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Visa® Platinum Credit Card

You've earned the privilege. Enjoy the rewards.

Offering exceptional purchasing power, peace-of-mind travel and insurance services, and exclusive Cardholder benefits, the First Citizens Visa® Platinum Card is the only credit card you need.

As a First Citizens Platinum Visa® Cardholder, you will enjoy unparalleled worldwide acceptance, exclusive Visa® Platinum privileges including acceptance at over 25 million merchants worldwide, travel assistance services, personalised website for rewards and more.


Apply Today!

Click here to download a Visa® Platinum application form.

First Citizens Rewards

When you’re approved for a First Citizens Visa® Platinum Card, you will be enrolled in the exclusive First Citizens Rewards programme and earn points towards travel, entertainment and other benefits. You’ll earn one First Citizens Rewards point for every 2 Barbados dollars you spend on qualifying purchases with your First Citizens Visa® Platinum Card.

First Citizens Rewards offers a flexible rewards solution that can be used for a wide array of benefits including:

  • Airline tickets to any destination worldwide on any airline with no blackout dates
  • Access to Visa’s exclusive Travel Specialists to assist with travel plans
  • Lodging at exclusive hotels and resorts around the world
  • Vehicle rental insurance available worldwide*
  • Cruises and special travel packages

If you’re a member of an airline frequent flyer programme, you can earn additional miles when you redeem your First Citizens Rewards points to purchase tickets on that airline.


Bonus Points for signing up

All new Platinum Cardholders will be automatically awarded 1,000 First Citizens Rewards points with their new First Citizens Visa® Platinum Card!

As a First Citizens Platinum Visa® Cardholder, you will enjoy all of these special benefits:

  • Unparalleled worldwide acceptance
  • Security and Convenience
  • Exclusive Visa® Platinum Privileges
  • Personalised Visa® Platinum Website
  • Travel Assistance Services
  • Auto Rental Insurance
  • Travel Accident Insurance
  • Emergency Medical Indemnification
  • Visa® Platinum Assistance Centre
  • Visa® Emergency Services
  • First Citizens Card Plus Programme
  • Easy Point Redemption Process


Unparalleled worldwide acceptance

Your First Citizens Visa® Platinum Card provides you with instant purchasing power at over 29 million merchant locations, and access to funds at over one million ATMs worldwide.


Security and convenience

Your First Citizens Visa® Platinum Card provides you with 24/7 Cardholder assistance services. Whether you have a question about your account or the features of your Card, need emergency assistance, or have to report your Card lost or stolen, we’ll be there when you need us.


Exclusive Visa® Platinum privileges

As a First Citizens Visa® Platinum Cardholder, you'll be invited to participate in special offers and opportunities that have been developed exclusively for Visa® Platinum Cardholders.* Read more.


Personalised Visa® Platinum website

Specifically designed with you in mind, the website is your personal portal. Get information regarding your First Citizens Visa® Platinum Card benefits, as well as a summary of the First Citizens Rewards points you’ve earned and redeemed. You can also obtain information on exclusive offers for Visa® Platinum Cardholders. Read more.


Travel assistance services

Visa’s Travel Assistance Services provides reliable destination information or pre-trip planning advice as well as help with lost baggage assistance, legal referrals and a wide range of services available to Visa® Platinum Cardholders who are travelling over 100 miles from their home.* Read more.


Auto rental insurance

As a First Citizens Visa® Platinum Cardholder, you may obtain Auto Rental Insurance free of charge anywhere in the world each time you rent a car using your First Citizens Visa® Platinum Card.* Read more.


Travel accident insurance

Cardholders and their families receive Travel Accident Insurance of up to US$500,000.* Read more.


Emergency medical indemnification

Visa® representatives are available to guide and protect you around the clock in case of a medical emergency while on a trip paid for with the First Citizens Visa® Platinum Card. Visa’s responsive Emergency Service Team will step in and become a personal resource, arranging for dependable medical care and ensuring every need is handled with professionalism.* Read more.


Visa® Platinum Assistance Centre

The Visa® Platinum Assistance Centre includes an answering service, live call transfers and connection to your personal Visa® Travel Specialist. It is available 24 hours a day, seven days a week and 365 days a year. Read more.


Visa® emergency services

The Visa® Platinum Assistance Centre assists with emergency card replacement for lost and stolen cards, including expedited delivery of temporary replacement cards and emergency cash advances. Read more.


Easy point redemption process

Redeeming points is easy, you can either:

  • Use your personal Visa® Platinum online service at
  • Telephone the Visa® Platinum Assistance Centre; or
  • Contact First Citizens


For travel redemption you can refer to the pre-determined point redemption table or contact the Visa® Travel Assistance Service Team. A Visa® Travel Specialist can provide you with the number of points required for your travel and make the requested travel arrangements.


Pre-determined point redemption for popular travel destinations



Points Required(1)


Coach Class

Business Class






















Las Vegas



New York









Schedule of fees

Minimum annual individual income

BBD$200,000 (other qualifications apply)

Annual fee


Additional Cardholder fee


Card replacement


Cash advance fee

5% (of transaction); minimum BBD$5.00

Minimum payment

5% of statement balance; BBD$100 minimum

Late payment fee


Over limit fee


Interest rate

14% APR

Frequently asked questions

Here is a list of frequently asked questions and answers. Read more

For more information

Please contact us at:

  • First Citizens Card Services (246) 431 4553 / 431 4577
  • Visa® Platinum Assistance Centre:
  • Toll Free (USA & Canada) 1(800) 396 9665
  • Collect (from other countries) 1(410)902 8022
  • First Citizens facsimile (246) 430 0221

*Terms & Conditions apply.
(1)The number of points corresponds to flights where the departure or arrival point is within Barbados, unless as otherwise specified. Points offered are subject to review on an annual basis.

  • First Citizens Fifty Plus
  • Personal Lending
  • First Citizens Smart Start
  • Visa Classic and Gold
  • Merchant services
  • Mastercard