Welcome
to your Visa Experience!
Demerara Bank is pleased to be part of the Visa network, connecting our customers to millions of merchants and over 1.8 million ATM locations worldwide. Visa’s unparalleled global acceptance across various sectors, from stores to online platforms, signifies a shift towards faster, safer, and more convenient transactions, empowering consumers with the freedom of cash in sleek, plastic form. Visa cards include both Debit and Credit cards, each carrying their own individual benefits.
What is the difference between a Debit and a Credit Card?
The credit card functions as a revolving credit facility, allowing ongoing access to funds up to the approved credit limit even as the balance is gradually repaid. While immediate full repayment isn’t obligatory, monthly payments of at least 5% towards the outstanding balance are required to avoid accruing late payment fees.
The debit card, on the other hand, draws funds directly from your savings account for payments from your own money. Moreover, the transaction limit for e-commerce or point-of-sale transactions is dictated by the available balance in your account, with no credit limit imposed on your debit card.
Your Journey | Your Experience | Your Card
Find out which card is right for you...
VISA Debit Card
For controlled spending, our Visa debit card is the right match for consumers looking to spend a little today while also saving for tomorrow.
Benefits:
- Low exchange rates
- Accessibility: Enjoy accessing your funds whenever you need them with your VISA Debit Card, ensuring flexibility and peace of mind whether you’re shopping online, tapping or swiping at any POS terminal, or withdrawing cash from the ATM.
- Security: Your savings are protected within our robust and secure system, offering you peace of mind.
- No spending tariff: You can spend up to the available balance in your account.
- Instant Spending: No Preloading Required! Access funds directly from your account.
- Customer Support: Connect with our experienced customer support representatives on 592 624-0828, +592 728-0828 or via email on [email protected] for assistance with general account-related questions or concerns.
Security Features:
- Advanced Risk Monitoring – Our officers will contact you regarding any suspicious transactions detected.
- Dispute Rights – Dispute reports can be filed for transactions not initiated by you. The transaction(s) will be investigated and, pending the result, a refund will be issued. (Terms and conditions applied)
- Visa Purchase Alerts – Receive e-mail notifications whenever your card is used for online transactions, at point of sales or other bank ATM withdrawals. Sign up on the Visa platform via: https://purchasealerts.visa.com/vca-web/check
- Lost or Stolen Card – Inform the bank immediately! The card will be blocked and a new one will be issued to you.
VISA Credit Card
Demerara Bank credit cards are in Guyana Dollars and we currently have three types of credit cards available:
VISA Classic
Simple, flexible and worldwide recognition are the right combination for beginners. Our Visa Classic card is the ideal first choice for our consumers seeking to establish credit or those who enjoy simple spending. Your journey begins with a classic card.
Advanced Risk Monitoring
Dispute Rights
Visa Purchase Alerts
Lost or Stolen Card
The credit limit $100,000 - $500,000
VISA Gold
To suit your bold personality and for maximum flexibility with superior purchasing power and benefits, the visa gold card is ideal. This Card is the preferred choice for those who require a little more from their credit card.
Advanced Risk Monitoring
Dispute Rights
Visa Purchase Alerts
Lost or Stolen Card
The credit limit $600,000 - $1,100,000.
Visa Signature
Our Visa Signature card is the ideal premium card that gives you the right edge to entice and satisfy your suave lifestyle. For purchase and travel perks, and other exclusive benefits, the visa signature card fulfills your luxurious choices.
Advanced Risk Monitoring
Dispute Rights
Visa Purchase Alerts
Lost or Stolen Card
The credit limit $1,200,000 - $5,000,000
Comparative of the Credit Cards' Benefits
| Benefits | Classic | Gold | Signature |
| 24 hr customer service | √ | √ | √ |
| Worldwide Recognition | √ | √ | √ |
| One day card replacement | √ | √ | √ |
| Price Protection | √ | √ | √ |
| Purchase Protection | – | √ | √ |
| Extended Warranty | – | √ | √ |
| International Emergency Medical Service | – | – | √ |
| Compensation for Baggage Loss or Delay | – | – | √ |
| Auto Rental Insurance | – | – | √ |
| Access to Exclusive Website | – | – | √ |
| Visa Luxury Hotel Collection | – | – | √ |
