you've enrolled for this optional insurance coverage.
**Coverage is subject to specific limitations and exclusions, including age restrictions and maximum coverage limits, as descried in the Certificate of Insurance.
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® Mastercard Gold – Republic Bank Personal Credit Line – Gold (Secured) Mastercard Gold – Republic Bank Personal Credit Line – Gold (Unsecured) Annual Interest Rate (Financing Charges) Purchases and Balance Transfers 22% 22% 22% 12% 22% Annual Membership Fees – Primary Card $80.00 $190.00 $125.00 $190.00 $190.00 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. 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 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 $65.00 $65.00 Dishonored / Returned Cheques $30.00 $30.00 $30.00 $30.00 $30.00 Replacement / Additional Statement - - - - - Replacement Damaged / Lost / Stolen Card $30.00 $30.00 $30.00 $30.00 $30.00 Over Limit Charge (Flat Charge Per Each Overrun) $75.00 $75.00 $75.00 $75.00 $75.00 Billing Cycle (Statement Dates) 20th Monthly 20th Monthly 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 www.aa.com/aadvantage.
®Mastercard is a registered service mark of MasterCard International Incorporated.
Conditions of Use
Click here to download the Conditions of Use.
Please bring the following form with you on your next visit.
Download Credit Card Application Form