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MASTER THE WORLD OF BUSINESS
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A first-class business like yours needs a first-class credit card to help it actualize its full
potential. The NCB Executive Travel Business credit card is your solution, offering the
flexibility, convenience, security, rewards and a range of other benefits to enhance your
business needs to soar to new heights.
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Tap & Go or Chip & PIN for purchases when home or abroad
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1 point for every US$1 or JM$ equivalent you spend on non-government transactions
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1 point for every US$5 or JM$ equivalent you spend on government transactions up to
US$16,000 per annum
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Redeem points for: Flights | Hotel stays | Car rentals | Countless exclusive offers
Online & in-store point redemption with your NCB Miles virtual card
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Extended Warranty and Purchase Protection
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LoungeKey access to airport lounges worldwide with three (3) complimentary passes per
cardholder annually
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Use your card for all your business expenses including:
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Business
Travel
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Entertain
Clients
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Purchase Inventory
and Supplies
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Upgrade or
Acquire Equipment
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Pay
Utilities
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Pay taxes and other
government-related
expenses
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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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EXECUTIVE BENEFITS ARE WAITING...
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With your new NCB Executive Travel Business
credit card, you can take your business to the
next level!
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Earn 1 point for every US$1 or JM$ equivalent
you spend on non-government transactions
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1 point for every US$5 or JM$ equivalent you
spend on government transactions*.
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Redeem points instantly when making
purchases in store or online.
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With the NCB Miles portal, your rewards give you
access to the best experiences life has to offer:
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Fly anywhere in the world, including
the most popular destinations on any
airline of your choice without blackout
date restrictions.
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Hotel accommodation and room
upgrades at exclusive deluxe hotels
and resorts around the world.
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Car rentals
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Extensive redemption opportunities
in-store and online.
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*Up to US$16,000 per annum on government transactions.
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EXECUTIVE BENEFITS ARE WAITING...
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Accessing your NCB Executive Travel
Business Rewards
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With your NCB Executive Travel Business credit
card, you will get access to the NCB Miles portal
that provides convenient and unparalleled access to
rewards. Register using your email address and use
the NCB Miles portal at www.ncbmiles.com to
book fl ights, hotels and car rentals all while earning
rewards. Download the mobile app by searching for
NCB Miles in the Apple Store or Google Play Store.
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With NCB Miles receive lots of awesome
incentives!
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Access to extensive redemption opportunities
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Use your NCB Miles rewards at over 61
million merchants worldwide, online and
in-store wherever Mastercard is accepted*
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Up to US$500 in compensation for fl ight or
luggage delay
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Up to US$50,000 for medical emergencies
when travelling
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Receive compensation for lost luggage or
damage to luggage
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Modify your booking or make cancellation
without extra fees
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*This feature may not be available with all merchants or in all
territories.
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EXECUTIVE BENEFITS AWAIT...
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Purchase Protection
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Make purchases without worry! If an item that
you buy with your NCB Executive Travel Business
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
Executive Travel Business 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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Replace stolen cash and/or receive a benefit in
case of death, or robbery/assault while using your
NCB Executive Travel Business credit card at an
ATM. Get Stolen Cash coverage up to US$600 in
total coverage.
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Mastercard Concierge
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No matter how big or small the problem, the
Mastercard Concierge Service is here to help.
The Mastercard Concierge Service delivers
unlimited support and service, allowing you to
live your life with minimal stress and maximum
peace of mind. For 24 hr assistance, contact
the Mastercard Concierge at 1-866-723-4549
(from the Caribbean) or 1-636-722-8883 (when
travelling abroad).
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LoungeKey
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Travel in style with instant access to airport lounges
worldwide, regardless of your choice of airline,
frequent flyer membership, or ticket class. Each
cardholder (primary and supplementary) now has
access to three (3) complimentary passes per
year. Register at
loungekey.com/executivebusinessjncb
or download the LoungeKey mobile app via
Google Play or App store.
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EXECUTIVE BENEFITS AWAIT...
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Master Rental
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Rent a vehicle without hassle! Use your NCB
Executive Travel Business credit card to pay your
entire rental transaction and decline the waivers
offered by the rental company. Damages to your
rental vehicle made by collision, theft, vandalism,
or accidents are covered up to US$75,000
(Worldwide) for 31 consecutive days.
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Master Coverage
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Protects your business from employee misuse of
the NCB Executive Travel Business credit card up
to US$15,000.
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Master Travel
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Travel with confidence! Your NCB Executive
Travel Business credit card protects you against
accidental death, loss of limb or paralysis when
travelling by a common carrier when you use it
to purchase tickets. It also, includes 24-hour
accidental death coverage, up to US$500,000
coverage for travel accident.
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Travel Assistance Service
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With your NCB Executive Travel Business credit
card, Travel Assistance is your guide to many
important services you may need when travelling
such as travel advice, medical and legal referrals.
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Master Assistance Plus
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Get reimbursed for international medical
expenses, hotel recuperation, emergency
business travel costs, and more, when you book
your next business trip with your NCB Executive
Travel Business credit card. Medical Expenses are
covered up to US$100,000 for 31 consecutive
days.
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Trip Inconvenience
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We understand that time is money! That’s why
your trips paid in full with your NCB Executive
Travel Business credit card are covered from
delays and cancellations. Receive coverage in
excess of common carrier’s liability coverage up
to US$3,000 for cancellations and up to US$200
for delays over 4 hours.
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EXECUTIVE BENEFITS AWAIT...
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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 Executive Travel Business credit card
cancelled and replaced.
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Emergency Card Replacement (ECRs):
Replace your lost or stolen NCB Executive
Travel Business credit cards 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 card has
been lost or stolen, 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: Your NCB Executive Travel
Business credit card offers you the convenience
of being able to call to find the location of nearby
ATMs.
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For full information on your NCB Executive
Travel Business credit card benefits, please
visit: www.mycardbenefits.com or call the
Mastercard Global Service toll-free line at
1-636-722-8883.
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EXECUTIVE BENEFITS AWAIT...
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Priceless Cities
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With the NCB Executive Travel credit card you
get access to experience the uniqueness and
individuality of cities around the world. This
includes tickets to popular concerts and revered
sports events, exclusive access to restaurants,
stores and much more.
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Visit www.priceless.com for more details.
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Mastercard Easy Savings
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With your NCB Executive Travel Business
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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MANAGING YOUR NCB EXECUTIVE
TRAVEL BUSINESS CREDIT CARD
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Once your NCB Executive Travel Business 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 Executive Travel Business 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 easyto-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 Executive Travel Business 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 NCB EXECUTIVE TRAVEL
BUSINESS CREDIT CARD
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Use your NCB Visa Platinum Business 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 cards. 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 card, is usually
requested to complete your transaction.
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ABM
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Your NCB Executive Travel Business 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 EXECUTIVE TRAVEL
BUSINESS CREDIT CARD
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Your Monthly Credit Card Statement
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Access your monthly statement electronically via email or Business 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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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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*Only the primary cardholder will have access.
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USING YOUR NCB EXECUTIVE TRAVEL
BUSINESS CREDIT CARD
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USING YOUR NCB EXECUTIVE TRAVEL
BUSINESS 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 to the account for both primary and
supplementary cardholders.
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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:
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 Executive Travel Business
Master the World of Business
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