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MASTER THE POSSIBILITIES
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A business like yours deserves the best, and that’s exactly what you’ll get with the
NCB Business Elite credit card. This card is your key to mastering all the possibilities
of business, including:
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Tap & Go or Chip & PIN for purchases when home or abroad
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Unlimited Cash Back*
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Purchase Protection and Extended Warranty
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ATM Robbery & Assault Protection
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Master Coverage & Master Global Service
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Worldwide Acceptance
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*0.5% cash back on non-government transactions and 0.4% on government transactions.
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Use your card for all your business expenses including:
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Purchase
inventory
and supplies
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Pay taxes
and other
governmentrelated
expenses
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Upgrade
or acquire
equipment
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Business
Travel
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Pay
Utilities
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Entertain
Clients
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ACTIVATE AND PIN YOUR CARD TODAY!
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STEP 1
Simply visit our website jncb.com/activate,
or call 876-936-4222 and follow the prompts.
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STEP 2
Select your 4-digit Personal Identication
Number (PIN). Ensure that the PIN you select
is easy for you to remember, but cannot be
easily guessed by others.
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STEP 3
Congratulations! Your card has now been
successfully activated and is ready for use.
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REAL REWARDS ARE YOURS WITH
NCB BUSINESS ELITE
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You Will Receive Cash Back Rewards
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Your cash back rewards will be credited to
your NCB Business Elite credit card twice a
year. Cash back accumulated from January
to June will be credited in July. Cash back
accumulated from July to December will be
credited in January. The cash back amount
is calculated on each dollar of net new
purchases (purchases minus returns and
adjustments) each month.
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The cash award amount will appear on
your statement to advise you of how much
you earned on purchases charged to your
account. Your account must be open and
in good standing for your cash award to be
credited to your account.
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Cash Back Rewards Terms and
Conditions
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Cash back rewards cannot be
combined with any other rewards.
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Cash back rewards accumulated on
transactions made internationally will
be converted to Jamaican dollars and
credited in Jamaican dollars.
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Cash back rewards are not transferable
and cannot be redeemed for cash.
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The cash back rate is subject to change
at the Bank’s discretion.
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Cash advances, purchases of money
orders, drafts or other cash equivalents
do not qualify for earning cash back.
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Cash back credit will not constitute a
payment. You are required to make the
regular payment as indicated on your
statement or the credit will be forfeited.
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REAL REWARDS ARE YOURS WITH
NCB BUSINESS ELITE
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Purchase Protection
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Make purchases without worry! If an item
you bought with your NCB Business Elite
credit card is damaged or stolen within the
first 45 days, you can receive up to US$200
towards the cost of repairs or replacement
in most instances.
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Extended Warranty
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Double the coverage! When you use your
NCB Business Elite credit card to make a
purchase, your manufacturer’s warranty
will be doubled (up to 1 extra year) for any
necessary repairs up to US$400.
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ATM Robbery & Assault Protection
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Your NCB Business Elite credit card doesn’t
just let you make purchases, it gives you
peace of mind too! This card replaces stolen
cash and provides you with benefits in the
event of death during a robbery or assault
while at the ATM. Stolen cash coverage up
to US$500.
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Mastercard Easy Savings
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With your NCB Business Elite credit card you
can save on everyday business expenses
from eligible program partners. Simply enrol
to get started. Registering is easy, visit
www.mastercardeasysavings.com.
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Master Rental
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When you rent a vehicle using your
NCB Business Elite credit card, an
insurance coverage will be provided up to
US$50,000 for damages to the rental vehicle
due to collision with another object, overturn,
theft, vandalism, accidental fire and physical
damage as a result of hail, lightning, flood or
other weather-related causes.
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Master Coverage
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Protects companies like yours from employee
misuse of the NCB Business Elite credit card
up to US$5,000.
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REAL REWARDS ARE YOURS WITH
NCB BUSINESS ELITE
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Mastercard Global Service
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Provides emergency card-related assistance,
anytime, anywhere, via one toll-free phone
call. These include:
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Lost/Stolen Card Report: File lost
or stolen card reports and initiate the
process to have your NCB Business Elite
credit card cancelled and replaced.
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Emergency Card Replacement (ECRs):
Replace your lost or stolen NCB Business
Elite credit card quickly—anywhere in the
world—at a convenient location. ECRs
are delivered in the United States by the
next day and within two business days
almost everywhere else.
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Emergency Cash Advance: If your
NCB Business Elite credit card has
been lost or stolen, you can request
an emergency cash advance and
make any necessary pickup/delivery
arrangements. Through our relationship
with our partners, you can access cash
at 233,000 locations worldwide.
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ATM Locations: The NCB Business Elite
credit card offers you the convenience
of being able to call to find the location
of a nearby ATM.
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For full information on your NCB Business Elite benefits, please
visit: www.mycardbenefits.com or call the
Mastercard Global Service toll-free line at
1-636-722-8883.
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MANAGING YOUR NCB BUSINESS
ELITE CREDIT CARD
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Once your NCB Business Elite credit card is
activated, each time you use it at the POS,
ABM or Online you will receive an automatic
transaction alert via email and/or SMS.
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Security Tips For Your Card
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Ensure that the envelope you receive
your NCB Business Elite credit card in is
SEALED.
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Ensure that the 4-digit PIN that you
create will be easy for you to remember.
However, we recommend that you do
not select your birthdate, telephone
number or any other easy-to-guess
combinations.
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Memorise your PIN. Do not write it
down on your credit card, keep it on
your phone, computer, or in an app.
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Do not share your PIN with anyone.
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Change your PIN immediately if you
think it has been compromised.
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You can change your PIN by calling
876-936-4222 or by visiting
www.jncb.com/activate
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Enhanced Protection Against Fraud
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Your new NCB Business Elite credit card
gives you advanced security every time you
shop, thanks to the power of EMV Chip and
PIN technology. The chip that is embedded
in your card acts as a micro-computer
which stores and protects your valuable
information. Each time you use your card
in-store or at an ABM, a unique number
will be generated. This number will change
every time you use your card, making it
almost impossible for your chip card to be
counterfeited.
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USING YOUR BUSINESS ELITE CREDIT CARD
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Use your NCB Business Elite credit card
locally or internationally at point of sale (POS)
machines, at the ABM or online to enjoy
the security and convenience of doing your
transactions faster and more securely.
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POINT OF SALE (POS) METHODS
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When you see the Tap & Go sign on the
terminal, just wave your card over the reader.
Your card will never have to leave your hand,
it’s the secure way.
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STEP 1: LOOK
FOR TAP & GO SYMBOL
AT CHECKOUT
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STEP 2: TAP
YOUR CARD ON THE
MACHINE
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STEP 3: GO
PAYMENT DONE
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Tap & Go for small-dollar purchases and
Tap & PIN for higher value purchases. Some
terminals may still require the Chip & PIN
method to process transactions. You will be
required to insert your card into the reader
and enter your PIN. If the merchant terminal
is not EMV-enabled, you will be asked to
Swipe & Sign.
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ONLINE
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Make purchases on any site that accepts
Mastercard. Always check if the site is
secured before you proceed with your
transaction. Your Cardholder Verification
Value (CVV) 3 digit number found at the back
of your credit card is usually requested to
complete your transaction.
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ABM
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Your NCB Business Elite credit card is
accepted at ABMs worldwide, so you can
obtain cash locally and internationally from
any financial institution.
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USING YOUR NCB BUSINESS ELITE CREDIT CARD
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Your Monthly Credit Card Statement
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Access your monthly statement electronically via email or Personal Online Banking at
www.jncb.com*. Your statement will outline purchases made and charges incurred during
the statement period. If you do not receive your monthly statement, please contact our
24-hour Customer Care Centre at 888-622-3477.
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*Only the primary cardholder will have access.
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Making Payments on Your Credit Card Account
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Your monthly payment is due 25 days after your statement is generated. To keep your
account in good standing, you must make at least your minimum monthly payment on or
before the due date. You may make your credit card payment by using our Online Banking
platform at www.jncb.com or via our Mobile App or through NCB ABMs and iABMs (Bank
on the Go). Please note, we require one full business day to credit your payment to your
account.
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USING YOUR NCB BUSINESS ELITE CREDIT CARD
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USING YOUR NCB BUSINESS ELITE CREDIT CARD
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Understanding Charges
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Your card account will not be charged any interest
on purchases and fees once the full payment of
the statement balance is received on or before
the payment due date.
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Joining Fee: Upon issuance of your NCB credit
card, a joining fee will be charged to your account
and included on your first monthly statement.
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Annual Fee: On the anniversary date of your
account, an annual membership fee will be
applied.
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Interest: If we do not receive your payment
within the period, we will charge you interest
on each purchase and fees applicable from the
date of the transaction to the date that the full
payment is received. For cash advances, interest
is calculated daily and charged from the date of
the cash advance until the cash advance is paid
in full.
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Late Payment Fee: A late payment fee will be
applied if the minimum payment is not made by
the due date.
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Over the Limit Fees: Any transaction, fee or
charge that takes your credit card account over
the authorised limit will result in an over limit fee.
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Currency Conversion: When a credit card is
used to make purchases or cash advances
in any currency other than that of the card
account, a conversion will be done at the daily
rate of exchange. All conversion fees and any
other expenses incurred in the processing of the
transaction will be applicable and charged to
your account.
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Cash-like transactions: Cash-like transactions
are those involving the purchase of items directly
convertible into cash or otherwise similar to cash.
These include money orders, wire transfers,
travelers’ cheques, foreign currency purchases,
stocks or shares and gaming transactions
(including betting, off-track betting, race track
wagers and casino gaming chips). A cash
advance fee and interest will be applicable to all
‘cash-like’ transactions.
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GETTING MORE FROM YOUR CARD
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Increasing Your Credit Card Limit
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We continuously review your account to assess for limit increases.
However, if your current limit is not sufficient to meet your business financial
needs, you may request a limit increase through your Business Banker and an assessment
will be completed.
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Adding an Additional Cardholder to Your Credit Card
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You may add an additional cardholder to your account by simply making the request through
your Business Banker.
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Take Care of Business
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Use Business Online Banking by visiting
www.jncb.com to pay bills, create third party
transfers and access your credit card statement
from anywhere any time. To sign up for Business
Online Banking, simply contact your Business
Banker or call our Customer Care Centre at
888-622-3477.
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Reporting Lost or Stolen Cards
Call us immediately about the loss, theft or unauthorised use of your NCB credit card.
The telephone numbers to report the incident are as follows:
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Jamaica: 888-622-3477 or 876-754-4622
North America and the Caribbean: 1-800-396-9665
Collect from the rest of the world: 1-303-967-1098
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NOTICE
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Please note that the information contained herein is subject to change from time to
time without prior notice. In the event that there is a conflict between the information
contained in this document and the NCB Credit Cardholder Agreement, the NCB
Credit Cardholder Agreement will be upheld.
Terms & Conditions and Associated Fees and Charges are available for review at
www.jncb.com and printed copies can be provided upon request.
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NCB Business Elite.
Master the Possibilities
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