Republic Bank International Visa Signature Credit Card

You can earn Bonus Points every time you make purchases with your Republic Bank Credit Card. The more you use your Republic Bank Credit Card the more Bonus Points you accumulate and the more Bonus Points you have, the more you save!

Get the flexibility to redeem your Bonus Points for travel on any airline at any time or for rebates and discounts at over 400 merchant outlets for: furniture & appliances, medical assistance & supplies, gym membership, warehouse shopping, utilities, department stores, shoe stores, jewellery, gifts, perfumeries, restaurants and much more!

Get one (1) Bonus Point for every TT$50/US$15 spent. Plus, Republic Bank Bonus Points are valid for three (3) years!

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.

Visa Luxury Hotel Collection, a hand-selected portfolio developed exclusively for Visa Platinum, Visa Signature and Visa Infinite cardholders, comprises some of the world's most intriguing and prestigious properties. Gathered together by Visa invitation and appraised annually, all properties, from boutique gems to world-famous hotels, provide guests an exclusive, unique collection of benefits, specially designed to offer an unparallelled experience.

• The best available rate
• Automatic room upgrade upon arrival when available
• Complimentary continental breakfast
• 3pm check-out when available
• VIP guest status
• $25 food or beverage voucher
• Free in-room internet or valet parking
• Personal Concierge Service which provides the cardholder with information and assistance he or she may require when travelling. This is available 24/7, 365 days a year. Services provided include shipping gifts, purchasing tickets, reserving rooms, renting vehicles or obtaining reservations at the best restaurants.

Visa Concierge Service provides you exceptional services for free and in your language so you can save valuable time and money. Use it to confirm flights, reserve a table in the best restaurant of the city or send gifts to the family. Call your Personal Assistant Visa Concierge directly from the phone number shown in the back of your card or call the Visa Platinum Assistance Center.

As a Republic Bank Visa Signature cardholder, you, your spouse and children (dependents under 23 years of age) will each be automatically insured up to a maximum amount each for reasonable, unavoidable expenses incurred for emergency replacement of essential items during an insured trip if during said insured trip the carrier delays delivery of your baggage, misdirects it, or temporarily loses it for over four hours, or if delivery of baggage is delayed as a result of the carrier’s financial default.

The insured must be a ticketed passenger on an aircraft operated by a scheduled airline and the full fare must be charged to your Republic Bank Visa Signature Credit Card.

For more details visit: www.visa-signature.com

As Republic Bank Visa Signaure cardholder with this benefit, you, your spouse and your children (dependents under 23 years of age) will each be insured automatically for any baggage that is lost due to theft or misdirection while in the care, custody and control of a common carrier, licensed for transport of passengers for hire. The insured must be a ticketed passenger on the common carrier and the full travel fare must be charged to your Republic Bank Visa Signature Credit Card. All claims need to be verified by the common Carrier.

For more information visit: www.visa-signature.com

1. Emergency medical expenses, which are incurred for treating an accident or medical emergency;
2. Emergency dental treatment expense, which arises from an accidental injury to healthy and natural teeth;
3. Prescription expenses, prescribed by a licenced physician, which are incurred for treating an accident or medical emergency* that is covered under IEMS.

1. Emergency medical evacuation;
2. Repatriation of mortal remains;
3. Repatriation of beneficiary;
4. Early return or extended stay;
5. Return of an elderly dependent or economic dependent;
6. Convalescence;
7. Companion to bedside.

Please be aware that the benefit amounts for the IEMS are different and that there are restrictions of services and benefits related to international sanctions laws before planning your trip. If you have any questions as to the availability of services prior to your trip, please contact us at our customer center telephone numbers 1-800-396 9665 (USA and Canada), and 1-303-967-1098 (other countries). Calls can always be made by collect call.

*Emergency as described above.

Republic Bank Visa Signature Cardholders who purchase the full cost of their international tickets with their card are eligible for this benefit. Conditions are only valid for an eligible trip for up to sixty (60) consecutive days from the departure of country of residence or country of card issuance of such eligible trip.

For more information visit www.visa-signature.com

Republic Bank Visa Signature cardholders get auto rental Insurance at no additional cost each time they rent an automobile using their Republic Bank Visa Signature Credit Card. The cardholder must decline the Collision Damage Waiver (CDW/LDW) or similar coverage offered by the auto rental company. Coverage is offered by Chartis AIG and covers Republic Bank Visa Signature cardholders up to the actual cash value of the vehicle, the cost of repairs or replacement value of the rental vehicle while said vehicle is in the cardholder’s possession.

The following specific costs are included in the policy:

• Damage due to collision
• Theft of vehicle and related charges
• Malicious vandalism charges
• Loss due to accidental fire as long as the liability rests with the cardholder

To be eligible for this insurance coverage:

• Republic Bank Visa Signature cardholders must reserve and pay for the entire cost of the auto rental with their Republic Bank Visa Signature Credit Card
• All drivers authorised to operate the rental vehicle in accordance with the rental car agreement should be covered.
• No person other than the cardholder or other authorised drivers shall have any legal or equitable right, remedy, or claims of insurance proceeds and/or damages under or arising out of this coverage.

If you are unable to decline the auto rental company coverage, the coverage will be “secondary” to the auto rental company coverage and will be responsible for any gap between the auto rental company coverage and the damages for which you are responsible.

For more information visit www.visa-signature.com

When you pay the full price of the items you purchase with your valid and active Visa Signature card, you are automatically covered at no cost to you by the Extended Warranty coverage. This extends the manufacturer's warranty or repair period for up to an additional year for new products you purchase for your personal use or as a gift. These products must be covered by an original written manufacturer's warranty for three years of less which is valid in the country where the item was purchased. The insurance covers the cost of replacement or effective and reasonable repairs made by a manufacturer authorised by the provider up to a maximum of USD5,000 per claim and USD25,000 per year.

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 proof that the item was purchased with your Visa Signature card, you must provide a copy of the manufacturer's written warranty and the product description and serial number, as well as a copy of any other applicable warranty and any other documentation that may be necessary or relevant.

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.

For more information visit: www.visa-signature.com

Republic Bank / Visa Signature cardholders, their spouses and dependant children under 23 years of age with this benefit will be automatically covered worldwide against accidental bodily injuries, which are the sole cause of loss of life or dismemberment while traveling, boarding or descending from an aircraft operated by a scheduled airline* licensed to carry passengers for hire on a regularly scheduled flight, or a maritime or land conveyance operated by a licensed common carrier duly authorized to transport passengers, provided the full travel fare has been paid with the cardholder’s valid Republic Bank Visa Signature Credit Card.

Scheduled Airline” means an airline listed in the Official Airline Guide or ABC World Airways Guide where the air carrier holds a certificate, licence,or similar authorization for scheduled air transportation issued by the relevant authorities of the country in which the aircraft is registered, and in accordance with such authorization, maintains and publishes schedules and tariffs for passenger service between named airports at regular and specific times.

For more information visit www.visa-signature.com

• The Price Protection programme helps you get the best price you can find on most products you buy with your Republic Bank International Visa Signature Card. Simply pay for the entire cost of the product with your Republic Bank International Visa Signature card and if, within 30 days of the date of purchase you see either a printed advertisement or non-auction internet advertisement for the same product (same model number and same model year) by the same manufacturer for a lower price, you can be eligible for a refund for the difference, up to $250 per item (up to a maximum of $1000 per cardholder per twelve month period). Advertisements must be published or posted after the date you purchased your product with your Republic Bank Visa International Signature Card to qualify for Price Protection coverage. Coverage automatically ends 30 days after the date the product was purchased. No registration is necessary.

• All claims must be initiated within 24 hours of discovery of a printed advertisement or non-auction internet advertisement showing the lower price.

• This coverage is secondary, over and above any amount due from any valid merchant lowest price guarantee.

• As certain customary exclusions apply, please see Visa's website www.visa-signature.com.

Automatic complimentary coverage for damage or robbery for a 90 day period. This runs from the date of purchase for most of the new products and items acquired with Republic Bank International Visa Signature Credit Card for your own use or as a gift. The insurance covers the cost of purchased item (excluding the costs from delivery and transportation) up to a maximum of US $5,000 per year.

Lost Luggage Insurance –Up to US$1,000
The insurance covers any luggage that is lost due to robbery or shipment to an erroneous destination while it is under the care and control of a common transportation carrier. The carrier refers to any method of transportation by earth, water or air that operates with a valid licence to transport passengers in exchange for the payment of a fee. This insurance includes your spouse and children younger than 23 years who depend economically on you.

Traveling Information Center
Free assistance services so you can travel safer and save time and money. You can receive information and assistance 24/7 by calling the numbers on the back of your card or the Visa Signature Assistance Center.

Assistance before your trip
Get information about the destinations that you would like to visit, visa and passport requirements, sanitary precautions and immunisations, currency rates and the location of ATMs. Also, you can get information about the weather, special events and places of interest. If you have any special medical needs, the Visa Signature Assistance Center can help you make the necessary arrangements in advance.

Assistance in the event of legal emergencies
If you need legal assistance because you are detained by the authorities, you get involved in a traffic accident or for any other reason, the Visa Signature Assistance Center can put you in contact with lawyers and with the embassy or consulate of your country. They can also make the necessary arrangements to contact your relatives and/or business associates. If required, they can coordinate the payment of bails by transferring funds from a personal account or from your Republic Bank International Visa Signature Credit Card.

Urgent replacement of travel tickets
If you lose your travel tickets, the Visa Signature Assistance Center can manage the replacement and shipment of new tickets and assist you with the procedures to request the reimbursement of the lost tickets.

Messaging service in the event of an emergency
The Visa Signature Assistance Center provides a 24 hour telephone service to hold and transmit emergency messages to travellers, immediate family members or business associates.

Assistance with lost luggage
If the airline loses your checked luggage, the Visa Signature Assistance Center will immediately make the necessary arrangements to send your articles of first necessity and a cash advance. Additionally, it will help you with the claim process with the airline. All incurred costs will be the cardholder's responsibility.

Assistance with medical prescriptions and delivery of valuable documents
The Visa Signature Assistance Center helps you obtain prescription medicines in local pharmacies. You will be responsible for the cost of the medicines. It can also coordinate the delivery of valuable documents that you have forgotten during your trip. In this case, you will be responsible for any shipment costs.

Lost your card? Can't get your baggage because it is delayed? Do you need to book a flight or send someone a gift? Don't worry. You have Visa.

Wherever you are, you can call the Visa Customer Service Center and we will provide assistance in your language 24/7, 365 days a year to help you with anything you need, from sending flowers to locating the nearest ATM or sending you a replacement card or emergency cash advance.

+1-303-967-1098 -International Collect call
+1-800-396-9665 USA and Canada: Toll free call

As a Republic Bank Visa International Signature Credit Card cardholder with this benefit, you, your spouse and your dependent children under 23 years of age will be each insured automatically up to the benefit amount for travel and/or accommodation expenses for which you have paid in advance with your Republic Bank Visa International Signature Credit Card and for which you are legally liable and which are not recoverable from any other source if a covered trip is cancelled between the date of payment of travel and/or accommodation expenses and the date of commencement of the covered trip, in the event of:

1. serious injury, serious illness, or unexpected death, of you,your traveling companion or immediate family member;
2. if your place of residence or business has been rendereduninhabitable for 10 days or less prior to your trip as a result of accidental damage;
or
3. if your presence is being required by the police following burglary or attempt thereat your place of residence or business.

As a Republic Bank Visa International Signature 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 the benefit amount as provided by your card issuer against accidental bodily injuries that are the sole cause of death or 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 Republic Bank Visa International Signature Credit Card;
(b) travel is more than 150 kilometers from the eligible person’s permanent place 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 common carrier coverage on your Republic Bank Visa International Signature Credit Card.

For more information visit: www.visa-signature.com

As a Republic Bank Visa International Signature Credit Card cardholder with this benefit, you, your spouse, and your dependent children under 23 years of age will be insured automatically up to USD 1,000 for legal expenses as the result of false arrest or wrongful detention by any government or foreign power which are incurred during the course of an insured journey, if the trip is more than 150 kilometers from your permanent place of residence.

For more information visit: www.visa-signature.com

As a Republic Bank Visa International Signature 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 the benefit amount for reasonable expenses if your covered trip is delayed for more than four hours which is caused by a covered hazard provided the full travel fare has been charged to your Republic Bank Visa International Signature Credit Card. Coverage is in excess of any other applicable insurance.

For more information visit: www.visa-signature.com

BalanceCover provides credit card balance coverage for your credit card outstanding balance and repays or reduces your credit card debt in case of death or disability.

• No occupational limits
• No medical exams
• All official cardholders on the same account are covered for the cost of one

• Coverage from 18-70years
• Premiums minimal, $4.40 per $1,000
• $25,000 lump sum payment in the event of accidental death

Death benefit
Each insured cardholder shall be insured for the amount equal to the total amount outstanding on his/her credit card at the date of death.

Accidental Death benefit
In the event of accidental death, an additional amount of $25,000 will be paid to the insured cardholder's estate.

For more information on the terms and conditions and how to enrol, call 627 3348 or come into any of our branches.

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