Republic Credit Cards

Do you know that your Republic Bank Credit Card can provide you with superior benefits and rewards? To ensure that you are not missing out on some of the wonderful benefits that your Republic Bank Credit Card has to offer, we have developed a comprehensive list of useful tips which will help you manage your credit card and maximise the great rewards!

TIP #1 Use RepublicOnline

• To transfer funds from your chequing or savings account to your credit card account and get real-time availability of funds
• To pay your credit card and utility bills
• To retrieve your monthly credit card statements. This will enable you to track your account activity and obtain your current and available balance

Not yet signed up for RepublicOnline? Visit https://republiconline.republictt.com/RBLBarbados/ to apply today!

TIP #2 Manage your payments

Pay your credit card bill by the payment due date to avoid paying unnecessary late fees. You can use RepublicOnline or our Automated Payment Service to ensure you pay on time. These are services that are available to our Republic Bank accountholders. Please note payments made to your Credit Card after 7:00 p.m. will be processed the next Business day. Remember, with your Republic Bank Credit Card you can get up to 50 days interest free credit!

TIP #3 Track your spending

Diligently monitoring your credit card transactions will make you less susceptible to fraud. Always ensure that all transactions noted on your statement are correct. Look at the new charges and match all transactions with your receipts. Make sure your last payment was recorded correctly. You can track your spending anywhere, anytime with RepublicOnline.

TIP #4 Treat your card as if it were cash

Your credit card should never be left out of your sight! Be sure to ask the waiters at your favourite restaurants if they have a wireless credit card terminal so that you can settle your bill right at the table with speed and ease, as well as eliminate possible fraudulent ‘skimming’ opportunities. If the restaurant does not have a wireless terminal, be sure to accompany the sales representative to the terminal area to complete the transaction.

TIP #5 Credit card limit increase

If you require an increase in your credit limit to cater for vacation, personal or even home expenses, simply go into any one of our 10 branches with your most recent pay slip and fill out the relevant form. Be sure to apply early to ensure that your limit increase can be processed in time for when it is needed.

TIP #6 Vacation/business travel

• Before you travel abroad always ensure you visit the bank’s website www.republicbarbados.com to ensure that you are familiar with the benefits that your Republic Bank Credit Card has to offer.
• Be sure to use your Republic Bank Credit Card to make your travel bookings such as airfare and hotel accommodation. Pay the full cost of your ticket with your Republic Bank Credit Card and benefit from the free Travel Accident Insurance coverage for you, your spouse and dependent children under the age of 23 years. Visit www republicbarbados.com to learn more.
• Republic Bank has a superior fraud monitoring system so that you can have ‘peace of mind’ when you are travelling abroad. Help us ensure that you enjoy uninterrupted service and convenience with your Republic Bank Credit Card when you travel by advising us of your travel plans.
• Always note your credit card account number and the relevant Republic Bank MasterCard/Visa assistance numbers that are located to the reverse of your card. Store the number in a safe place, in the event that your credit card is lost or stolen you can contact the relevant assistance centres.

TIP #7 Phishing-Internet scams

Be suspicious of unsolicited emails that appear to have originated from your bank, asking you to verify personal or financial information. The email can also appear as an offer of rewards requesting that you provide your credit card account information in order for the rewards to be processed. Republic Bank will never send you an email or SMS requesting personal information, so kindly disregard these types of messages (emails & SMS).

TIP #8 Look out for Republic Bank promotions and exclusive offers

Republic Bank is always rewarding our customers through customized and exclusive credit card promotions, or value-added discounts at merchants. This gives you the opportunity to get extra value from your credit card as well as the chance to win great prizes! Be sure to visit our website at www.republicbarbados.com regularly to learn what’s new and exciting in the realm of credit cards and read your credit card statement inserts so that you can benefit from these offers.

TIP #9 Never leave home without your Republic Bank Credit Card

Using your Republic Bank Credit Card for all your purchases can actually make you save time and money through the rewards you earn. It provides a reliable and safe payment instrument for your purchases both locally and abroad whilst providing superior fraud monitoring systems and security features such as our Chip and PIN technology, free insurance coverage and value- added benefits. Remember your Republic Bank Credit Card, if used wisely, can be your tool to effectively manage your finances and reap great savings everyday!