Republic Bank AAdvantage® Mastercard Gold Credit Card

Now you can be part of the American Airlines AAdvantage® Travel Awards Programme. Earn unlimited AAdvantage miles plus get all the benefits of an International Mastercard! Republic Bank brings you a world of choices!

  • Get up to 5,000 enrolment miles upon approval
  • Earn 1 AAdvantage® mile for every US$1.00/TT$7.00 you spend on purchases worldwide
  • No cap on the number of miles you can earn
  • AAdvantage® miles do not expire provided that once every 18 months you earn or redeem miles with American Airlines or an AAdvantage® participant. So using your Republic Bank/AAdvantage® Mastercard Credit Card regularly, is the best way to keep your AAdvantage account active
  • Automatic enrolment in American Airlines AAdvantage® Programme
  • Republic Bank/AAdvantage® Mastercard Credit Card cardholders enjoy exclusive lower rates when redeeming miles on car rentals and hotel stays at more than 10,000 locations in over 320 destinations worldwide
  • Cardholders earn destination miles, every time they fly American Airlines/American Eagle or any of the 20 partner airlines or patronise thousands of merchants across the globe including hotels, car rentals companies and restaurants.
  • Combine the miles you earn from flying with American Airlines and over 20 partner airlines and participating hotels and restaurants with those you earn with your Republic Bank/AAdvantage® Mastercard Credit Card and fly faster
  • Access to exclusive discounts and promotions

*Applicable to new Republic Bank/AAdvantage® Mastercard Credit Card Cardholders

The new Contactless feature allows you to conduct purchases TT$300 and under, with your credit card, without having to give it to anyone to complete your transaction.

Our Republic Bank / AAdvantage® Mastercard Gold has already been enabled with this new feature and will be available to new customers, as well as existing cardholders upon renewal or replacement of their credit card.

With contactless transactions:
  • Your card never leaves your hand.
  • You don't need to touch the point-of-sale terminal.
  • It makes the transaction faster.

For further information regarding contactless transactions, please see our FAQs here.

You can get up to 50 days INTEREST-FREE CREDIT, if the outstanding balance is paid in full by the payment due date shown on the principal cardholder's current billing statement. Payment must be paid in full by the payment due date for two consecutive billing statements.

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.

Our BalanceCover portal makes it easy to enrol, so there’s no need to leave the comfort of your home!

  • Cardholders between 18 years – 65 years
  • Guaranteed coverage up to age 75
  • All official cardholders on the same account are covered for the cost of one
  • Monthly premium minimal of $0.44 per $100 outstanding (applicable to both TT$ and US$ sides of the credit card account) on the credit card statement. So, if the outstanding balance on your statement is TT$3,000, you will only pay TT$13.20 for coverage
  • Please note that applicants must be less than 65 years of age and the coverage will be automatically terminated when the applicant, or any of the co-applicants, attains the age of 75

Death Benefit
Each Insured Cardholder shall be covered for an 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.


Temporary Disability
Temporary Disability shall mean that the Insured Cardholder cannot perform his occupation as a result of accidental bodily injury, sickness or disease. While receiving benefits for Temporary Disability, the Cardholder must present a Medical Certificate every three (3) months.

Total Permanent Disability
Total Permanent Disability shall mean the Insured Cardholder is in a state of total, permanent and irreversible incapacity and is continuously disabled as a result of sickness or injury and is unable to perform in any and every duty of any gainful occupation for which he/she is or may become reasonably qualified by education, training or experience, provided such disability existed continuously for at least six (6) months.

For more information on the terms and conditions and how to enrol click here or call 627-3348.

Get emergency assistance virtually anytime, anywhere and in any language. Mastercard Global Service™ helps you with reporting a lost or stolen card, obtaining an emergency card replacement, finding an ATM and answering questions on your account.

For questions or to contact Travel Assistance Services call 1-800-MC-ASSIST or the specific Mastercard Global Service™ toll-free number for your country or call collect to the United States at 1-636-722-7111.

Cardholders can benefit from the security and safety offered through Purchase Protection Coverage. If something you bought with your Mastercard Gold card is damaged or stolen within forty five (45) days of purchase, you may be eligible for benefits under this coverage.

Learn More

Extended Warranty provides extended coverage on the terms of the original manufacturer’s warranty on covered purchase up to 1 full year after both the original or store brand warranty plus the optional warranty coverage period ends, not to exceed 3 years. The covered purchase must be paid in full with the Mastercard Credit Account.

Up to US$ 200.00 per occurrence / US$ 400.00 per 12 months.

Learn More
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.

American Airlines reserves the right to change the AAdvantage® programme and its terms and conditions at any time without notice, and to end the AAdvantage® programme with six months’ notice. Any such changes may affect your ability to use the awards or mileage credits that you have accumulated. American Airlines is not responsible for products or services offered by other participating companies. For complete AAdvantage® programme details, visit AmericanAirlines and AAdvantage are registered trademarks of American Airlines, Inc.

Hertz Discounts*

Get up to 15% discount on Hertz Rentals* (Available in the US, Europe, Latin America, Australia, New Zealand, Africa, Middle East and Japan – the discount may vary per country. Ensure that you have the special discount code and that bookings are made through Lazzari & Sampson.

COLFIRE Discounts

Discount is applicable once the individual is paying with his/her Republic Bank International Credit Card for their full annual premium with COLFIRE and that the Cardholder is also the Insured.

  • Get 20% discount when you pay with your Republic Bank Credit Card.
  • 20% Republic Bank Mortgagor Discount (client must have a vehicle loan with Republic Bank where a mortgage bill of sale (MBS) is held for the vehicle)
  • The cardholder’s name must match the name on the insurance policy.
  • The discount is facilitated if the payment is made through a COLFIRE Branch.
  • Discount is applicable to private vehicle insurances.

Please note however, that COLFIRE policyholders are entitled to their Safe Driver Discount (NCD) and any other three (3) discounts they qualify for (Republic Bank Credit Card discount included). For more information call: 800-QUOTE.

CG United Insurance TT Ltd. (formerly Massy United Insurance Ltd.)

Get up to 45% Discount from CG United Insurance TT Ltd. (formerly Massy United Insurance Ltd.)

  • 25% Republic Bank Credit Card Discount (client must pay premium with their Republic Bank International Credit Card)
  • 20% Republic Bank Mortgagor Discount (client must have a vehicle loan with Republic Bank where a mortgage bill of sale (MBS) is held for the vehicle)
  • Free Special Perils
  • Free United Assist (Roadside Assistance)
  • $3,000 free Windscreen cover (ALL private vehicles – New and Roll On Roll Off)
  • Free Hospitalisation Benefit
  • Limits of Liability – Twice legislative requirements
  • Private Rates for Private Use “T” Vehicles
  • Free Loss of Use in the First Year
  • No Claim Discount*

For more information, contact CG United Insurance TT Ltd. at (868) 627-7530

*Subject to customary Underwriting Guidelines
Type of credit card Annual membership fee for main applicant Annual membership fee for co-applicant Card replacement fee lost/stolen /damaged
Republic Bank International Visa Classic Credit Card US$25.75 US$13.00 US$5.75
Republic Bank International Mastercard Classic Credit Card US$25.75 US$13.00 US$5.75
Republic Bank International Visa Gold Credit Card US$34.50 US$23.00 US$5.75
Republic Bank / AAdvantage Standard Credit Card US$50.00 US$34.00 US$28.00
Republic Bank / AAdvantage Gold Credit Card US$60.00 US$40.00 US$28.00
Republic Bank / AAdvantage Visa Infinite Credit Card US$150 No charge US$50.00
Republic Bank International Platinum Mastercard Credit Card US$75.00 US$50.00 US$30.00
Republic Bank International Visa Platinum Credit Card US$75.00 US$50.00 US$30.00
Republic Bank / PriceSmart Visa Platinum Credit Card US$25.00 US$15.00 US$25.00
Republic Bank International Visa Signature Credit Card US$100 No charge US$30.00
Interest rate 2% per Month
Over limit Fee* 5% of the amount in excess - minimum US$12.00
Past due fee 3.2% of the minimum payment - minimum charge US$10.00 / TT$68.00
Cash advance fee 3.2 % of amount advanced - minimum charge US$5.00/TT$25.00

*This fee does not apply to Republic Bank International Visa Signature Credit Card

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's 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:

Main applicant and each co-applicant on the account

Copies of one (1) form of valid photographic identification - Passport, National Identification card or Driver's Permit (if it is expired, it is not valid). Please note that if the ID does not state the customer’s nationality we would require a secondary form of ID.
Salaried – Job letter (original- not older than 3 months) and copy of pay slip (not older than 3 month)
Self employed - up to date financial statements

  • Up to date Audited Financial statements (for the last 3 years) for the business or Management accounts (for the last 3 years) for the business
  • Statement of Affairs Form
  • Income and Expenditure Form
Copy of a utility bill in the applicant's name(not older than 3 months). Where the utility bill is not in the customer’s name, the customer can submit the lease agreement, where available, or a letter from the landlord/owner/parent addressed to the Bank confirming residency of the applicant.

Click here to download Conditions of Use

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

*Credit Card Notice
Effective September 21, 2023 and until further notice, you can only use up to a maximum of US$5,000 or up to your credit limit if your limit is less than US$5,000, per statement cycle. This includes foreign transactions that are applied to the TT$ side of your account. This change does not affect local transactions on the TT$ side of your account.

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