Terms and Conditions

The following definitions apply to these Terms and Conditions:

“Cardholder” refers to the Primary cardholder of an Eligible Mastercard Prepaid Card

“Promotional Period” refers to the period from August 17^th to September 25^th, 2026, inclusive.

“Eligible” refers to qualification to participate in this promotion.

“Eligible Purchases/ Transaction” refers to any purchase of goods and/ or services through local e-commerce or point-of-sale, utilizing an Eligible Mastercard Prepaid Card but does not include any purchase/ transaction attributable to business activity or which falls outside of the purpose for which the prepaid card was issued by the Bank. All foreign transactions are excluded.

“Good standing” refers to a prepaid card account which is active status throughout the Promotional Period.  

“Eligible Credit Cards” refers to First Citizens Bank Limited issued Mastercard Prepaid card.

Campaign Mechanics:

Cardholders earn one entry per qualifying transaction of at least TTD 200 at supermarkets, restaurants/food stalls, pharmacies, retail stores, hardware stores, or fuel stations/utility payments.

There is no limit to the number of entries a cardholder may receive during the promotional period.

The Prize

5 winners are drawn each week, each receiving a TTD 400 food/grocery voucher.

Weekly Themes

1. Fresh & Local – Grocery/Supermarket
2. Dine TT – Restaurants & Food Stalls
3. Market Day – Farmers’ Markets & Produce
4. Everyday Essentials – Pharmacy, Fuel & Utilities
5. Shop Local – Local Retail & Boutiques
6. Community Spend – Any Local Merchant

Eligibility

This Promotion is open to legal residents of Trinidad and Tobago who are eighteen (18) years of or older and Cardholders of Eligible Prepaid Cards in Good-Standing. Cardholders who are employees of the First Citizens Group, their immediate family members (spouses, parents, children, siblings and their respective spouses) and/or those living in the same household of any of these employees are not eligible to participate in this Promotion.

Notification of Winner/ Prize Claim

The winners will be contacted via telephone utilizing his/her contact number contained in the Bank’s records. If the Bank is unable to establish contact with the winner by telephone within two (2) business days of the draw date, another winner will be drawn. The Bank shall not be under any obligation to make more than one attempt to contact any subsequent winner selected after the first draw.

Once contacted by telephone as aforesaid, an email will be sent to the winner to advise him/her of the process to be followed to accept the Prize. Thereafter, the winner will have two (2) business days to accept the prize, produce to the Bank a valid form of National Identification. Failure of the winner to accept the Prize or meet the stated requirements within the time period aforesaid will result in the prize being deemed forfeited immediately.

The winner’s eligibility will be terminated if they decline the prize or fail to meet the requirements to claim it.

The winner releases and holds the Bank harmless from any and all claims, losses, injuries, or damages arising from their participation in this promotion and use of the prize.

Prize Restrictions

Prizes are non-transferable and subject to change. It must be accepted as awarded.

Nullity and Modifications

The Bank retains the right, at its sole discretion, to alter or cancel this promotion at any moment without providing a reason, as well as to amend the terms and conditions. If there is a disagreement based on this Promotion, the Bank’s judgment is final.

Disputes

The Bank’s decision in all matters pertaining to this Promotion shall be final and binding

Jurisdiction

These terms and conditions shall be governed by the applicable laws of Trinidad and Tobago.

These terms and restrictions solely relate to this offer; they do not apply to any other promotion or programs run by the bank alone, or to any promotions or programs run in tandem with the bank and other organizations or brands.

This promotion is approved by the NLCB.