Ever walk into the grocery for “just one thing” and somehow leave with three bags? It happens to the best of us. One quick stop turns into a trolley full of “might as wells,” and before you know it, you’ve spent way more than you planned.

The good news? Budgeting doesn’t have to mean saying no to everything you enjoy. Sometimes, it’s just about giving yourself a spending limit that actually sticks.

That’s where the First Citizens Mastercard Prepaid comes in. With this card you decide exactly how much money you load onto it, and that’s all you can spend. Once those funds are used up, spending stops until you reload the card.

No surprise bills. No interest charges. No coming home with a haul when you just planned to pick up one thing.

In your online shopping era? We got you

More of life in T&T is happening online than ever before. From ordering food, to streaming matches, to buying fete tickets. The First Citizens Mastercard Prepaid card is ideal for all these uses, giving you access to it all without the need for a traditional credit card.

Caribbean people love to go “all out” and sometimes that could lead to overspending, especially when you’re shopping online for a new outfit to wear to the boat ride, or when your salary hits your account on a Friday evening and the excitement gets the best of you.

With this Mastercard Prepaid card, you load what you need, spend what you have, and avoid the worry of debt or interest charges.

Plus, you can access up to US$400 per cycle for your online purchases, so you can shop from your favourite international sites too…and be eligible for cash back on the local purchases!

Did somebody say cash back?!

Imagine getting paid to shop. Sounds too good to be true right? Well, with the First Citizens Mastercard Prepaid card, you get 0.3% cash back on all eligible local purchases.

Whether you’re treating yourself to something special or just getting errands done, your everyday spending can earn rewards.

Plus, you can also add your card to Google Pay for even easier contactless payments. That means one less thing to carry when you’re on the move!

Load it up, Live it up!

Need to add more funds?

Reloading your First Citizens Mastercard Prepaid Card is simple through the Mobile Banking App, Online Banking, ATM deposits or Fast Deposit.

That means you’re always in control of when and how much you add, making it easier to stick to your financial plan.

Ready to get things started?

No need to battle the traffic or sneak out of work early. Your First Citizens Mastercard prepaid application can be completed entirely online!

Here’s what you’ll need:

• A valid form of government issued identification
• A utility bill like TSTT, TTEC or WASA for proof of address
• A job letter, not more than 6 months old or
• Your most recent salary slip

Before you hit submit, complete the Customer Data Form and Interactive Electronic Service Agreement Form, both found in your application portal.

Your application can be processed in as little as three (3) business days and your card will be delivered straight to you via TTPOST, without you even having to leave your couch.

Spend smart and stress less

We support you treating yourself! Nobody said you shouldn’t splurge on a sushi platter here and there, because managing your money isn’t about spending less, it’s about spending smart.

The First Citizens Prepaid Mastercard gives you the freedom to pay digitally, shop locally and internationally, without exhausting the budget and taking on credit card debt.

Let’s help you take control of your spending! Visit firstcitizensgroup.com to learn more about the First Citizens Prepaid Mastercard or to start your application.

2 IN 1 VISA CREDIT CARD

You can have your cake and eat it 2!

Meet the 2 In 1 Visa Credit Card.

When your heart says YES and your bank account says not right now, don’t give up hope. With a 2 In 1 Visa Credit Card, there’s another way to make that purchase.

Picture this, it’s CPL season again and the old TV you’ve been nursing for years finally decides it’s had enough. You can’t miss the TKR matches, but buying a new TV would throw this month’s budget completely off track.

So, here’s the solution. Instead of paying the full amount upfront, your First Citizens 2 in 1 Credit Card can mark that purchase as a small loan. That means you qualify for a longer payback period with smaller monthly payments.

Now, you can catch every match on your new TV, while still having access to your core credit card for everyday spending. Sounds like a winning play, right?

So, how does it all work?

Think of it as two ways to pay with one credit card.

Firstly, it works like a Classic Credit Card. You can use it for your everyday purchases like cashing your grocery cart or buying fete tickets online. Whatever’s on the agenda.

Secondly, it helps you manage larger purchases like Christmas renovations or that new TV.

Here’s how we decide which is which:

Qualifying larger purchases between TT$5,000 and TT$16,000, can be placed on a fixed repayment plan, giving you the option to spread your payments over 24 months at a lower interest rate. Simply put, you get up to two whole years to repay what you owe.

What else is in it for YOU?

Anything that makes your life a little easier, feels like a win-win for us. That’s why First Citizens always aims to give you a little something back. With the 2 In 1 Visa Credit Card, you get 0.75% cashback on ALL purchases.

You also get flexible repayment options and access to First Citizens digital banking services, including Online Banking, The Mobile Banking App, alerts and Google Wallet.

Plus, as a sub segment of VISA, you get even more benefits like Price protection, Emergency Card and Cash Replacement.

Now, let’s talk numbers!

Here’s what comes with the First Citizens VISA 2 in 1 Credit Card:

• A credit limit range of TT$5,500 to TT$16,000

A card valid up to 3 years however the repayment period for the loan facility is 2 years, An annual fee of TT$250

• Access to up to US$1,000 per cycle

Ready to get things moving?

Gather these docs first :

• A job letter, not more than 6 months old
• Your most recent salary slip
• Two (2) forms of identification
• A utility bill like TSTT, TTEC or WASA for proof of address

You’ve got options!

Plan for every purchase

You wouldn’t wear heels or dress shoes to Maracas, because different occasions call for different choices. The same principle applies to your spending.

Some purchases only need a quick tap. With others, you need a little more breathing room.

The First Citizens 2 in 1 Visa Credit Card gives you the convenience of a credit card for your everyday spending, with the added support of a payment plan when you need it, so you have options to make the best call for your purchases.