FGB Platinum Plus – Pricing & Terms Summary

Key Financial Terms

Feature

Details

Card Type

VISA Platinum Credit Card

Currency

Jamaican Dollars (JMD)

Annual Fee

J$12,500 + GCT

Interest Rate (APR)

42% per annum (fixed) on purchases and cash advances

Cash Advance APR

Same as purchase APR; no grace period applies

Grace Period

Up to 50 days on new purchases (if balance paid in full by due date)

Minimum Monthly Payment

5% of outstanding balance or J$1,000 (whichever is higher)

Late Payment Fee

J$3,000

Over Limit Fee

J$3,000

Cash Advance Fee

5% of transaction or J$500 (whichever is greater)

Foreign Transaction Fee

None charged by FGB; VISA exchange rates apply

Card Replacement Fee

J$2,500 (local) / USD $35 (international)

Important: Interest begins accruing immediately on cash advances. Grace period only applies when your statement balance is paid in full by the due date.

Included Benefits – No Extra Cost

Category

Benefit Details

Cashback Rewards

2% on Grocery, Travel, Dining, Utilities; 1% on other eligible spend

Travel Perks

1,280+ lounges globally, trip protection, room upgrades, concierge

Lifestyle Access

Platinum Circle invitations, Michelin dining, VIP experiences

Purchase Protection

Extended warranty, price match, damage/loss cover on eligible items

Health & Emergency

Up to USD $170,000 in overseas medical coverage through VISA Platinum

🛫 Benefits are provided by VISA Platinum and are subject to availability by region and merchant classification. Terms apply at visa.com/benefits.

Credit Education & Usage Tools

We encourage you to use your credit responsibly and take advantage of tools that support your financial wellbeing:

• In-App & SMS Nudges – Custom usage reminders, due dates, and spend alerts
  
  

• Fraud Protection – Real-time alerts and 24/7 fraud resolution support
  
  

• Credit Health Tips – Stay within 30% of your credit limit for optimal credit performance
  
  

These tools are informational only and do not constitute financial advice. Consult a licensed advisor for personal guidance.

Transparency on Cashback

• Cashback is automatically credited to your monthly statement
  
  

• No separate enrollment is required
  
  

• Merchant Category Codes (MCCs) are used to classify eligible transactions
  
  

• FGB is not liable for merchant classification errors
  
  

See the full cashback terms in your FGB Cardholder Agreement (PDF).

Disclosures & Conditions

• All fees, features, and rewards are subject to credit approval and your individual cardholder agreement
  
  

• Offers and benefits may change without notice
  
  

• Rewards may not be combined with other promotions
  
  

• Grace period does not apply to cash advances
  
  

• Payments are applied per FGB’s allocation policy (interest and fees first, then principal)
  
  

For complete legal terms, refer to:

• FGB Cardholder Agreement (PDF)
  
  

• GraceKennedy Terms & Privacy Policy
  
  

• Platinum Plus Campaign Terms of Use
  
  

Regulatory & Compliance Notes

• Issuer: First Global Bank Limited (FGB), a member of the GraceKennedy Financial Group
  
  

• Regulated by: Bank of Jamaica (BOJ)
  
  

• Operates in accordance with:
  
  

  • The Fair Trading Commission Act
    
    

  • The Consumer Protection Act
    
    

  • The Data Protection Act, 2020
    
    

All personal data is stored and processed securely in accordance with Jamaican law and VISA's global data standards.

Need Support?

For questions, disputes, or account assistance:

📧 Email: [email protected]
📞 Call: 1-888-CALL-FGB (225-5342)

Disclaimer

This document is a summary of key pricing and terms and is provided for informational purposes only. It does not form a contract. Use of the FGB Platinum Plus Credit Card constitutes agreement to the full terms outlined in the FGB Cardholder Agreement. Terms are subject to change at FGB’s discretion.