General Credit Card Questions

What do I need to apply for a credit card? 

The documents required are:

What is the qualifying salary, annual fee, interest rate?

Generally these 3 factors differ based on the type of credit card. Please see below for more information.

Qualifying SalaryAnnual FeeInterest Rate
First Citizens 2 in 1 Credit CardTT$3,500TT$2501.25% monthly on purchases between $5,000 to $8,000
1.30% monthly on purchases between $8,001 to $15,000
2% monthly on revolving line of credit
First Citizens PurpleTT$2,500TT$1002% monthly
VISA TertiaryNATT$751.75% monthly
VISA Classic TT$2,500TT$1452% monthly
VISA GoldTT$7,000TT$2002% monthly
VISA PlatinumTT$10,000TT$4502% monthly
Vacation Lifestyle MasterCard   TT$4,000TT$2002% monthly
Vacation Lifestyle Gold MasterCardTT$7,000TT$3002% monthly

What determines if my application is approved or not?

An overall credit assessment is done. It takes into consideration serveral factors before determining if an application is approved. Key factors considered are your ability to service and credit history.


What determines my credit limit?

The credit assessment determines the credit card limit you will receive.


Do I need to bank with First Citizens to get a credit card?

You do not need to be a First Citizens customer to obtain a First Citizens credit card. You will be assessed on your financial position and history, not who you bank with.


How long does it take for my application to be processed?

The application process is two (2) weeks from the date of receipt all the required documents together with the signed application form.


What about payments?

once you maintain an outstanding balance, you are required to make a payment. 


How do i find out what is my credit card balance due?

You have the option each month to either make a minimum payment or pay off the full amount outstanding, by the payment due date.

Definitions are provided for Full and Minimum payments with respect to the 2 in 1 Credit Card.

Summary information is provided below.

Statement DatePayment due dateMinimum payment due
First Citizens 2 in 1 Credit Card13th monthly2nd of the following monthFull Payment: total balance on product as at statement date
Minimum Payment: loan installment plus 1/24th of the outstanding balance on the revolving part of the product as at statement date.
First Citizens PURPLE13th monthly2nd of the following month1/24th  of outstanding balance as at statement date
VISA Tertiary10th monthly30th of same month1/24th  of outstanding balance as at statement date
VISA Classic13th monthly2nd of the following month1/24th  of outstanding balance as at statement date
VISA Gold16th monthly5th of the following month1/30th of outstanding balance as at statement date
VISA Platinum16th monthly5th of the following month1/30th of outstanding balance as at statement date
Vacation Lifestyle MasterCard13th monthly2nd of the following month1/25th of outstanding balance as at statement date
Vacation Lifestyle MasterCard Gold16th monthly5th of the following month1/36th of outstanding balance as at statement date

What options do I have to make my credit card payment?

You can pay your credit card via:


How do I out what is my credit card balance due?

You can:


How do I sign up for the First Citizens Online Banking and Telebanking Services?


Is there a cut off time to make payments?

Yes. Once your payment is made on time* the payment will be updated overnight. If payment is made after the cut off payment time, the payment will update the following night. If the payment is made after the cut off time on Friday, the payment will be updated on Monday night.

* Monday – Thursday – by 3pm
* Friday – by 4.15pm


What kind of reward programs are there on the First Citizens credit cards?

Our reward programs are as diverse as our cards themselves.

Bonus points program – this program is attached to our VISA suite of cards and gives the customers the opportunity to redeem bonus points certificates at hundreds of merchants throughout Trinidad and Tobago in exchange for desired goods and services.

Ultra Rewards – this program is attached to the First Citizens VISA Platinum/VISA Signature credit cards and allow the customer to earn points which can be redeemed for travel rewards anywhere worldwide, from anywhere worldwide. Rewards can be airline tickets to any destination on any airline, stays at hotels and resorts and just about any other travel reward.

Vacation Rewards – this program is attached to the First Citizens Vacation Lifestyle MasterCard and Vacation Lifestyle MasterCard Gold, and allows the customer to earn points which can be redeemed via local participating travel agencies for airline tickets on any airline and cruises.

Cash Back Rewards – this program is attached exclusively to our VISA Pink credit card and gives customers the opportunity to receive cash back rewards on purchases done throughout the month.

What are the operational fees and charges on the First Citizens credit cards?

Annual feeAdditional cardsReplacement cardsLate paymentImmediate accessOver the limitCash advance
VISA TertiaryTT$75TT$75TT$5010% of amount past due, subject to a minimum of TT$35TT$354% of the excess amount, minimum of TT$353% of the cash advance
VISA ClassicTT$145

TT$75TT$5010% of amount past due, subject to a minimum of TT$35TT$354% of the excess amount, minimum of TT$353% of the cash advance
VISA PURPLETT$100TT$75TT$5010% of amount past due, subject to a minimum of TT$35TT$354% of the excess amount, minimum of TT$353% of the cash advance
VISA
“2 in 1”
TT$250NATT$10010% of amount past due, subject to a minimum of TT$35TT$354% of the excess amount, minimum of TT$353% of the cash advance
VISA GoldTT$200TT$100TT$505% of amount past due, subject to a minimum of TT$50TT$354% of the excess amount, minimum of TT$353% of the cash advance
VISA
Gold Business
TT$200TT$100TT$505% of amount past due, subject to a minimum of TT$50TT$354% of the excess amount, minimum of TT$353% of the cash advance
VISA PlatinumTT$450TT$275TT$1005% of amount past due, subject to a minimum of TT$50TT$354% of the excess amount, minimum of TT$353% of the cash advance
VISA SignatureTT$600TT$275TT$1005% of amount past due, subject to a minimum of TT$50TT$354% of the excess amount, minimum of TT$353% of the cash advance
Vacation Lifestyle MasterCard StandardTT$200TT$100TT$10010% of amount past due, subject to a minimum of TT$35TT$354% of the excess amount, minimum of TT$353% of the cash advance
Vacation Lifestyle MasterCard GoldTT$300TT$150TT$1005% of amount past due, subject to a minimum of TT$50TT$354% of the excess amount, minimum of TT$353% of the cash advance
 Please note that fees and charges are subject to change from time to time at the Bank’s discretion.

How will I get my new credit card once it has been renewed?

Please be advised that effective September 1st 2018 the First Citizens Credit Card Centre will commence delivery of all credit card renewals to cardholders via TTPOST Couriers (Trakpak). As such, cardholders with credit cards expiring in September 2018 and thereafter will receive their renewals from TTPOST Couriers.