What types of personal credit card products do you offer?

We offer four types of personal credit cards from which you can choose. These are:

1. AAdvantage® Mastercard Platinum2. AAdvantage® Mastercard Standard
3. Mastercard Standard
4. Visa Classic
What are the requirements to apply for a Credit Card? Applying is easy. If you are an account holder, you will need to:
a. Complete the application form
b. Submit the form via our online secured message center and advise from which branch you wish to pick up your Credit Card from. Alternatively you can also submit an application at the nearest branch.
c. Provide us with a copy of a completed employment verification form or other proof of income

Non-BBL customers will be required to open an account before submitting a credit card application.
What are the benefits of a AAdvantage© MC Platinum credit card? AAdvantage© MC Platinum benefits are:
1.) Concierge – personal assistance 24/7 /365 to fulfill every cardholder request
2.) Master Travel Assistance Services – provides pre-trip destination information
3.) Master Travel Services – provides free upgrades, early check-in/later check-out, free breakfast and special amenities
4.) Master Assist Plus – for medical expenses up to US $25,000
5.) Master Rental – US $75,000 up to 31 consecutive days
6.) Instant payment towards your Credit Card via Belize Bank’s online/mobile banking application
7.) Standing orders, so you are never late with your payment.
8.) International spending limit up to a maximum of US$7,500 monthly or $35,000 annually.
9.) Redemption of your accumulated miles for airline travel, car rentals, hotel stays and vacation packages can be easily made through the American Airlines website
10.) Insurance-offers financial protection so that you can have ease of mind knowing that you are covered for unforeseen circumstances (ask one of our friendly banking representatives about the cost and valuable coverage of a life or life and critical illness insurance)
What are the benefits of a AAdvantage© MC Standard credit card? AAdvantage© MC Standard benefits are:
1. ) Purchase Protection – Covers eligible purchase up to for losses caused by accidental damage or theft. Covers up to USD $100 per occurrence / US $200 per 12 months, up to 45 days after the covered purchase
2.) Master Global Services – which provides emergency card-related assistance anytime, anywhere, via one toll-free phone call.
3.) Instant payment towards your Credit Card via Belize Bank’s online/mobile banking application
4.) Standing orders, so you are never late with your payment.
5.) International spending limit up to a maximum of US$7,500 monthly or $35,000 annually.
6.) Redemption of your accumulated miles for airline travel, car rentals, hotel stays and vacation packages can be easily made through the American Airlines website
7.) Insurance-offers financial protection so that you can have ease of mind knowing that you are covered for unforeseen circumstances (ask one of our friendly banking representatives about the cost and valuable coverage of a life or life and critical illness insurance)
What are the benefits of a Classic Visa credit card? Classic Visa benefits are:
1.) Price Protection– If the item is paid with a card and within 30 days of the date purchased, and you see either a printed ad or non-auction internet ad for the same product by the same manufacturer in the same market for a lower price, Visa will refund the difference up to the benefit amount per item and (per account for a 12 month period).
2.) Instant payment– in selecting the immediate payment option via our online or mobile banking services, you will instantly have access to your funds (minimal fee applies).
3.) Insurance-offers financial protection so that you can have ease of mind knowing that you are covered for unforeseen circumstances (ask one of our friendly banking representatives about the cost and valuable coverage of a life or life and critical illness insurance)
4.) Standing Order-allows you to automatically make recurring bill payments on dates of your choosing. You have control to set up the payment amount and dates, and in the case of your credit card, you can pay the minimum or full balance.
What are the benefits of a Mastercard Standard? Mastercard Standard benefits:
1.) Master Global Services provides emergency card-related assistance any time, anywhere, via one toll-free phone call. Services include Lost/Stolen Reporting Service, Emergency Card Replacement Service, Emergency Cash Advance and ATM Locations.
2.) Purchase Protection reimburses you for theft and/or accidental damage of purchased items. You can get up to US $100 per occurrence / US $200 per 12 months. Coverage applies for up to 45 days after the covered purchase, which must be paid in full with your Mastercard credit card.
3.)Instant payment– in selecting the immediate payment option via our online or mobile banking services, you will instantly have access to your funds (minimal fee applies).
4.) Insurance-offers financial protection so that you can have ease of mind knowing that you are covered for unforeseen circumstances (ask one of our friendly banking representatives about the cost and valuable coverage of a life or life and critical illness insurance)
5.) Standing Order-allows you to automatically make recurring bill payments on dates of your choosing. You have control to set up the payment amount and dates, and in the case of your credit card, you can pay the minimum or full balance.
Will I get a PIN along with my credit card? Yes, Credit cards can come with a four-digit personal identification number (PIN).
Do I need a PIN for credit card purchases? Make sure you know your PIN at all times to avoid disruption in card acceptance. PIN presents an additional security and it depends on the merchant (acquiring bank) how the Point of Sale machine was configured and whether PIN will be required or not.
PIN will always be required for cash advances at ATMs (locally and internationally).
What happens if I misplace my PIN?

You have the option to submit a request for the replacement pin through the online message center that is available via the mobile banking app or after you login online. You can also call customer support at 227-7132, or visit the nearest Belize Bank branch to submit your request.

Please note that when you are travelling abroad, Bank won’t be able to provide you with a new PIN number over the phone, via text or even via email.

You always need to get your PIN personally at the branch. Alternatively, when you are traveling abroad for a longer time, an authorized person (via notary) can pick up a PIN on your behalf.
How can I insure my credit card?

Credit Card Insurance is an available and recommended option. You can select either of the two options when completing the application form.

Insurance gives you a peace of mind knowing that your outstanding balance can be covered in the event of critial illness or other unforseen life events covered by the insurance. Ask one of our friendly bank representatives about the cost and valuable coverage each insurance offers.
What is the interest rate charged on credit cards? Our interest rates are competitive with those on the local market at 22% annually. Interest is calculated on the average daily balance on your account. A customer can choose to pay the minimum payment or any amount between minimum payment and balance outstanding. If the full payment is made on or before the due date shown on the credit card statement, the interest will be discounted. (The interest is shown on the statement, but it is reversed the following month.)
What is the membership fee on personal credit cards? Visa Classic Personal $50USD main holder and $25USD co-applicant Mastercard Standard Personal $50USD main holder and $25USD co-applicant Mastercard Standard Personal – AA $160BZD main holder and $40BZD co-applicant Mastercard Platinum Personal – AA $180BZD main holder and $60BZD co-applicant
How can I check my credit limit and card balance? You can easily access your credit card information online. After logging in, you will see your Credit Card number after which you will need to select the card you wish to view from your list. There you will be able to see your billing statement, and current summary which includes your credit card limit, outstanding and available balances, and all credit card transactions (settled and pending).
What should I do if I need a higher limit? You can request a credit limit increase via your online banking secure message center, over the phone at 227-7132 or through a loan officer at the nearest Belize Bank Limited branch.
What happens if I exceed my credit limit? Mastercard credit card (dual currency) allows you to go above your limit by 10% and Visa credit card allows you to go above your limit by 5%. In many cases, your credit card transaction will be declined if the amount exceeds those limits. Going over your limit will result in a fee of $50BZD or $25USD.
Is my credit limit and spending limit the same? Your monthly credit limit is the maximum amount of credit granted to you on your credit card. Your limit is considered a revolving credit since it is a line of credit that remains open even as you make payments. When you pay down a balance on that credit, that money is once again available for use (less the interest charges and fees).
Spending limits refer to the maximum amount you can spend in a foreign currency (USD). Currently this amount is US$7,500 monthly or US$35,000 annually regardless of the credit limit you have. You only need to continue paying your owing balance.
Your monthly credit limit is accessible online and on your credit card statement.
What is my current spending limit? Currently our spending limits are US$7,500 monthly or $35,000 annually. You will be able to easily view your remaining spending limit online. SImply select the specific card you wish to obtain the information from and select the option “view transactional limit”.
Are there any other fees I should be aware of? If the minimum payment due on your credit card account each month is not received on time, your credit card will incur a late fee. Your credit card late fee is $60BZD or $30USD. Your subsequent billing statement should show any late fees that were charged.
What should I do if my credit card is lost or stolen? If your card is lost or stolen, immediately call us at +501-227-5033 and we will block your card. A replacement card will be provided within 3-5 days business days from the date your report was taken. If you happen to be in the United States, a card can be replaced within 48 hours if you call the following 24-hour service number: 877-973-5322.
How do I file a dispute for a transaction I did not process?

Customers receive a Credit Card transactional alerts informing about each transaction, if you don’t recognize one of them, file a dispute immediately. Before that, please make sure that your card was not used by your closest family or was not added to any recurring payments for streaming services, music or gaming.

You can easily submit a credit card dispute via your online banking secure message center, over the phone at 227-7132, or through a customer service representative at the nearest Belize Bank Limited branch.
Are there any fees associated with a dispute? We strongly recommend that you make a thorough review of your transactions before filing a dispute. Disputes that are found to be ‘friendly fraud’ will carry a fee of BZ$35. Friendly frauds are transactions that, upon investigation, are found to be legitimate charges processed by you or someone who had access to your card.
What will be my monthly payment? You have the option of paying the entire balance within 20 business days of the statement date, or paying in installments. If the latter is chosen, a minimum of 5% of the outstanding balance or US$25.00/BZ$50, whichever is greater, must be paid on or before the due date. Payments can be made online.
How can I pay my credit card? Credit card bills can be paid online or offline. Please note that instant credit card payments are 50% cheaper online than offline. Online methods include using your mobile banking app or internet banking. Offline methods include paying over-the-counter, or by contacting customer support via your online message center.
What is my credit card billing address? Your credit card billing address is normally the same address that appears on your monthly credit card statement. It is a verification step that some companies use when you make online purchases. Some American merchants require you to have a billing address in the US. If not, your transaction may be declined.
Can I use my international credit card locally? Yes, you easily make purchases locally or internationally with your Mastercard or Visa credit card. Our MasterCard Credit Cards are dual curreny and billed in Belize Dollars; therefore, if you make local purchases, no foreign exchange fee will be incurred.
Can I withdraw my credit card funds from the ATM or bank branch? Yes, you can complete ATM or over-the-counter withdrawals from your credit card. However, we recommend that you use your credit card at POS merchants or online which is significantly cheaper than completing ATM withdrawals/cash advances.
Why is my credit card being declined? You can easily check your credit card limits via mobile app or online banking platform “view transactional limits”. If displayed limits won’t be sufficient (when you are traveling or expect large online transactions) contact our Customer Support Center to open parameters and ensure smooth acceptance.
Who should I contact when my card is being declined? For immediate credit card assistance outside business hours (6pm to 7am) and over the weekend, please be informed that you can call 227-5033 or WhatsApp 614-1856. During normal business hours, please feel free to contact us at 227-7132 or via your online banking secure message center/my inbox that is available from 8am to 6pm from Monday to Friday.
Do I need to inform you when I will be using my credit card abroad? Yes, the safest and quickest way to do so is by sending us a message through our online banking message center (available in your online or mobile banking after log in). You can also email us at [email protected] or visit your nearest Belize Bank branch.