FLEXIBLE FINANCING
2 in 1 Credit Card
Life’s most important purchases shouldn’t have to wait. The 2-in-1 combines everyday credit card convenience with structured financing options — manage larger purchases comfortably while staying in control.
- Card Limit: $5.5k TTD to $16k TTD
- Qualifying Salary: $3500
- Ideal for: Home upgrades, appliances, education & major purchases
Big purchase + everyday spending? Get both in one card.
Finance purchases from TT$5,000–TT$15,000 with a fixed 24-month repayment option, while keeping access to a revolving credit facility.
FLEXIBLE FINANCING
Buy Bigger. Repay Smarter.
The 2 in 1 Credit Card gives the customer the greatest convenience to make their aspirational or big ticket purchase, through a lower interest rate and convenient repayment terms, while at the same time getting access to a revolving line of credit.
🏠Furnish or Renovate
Bring your vision to life with financing designed to help you create a space you’ll love.
📺 Appliances & Electronics
Upgrade your home with the essentials you need for modern, everyday living.
🎯 Structured Repayment, Real Control
Enjoy manageable repayments that give you greater control over your finances.
👤 Ideal For: Home upgrades, appliances, education and other major purchases that matter to you.
Frequently Asked Questions
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What is the 2 in 1 Credit Card?
The 2 in 1 Credit Card is a credit card with 2 parts: (i) a “loan” facility and (ii) a core credit card facility.
The customer benefits from a lower interest rate and convenient repayment terms on the loan facility; triggered by a purchase amount that falls within the two dollar value ranges stated below.
| Amount Ranges From – To | Length of Term | Interest Rate% |
|---|---|---|
| $5,000 – $8,000.099 | 24 months | 15.00 |
| $8,001 – $15,000 | 24 months | 15.50 |
What is the advantage of a 2 in 1 Credit Card?
The 2 in 1 Credit Card gives the customer the greatest convenience to make their aspirational or big ticket purchase, through a lower interest rate and convenient repayment terms, while at the same time getting access to a revolving line of credit.
What is the advantage of a 2 in 1 Credit Card?
The 2 in 1 Credit Card gives the customer the greatest convenience to make their aspirational or big ticket purchase, through a lower interest rate and convenient repayment terms, while at the same time getting access to a revolving line of credit.
How can the 2 in 1 Credit Card be used?
This credit card can be used as follows:
– for a single big ticket purchase which falls between $5,000 to $15,000 (mandatory for lower interest rate to apply)
– for normal credit card purchases, at merchants worldwide or online
– for cash advances, at ATMs or at bank branches worldwide
What is the limit range on the 2 in 1 Credit Card?
The minimum limit is TT$5,000 and the maximum limit is TT$15,000.
Who can get a 2 in 1 Credit Card?
The facility will be assessed as any other credit card facility. Therefore normal borrowing requirements apply.
What are qualifying criteria for a 2 in 1 Credit Card?
Normal qualifying criteria apply:
– a job letter, not more than 6 months old
– your most recent salary slip
– two (2) forms of identification
– proof of address e.g. utility bill (TSTT, TTEC, WASA)