Cash Back FAQs

How does Cash Back work?

You earn Cash Back for every purchase made with your Credit Card at a rate of 0.80% of the value of each transaction. In the case of corporate Credit Cards, with every international purchase, a rate of 0.40% is earned.

How often can I expect to receive my Cash Back?

Rewards are credited directly to your Credit Card every month based on your Credit Card statement date.

Credit Card Type	Statement Date
VISA Tertiary	10^th of every month
VISA Classic VISA Purple VISA 2 in 1 VISA Business Classic	13^thof every month
VISA Gold VISA Platinum VISA Signature VISA Gold Business	16^th of every month

How can I view my Cash Back earned?

You can view your Cash Back earned via your Credit Card statement.

How is Cash Back different from Bonus Points?

Cash Back is a direct credit to your Credit Card, whilst Bonus Points were issued in the form of a certificate and received via post.

Key differences

– Quicker access to your Rewards
– Paper-less and hassle-free
– The Cash Back credit reduces your outstanding balance
– You can shop at any merchant – locally or internationally

For more information email CreditCardRewards@firstcitizenstt.com

Command	What it does
BAL	Retrieve balance for default account
BAL <Insert Nickname> For Example: BAL Sav1	Retrieve balance on a registered account using account nickname
BAL ALL	Retrieve balance for all registered account
HIST	Retrieve list of the 10 most recent transactions posted on default registered account
HIST <Insert Nickname> For Example: HIST Sav1	Retrieve list of the 10 most recent transactions posted on a registered account using a nickname
HIST d, from <date> to <date> For Example: HIST d, from 04-05-2020 to 06-05-2020	Retrieve list of posted transactions on default registered account with date range specified, (maximum of 10 transactions)
HIST <nickname> d, from <date> to <date> For Example: HIST Sav1 d, from 04-05-2020 to 06-05-2020	Retrieve list of posted transactions on a registered account using account nickname, within the date range specified,(maximum of 10 transactions)
HIST c, from <low cheque number > to <high cheque number> For Example: Hist c, from 200 to 205	Retrieve list of posted cheques on your default registered account, within the cheque range number range specified
HIST <nickname> c, from <low cheque number > to <high cheque number> For Example: Hist Chq1 c, from 200 to 205	Retrieve list of the posted cheques on your registered account, with a nickname, within the cheque number range specified
RTRA	Retrieve list of the 3 most recent posted transfers from your default registered account
RTRA <nickname> For Example: RTRA sav1	Retrieve a list of the 3 most recent posted transfers from your registered account with a nickname
RTRA ALL	Retrieve a list of the 3 most recent posted transfers from all your registered accounts
TRAN <nickname1> <nickname2> Amount For Example: tran ck1 ck2 100	Transfer amount between accounts using nicknames
TRAN <nickname1> <Amount> For Example: tran ck2 500	Transfer amount from the default registered account to the specified registered account using the nickname
TRAN <nickname1> <Amount> <Date> For Example: tran ck2 500 04-10-2020	Transfer amount from the default registered account to the specified registered account with the nickname, for a scheduled future date.
TRAN <nickname1> <nickname2> <Amount> <Date> For Example: tran sav1 ck1 500 04-10-2020	Transfer stated amount from a registered specified nicknamed account to a second registered nicknamed account, for a scheduled future date.
HELP BAL	Retrieve information on the format of the balance commands
HELP TRAN	Retrieve information on the format of the Transfer commands
HELP RTRA	Retrieve information on the format of the Recent Transfers commands
HELP HIST	Retrieve information on the format of the Account History commands
HELP	Retrieve information on the format of the Help command
STOP	Unsubscribe your mobile device from receiving First Citizens SMS Alert messages

How does Cash Back work?

How often can I expect to receive my Cash Back?

How can I view my Cash Back earned?

How is Cash Back different from Bonus Points?

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SMS Banking Commands

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