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About the Product 
The GCB High-net-worth Individual cards are debit cards specifically developed for elite individuals who usually fall within the Bank's Private Banking portfolio. They can also be extended to individuals who meet the card usage criteria of more than $10,000 a year. These cards offer exclusive benefits or rewards and premium services that suit the affluent's financial needs and lifestyle preferences. GCB Bank offers two types of High Net-worth Cards powered by Visa: namely the Visa Signature and Visa Infinite Cards.

Visa Signature 
The Visa Signature card program is designed for affluent customers, with a typical minimum spend requirement ranging from $10,000 to $20,000. This card features additional privileges and enhanced offers for domestic and international clients. Visa Signature Card has been developed with the comfort and pleasure of selected customers in mind with features ranging from contactless technology for tap-to-pay transactions, worldwide acceptance on POS, E-Commerce, and ATMs, enhanced 3D secure verification with a daily limit of GH¢ 100,000.

Visa Infinite 
Visa Infinite Card Programme is tailored to offer affluent customers access to an array of unmatched advantages, specialized services, and privileges that complement their lifestyle at home and abroad. This is the highest type of debit card. These customers live by their own rules because they can afford optimal luxury exclusivity and have a minimum spend of $20,000 annually. The Infinite card is offered to customers by invitation only, so we say, "You don't look for Infinite, Infinite looks for you". Visa Infinite Card has been designed with the comfort and pleasure of the selected customers in mind with features ranging from contactless technology for tap-to-pay transactions, worldwide acceptance on POS, E-Commerce, and ATMs, enhanced 3D secure verification with a daily limit of GH¢100,000. Having a Visa Infinite Card is a lifestyle.

WHO QUALIFIES 
Private Banking Customers

HOW TO APPLY 
Qualified Private Banking customers will be invited by the Private Banking team. They will be assisted in completing the Card Application Form.

Important Customer Advice 
• Always pay for travel bookings (flights/accommodation) with your Visa Signature/Infinite card to activate Travel insurance 
• Ensure your card is active and in good standing during purchases/travel 
• Retain proof of payment and register early for Visa Concierge 
• Note: All benefits are subject to Visa/GCB Bank’s terms and conditions. Eligibility criteria and exclusions apply. Visit www.africa.visa.com for full details on embedded benefits, exclusive details and policies

ENQUIRIES? 
Contact Us: +233 550837545/ +233 30 2611777

Email: esupport@gcb.com.gh

 

BENEFITS TO CARDHOLDERS

Airport Lounge Access 
With this benefit, Visa cardholders can enjoy access to lounges worldwide by downloading the Visa Airport Companion App to enroll. Download, register and enjoy 1200+ access to Airport lounges worldwide with Visa Infinite/signature. Infinite cardholders get unlimited access, and Signature cardholders get 6 free visits per year. Both cardholders may bring one additional guest at no extra cost. Search for participating lounges on the VAC app. Simply present your membership ID to enter the lounge.

Prerequisites:

  • Active Visa Infinite/Signature card
  • Download and register via "Visa Airport Companion" app

Download Visa Companion on Google Play 
Download Visa Companion on App Store

Travel Insurance 
Travel with Visa and ensure that you are protected. This includes telephonic medical advice, medical service referrals, essential medicine and equipment delivery, dispatch of a physician to your location, medical evaluation and repatriation legal referrals and interpreter referrals.

Prerequisites:

  1. Card Payment:
  • 100% of the total pre-booked transport and/or accommodation expenses must be paid using the cardholder’s Visa Signature or Infinite card.
  • 100% of costs for accompanying people paid with your Visa card
  1. Trip Purpose: Leisure only (business/work/study excluded)
  1. Duration: Each covered trip must not exceed 90 consecutive days.
  1. The total number of travel days across all covered trips must not exceed 183 days per calendar year.
  1. Trip Structure:
  • Starts and ends in cardholder’s country of residence.
  • For local trips, at least two nights of accommodation must be pre-booked to qualify for coverage.
  1. Eligible Persons covered:
  • Coverage extends to the cardholder, their legal spouse or partner, and up to five dependent children per trip.
  • Children must be under 18 years of age (or under 23 if enrolled in full-time education), unmarried, financially dependent on the cardholder, and living in the same household.

Insurance coverage includes:

  • Travel Assistance up to $500 for Signature Cards and Infinite cards up to $1k
  • Cancelation and Curtailment up to $55 for Signature Cards and Infinite cards up to $7.5k
  • Missed Departure up to $1k for Signature Cards and Infinite cards up to $1.5K
  • Missed Connection up to $500 for Signature Cards and Infinite cards up to $500
  • Travel Delay up to $300 for Signature Cards and Infinite cards up to $500
  • Baggage Delay up to $300 for Signature Cards and Infinite cards up to $500
  • Hijack up to $500 for Signature Cards and Infinite cards up to $2.5K
  • Medical Expenses and Repatriation up to $750k for Signature Cards and Infinite cards up to $2.5m
  • Infinite Medical Emergency in the Country of Residence up to $5k for Signature Cards and Infinite cards up to $20k
  • Hospital Benefit up to $1.5k for Signature Cards and Infinite cards up to $3k
  • Personal Property & Money up to $1k for Signature Cards and Infinite cards up to $2.5k
  • Travel Accidents up to $500k for Signature Cards and Infinite cards up to $1m
  • Personal Liability up to $100k for Signature Cards and Infinite cards up to $500k
  • Bail Bond up to $5k for Signature Cards and Infinite cards up to $7.5k
  • Robbery up to $350 for Signature Cards and Infinite cards up to $350

Submit claims: Visa Portal 
WhatsApp: https://wa.me/message/TTILCCKZLTBHC

Concierge Services 
The concierge service is available 24/7 to take care of all practical considerations; this includes flight reservations, hotel bookings, trip planning, car rentals, events, entertainment and fine dining. This benefit does not have an expiration date. The concierge service provides cardholders with a personal assistant who can be reached at any hour of the day either digitally or by phone.

Prerequisites:

  1. Eligible Cards: Visa Infinite, Signature, or select Platinum cards
  1. Registration: Required via website/ Visa Concierge mobile application.
  1. Card Verification: Provide 16-digit card number
  1. Permitted Use: The service is strictly for personal use. Shared accounts are not permitted; only one user is allowed per registered email address to ensure data privacy and security.

Global Customer Assistance Service 
GCAS core competencies include cardholder inquiry service (cis) for general inquiry, lost / stolen card (less) reporting (blocked within 30 minutes), emergency card replacement (ecru), emergency cash disbursement (ecad) up to used 5,000 USD and exception file update (feud). To access GCAS, log onto this link and find your issuer country. Call the number associated with your issuer country to speak to a consultant and report a lost or stolen card.

Prerequisite: Active card required for service access

For more information: https://africa.visa.com/support/consumer/lost-stolen-card.html 

Buyers Protection 
When using your eligible Visa card to purchase an eligible item in-store or online, cardholders will receive complimentary Buyers Protection Insurance, providing cover for theft, accidental damage or non-delivery, subject to terms and conditions. Register with your Visa Card at to view your cover and generate a travel insurance certificate. Click on 'Insurance Benefits', verify your card details then select 'Travel Insurance’ and then ‘Buyers Protection’ to download your Certificate of Insurance. 

Follow the steps and fill in the traveler details on the provided PDF document and save or print it on 
https://cardholderbenefitsonline.com 
You can submit your claim online via https://newclaimsportal.crawco.co.uk/AspireVisa/logi

Prerequisites:

  1. Payment Requirement: The full cost of the eligible item must be paid using a Visa Signature or Visa Infinite card. Partial payments or use of other payment methods will render the item ineligible.
  1. Eligible Item Criteria:
  • The item must have been purchased on or after June 1, 2021.
  • It must be intended solely for personal use, including gifts (not for commercial or business purposes).
  • The item must have a minimum value of USD $100.
  • Items listed under the “What is not covered” section of the policy are excluded from protection.
  1. Coverage Duration:
  • For Visa Infinite cardholders, protection is valid for 365 days from the date of purchase.
  • For Visa Signature cardholders, coverage extends for 180 days from the date of purchase.

Car Collision Damage Waiver 
The insurance cover will pay up to the total sum insured for if you are liable to reimburse a licensed rental agency for costs arising from material damage to the Rental Vehicle during the period of hire.

Prerequisites:

  1. Eligible Card Requirement
  • Only U.S.-issued Visa Infinite card for full payment
  • The card must be used to both initiate and complete the entire car rental transaction.
  1. Rental Agreement Conditions
  • The Visa cardholder must be designated as the primary renter on the rental agreement.
  • Coverage extends only to the cardholder and any additional drivers explicitly listed in the rental agreement.
  1. Coverage Scope
  • The waiver provides coverage for: 
    • Theft or collision damage 
    • Loss-of-use charges imposed by the rental company 
    • Administrative fees 
    • Towing charges to the nearest qualified repair facility
  • The rental period must not exceed: 
    • 15 consecutive days within the country of residence 
    • 31 consecutive days outside the country of residence
  1. Action Required at the Time of Booking
  • The cardholder must decline the rental company’s Collision Damage Waiver (CDW) or Loss Damage Waiver (LDW).
  • Accepting these waivers will invalidate the Visa-provided benefit.
  1. Vehicle Eligibility
  • The rented vehicle must have a manufacturer’s suggested retail price (MSRP) of USD $75,000 or less when new.
  • The benefit does not cover exotic vehicles, antique cars, recreational vehicles (RVs), trucks, motorcycles, mopeds, limousines, or vans designed to carry more than nine passengers.
  1. Geographic Restrictions
  • The benefit is not valid in: Israel, Jamaica, the Republic of Ireland, or Northern Ireland.
  • It is also not applicable in regions where coverage is prohibited by law or the rental agency’s internal policies.
  1. Claim Reporting Requirements
  • The Visa Benefit Administrator must be notified within 45 days of the incident.
  • A formal claim must be submitted within 90 days, even if supporting documents are still pending.
  • All required documentation, including the accident report, rental agreement, billing statement, and repair estimate, must be submitted within 365 days of the incident date.

Details: https://cardholderbenefitsonline.com

Extended Warranty 
Use your Visa Platinum card to pay for your purchases. Specific items purchased may be eligible for the benefit of an Extended Warranty.

Prerequisite: Pay with eligible Visa Platinum/Signature/Infinite card

Details: https://cardholderbenefitsonline.com

Exclusive deals 
Maximum access to perks and discounts through The Visa Luxury Hotel Collection

Prerequisite: Registration may be required per partner platform

Exclusive discount when you stay at: 
Jumeirah Hotels & Resorts 
IHG Hotels & Resorts 
Agoda.com

The GCB Visa Infinite Card is not only a symbol of elite status but also a gateway to a world of unmatched privileges and exceptional service.

To get full access:  https://africa.visa.com/ 
Experience offers: Visa Offers and Perks

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