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Terms and Conditions

1. Customers 18 years and over are eligible for entry to this promotion.

2. In all matters relating to this promotion, the Bank’s decision will be final and binding in all respects.

3. This promotion is approved by the NLCB. As such, First Citizens staff members and their immediate family, and employees of its advertising agency are not eligible for participation.

4. Promotional Period

  • This promotion runs from December 11th 2018 to February 16th 2019
  • The terms “Month”, “Months” and “Monthly” as used in this promotional offer refers to the credit card statement cycle as stated in Table 1.

5. Eligible Products
All First Citizens credit cards except Business credit cards are eligible for entry in this promotion.

6. Waiver Of The First Year Annual Membership Fee
New customers qualify to receive a waiver of the first year annual membership fee with the following exceptions:

  •  Customers applying for increases in upgrades in products, switches of products and customers who have cancelled their cards within the last 12 months do not qualify for the wavier of the first year membership fee.

7. Qualifying Transactions
Only purchase transactions qualify for entry in this promotion. Cash advances, quasi cash transactions, balance transfers, returns/credits, fees and finance charges and all other transactions are excluded.

  •  The Bank reserves the right to determine which transactions qualify for this promotion.
  •  Qualifying transactions refers to posted purchase transactions.

8. Qualified Customers
A customer must conduct a minimum of 12 or more qualifying transactions per statement cycle using eligible products to qualify for a chance win the campaign prizes of VISA Premium Carnival Packages.

9. Announcement of Grand Prize Winners
The Grand Prize winners will be announced by February 20th 2019.

10. Requirements from VISA International
Any tickets to events awarded as a prize, included as part of a promotion, or both, must be accepted as awarded and are subject to all of the applicable terms and conditions prescribed to such tickets from time to time by the organizer(s) of the corresponding event. By accepting such tickets as a prize and/or as part of a promotion, the holder of such tickets is deemed to have accepted all such terms and conditions, including granting Visa and each of its affiliates the right to use any images taken of the ticket holders from the moment that they receive the ticket until 12 months after the end of the corresponding game, in advertising, social media, or both.

Ticket Holders, their assignees, heirs, distributees, guardians, and legal representatives, knowingly release, indemnify, hold harmless, discharge, and waive and will not make any claims against, sue, or attach the property of any of the following persons and entities in connection with any claim arising from or in any way connected with the attending, participating in, or spectating at any aspect of the EVENTS FOR WHICH TICKETS HAVE BEEN RECEIVED (including related travel), regardless of the nature of such claims, Including but not limited to those that involve death, injury, damage, or loss of any type and regardless of how such claim arises, including if caused in any way by negligence, gross negligence, carelessness, or other acts or failure to act OF ANY SUCH party: Visa Inc., Visa International Service Association, and those entities controlling, controlled by, or under common control with, any of the foregoing, and any successors, successors in interest, and/or permitted assigns thereto, and each of their respective clients, and each of the foregoing’s parents, subsidiaries, affiliates, representatives, agents, designees, and advertising and promotion agencies, and the employees, personnel, designees, and representatives of all of the foregoing. IN ADDITION, IF REQUIRED BY VISA, TICKET HOLDERS SHALL SIGN A LIABILITY RELEASE FORM AND PHOTO AND VIDEO RELEASE WAIVER, IN A FORM AND FORMAT PROVIDED BY VISA.”


Win Grand Prizes of Premium Carnival Packages, Courtesy of VISA

The Grand Prizes offered are as follows:

First Prize:
(i) One (1) night, Two (2) days stay at Hyatt Regency Port of Pain, Double Occupancy,
(ii) Hyatt Lime Tickets for 2 people on Wednesday February 27th 2019 &
(iii) Two (2) VISA Carnival Welcome Kits

Second Prize:
(i) Prepaid tickets for 2 persons to (a) Candy Coated Love Fest on Friday March 1st 2019, (b) Soca
Brainwash on Saturday March 2nd 2019 and ( c) Lara Experience on Sunday March 3rd 2019 &
(ii) Two (2) VISA Carnival Welcome Kits

1. A qualified customer must conduct a minimum of 24 qualifying transactions over the promotional period to qualify to win the Grand Prizes stated above.

2. The Grand Prize winners will be randomly selected at the end of the promotional period.

3. The Grand Prize winners will be randomly selected from all qualified customers who conducted a minimum of 24 or more qualifying transactions over the promotional period. See Table 1 below.

4. The customer’s account must be open and in good standing at the time of the draw.



First Citizens Credit Cards
Statement Cycle/”Month” 1
Statement Cycle/”Month” 2
VISA Tertiary
December 11th 2018 to
January 10th 2019
January 11th to
February 10th 2019
VISA Classic, 2 in 1, Pink and MasterCard Standard
December 14th 2018 to
January 13th 2019
January 14th to
February 13th 2019
VISA Gold, VISA Platinum, VISA Signature, VISA Infinite and MasterCard Gold
December 17th 2018 to
January 16th 2019
January 17th to
February 16th 2019
  • Classic Credit Card “Shopping”
  • Card Safety Tips
  • E first
  • Contact Centre
  • Point of Sale Terminal
  • Mobile Banking