Credit Card

Discover National Commercial Bank Cards


The National Commercial Bank (NCB) is one of Jamaica’s leading banks and offers a variety of banking services, including credit cards.

Request and approval !

Application: To obtain an NCB credit card, you typically need to fill out an application form providing personal information such as name, address, identification number, and proof of income.

Credit evaluation: NCB will assess your application based on factors such as credit history, income, and repayment capacity. They may request additional documentation to verify your information.

Approval: If your application is approved, NCB will issue a credit card with a specific credit limit, which is the maximum amount you can spend using the card.

Payments and Fees

Payments: Monthly, you will receive a bill from NCB detailing the expenses incurred during the previous period.

It is important to pay at least the minimum amount indicated on the bill by the due date to avoid interest and penalties. However, it is advisable to pay the full amount to avoid accumulated interest.

Fees and charges: Credit cards usually have associated fees, such as an annual fee, interest rates, cash withdrawal fees, among others.

Please refer to the terms and conditions of your NCB credit card for specific information on fees and charges.


Please note that this information is only a general overview and may vary depending on the specific credit card offered by NCB.

It is recommended to contact NCB directly to obtain accurate details about their credit card products and services.

If you are interested and know more information about the cards available, click on the button below:

Discover National Commercial Bank Cards | Advantages the beneficies

National Commercial Bank (NCB) offers a range of credit cards with several advantages for its beneficiaries. Here are some key benefits:

1. Wide Acceptance:

NCB credit cards are widely accepted both locally and internationally. This allows cardholders to make purchases and withdraw cash from ATMs across a broad network of merchants and banks.

2. Rewards and Cashback:

NCB credit cards offer reward programs that allow cardholders to earn points for every purchase made using the card.

These points can be redeemed for various rewards such as air miles, shopping vouchers, and discounts on partner merchants. Additionally, some NCB cards offer cashback on certain spending categories.

3. Travel Benefits:

NCB credit cards offer travel-related benefits. This includes free travel insurance coverage, airport lounge access, and discounted rates on hotel bookings and car rentals.

Some cards also offer concierge services to assist with travel arrangements.

4. Installment Plans:

NCB credit cards allow cardholders to convert larger purchases into manageable monthly installments.

This feature makes it easier for beneficiaries to budget their expenses by spreading out the payments over a specific period, often with low or zero interest rates.

5. Contactless Payments:

NCB cards provide contactless payment options, allowing beneficiaries to make quick and secure transactions for small-ticket purchases by simply tapping the card on a contactless-enabled payment terminal. This feature enhances convenience and minimizes the need for physical contact.

6. Mobile Banking:

NCB cards can be easily linked to the NCB Mobile App, giving beneficiaries convenient access to manage their card accounts.

They can view transactions, make payments, and receive real-time notifications for added security.

7. Secure Transactions:

NCB cards are equipped with advanced security features such as chip-and-PIN technology, encryption, and fraud monitoring systems.

These measures provide peace of mind to beneficiaries, ensuring that their card transactions are secure.

8. Customization Options:

Some NCB credit cards offer customization options, allowing beneficiaries to personalize their cards with designs or themes of their choice. This adds a personal touch and makes the card unique.


It is important to note that specific benefits may vary depending on the type of NCB credit card chosen by the beneficiary. It is recommended to carefully review the terms and conditions of each card and select the one that aligns with individual preferences and needs.