NCB Visa Classic

Credit Card
Cash back

NCB Visa Classic

Welcome offer
No current welcome offer available.
Features
  • Earn cash back on everyday purchases
  • Worldwide Acceptance
  • Tap & Go Technology
Annual Fee
J$ 4,300.00
Purchase
Interest Rate
48.96%
Cash
Advance Rate
51.90%
Minimum
Payment
4.00%
Learn more
  • Earn Cash Back: Get 0.25% cash back on all purchases. The more you use your card, the more you earn!
  • Emergency Cash Assistance: Access cash instantly at ATMs worldwide or locally when you need it most.
  • Worldwide Acceptance: Shop and pay with ease at millions of locations around the globe.
  • Worldwide Travel Assistance & Accident: Enjoy added security and support while traveling internationally.
  • Price Protection: Find a better price on a recent purchase? NCB may reimburse the difference.
  • 0% Interest for 3 Months on Installments: Break down larger purchases into manageable monthly payments.
  • Tap & Go Technology: Pay quickly and securely with a simple tap at contactless terminals.
  • Understand Your Fees: The NCB Visa Classic Card has straightforward fees. For a detailed breakdown, visit the NCB Schedule of Rates & Charges.
Eligibility

Eligibility requirements:

  • You must be at least 18 years old
  • You must be a Jamaican resident
  • You meet the minimum monthly gross income requirement of J$50,000
  • Have a good credit history
  • You intend to use the card for personal banking only

Documents required:

  • Proof of address (e.g. utility bill, bank statement)
  • Two forms of valid ID (Driver’s License, Passport, National ID, or Voter’s ID)
  • TRN card (only required if your ID is not a Driver’s License)
  • Salaried Employee: Last 3 payslips or bank salary deposits and/or signed job letter
  • Self-employed/Sole trader:
    • 6-12 months of bank statements
    • Business Certificate
    • Past 3 years of financial statements or filed tax returns with proof of tax payments

Investment Disclosure - Managed Funds

Please note that past performance of managed funds, including unit trusts and mutual funds, does not guarantee future results. While historical performance can provide valuable insights into a fund’s track record and management capabilities, it should not be the sole basis for making investment decisions.

Managed funds are subject to market fluctuations, economic conditions and various other factors that may affect their performance. Investors should carefully consider their investment objectives, risk tolerance and financial situation before investing in any managed fund.

Additionally, it’s essential to conduct thorough research and consult with a qualified financial advisor to ensure that the selected managed fund aligns with your individual investment goals and preferences.

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Fixed Income Investment Disclaimer:

  • Interest Rate Risk: The value of your fixed income investment may decline if interest rates rise. As rates go up, investors may be able to earn higher returns on new investments, potentially making your existing fixed-rate investment less attractive.
  • Credit Risk: There is always the possibility that the issuer of a fixed income security, like a CD, may default on their obligation to repay your principal or interest. This risk is generally lower with government-backed securities but can be higher with corporate bonds.
  • Market Volatility: Even fixed income investments can experience some price fluctuation, especially in secondary markets where they may be sold before maturity.
  • Early Withdrawal Penalties: Some fixed income investments, like CDs, may impose penalties if you withdraw your funds before the maturity date.

Before investing in any fixed income product, carefully consider your investment goals, time horizon, and risk tolerance. It’s important to understand the specific features and risks associated with each type of investment. Consider consulting with a financial advisor to ensure these investments align with your overall financial plan.

This information is for general purposes only and does not constitute financial advice.

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While we strive to maintain accuracy and transparency, please understand that featured products may influence their placement on our website. However, rest assured that our rankings and recommendations remain impartial and grounded in objective analysis.

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Last Updated: March 8, 2024. 

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