
GBTI Mastercard Gold Card Benefits
- Transaction alerts via email for added peace of mind.
- Tap payment for swift transactions.
- Swift replacement of lost or damaged cards.
- Access to your free monthly online statements effortlessly.
- Convenient online payment options.
- Cash back
* Cash back is subject to GBTI Terms and Conditions.
To take advantage of the full Mastercard® Airport Experiences provided by Lounge Key, cardholders must:
1. CREATE AN ACCOUNT
This can be done via the MCAE website or via the MCAE mobile app. Customers must first create an account in order to enjoy this benefit. Visit https://airport.mastercard.com to create your account.
2. DOWNLOAD MASTERCARD AIRPORT EXPERIENCE (MCAE) MOBILE APP
The app is available in the Apple and/or GooglePlay stores. Once downloaded, cardholders must create an account and register their card (if they haven’t already) to use the full MCAE program benefits.
Click here to download the Android app here
Click here to download the iOS app
Limit – USD$10,000 to USD$50,000
Frequently Asked Questions
PINNING YOUR MASTERCARD
- Login to GBTI Mastercard Online Portal

Login Screen
NB: User is your email address | Password is the last 7 digits of your card
- Click anywhere at the Card Tile, as highlight below:

Card Tile Screen
- Select the OPERATIONS Tab, click Change PIN

Card Summary Screen
- Enter your desired Card PIN

PIN Screen
- The screen will load for a few second then take the User to the Card Summary Screen.
Note: You will need a PIN to get cash from the ATM.
Mastercard Travel Rewards offers GBTI Mastercard Black cardholders enrolled in the program access to a range of exclusive and cashback offers whenever they travel or shop. Simply pay with a Mastercard at participating overseas merchants online or in store to participate.
A qualifying transaction or eligible purchase is one where a cardholder makes a purchase that meets the cashback offer’s published criteria. These criteria include the use of an enrolled Mastercard at a participating merchant, paying in the specified currency, and satisfying all of the applicable terms and conditions stated in the offer’s advertising. Dynamic currency conversion transactions are not eligible for Mastercard Traveler Rewards offers.
For all offers that are specified as “spend in-store”, you need to travel to the advertised destination to be eligible for the offer. For offers that are specified for “spend online” you can qualify for the offer in your home country provided you make a purchase using an enrolled Mastercard and at a participating merchant while using the offer’s specified currency and meeting all of the cashback offer’s applicable advertised terms.
Yes. To enjoy the benefits of Mastercard Travel Rewards, Mastercard Black card holders must register with the program. You can register at the link below https://mtr.mastercardservices.com/en
All eligible cashback transactions will be processed automatically.
Mastercard will work directly with your bank to ensure all cashback payments from eligible transactions are processed without your involvement. Cardholders do not need to complete any forms. The processing of cashback offers is undertaken by Mastercard systems and presented as a credit on your card statement.
The cashback is not processed immediately and will not reduce the purchase price of goods and services at the point of sale. The processing of cashback offers is undertaken quickly, but not instantly, by automated Mastercard systems, and appears as a credit on your card statement.
The terms and conditions of each offer are specified on the program website. Simply check these terms and conditions on each offer as they have different validity periods.
For cardholder support and enquiries related to Mastercard Traveler Rewards, please contact your bank. They will assist you with:
1. General enquiries and support
2. Transaction-related queries
3. Lost or stolen cards
The following are the basic requirements for a GBTI Credit Card:
- ID/Passport/or Driver’s License
- Proof of address
- TIN
- Passport Size photo
- Job letter addressed to the manager of GBTI
- Two recent pay slips (if self-employed 1 year’s financial statement + copy of previous year Income Tax Return)
Mastercard 3D Secure – FAQ’s
Mastercard 3DS, is a security protocol that adds an extra layer of protection to online card transactions, designed to reduce fraud and enhance security.
During an online purchase, the cardholder is redirected to a secure page to verify their identity, a one-time code sent to their phone/email. Usually, the verification happens after the cardholder enters their card details on merchant’s site, as part of the ‘checkout’ process.

In many regions it is required for most online transactions.
Only merchants participating in 3DS.
No. Since 3DS is a security protocol enforced by issuers and regulators; cardholders cannot opt out.
- Ensure your contact details are updated
- Contact the bank if issues persist.
The transaction will be declined. You’ll need to retry with correct credentials or contact the bank for assistance.
Yes. 3DS significantly reduces the risk of fraud in card-not-present (CNP) transactions.
GBTI Mastercard Black Card Benefits
This GBTI Mastercard Black Card provides you with:
- 10 free airport lounge experience per year
- access to more than 1,000 lounges in 600+airports worldwide, regardless of airline, frequent flyer membership status, or class of ticket
- discounts at participating Mastercard Lounge merchants around the world
- simple customer experience that is easy to understand and use
- an enhanced experience with valuable, exclusive offerings throughout the airport
- travel rewards
- discounts at select high-end online merchants
- better solutions to meet consumer needs
- easy to use, highly rated mobile app and responsive website for on-the-go use
Limit USD$10,000 to USD$50,000
Fees
| Black | Gold | |
| Annual | USD $350 | USD $50 |
| Co-Applicant’s Annual | USD $175 | USD $25 |
| Replacement Card & Blocking fee | USD $25 | USD $20 |
| Limit Increase | USD $50 | USD $50 |
| Minimum Payment | Greater of 6% of outstanding Balance and USD $30 | Greater of 6% of outstanding Balance and USD $30 |
| Late Payment | 1.5% of min. payment (Min. Payment USD $10) | 1.5% of min. payment (Min. Payment USD $10) |
| Statement | FREE | FREE |
| Over Limit | USD $50 | USD $25 |
| Cash Advance | 2% of cash advance or a min. of USD $10 | 2% of cash advance or a min. of USD $10 |
* Lost, stolen or damaged cards (Fees subject to change without notice).