Access to cash advances and thousands of ATMs worldwide

The Citizens Bank Guyana Inc. Visa Credit Card can be used worldwide wherever the Visa brand is accepted. The Citizens Bank Visa Credit Card allows you to travel without cash. Your Citizens Bank Visa Credit Card gives you access to cash advances from financial institutions and thousands of ATMs worldwide.

1.5% per month

(subject to change at Citizens Bank’s sole and absolute discretion)

Credit Card Limits

Visa Classic Credit Cards — US$300.00 to US$5,000.00
Visa Gold Credit Cards — US$5,000.00 to US$50,000.00
Visa Business Credit Cards — US$5,000.00 to US$50,000.00

These US Dollar cards offer you:

  • Low interest rate of 18% p.a.
  • Low annual fees
  • Low late fees

Securities Accepted

  • Cash
  • Property – Transport
  • Guarantors with suitable collateral
  • Existing securities from mortgages

Benefits

  • The Security, Reliability, Flexibility and Payment Convenience of having a Visa card allows you to make purchases from the comfort of your home or office
  • Receive your card in 7 business days (provided that all the satisfactory requirements are met)
  • Emergency Card Replacement within 24 hours
  • Simple record keeping with prompt delivery of monthly statements showing the source currency of your transactions
  • Cardholder Online Inquiry gives you access to viewing your authorizations, transactions and last three statements
  • Visa Global Customer Assistance Services- lost or stolen card reporting and emergency replacement of lost or stolen cards
  • Simple record keeping with prompt delivery of monthly statements showing the source currency of your transactions
  • Receive alerts to your phone via SMS text or to your email every time a transaction is done. (Safety matters)

Documents Required for
Visa Clasic/Visa Gold Credit Card

  • Valid National Identification Card/ Passport/ Driver’s License
  • Proof of Address (Utility Bill/Recent Bank Statement (within the last three months)/Postmarked envelope)
  • Employment Letter stating current position, date of employment, salary and other cash benefits
  • If Self-Employed- provide last three Bank Statements and Income Statements
  • If Retired- provide evidence of pension/income
  • One Character Reference

Documents Required for
Sole Trader/Partnership Credit Card

  • Completed Application Form
  • Completed Official Nomination Form
  • Copy of Valid ID/ Driver’s License for each partner or owner of the business
  • Copy of Valid ID/ Driver’s License for each Nominated Cardholder
  • Proof of Address for each partner or owner of the business
  • Proof of Address for each Nominated Cardholder
  • Tin Certificate for each partner or owner of business
  • Tin Certificate for each Nominated Cardholder
  • Tin Certificate for the business
  • Certificate of Business Registration
  • Source of income document i.e. Balance Sheet, Affidavit of Income Statement
  • Character reference for each partner or owner of the business
  • Character reference for each Nominated Cardholder

Documents Required for
Incorporated Business Card

  • Completion of application form provided by Citizens Bank Guyana Inc. supported by the relevant company documents.
  • Copy of Valid Identification Card or Driver’s License of each director.
  • Financial Statements supported by copies of Annual Returns (previous 2 years)
  • Proof of address
  • TIN certificate
  • Two character references (applicable only to new account holders)
Consumer Cards

Visa Classic and Visa Gold

Documents Required for
Visa Clasic/Visa Gold Credit Card

  • Valid National Identification Card/ Passport/ Driver’s License
  • Proof of Address (Utility Bill/Recent Bank Statement (within the last three months)/Postmarked envelope)
  • Employment Letter stating current position, date of employment, salary and other cash benefits
  • If Self-Employed- provide last three Bank Statements and Income Statements
  • If Retired- provide evidence of pension/income
  • One Character Reference
Business Cards

Sole Trader / Partnership

Documents Required for
Sole Trader/Partnership Credit Card

  • Completed Application Form
  • Completed Official Nomination Form
  • Copy of Valid ID/ Driver’s License for each partner or owner of the business
  • Copy of Valid ID/ Driver’s License for each Nominated Cardholder
  • Proof of Address for each partner or owner of the business
  • Proof of Address for each Nominated Cardholder
  • Tin Certificate for each partner or owner of business
  • Tin Certificate for each Nominated Cardholder
  • Tin Certificate for the business
  • Certificate of Business Registration
  • Source of income document i.e. Balance Sheet, Affidavit of Income Statement
  • Character reference for each partner or owner of the business
  • Character reference for each Nominated Cardholder
Business Cards

Incorporated Business

Documents Required for
Incorporated Business Card

  • Completion of application form provided by Citizens Bank Guyana Inc. supported by the relevant company documents.
  • Copy of Valid Identification Card or Driver’s License of each director.
  • Financial Statements supported by copies of Annual Returns (previous 2 years)
  • Proof of address
  • TIN certificate
  • Two character references (applicable only to new account holders)

Help, tools and support

Click below for quick troubleshooting!

  • Problems Using Your Card?

    If you encounter a problem using your card outside of the USA, please call our Card Centre (24hrs) at Citizens Bank, Camp Street on telephone number 592-223-5208.
    If you are in the USA, call 1-866-303-3118 for emergency customer service. We can assist you 24hrs a day, 7 days a week, including holidays.
    For 24-hour Visa International support, call 1-800-847-2911 (within USA/Canada) or 1-303-967-1096 (Outside USA/Canada).
    Contact us immediately at the Citizens Bank Card Centre or call the Visa Card Centre if your PIN has been compromised or your Visa Credit Card has been lost or stolen.
    Remember to notify us when and where you will be travelling.
  • How do I pay for items with my chip card?

    It is really easy to use your chip card. Simply check that the retailer accepts Visa, select the goods you want to buy and take them to the checkout as usual. At the register, you will see a small device or machine with a keypad, a screen and a slot to insert your card. To pay, simply place card into the slot in the bottom of a payment terminal and leave it there for the duration of the transaction. Importantly, the card needs to remain in the reader until the transaction is complete, not swiped like a magnetic strip. Check the amount on the screen and sign the sales receipt. As is customary, one copy will be retained by the merchant and you will be given the other copy receipt as proof of purchase.
  • Why does the card have a chip?

    The chip is a way to store information digitally. The chip stores your data and replaces the card’s traditional magnetic stripe making it harder for hackers to make a counterfeit copy of your credit card if they steal your account information. The chips generate a unique code for every transaction, so if fraudsters steal data from a retailer, they won’t be able to use that information to make future purchases. The chips have become the standard in most of the credit-card-accepting world.
  • If I buy something at a store that does not accept chip, can I still use my chip card?

    Yes. You can use your chip card anywhere Visa is accepted. If the store does not accept chip, they will run the transaction using the magnetic stripe (swiping the card). However, while you will encounter payment terminals with support for both the magnetic strip and chip on modern credit cards, you can’t necessarily just use the magnetic strip on a chip-enabled machine. If you try to swipe a chip-enabled card on such terminals, you will probably be asked to insert the card and pay via the chip method.
  • How can you tell if the store machine is chip enabled?

    A chip-enabled reader has a slot into which you insert the card, like what you might see at an ATM. If you don’t see one, then the terminal is not chip-enabled.
  • Can I still use my old ATM PIN with the new chip card?

    A new PIN is generated for each chip credit card. If you had an old card the PIN for that card will no longer be valid with your new card. You will receive your PIN mailer when you uplift your new card. Please ensure that you securely store your new PIN as it may take some time to process your request should you require a new PIN.