How can I view or download my eStatements?

eStatements can be viewed or downloaded via Online Banking.

Click Here to learn more.

How do I understand my payment cycle?

Depending on your product type, the credit card statement will refresh on either the 10th, 13th or 16th monthly

Click Here to learn more.



How to understand my fees and charges?

For a full listing of our Credit Cards fees & charges.

Click Here to learn more.

How to address a declined transaction?

1. Ensure that your card is activated
2. Check your balance
3. Use your email notifications
4. Report Suspicious activity
5. Minimize wear and tear

Click Here to learn more.



Credit Card Support Videos

Credit Card FAQs

General Credit Card FAQs

What are the requirements for a Credit Card?

Credit Card Application Checklist
Scan and upload the following documents via the Online Credit Card Application Portal

  • Salary slip, not more than 1 month old
  • Two (2) forms of valid identification
  • Proof of Address not older than 3 months* (bank statements can be provided as a proof of address)
  • Job Letter addressed to First Citizens not older than 3 months old
  • Politically Exposed Persons (P.E.P) Declaration for Individual Form – This is your declaration on if you are a Politically Exposed Person (PEP), which the Bank needs to know, in line with the Proceeds of Crime Act 2000 (as amended) and the Financial Obligations (Amendment) Regulations 2014, Regulations 20(3). Definitions on who qualifies as a PEP is provided on the form
  • Customer Declaration – This form provides the Bank with the customer’s declaration on if he/she has any tax obligations in any jurisdiction outside of Trinidad and Trinidad. This is in line with the Tax Information Exchange Agreements (United States of America) Act 2017
  • Credit Card Standing Order Form – This form allows you to easily make arrangements so that your credit card payments are automatically kept up to date via standing order options which suits you.
  • Note: *If the proof of address e.g. utility bill, is not in your name, a letter of authorization from the person in whose name the bill is in should be provided, along with a copy of a valid ID of the said individual.
  • ** Co-applicants must be a minimum 16 years and one form of valid identification is required

For any questions, please contact us via any of the options below:

How can I obtain my Credit Card statement balance due?

You can obtain your Credit Card statement balance due via:

  • Monthly Credit Card statement
  • Online Banking
  • Telebanking
  • Mobile App

What is my Credit Card statement date and when is my payment due?

 Please refer to Table I below:

Table I

Card TypeStatement DatePayment Due DateMinimum Balance Calculation
Visa Tertiary10th monthly30th of the same month1/24  of the outstanding balance as at the statement date  
Visa Classic13th monthly2nd of the following month1/24  of the outstanding balance as at the statement date  
Visa Purple13th monthly2nd of the following month1/24  of the outstanding balance as at the statement date
Visa 2 In 113th monthly2nd  of the following monthFull Payment: total balance as at the statement date Minimum Payment: loan installment plus 1/24 of the outstanding balance  as at the statement date  
Vacation Lifestyle Mastercard  13th monthly2nd of the following month1/25 of the outstanding balance as at the statement date
Vacation Lifestyle MasterCard Gold16th monthly5th of the following month1/30 of the outstanding balance as at the statement date
Visa Gold, Platinum Signature and Infinite16th monthly5th of the following month1/30 of the outstanding balance as at the statement date

What are the fees and charges associated with my First Citizens Credit Card?

Please refer to Table II for the fees and charges associated with your First Citizens Credit Card:

Table II

How to address a declined transaction?

1. Ensure that your card is activated – Use the Mobile Application to self-activate if your card was recently received

2. Check your balance – Check Your “Real time available to spend” balance using Online Banking or the Mobile application

3. Use your email notifications – Verify the status of the transaction, including balances as you transact

4. Minimize wear and tear – Protect your chip by securing your physical card

5. Report Suspicious activity – You play a critical role in minimizing fraud. When a suspicious transaction is seen

How can I obtain my real time Credit Card available balance?

You can obtain your real time available balance via Online Banking, the Mobile App or the ATM

How can I make a Credit Card payment?

You can make a Credit Card payment via:

  • Online Banking
  • Telebanking
  • Mobile Banking App
  • ATM
  • Fast Deposit Boxes located in any conveniently located First Citizens Branch
  • A Standing Order from your First Citizens account or another Bank’s account

How soon do I have access to funds paid to my Credit Card?

You will have immediate access to funds on your Credit Card, once transferred from your First Citizens account to your Credit Card via First Citizens Online Banking, the Mobile App or Telebanking.

Please note:

  • Payments made on Monday – Thursday by 3:00 pm or Friday by 4:15 pm are updated the same night
  • Payments made on Fridays after 4:15 pm, will be credited to your Credit Card on Monday night
  • Payments made on public holidays will be credited the night of the next business day

What Credit Card Reward programmes are offered?

There are two main Credit Card Reward programmes currently offered:

Is there insurance coverage with my Credit Card?

International Emergency Medical Services and World Wide Auto Rental Insurance are offered to Visa Platinum, Signature and Infinite Credit Cardholders.

Please click here for further information

When my Credit Card expires, how will I receive my renewed card?

Your renewed Credit Card will be directly delivered to you via TTPOST Couriers (TrackPak) to your mailing address currently on record at First Citizens.  Please note, a delivery cost of TT $30.00 will be charged to your Credit Card.

What is the Foreign Currency Limit on my Credit Card?

The Foreign Limit varies for each card type, please refer to Table III for further information.

Table III

Credit CardUSD Limit
Visa Tertiary$2,000
Visa 2 in 1$2,000
Visa Purple$2,000
Visa Classic$5,000
Visa Business Classic$5,000
Vacation Lifestyle Mastercard$6,000
Vacation Lifestyle Mastercard Gold$6,000
Visa Business Gold$6,000
Visa Signature$7,000
Visa Gold$7,500
Visa Platinum$7,500
Visa Infinite$8,000

How do I set a Standing Order payment to my Credit Card account?

You can log in to Online Banking:

  1. Click the “Payments” main tab and select “Standard Payee Payments” or
  2. Send a Secure Message by clicking the “My Messages” main tab and select “Send New Message” requesting a deduction of the minimum or full outstanding balance from your personal account on a specific date (the 28th is recommended).

    You can also visit any conveniently located First Citizens Branch and a
    Customer Service Representative will assist you.

How do I request a replacement card and/or PIN?

You can request a replacement card or PIN by logging in to Online Banking, click the “My Services” main tab, then select “Credit Card/ PIN Replacement”.  Your card will be delivered within seven (7) business days and your PIN will be sent to a First Citizens Branch of your choice for collection. Please note, a delivery cost of TT $30.00 will be charged to your Credit Card.

For customers residing abroad, you can request a replacement card and/or PIN to be delivered by FedEx via Online Banking.

What should I do if my Credit Card is lost or stolen?

 You are required to immediately call 62-FIRST (623-4778) to make a report and a new Credit Card will be issued and delivered to your local mailing address. Our Contact Centre is available every day from 6am to 10pm.

If you are abroad, call:

  • VISA at 1-800-396-9665 when in the U.S.A /Canada, or in other countries, call 1-303-967-1098
  • Mastercard at 1-800-307-7309 when in U.S.A /Canada, or in other countries, call or 1-636-722-7111

What is the 2 in 1 Credit Card?

The 2 in 1 Credit Card is a credit card with 2 parts: (i) a “loan” facility and (ii) a core credit card facility. 

The customer benefits from a lower interest rate and convenient repayment terms on the loan facility; triggered by a purchase amount that falls within the two dollar value ranges stated below.

Amount Ranges:
From – To
Length of TermInterest Rate %
$5,000 – $8,000.9924 months15.00
$8,001 – $15,00024 months15.50

Once a purchase is done for $4,999.99 or less, a 24% interest rate will apply, with normal credit card terms and conditions.   

As the customer repays the loan facility, the repaid funds become available for use on the credit card side of the product.


What is the advantage of a 2 in 1 Credit Card?

The 2 in 1 Credit Card gives the customer the greatest convenience to make their aspirational or big ticket purchase, through a lower interest rate and convenient repayment terms, while at the same time getting access to a revolving line of credit.


How can the 2 in 1 Credit Card be used?

This credit card can be used as follows:
– for a single big ticket purchase which falls between $5,000 to $15,000 (mandatory for lower interest rate to apply)
– for normal credit card purchases, at merchants worldwide or online
– for cash advances, at ATMs or at bank branches worldwide


What is the limit range on the 2 in 1 Credit Card?

The minimum limit is TT$5,000 and the maximum limit is TT$15,000.


Who can get a 2 in 1 Credit Card

The facility will be assessed as any other credit card facility. Therefore normal borrowing requirements apply.


What are qualifying criteria for a 2 in 1 Credit Card?

Normal qualifying criteria apply:
– a job letter, not more than 6 months old
– your most recent salary slip
– two (2) forms of identification
– proof of address e.g. utility bill (TSTT, TTEC, WASA)


What costs are associated with the 2 in 1 Credit Card?

– an annual fee of $250.

All other normal credit card fees e.g. over the limit, late charges, will also apply.


Will additional cards be given on the 2 in 1 Credit Card?

Additional cards will not be issued on the 2 in 1 Credit Card product.


How long is the 2 in 1 Credit Card valid for?

The credit card is valid for three years. However the repayment period for the loan facility is 2 years.


Am I required to make a payment monthly?

Yes, once an outstanding balance exists on the account when the credit card statement is generated a payment will be required, payable by the payment due date.


What are the payment options available?

(i) repay the monthly loan installment plus the full balance on the credit card side of the product (defined to be “Payment in Full” and avoids interest charges on the credit card side of the product)

(ii) repay the monthly loan installment plus the minimum payment on the credit card side of the product (defined to be “Minimum Payment” and will pay interest on the credit card side of the product)


Can I pay off the loan facility before the end of the 24 month term?

Yes. The customer will be required to call into the First Citizens 62 FIRST Contact Centre (623-4778 Option 3) to obtain relevant pay off information.


Are rewards offered on the 2 in 1 Credit Card?

Yes, cash back rewards, 0.75% of purchases, is offered on the card.


Will this card be accessible on the Mobile, Online, Telebanking and ATM systems?

Yes, information will be available for this product on the above channels as follows:
Obtaining posted transaction history: Mobile, Online and Telebanking Making payments to card: Online, Telebanking and ATMs


Does this card qualify for VISA sponsored benefits?

Yes, as a sub segment of the VISA Classic product, this card accesses the same benefits e.g Travel Accident Insurance, Emergency Card and Cash Replacement

Please contact your branch or 62-FIRST for further details.


Can I close an existing credit card and transfer the balance to a 2 in 1 Credit Card?

No, balances cannot be transferred to this product.

First Citizens Credit Cards with Chip and PIN Technology FAQs

What is a Chip and PIN credit card?

A credit card with Chip and PIN technology contains an encrypted embedded microchip, which stores data more securely and strongly reduces the possibility of fraud. The security of this technology automatically creates an enhanced customer experience.

What are the benefits of Chip and PIN credit cards?
  • Guaranteed international acceptance at merchants including those in the UK and Europe.
  • Increased protection against lost, stolen or counterfeit card fraud through the ability of the chip to securely store and process data.
  • Additional layer of security when Chip and PIN credit card is used at a Chip and PIN point of sale terminal/merchant. In this scenario, the customer is required to input his/her PIN, which he/she alone should know.
Will my First Citizens Credit Card no longer have a magnetic stripe then?

Your First Citizens Credit Card will carry both Chip and PIN technology plus the magnetic stripe technology, so that your card will be accepted in essence at all point of sale machines and ATMs worldwide.

Does this mean that the magnetic stripe technology, which is currently on the back of my First Citizens credit card, is not secure?

The magnetic stripe technology is and continues to be very secure. The Chip and PIN technology simply moves to make an already very safe payment system even more secure.

First Citizens, as part of its core credit card operations, currently protects and will continue to diligently protect our cardholders from fraud via our 24/7 credit card monitoring service, whether the card carries magnetic stripe technology only or if it carries magnetic stripe technology plus the Chip and PIN technology.

Can a First Citizens Credit Card with Chip and PIN technology be compromised?

The Chip and PIN technology is the new technology in the payments world, mandated by the international payments associations VISA and MasterCard International. To date, in line with the benefits of the technology, we are not aware of situations where credit cards with the Chip and PIN technology have been compromised. If that unlikely scenario occurs, then the situation will be handled in line with the rules as prescribed by VISA and MasterCard International.

How will my First Citizens Chip and PIN Credit Card work?

Your First Citizens Chip and PIN Credit Card allows you to do everything you currently do with your credit card; i.e. local, international and online purchases and cash withdrawals.

The difference that the Chip and PIN technology brings is in how your credit card transaction is processed.

The processing of a purchase transaction depends on whether the merchant’s point of sale machine is chip enabled or non chip enabled. In Trinidad and Tobago and internationally, there are merchants with chip enabled machines and merchants with non chip enabled point of sale machines. Similarly, there are also chip enabled and non chip enabled ATM machines.

The process for online transactions is unchanged. However attention is to be paid to the expiry date which you may agree to store on the sites where you regularly shop.

Will all merchants eventually process credit card transactions on Chip Enabled point of sale machines?

Eventually all merchants worldwide will be using Chip Enabled point of sale machines. Currently the technology is more dominant in Europe but is on the way to becoming the accepted technology worldwide, as this is the mandate of both VISA and MasterCard International.

To ensure a smooth customer experience, Banks which issue credit cards, including First Citizens, will offer credit cards with both magnetic stripe and Chip and PIN technology, so that customers can pay at both Chip Enabled and Non Chip Enabled point of sale machines.

How will my First Citizens Chip and PIN Credit Card work at a chip enabled point of sale or ATM machine?

When doing a purchase at a merchant with a chip-enabled Point of Sale machines, the cardholder is required to enter his/her PIN to verify the transaction, similar to how a Debit Card transaction is done. The system validates the data on the Chip and the PIN, resulting in a more secure transaction.

There is no requirement for the customer’s signature in this scenario. When the transaction is complete, the merchant will be prompted to remove the card, will receive the sales slip and will provide the customer with his/her copy.

Please note that the card is inserted in the point of sale machine at the start of the transaction and left there for the duration of the transaction. Removal of the card during the transaction will terminate the transaction.

Withdrawals at chip enabled ATMs require the input of the PIN, as is customary.

How will my First Citizens Chip and PIN Credit Card work at a non-chip enabled point of sale or ATM machine?

A purchase at a merchant with a non chip enabled point of sale machine will be processed using the swipe and sign process i.e. the card is swiped and the customer signs the receipt, which is the norm for credit card purchase transactions in Barbados at this time.

Withdrawals at non chip enabled ATM require the input of the PIN, as is customary.

Am I still required to sign at the back of the First Citizens Credit Card with Chip and PIN technology?

Yes. Even though we refer to the credit card as the “First Citizens Credit Card with Chip and PIN technology” please note that the card also carries the magnetic stripe technology.

The magnetic stripe technology allows the cardholder to do a purchase transaction at a merchant whose point of sale machine is not chip enabled. In this scenario, the cardholder will be required to sign the sales receipt and so his signature on the sales receipt will be compared to the signature on (i) the back of the credit card as well as (ii) the form of picture identification presented.

What is the importance of my PIN with my First Citizens Chip and PIN Credit Card?

Your PIN is required to process purchase transactions at chip enabled point of sale machines as well as for cash withdrawals at chip and non chip enabled ATMs.

Therefore your PIN has now become even a more central security element for your purchase transactions, similar to how you process Debit Card transactions. Whilst a sizeable number of point of sale machines in Barbados may be non chip enabled, it is strongly recommended that you remember your PIN, as you never know when you will interact with a chip enabled point of sale machine, either locally or internationally.

Your First Citizens Chip and PIN Credit Card will be blocked after three (3) inaccurate PIN attempts.

What are the additional fees on the First Citizens Chip and PIN Credit Card?

There are no additional fees. All fees remain unchanged.

Is the Chip and PIN technology available for my Debit card as well?

Chip & PIn technology is also available with the Debit Cards

Cash Back FAQs

How does Cash Back work? 

You earn Cash Back for every purchase made with your Credit Card at a rate of 0.80% of the value of each transaction. In the case of corporate Credit Cards, with every international purchase, a rate of 0.40% is earned.

How often can I expect to receive my Cash Back? 

Rewards are credited directly to your Credit Card every month based on your Credit Card statement date.

Credit Card TypeStatement Date
VISA Tertiary10th of every month
VISA Classic
VISA  Purple
VISA  2 in 1
VISA Business Classic
13th of every month
 VISA Gold
VISA Platinum
VISA Signature
VISA Gold Business
16th of every month

How can I view my Cash Back earned?

You can view your Cash Back earned via your Credit Card statement.

How is Cash Back different from Bonus Points?

Cash Back is a direct credit to your Credit Card, whilst Bonus Points were issued in the form of a certificate and received via post.

Key differences

– Quicker access to your Rewards
– Paper-less and hassle-free
– The Cash Back credit reduces your outstanding balance
– You can shop at any merchant – locally or internationally

Contactless FAQs

What is Contactless technology?

This feature allows you to simply ‘tap-and-go! The terminal and card communicate using Near Field Communication (NFC) technology which allows you to tap your card over the merchant’s point-of-sale device to make a payment instead of inserting the card.

Why use Contactless technology?

Contactless technology brings you added convenience when making payments. With just a tap, you can make quick and secure payments.

How do I use the Contactless feature on my credit card?

Once the merchant point of sale device is enabled with Contactless technology, you can tap or wave your card 2 inches over the device to make a payment.

How can I determine whether I can use Contactless at a merchant?

The Contactless icon (see below) will be displayed on the merchant’s machine.

Will Contactless transactions require a Pin?

Each transaction is assessed “individually” and you will be prompted if you’re required to enter your Pin.

Is Contactless payment secure?


Contactless uses the same secure and robust technology as Chip & PIN.
When making a payment via Contactless, your personal card information is protected.

How can I be notified of a Contactless transaction?

First Citizens offers Email Alert Service which delivers convenient, fast and secure real-time notifications. Each notification will provide you with a brief transaction description that includes the merchant’s name, the transaction status (whether approved or declined), transaction value and your real-time available card balance.

Existing Credit Card Customers FAQs

These FAQs will be of special interest to existing First Citizens credit card customers.

It is however highly recommended that all persons review the General Frequently Asked Questions on First Citizens Credit Card with Chip and PIN technology which provides the basic but very essential information on the change of the First Citizens suite of credit cards to “Chip and PIN” technology.

Definition: “Chip and PIN”/ “Chip and PIN technology” – refers to a First Citizens credit card that carries both the magnetic stripe technology and the Chip and PIN technology.

When will I receive my First Citizens Credit Card with Chip and PIN technology?

The conversion of credit card accounts and all credit cards on the account to Chip and PIN technology will be triggered by the earliest expiry date of any card on the account, whether it is the primary card or any additional card.

As such, you will receive your First Citizens Credit Card with Chip and PIN technology upon the renewal of the card with the earliest renewal date on the credit card account.

As per usual, the primary cardholder who is the owner of the account will be contacted in writing to collect the renewed credit card/s which will be sent to your branch of choice, as recorded on our files.

Note: VISA Platinum and VISA Signature credit cards have already been converted from magnetic stripe technology to Chip and PIN technology and so the above does not apply to these customers.

Will all cards i.e. primary and additional cards, on the credit card account be converted to Chip and PIN technology upon renewal?

Please refer to the answer to Question 1 above.

When will my new First Citizens Credit Card with Chip and PIN technology expire?

Upon renewal, each card will be renewed for 3 years.

Can I safely continue to use my First Citizens Credit Card with magnetic stripe technology until my card is renewed and converted to Chip and PIN technology?

Yes, your current First Citizens Credit Card, with magnetic stripe technology can continue to be safely used at merchants and ATMs worldwide.

Can I request that my existing magnetic stripe First Citizens Credit Card be converted to Chip and PIN technology if it is not due for renewal?

As previously noted in Question 1, the Bank’s approach to converting existing credit cards to Chip and PIN cards is based upon the earliest renewal date of a credit card on the account.

We do understand that there may be exceptional circumstances, i.e. specifically travel to Europe, and advise that if such a situation arises, you would be required to provide a written request to the Credit Card Centre, 1st Fl, 62 Independence Square, Port of Spain.

This can be done via any First Citizens branch or via the Secure Message option of the First Citizens Online Banking Service. The Credit Card Centre must receive this request two (2) weeks prior to the travel departure date.

How will the following situation be treated? : A single customer having several First Citizens credit cards, each with a different renewal date? For eg. A single customer who has a VISA Classic, a VISA Gold and a MasterCard Gold credit card?

Each credit card account will be converted to Chip and PIN technology based on the earliest renewal date on a card on the credit card account. The current magnetic stripe technology First Citizens credit card can continue to be used worldwide, where VISA and MasterCard credit cards are accepted.

How do I get my PIN for my First Citizens Credit Card with Chip and PIN technology?

The current PIN in your possession will work with your First Citizens Credit Card with Chip and PIN technology.

If you cannot remember or otherwise need a PIN please submit a written request to the Credit Card Centre, First Citizens Bank, 1st Fl, 62 Independence Square, Port of Spain or through the Secure Message option of the First Citizens Online Banking Service. The standard fee for a replacement PIN will apply.

The requested PIN will be sent to your branch of choice, as recorded on our files.

What is the importance of my PIN with my First Citizens Chip and PIN Credit Card?

Your PIN is required to process purchase transactions at chip-enabled point of sale machines as well as for cash withdrawals at chip and non-chip enabled ATMs.

Therefore your PIN has now become even a more central security element for your purchase transactions, similar to how you process LINX transactions. Whilst a sizeable number of point of sale machines in Trinidad and Tobago may be non-chip enabled, it is strongly recommended that you remember your PIN, as you never know when you will interact with a chip-enabled point of sale machine, either locally or internationally.

Your First Citizens Chip and PIN Credit Card will be blocked after three (3) inaccurate PIN attempts.

Do all the cardholders on my credit card account need an individual PIN for the First Citizens Credit Card with Chip and PIN technology?

Yes, as per usual, each cardholder receives an individual PIN, which should be known only to the cardholder. The primary cardholder can request and collect PINS on and behalf of all the cardholders on the account.

Kindly advise if PINs are required for each cardholder via a written request to the Credit Card Centre, First Citizens Bank, 1st Fl, 62 Independence Square, Port of Spain or through the Secure Message option of the First Citizens Online Banking Service.

Do I need a separate PIN to do purchases and to do cash withdrawals using my First Citizens Credit Card with Chip and PIN technology?

No, the same PIN is used in all instances, for purchases and cash advances.

Does the introduction of Chip and PIN technology on my First Citizens Credit Card affect the process of doing online purchases?

No, the process for doing online purchases remains unchanged. However, as per usual, the expiry date of the credit card is critical to a successful online purchase transaction and so, this information should be updated when you receive your renewed First Citizens Credit Card with Chip and PIN technology.

What happens to my First Citizens magnetic stripe credit card after I receive my First Citizens Credit Card with Chip and PIN technology?

For your safety, once you receive your First Citizens Chip and PIN Credit Card, you will be required to hand in your magnetic stripe card for destruction.

What are the additional fees on the First Citizens Chip and PIN Credit Card?

The sole fee which may apply is the cost of a replacement PIN if the cardholder requests same. There are no additional fees.

What will be the process if my First Citizens Credit Card with Chip and PIN technology is lost or stolen?

The current process to handle lost or stolen credit card applies. You are required to immediately report the loss via 62-FIRST (623-4778) locally or to VISA/ MasterCard if abroad at the numbers at the back of your card. Keep those numbers sate at all times.

The lost/stolen credit card will be disabled and you will be provided with a new credit card and PIN at your branch of choice. Standard charges for lost/stolen cards will apply.

Will the chargeback/ dispute process change for the cardholder in any way due to the introduction of the Chip and PIN technology on the First Citizens Credit Card?

No, the chargeback/dispute process remains unchanged.

What do I do if the chip on my credit card is damaged?

If the chip is damaged, please submit a written request for a replacement card to the Credit Card Centre, First Citizens Bank, 1st Fl, 62 Independence Square, Port of Spain or through the Secure Message option of the First Citizens Online Banking Service.

Please note though that your card will continue to work at non-chip enabled merchants, which process purchases based on the magnetic stripe rather than the chip.

Foreign Exchange Limit FAQs

What are the revised Foreign Currency limits on Credit Cards?

Why has First Citizens reduced Foreign Currency limits on Credit Cards?

The Bank continues to use its best efforts to address the foreign currency requirements of our customers and limits will be adjusted based on the availability of foreign currency. Your Credit Card continues to offer you the convenience of personal shopping both at home and abroad and access to online shopping and e-commerce. Your ability to conduct foreign currency transactions has always been and will continue to be, subject to the availability of foreign currency.

Can I request access to additional foreign currency via my Credit Card after I have fully utilized my monthly threshold?

Yes, you may request, for consideration, the ability to make additional international purchases on your Credit Card. Please submit your request via your home Branch, Commercial Officer or Corporate Banking Officer or contact Contract Centre at 62-FIRST (623-4778) or email us at easybanking@firstcitizenstt.com. Your requests will be logged and the respective representative will contact you on the status of your request.

Can I utilise my Foreign Currency Limit for the billing cycle in one transaction?

Considerations on spend are provided on a case-by-case basis and will apply to urgent transactions, particularly related to medical and educational needs. You are required to notify the Credit Card Centre to facilitate this payment. You may also be required to provide supporting documentation such as invoices. Requests are to be submitted in-person to the Credit Card Centre or via email addressed to the Contact Centre at enquiries@firstcitizenstt.com.

Can I access my Foreign Currency limit via cash withdrawals/advances at the ATM while abroad?

Yes, for your safety and convenience, you can access up to $880 US for the day which will be reset every five (5) days until your Foreign Currency limit is exhausted.

Is the foreign currency limit based on my Credit Card Limit?

Your Credit Card limit remains fully accessible in TTD currency while the foreign currency limit is in accordance with the limits outlined in Table 1 above. 

Is the revised foreign currency limit a temporary measure?

The Bank reviews the foreign currency limit periodically and customers will be advised in a timely manner of any adjustments.

When will the most recent change become effective?

This change will come into effect on September 10, 2021, in keeping with the September 2021 billing cycle.

Will the foreign currency limit be further reduced?

Periodically, the Bank reviews the foreign currency limits and this may, at times, result in adjustments to customer limits.

One Time Passcode (OTP) Authentication FAQs

What is a One-Time Passcode (OTP)?

An OTP provides an enhanced level of security during online purchases, protecting you against unauthorised use of your First Citizens VISA and MasterCard Credit Cards via a 6-digit code that can only be used once. It is easy to use, quick and provides added assurance when using your VISA and MasterCard to make purchases online.

How does OTP technology work?

OTP technology creates random numeric codes when you make online purchases at merchants enabled with 3D Secure Technology. The OTP is automatically sent to your email address registered on file with First Citizens. Once you receive the OTP, enter the correct 6-digit numeric code into the field provided to complete your transaction.

When do I need to use an OTP?

When you shop at online merchants supported by 3D Secure Technology known as Visa Secure (previously Verified by Visa) and MasterCard Identity Check (previously Secure Code), you will be required to enter an OTP to complete your transaction. As customary, enter your payment details. A pop-up screen will appear which will prompt you to send the OTP to your email address registered on file with First Citizens. Then enter your correct OTP received to verify and complete your transaction.

How can I identify online merchants enabled with 3D Secure Technology?

Online merchants enabled with 3D Secure Technology will display the Visa Secure (previously Verified by Visa) and MasterCard Identity Check (previously Secure Code) logos on their website.

Is there a cost to receive an OTP via email?

This service is free to all First Citizens Credit Card cardholders.

Is registration required for OTP technology?

No registration is required. To receive your OTP via email, you must have a valid email address registered on file with First Citizens.

How can I verify or update my email address?

To verify or update your email address, simply login to First Citizens Online Banking and follow the steps outlined below:

Step 1 – Click “My Home” main tab
Step 2 – Select the “About Me” sub-tab
Step 3 – Go to “Email and Phone”
Step 4 – Input your email address (if required)
Step 5 – Click the “Submit” button to save and update your email address

Can I opt out of OTP authentication?

No, an OTP is mandatory for websites that support the 3D Secure Technology authentication process.

How long is the OTP valid for once I receive it?

Your OTP expires after 5 minutes and is valid for a single transaction. Please note, that you will be unable to use your OTP once you have exited the website or close the browser.

How long does it take to receive an OTP?

You will receive your OTP within 10 to 20 seconds once you enter your payment details and submit your transaction.

Can I use the OTP for multiple transactions?

No, each OTP is valid for a single transaction only.

What should I do if I do not receive the OTP?

If you do not receive the OTP, you can:

  1. Click the resend button a maximum of three times. A maximum of three OTPs can be sent to your email address for a single transaction.
  2. Verify your email address on file with First Citizens by logging into Online Banking.
  3. Check your email account Junk/Spam folder, and search for emails from otp-notification@firstcitizenstt.com
  4. Send us a Secure Message or an email at channelsupport@firstcitizenstt.com and one of our customer service representatives will contact you.

What occurs if I input my OTP incorrectly?

If you input your OTP incorrectly, you will be prompted to re-enter. If you enter the code incorrectly three times you will need to restart the transaction, which will prompt a new OTP to be sent to you.

How do I know if my OTP was successfully entered?

You will receive a notification on the screen advising transaction successfully completed.

How do I know that the OTP request page is genuine?

The First Citizens logo alongside your card’s Brand (VISA or MasterCard) will be displayed. The OTP page will display a summary of the transaction being attempted and your confirmation to send the OTP to you via the email address on file. You will not be asked to supply any personal information. You will only be required to enter the 6-digit OTP.

General Chip and PIN FAQs

What is a Chip and PIN credit card?

A credit card with Chip and PIN technology contains an encrypted embedded microchip, which stores data more securely and strongly reduces the possibility of fraud. The security of this technology automatically creates an enhanced customer experience.

What are the benefits of Chip and PIN credit cards?
  • Guaranteed international acceptance at merchants including those in the UK and Europe.
  • Increased protection against lost, stolen or counterfeit card fraud through the ability of the chip to securely store and process data.
  • Additional layer of security when Chip and PIN credit card is used at a Chip and PIN point of sale terminal/merchant. In this scenario, the customer is required to input his/her PIN, which he/she alone should know.
Will my First Citizens Credit Card no longer have a magnetic stripe then?

Your First Citizens Credit Card will carry both Chip and PIN technology plus the magnetic stripe technology, so that your card will be accepted in essence at all point of sale machines and ATMs worldwide.

Does this mean that the magnetic stripe technology, which is currently on the back of my First Citizens credit card, is not secure?

The magnetic stripe technology is and continues to be very secure. The Chip and PIN technology simply moves to make an already very safe payment system even more secure.

First Citizens, as part of its core credit card operations, currently protects and will continue to diligently protect our cardholders from fraud via our 24/7 credit card monitoring service, whether the card carries magnetic stripe technology only or if it carries magnetic stripe technology plus the Chip and PIN technology.

Can a First Citizens Credit Card with Chip and PIN technology be compromised?

The Chip and PIN technology is the new technology in the payments world, mandated by the international payments associations VISA and MasterCard International. To date, in line with the benefits of the technology, we are not aware of situations where credit cards with the Chip and PIN technology have been compromised. If that unlikely scenario occurs, then the situation will be handled in line with the rules as prescribed by VISA and MasterCard International.

How will my First Citizens Chip and PIN Credit Card work?

Your First Citizens Chip and PIN Credit Card allows you to do everything you currently do with your credit card; i.e. local, international and online purchases and cash withdrawals.

The difference that the Chip and PIN technology brings is in how your credit card transaction is processed.

The processing of a purchase transaction depends on whether the merchant’s point of sale machine is chip enabled or non chip enabled. In Trinidad and Tobago and internationally, there are merchants with chip enabled machines and merchants with non chip enabled point of sale machines. Similarly, there are also chip enabled and non chip enabled ATM machines.

The process for online transactions is unchanged. However attention is to be paid to the expiry date which you may agree to store on the sites where you regularly shop.

Will all merchants eventually process credit card transactions on Chip Enabled point of sale machines?

Eventually all merchants worldwide will be using Chip Enabled point of sale machines. Currently the technology is more dominant in Europe but is on the way to becoming the accepted technology worldwide, as this is the mandate of both VISA and MasterCard International.

To ensure a smooth customer experience, Banks which issue credit cards, including First Citizens, will offer credit cards with both magnetic stripe and Chip and PIN technology, so that customers can pay at both Chip Enabled and Non Chip Enabled point of sale machines.

How will my First Citizens Chip and PIN Credit Card work at a chip enabled point of sale or ATM machine?

When doing a purchase at a merchant with a chip-enabled Point of Sale machines, the cardholder is required to enter his/her PIN to verify the transaction, similar to how a LINX transaction is done. The system validates the data on the Chip and the PIN, resulting in a more secure transaction.

There is no requirement for the customer’s signature in this scenario. When the transaction is complete, the merchant will be prompted to remove the card, will receive the sales slip and will provide the customer with his/her copy.

Please note that the card is inserted in the point of sale machine at the start of the transaction and left there for the duration of the transaction. Removal of the card during the transaction will terminate the transaction.

Withdrawals at chip enabled ATMs require the input of the PIN, as is customary.

How will my First Citizens Chip and PIN Credit Card work at a non-chip enabled point of sale or ATM machine?

A purchase at a merchant with a non chip enabled point of sale machine will be processed using the swipe and sign process i.e. the card is swiped and the customer signs the receipt, which is the norm for credit card purchase transactions in Trinidad and Tobago at this time.

Withdrawals at non chip enabled ATM require the input of the PIN, as is customary.

Am I still required to sign at the back of the First Citizens Credit Card with Chip and PIN technology?

Yes. Even though we refer to the credit card as the “First Citizens Credit Card with Chip and PIN technology” please note that the card also carries the magnetic stripe technology.

The magnetic stripe technology allows the cardholder to do a purchase transaction at a merchant whose point of sale machine is not chip enabled. In this scenario, the cardholder will be required to sign the sales receipt and so his signature on the sales receipt will be compared to the signature on (i) the back of the credit card as well as (ii) the form of picture identification presented.

What is the importance of my PIN with my First Citizens Chip and PIN Credit Card?

Your PIN is required to process purchase transactions at chip enabled point of sale machines as well as for cash withdrawals at chip and non chip enabled ATMs.

Therefore your PIN has now become even a more central security element for your purchase transactions, similar to how you process LINX transactions. Whilst a sizeable number of point of sale machines in Trinidad and Tobago may be non chip enabled, it is strongly recommended that you remember your PIN, as you never know when you will interact with a chip enabled point of sale machine, either locally or internationally.

Your First Citizens Chip and PIN Credit Card will be blocked after three (3) inaccurate PIN attempts.

What are the additional fees on the First Citizens Chip and PIN Credit Card?

There are no additional fees. All fees remain unchanged.

Is the Chip and PIN technology available for my Debit/LINX card as well?

This technology is only available on credit cards at this time

Email Notification FAQs

First Citizens email alert service delivers convenient, fast and secure real time notifications. Receive email alerts via your mobile device/personal computer after every credit card and prepaid card transaction. Our email alert service will help you to identify any suspicious transactions. Each notification will provide you with a brief transaction description that includes the merchant’s name, the transaction status (whether approved or declined), transaction value and your real time available card balance.

  • Get easy access to real time available card balances
  • The service is FREE to you
  • Detect fraudulent transactions faster and easier

Signing up for email alerts is simple!

New and existing credit card and prepaid cardholders can register for email alerts by providing your full name, a valid email address and telephone contact via:

  • First Citizens Online Banking. Send a secure message to our Electronic Banking Unit.
  • Email. Send us an email at fcttcreditcardnotifications@firstcitizenstt.com
  • Telephone. Call 62-FIRST (34778) and select option 3 to speak with a service representative, our contact centre is available every day from 6am to 10pm
  • Any First Citizens branch or our Credit Card Centre (1st Floor, 62 Independence Square, Port of Spain).

Fast activation!

Upon receipt of your request, a representative from the First Citizens Electronic Banking Unit will contact you.
Subsequently, an email will be sent to you with the terms and conditions of the email alert service for your confirmation. The service will be activated within 24 hours upon receipt of your confirmation email.

Questions?
For any concerns or questions, feel free to send us a secure message via online banking, email fcttcreditcardnotifications@firstcitizenstt.com or call 62-FIRST (34778) and select option 3.

*Registration of the First Citizens email alert is applicable only to the primary card holder.
This service is not applicable to First Citizens business credit cards.
Kindly note internet and/or data services must be enabled on your mobile device/personal computer to receive email alerts.

Visa Secure FAQs

What is Visa Secure?

Visa Secure is a service offered by First Citizens to our Visa credit cardholders which strengthens the security of and confidence in online shopping with your First Citizens credit card.

How does Visa Secure work?

The Visa Secure service strengthens the security of your First Citizens online shopping experience by capturing key data elements during your online shopping. This information is then utilized to analyze and trend customer behaviour to authenticate your online purchase.

When you shop online at participating merchant sites you will see the Visa Secure badge.             

Whether you’re using a desktop, mobile or other digital device, you may be guided through an additional check to verify your identity. This helps the bank know you’re really you, and it better protects you from fraud.

This service helps make shopping online more secure by protecting against unauthorized use of your Visa card.

What is the benefit of the Visa Secure service to me?

The Visa Secure service provides enhanced security and confidence for your online purchases.

Through this service, you have an added layer of protection that helps reduce the unauthorized use of your Visa card while shopping online. This service helps the bank know you’re really you and most importantly it helps to protect you from fraud.

No Hassle, No inconvenience. No Enrolment – No Confirmation – No Purchase. Only Peace of Mind. And it is FREE of charge.

Is there any direct impact of the Visa Secure service on me as a First Citizens Visa credit cardholder?

First Citizens Visa cardholders are automatically enrolled for the service when you complete an online transaction.

What happens when (i) my First Citizens credit card expires, or (ii) my credit card limit changes or (iii) I receive a new card after my last card was either lost, stolen or compromised?

  • In situation (i) your transaction would be declined however,
  • In situation (ii) and (iii) you would not be required to take any action. You can proceed with your online shopping.

Can I use both credit & debit cards?


Yes. This service was designed for both Visa credit and debit cards when shopping online. When you use your Visa debit card, your online transaction experience will be similar to a credit transaction.

How will I know if my online purchase has the added layer of protection?

This service automatically works at checkout with participating merchants. Remember, there is no need to download anything, install software or register your account to get this added layer of protection. When using this service, you may occasionally be prompted at checkout to verify your identity, but this is to ensure you are you and protect you from fraud.

What happens when I finish shopping?

As you complete the transaction, you may be prompted to verify your identity if additional authentication is required. It’s important to take special precautions when shopping online. This extra verification step helps ensure the person using your card is you.

If I do encounter this extra layer verification step, what will the extra check be?

You will receive a one-time passcode to your email on file. If you encounter this extra step, simply follow the instructions on your screen to verify your identity.

I used to see the Verified by Visa on your website. Is this service different?

No. Although the Verified by Visa name is no longer in use, the same technology is in place to help protect you. In fact, this service was enhanced to make transactions more secure and the user experience more seamless.

What is the cost for the Visa Secure service from First Citizens?

This service is free to all First Citizens Visa credit card customers.

Enrolling for Visa Secure/Security and Privacy

Why do I need to enrol for the Visa Secure service?

  • All cardholders are automatically enrolled for the service upon completion of an online transaction. Enrollment into this service strengthens the security of your online transactions at 3D Secure Merchants.
  • Enrollment is completed per card.

What and how many cards would be enrolled for the Visa Secure service?

All of your First Citizens Visa credit cards would be enrolled for this service. There is no limit.

How does Visa Secure protect me?

No enrollment, No Confirmation, No Purchase. You enjoy enhanced security and confidence in your online purchases.

Shopping with Visa Secure

Where can Visa Secure service be of benefit to me?

The Visa Secure service applies only to online merchants and therefore improves the security of your online shopping experience.

Do all online merchants use Visa Secure?

No. Only participating Visa Secure merchants will display (i) the Visa Secure logo.
NB. An online merchant can offer the Visa Secure service only if his/her bank offers the service to their merchants.
If the merchant does not use the Visa Secure service, then the Visa Secure logo will not be displayed.

Can I purchase online at merchants who do not participate in the Visa Secure service?


Yes, you can. If the online merchant does not use the Visa Secure service, then the purchase order will be authorized by the bank once you click the “Place Order” button.
There will be no display of the Visa Secure logo on the payment page.

Can I start shopping with my existing First Citizens Credit Card?

Yes. You can shop immediately as all existing cardholders are automatically enrolled for this service upon completion of an online transaction, no waiting period is necessary. If you just received a new credit card, the same applies.

What should I do if I am shopping online but a Transaction Denied window appears?

  • Verify that the merchant is a participating Visa Secure merchant by looking for the Visa Secure logo on the payment page.
  • If no logo appears, then it is ok; there should be no request for authentication, as the merchant is not registered for the service.
  • Verify if you received the One Time Password OTP is you are prompted for a 6 digit code. The OTP will be sent to your email address on file.
  • If the issue persists send us a secure message via your Online Banking or send an email to authorization@firstcitizenstt.com

What should I do if I still have questions regarding this service?

If you have questions or need assistance you can send us a secure message via your Online Banking or send an email to authorization@firstcitizenstt.com

MasterCard ID Check FAQs

What is MasterCard ID Check?

MasterCard ID Check is a service offered by First Citizens to our MasterCard credit cardholders which strengthens the security of and confidence in online shopping with your First Citizens credit card.

How does MasterCard ID Check work?

The MasterCard ID Check service strengthens the security of your First Citizens online shopping experience by capturing key data elements during your online shopping. This information is then utilized to analyze and trend customer behaviour to authenticate your online purchase.

When you shop online at participating merchant sites you will see the MasterCard ID Check badge.          

Whether you’re using a desktop, mobile or other digital device, you may be guided through an additional check to verify your identity. This helps the bank know you’re really you, and it better protects you from fraud.

This service helps make shopping online more secure by protecting against unauthorized use of your MasterCard.

 What is the benefit of the MasterCard ID Check service to me?

The MasterCard ID Check service provides enhanced security and confidence for your online purchases.

Through this service, you have an added layer of protection that helps reduce the unauthorized use of your MasterCard while shopping online. This service helps the bank know you’re really you and most importantly it helps to protect you from fraud.

No Hassle, No inconvenience. No Enrolment – No Confirmation – No Purchase. Only Peace of Mind. And it is FREE of charge.

Is there any direct impact of the MasterCard ID Check service on me as a First Citizens MasterCard credit cardholder?

First Citizens MasterCard cardholders are automatically enrolled for the service when you complete an online transaction.

What happens when (i) my First Citizens credit card expires, or (ii) my credit card limit changes or (iii) I receive a new card after my last card was either lost, stolen or compromised?

  • In situation (i) your transaction would be declined however,
  • In situation (ii) and (iii) you would not be required to take any action. You can proceed with your online shopping.

Can I use both my credit & prepaid cards?

Yes. This service was designed for both MasterCard credit and prepaid cards when shopping online.

How will I know if my online purchase has the added layer of protection?

This service automatically works at checkout with participating merchants. Remember, there is no need to download anything, install software or register your account to get this added layer of protection. When using this service, you may occasionally be prompted at checkout to verify your identity, but this is to ensure you are you and protect you from fraud.

What happens when I finish shopping?

As you complete the transaction, you may be prompted to verify your identity if additional authentication is required. It’s important to take special precautions when shopping online. This extra verification step helps ensure the person using your card is you.

If I do encounter this extra layer verification step, what will the extra check be?

You will receive a one-time passcode to your email on file. If you encounter this extra step, simply follow the instructions on your screen to verify your identity.

I used to see the MasterCard Secure Code on your website. Is this service different?

No. Although the MasterCard Secure Code name is no longer in use, the same technology is in place to help protect you. In fact, this service was enhanced to make transactions more secure and the user experience more seamless.

What is the cost for the MasterCard ID Check service from First Citizens?

This service is free to all First Citizens MasterCard cardholders.

Enrolling for MasterCard ID Check/Security and Privacy

Why do I need to enrol for the MasterCard ID Check service?

  • All cardholders are automatically enrolled for the service upon completion of an online transaction. Enrollment into this service strengthens the security of your online transactions at 3D Secure Merchants.
  • Enrollment is completed per card.

 What and how many cards would be enrolled for the MasterCard ID Check service?

All of your First Citizens MasterCard credit cards would be enrolled for this service. There is no limit.

 How does MasterCard ID Check protect me?

No enrollment, No Confirmation, No Purchase. You enjoy enhanced security and confidence in your online purchases.

Shopping with MasterCard ID Check

Where can MasterCard ID Check service be of benefit to me?

The MasterCard ID Check service applies only to online merchants and therefore improves the security of your online shopping experience.

Do all online merchants use MasterCard ID Check?

No. Only participating MasterCard ID Check merchants will display (i) the MasterCard ID Check Secure logo.
NB. An online merchant can offer the MasterCard ID Check service only if his/her bank offers the service to their merchants.
If the merchant does not use the MasterCard ID Check service, then the MasterCard Check ID logo will not be displayed.

Can I purchase online at merchants who do not participate in the MasterCard ID Check service?

Yes, you can. If the online merchant does not use the MasterCard ID Check service, then the purchase order will be authorized by the bank once you click the “Place Order” button.
There will be no display of the Visa Secure logo on the payment page.

Can I start shopping with my existing First Citizens MasterCard Credit Card?

Yes. You can shop immediately as all existing cardholders are automatically enrolled for this service upon completion of an online transaction, no waiting period is necessary. If you just received a new credit card, the same applies.

What should I do if I am shopping online but a Transaction Denied window appears?

  • Verify that the merchant is a participating Visa Secure merchant by looking for the MasterCard Check ID logo on the payment page.
  • If no logo appears, then it is ok; there should be no request for authentication, as the merchant is not registered for the service.
  • Verify if you received the One Time Password OTP is you are prompted for a 6 digit code. The OTP will be sent to your email address on file.
  • If the issue persists send us a secure message via your Online Banking or send an email to authorization@firstcitizenstt.com

What should I do if I still have questions regarding this service?

If you have questions or need assistance you can send us a secure message via your Online Banking or send an email to authorization@firstcitizenstt.com

Visa Money Transfer FAQs

What is Visa Money Transfer?

Visa Money Transfer is a service that gives you a fast, easy and safe way to receive money from abroad directly on your First Citizens Visa Credit Card.

What do I need to provide to the sender to receive a Visa Money Transfer on my Credit Card?

To receive a Visa Money Transfer, simply provide your 16-digit Visa Credit Card number to the sender.

Is a Visa Money Transfer considered a payment?

No, Money Transfers are classified as credits to your account which increases your available funds. You will still need to make a payment based on your credit card statement outstanding balance.

Is there a fee for receiving Visa Money Transfers to my Visa Credit Card?

No fees are charged to cardholders for receiving the funds.

Which currency can I receive a Money Transfer?

All Visa Money Transfers will be received in Trinidad and Tobago dollars (TTD) on your Visa Credit Card.

Is there a limit for receiving Visa Money Transfers?

Yes, you can receive up to a maximum of US $200 daily or US $300 weekly.

Is it possible to receive Visa Money Transfers from other countries?

Yes, it is possible to receive Visa Money Transfers from other countries with the exception of Office of Foreign Assets Controls (OFAC) sanctioned countries. Click here for a list of OFAC countries.

How long will it take for the money to reflect on my credit card after the transfer is done?

In keeping with Visa’s guidelines, funds will be available in 30 minutes or less after the payment instruction is approved. However, we recommend that you check with the sender to confirm when funds were sent.

Is it possible to receive a Visa Money Transfer from other banks with Visa Money Transfer credentials?

Once the sender’s bank provides a service which allows money transfers to Visa Credit Cards, you can receive funds on your card.

Is it possible to receive a Visa Money Transfer from a Credit Card on another payment system?

You can only receive a Visa Money Transfer from another Visa Credit Card.

Are Visa Money Transfers safe?

Yes, Visa Money Transfers are safe. Visa is a trusted global network that provides reliable protection for all transactions ensuring constant monitoring and encryption of transmitted information to avoid fraud.

Is sharing my Visa 16-digit credit card number safe?

Sharing your Visa credit card number in order to receive a Visa Money Transfer is safe. Do not share your Personal Identification Number (PIN) and Card Verification Value/Card Validation Code 2 (CVV/CVC2) with anyone.

What happens if the sender of a Visa Money Transfer incorrectly enters my Visa Credit Card number?

If there is an error, the sender should directly liaise with the merchant for assistance.

How would I be notified of a Visa Money Transfer?

After the transfer is successfully completed, both the sender and the receiver will receive an email notification of the transaction. The email notification will include details such as the transfer amount, the date and time of the transfer and the transaction numbers.

Can I cancel or make changes to a Visa Money Transfer transaction after it is sent?

As the receiver of a Visa Money Transfer, you are unable to cancel or make changes to the transaction.

The ability to cancel or make changes to a Visa Money Transfer depends on the policies and the terms of the merchant’s platform being utilised. If there is a need to cancel or make changes to a Visa Money Transfer, please contact the sender to directly liaise with merchant.

What is MasterCard ID Check?

MasterCard ID Check is a service offered by First Citizens to our MasterCard credit cardholders which strengthens the security of and confidence in online shopping with your First Citizens credit card.

How does MasterCard ID Check work?

The MasterCard ID Check service strengthens the security of your First Citizens online shopping experience by capturing key data elements during your online shopping. This information is then utilized to analyze and trend customer behaviour to authenticate your online purchase.

When you shop online at participating merchant sites you will see the MasterCard ID Check badge.          

Whether you’re using a desktop, mobile or other digital device, you may be guided through an additional check to verify your identity. This helps the bank know you’re really you, and it better protects you from fraud.

This service helps make shopping online more secure by protecting against unauthorized use of your MasterCard.

 What is the benefit of the MasterCard ID Check service to me?

The MasterCard ID Check service provides enhanced security and confidence for your online purchases.

Through this service, you have an added layer of protection that helps reduce the unauthorized use of your MasterCard while shopping online. This service helps the bank know you’re really you and most importantly it helps to protect you from fraud.

No Hassle, No inconvenience. No Enrolment – No Confirmation – No Purchase. Only Peace of Mind. And it is FREE of charge.

Is there any direct impact of the MasterCard ID Check service on me as a First Citizens MasterCard credit cardholder?

First Citizens MasterCard cardholders are automatically enrolled for the service when you complete an online transaction.

What happens when (i) my First Citizens credit card expires, or (ii) my credit card limit changes or (iii) I receive a new card after my last card was either lost, stolen or compromised?

  • In situation (i) your transaction would be declined however,
  • In situation (ii) and (iii) you would not be required to take any action. You can proceed with your online shopping.

Can I use both my credit & prepaid cards?

Yes. This service was designed for both MasterCard credit and prepaid cards when shopping online.

How will I know if my online purchase has the added layer of protection?

This service automatically works at checkout with participating merchants. Remember, there is no need to download anything, install software or register your account to get this added layer of protection. When using this service, you may occasionally be prompted at checkout to verify your identity, but this is to ensure you are you and protect you from fraud.

What happens when I finish shopping?

As you complete the transaction, you may be prompted to verify your identity if additional authentication is required. It’s important to take special precautions when shopping online. This extra verification step helps ensure the person using your card is you.

If I do encounter this extra layer verification step, what will the extra check be?

You will receive a one-time passcode to your email on file. If you encounter this extra step, simply follow the instructions on your screen to verify your identity.

I used to see the MasterCard Secure Code on your website. Is this service different?

No. Although the MasterCard Secure Code name is no longer in use, the same technology is in place to help protect you. In fact, this service was enhanced to make transactions more secure and the user experience more seamless.

What is the cost for the MasterCard ID Check service from First Citizens?

This service is free to all First Citizens MasterCard cardholders.

Enrolling for MasterCard ID Check/Security and Privacy

Why do I need to enrol for the MasterCard ID Check service?

  • All cardholders are automatically enrolled for the service upon completion of an online transaction. Enrollment into this service strengthens the security of your online transactions at 3D Secure Merchants.
  • Enrollment is completed per card.

 What and how many cards would be enrolled for the MasterCard ID Check service?

All of your First Citizens MasterCard credit cards would be enrolled for this service. There is no limit.

 How does MasterCard ID Check protect me?

No enrollment, No Confirmation, No Purchase. You enjoy enhanced security and confidence in your online purchases.

Shopping with MasterCard ID Check

Where can MasterCard ID Check service be of benefit to me?

The MasterCard ID Check service applies only to online merchants and therefore improves the security of your online shopping experience.

Do all online merchants use MasterCard ID Check?

No. Only participating MasterCard ID Check merchants will display (i) the MasterCard ID Check Secure logo.
NB. An online merchant can offer the MasterCard ID Check service only if his/her bank offers the service to their merchants.
If the merchant does not use the MasterCard ID Check service, then the MasterCard Check ID logo will not be displayed.

Can I purchase online at merchants who do not participate in the MasterCard ID Check service?

Yes, you can. If the online merchant does not use the MasterCard ID Check service, then the purchase order will be authorized by the bank once you click the “Place Order” button.
There will be no display of the Visa Secure logo on the payment page.

Can I start shopping with my existing First Citizens MasterCard Credit Card?

Yes. You can shop immediately as all existing cardholders are automatically enrolled for this service upon completion of an online transaction, no waiting period is necessary. If you just received a new credit card, the same applies.

What should I do if I am shopping online but a Transaction Denied window appears?

  • Verify that the merchant is a participating Visa Secure merchant by looking for the MasterCard Check ID logo on the payment page.
  • If no logo appears, then it is ok; there should be no request for authentication, as the merchant is not registered for the service.
  • Verify if you received the One Time Password OTP is you are prompted for a 6 digit code. The OTP will be sent to your email address on file.
  • If the issue persists send us a secure message via your Online Banking or send an email to authorization@firstcitizenstt.com

What should I do if I still have questions regarding this service?

If you have questions or need assistance you can send us a secure message via your Online Banking or send an email to authorization@firstcitizenstt.com

What should I do if my Credit Card is lost or stolen?

 You are required to immediately call 62-FIRST (623-4778) option 1 or 3 to make a report and a new Credit Card will be issue and delivered to your local mailing address. Our Contact Centre is available every day from 6am to 10pm.

If you are abroad, call:

  • VISA at 1-800-396-9665 when in the U.S.A /Canada, or in other countries, call 1-303-967-1098
  • MasterCard at 1-800-307-7309 when in U.S.A /Canada, or in other countries, call or 1-636-722-7111
  • Any time you think your credit card may have been compromised, don’t forget that you can always “block” your card from within the First Citizens Mobile Banking App.  To do so, log into your mobile app, select “Cards”, then “Services.” Select the “hotlist” option and an immediate permanent block will be placed on you Credit Card. 
  • To prevent unauthorized use of your card when you are not using the card, log into your mobile app select “Cards”, then “Services”. Select the “block” option and an immediate “temporary” block will be placed on your credit card. Follow the same steps to turn your card “on” again by selecting ‘unblock” once you feel it’s safe to do so.

Credit Card Forms

This form allows you to add that person who is most important to you to your credit card account. Follow the simple steps below:

  • Print form and provide requested information.
  • Sign the form where indicated (both primary and additional cardholder/s).
  • Visit any branch with the completed form along with original plus a copy of the following documents. One (1) ID for the primary and each additional cardholder e.g. electoral id, passport, drivers permit. The IDs are to be certified at the branch.

This form allows you to start the application process to increase your credit card limit. Follow the simple steps below:

  • Print, complete and sign form where indicated.
  • Visit branch with form and original plus a copy of the following documents. The documents are to be certified at the branch. – (One (1) ID e.g. electoral id, passport, drivers permit along with a salary slip not more than one (1) month old.)
  • Proof of address dated within three (3) months may be required if the increase in limit results in a change in the type of credit card.
  • A Personal Financial Statement (PFS) may be required if the increase in limit results in a change in the type of credit card.

This form allows you to provide the Bank with all the required information to do the most common amendments required for credit cards. You may follow the simple steps below:

  • Print form and tick option applicable to you.
  • Provide relevant requested information and documents as required.
  • Sign the form where indicated.

This form allows you, the cardholder to query the legitimacy of any unauthorized credit card transaction posted in your credit card history.

As this process is important, we urge you to take a few minutes to familiarise yourself with some further details on the dispute process. Please click here for further details.

  • Print form and tick option applicable to you.
  • Provide relevant requested information and documents as required.
  • Sign the form where indicated.
  • Scan your completed forms and documents to Credit.Card_Chargebacks@firstcitizenstt.com
  • Upon receipt, you would be contacted by or advised further by one of our Chargeback Officers.

This form allows you to easily make arrangements so that your credit card payments are automatically kept up to date via standing order options that suit you. Follow these simple steps:

  • Print form and tick option applicable to you.
  • Provide relevant requested information and documents as required.
  • Sign the form where indicated.

Support and Contact Information

For Credit Card ActivationsActivate using the Mobile Banking Application via Google Play Store or the App Store
For Lost, Stolen or Compromised CardsCall us via 62-First Option 3 or email authorizations@firstcitizenstt.com

Block and request your replacement card using the Mobile Banking Application via Google Play Store or the App Store
For support with Approvals or Declined transactions including Unauthorized transactionsCall us via 62-First  Option 3

For suspicious activity Block card using the Mobile Banking Application
Skip the line, for queries about past transactions on your statementsSend us a Secure Message
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