Cash back rewards & benefits
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Fuel, groceries & utilities
Earn up to 4% cash back whenever you pay for petrol, supermarket groceries, or utilities. The higher reward rate is applied automatically — no activation or category tracking needed. -
Unlimited 1% on all purchases
Every personal and household purchase earns unlimited 1% cash back. Restaurants, online shopping, subscriptions and daily spending all qualify. -
Faster cash back payback
Cash back is applied directly to your statement on a quarterly basis — so rewards come back to you faster than with many other cards. -
Price & purchase protection
Find an item at a lower price after buying? We’ll refund the difference. Plus, get reimbursed for eligible purchases that are damaged or stolen. -
Extended warranty
Get double the manufacturer’s warranty coverage — up to 1 additional year — on eligible purchases made with your card. -
0% interest on instalments
Pay 0% interest for the first three months on instalment purchases. Spread the cost of larger buys without worrying about interest charges.
Earn rewards
How to Earn Cash Back
Your NCB Visa Platinum Credit Card rewards you for the purchases you make every day.
Earn More on Everyday Essentials
Receive 4% cash back on eligible purchases in the following categories:
Gas Groceries Utilities Earn on All Other Household Purchases
Receive 1% unlimited cash back on all other eligible personal and household purchases.
Cash Back Made Simple Cash back is automatically calculated based on eligible purchases. Rewards are applied to your account quarterly. Earn up to J$500,000 annually in cash back on Gas, Groceries, and Utilities. Once the annual cap is reached, purchases in these categories will continue to earn 1% cash back.
Eligible purchases
Cash back is earned on qualifying personal and household purchases made using your NCB Visa Platinum Credit Card, including everyday spending such as shopping, dining, entertainment, travel, and online purchases.
What Doesn’t Earn Cash Back
Cash advances, fees, interest charges, returned purchases, chargebacks, unauthorised transactions, and other excluded transactions do not qualify for cash back rewards.
