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Whether you’re building credit, earning rewards, or enjoying premium benefits, VM has a credit card designed for you!

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Made For Everyday Purchases

Pay bills, buy groceries, make big purchases and handle everyday expenses with a VM Credit Card designed to fit your lifestyle. Enjoy the convenience, flexibility and rewards that come with every purchase.

VM Visa Platinum Credit Card

Enjoy luxury getaways, unforgettable experiences and exclusive offers with your VM Visa Platinum Card. Earn miles on your purchases and redeem them for the destinations, rewards and experiences you deserve. Plus, enjoy access to thousands of airport lounges worldwide with Visa Airport Companion.

  • Eligibility & Fees
  • Minimum Salary: $450,000 per month
  • Annual Fee: $12,000
  • Interest Rate: 39% - 42%
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VM Visa Gold Credit Card

Enjoy rewarding purchases, valuable benefits and added flexibility with your VM Visa Gold Card. Earn cashback on your purchases and enjoy the flexibility, protection and value you deserve. Plus, enjoy spending power designed to support your everyday needs and goals.

  • Eligibility & Fees
  • Minimum Salary: $200,000 per month
  • Annual Fee: $6,000
  • Interest Rate: 42% - 45%
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VM Merit Card

Earn up to 5% cashback on education, groceries, utilities, and everyday purchases. Plus, every time you tap, insert, or shop online, VMBS donates $5.00 to support charitable initiatives that strengthen and uplift your community.

  • Eligibility & Fees
  • Minimum Salary: $150,000 per month
  • Annual Fee: $3,800
  • Interest Rate: 42% - 45%
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VM Flex Card

Build financial confidence with a card that helps you manage credit responsibly. Plus, enjoy no annual or credit bureau fee.

  • Eligibility & Fees
  • Minimum Salary: $80,000 per month
  • Annual Fee: FREE
  • Interest Rate: 47% - 49%
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Manage Your VM Credit Card Anytime, Anywhere!

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Earn up to 35% Cashback on your next U.S. trip

Pay with your VM Credit Card at select merchants and turn every travel moment into rewards. From car rentals and hotel stays to finding that perfect souvenir. Enjoy:

  • 35% off at Marriott
  • 30% off at Hertz
  • 4% off at Macy’s and GAP
  • 5% off at Johnny Rockets
  • …and more

Ready for take-off?

Sign up at cashback-caribbean.visa.com and start earning today

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Protect What
Matters Most

Creditor Life Insurance helps protect you and your loved ones by covering your outstanding credit card balance if the unexpected happens.

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Added Value That Serves You

Add a Supplementary Cardholder

As a VM Credit Cardholder, you can add up to 5 additional cardholders to your account. You'll earn rewards on their purchases too, so the rewards really add up. Simply complete and email the Credit Card Supplementary Cardholder Application Form to creditcardmanager@myvmgroup.com.

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Promotions and Offers

VM Building Society delivers great value throughout your credit card experience. Take advantage of ongoing promotional offers and grow your earning potential.

Customer Service

Our Member Engagement Officers are ready to serve you, 24 hours a day, 7 days a week.

Resources

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Frequently Asked Questions

You may apply online at https://myloanonline.myvmgroup.com/#card_div or visit any VM Branch location.

To apply as a primary cardholder, you’ll need a completed Credit Card Application, a valid government-issued photo ID, your Tax Registration Number (TRN), proof of address, a Credit Bureau Authorization Form, last 3 months’ Pay Slips and Bank Statements. Additional requirements may apply depending on the card you select.

An active VMBS Savings Account is required to apply for the VM Flex Card and the VM Merit Card. It is not required for the VM Visa Gold Credit Card or the VM Visa Platinum Credit Card.

Yes, you may add up to 5 additional cardholders to your account. Supplementary cards are available on all cards except the VM Flex Card.

You may activate your card by visiting our VM Credit Card Activation and PIN Portal at https://activatemycard.myvmgroup.com/. The same portal can be used to set, reset, or change your PIN.

Rewards vary by card product. Cashback and points/miles options are available. For full details on how you earn and redeem rewards, please refer to the VM Programme Rewards Terms and Conditions and VM Rewards Schedule.

You may make payments by using VM Express Online, VM iABMs island-wide, ACH transfers from other financial institutions, or by visiting any of our VMBS branch locations. Payment is due approximately 25 days after your monthly statement is generated.

Your credit card statement is delivered electronically each month by email to the primary cardholder. If you don’t see it in your inbox, please check your junk or spam folders.

Fees may include annual fees, cash advance fees, credit bureau fees, late payment fees, and overlimit fees. Fees may vary by card. Please refer to the Credit Card Schedule of Fees and Charges for more information.

If your card is lost or stolen, or if you’re planning to travel, contact our Member Engagement Officers — available 24 hours a day, 7 days a week — at:
Toll Free (Jamaica): 888-YES-VMBS (937-8627)
Toll-Free (USA/Canada): 1-866-967-VMBS (8627)
Free Phone (UK): 0-800-068-VMBS (8627)

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Documents Required for Opening a Public Entities Account

 

  1. Copy of the Trust Deed and Rules

  2. Organization Tax ID Number (TIN)  (if available)

  3. Tax exemption from TAJ (where applicable)

  4. All trustees must sign all documents/authorities unless we have written instructions stating how many persons can execute transactions/instructions

  5. Trustee ratification to open account with VMBS

  6. List of Authorized Signers and specimen signatures

  7. Name, address and telephone number of Directors and Majority Shareholders on the account

  8. ID & TRN for directors, majority Shareholders and authorized signers on the account.

  9. SSN is to be declared for US persons for FATCA purposes

  10. Proof of Address for Trustee, authorized signatories, and Directors

  11. Source of Funds information – confirmation of source of funds being used to open the account as well as source of future investments or deposits.

Documents Required for Opening a Public Entities Account

  1. Letter from Ministry of Finance – authorizing the establishment of the business relationship
  2. Tax Compliance Certification (TCC) (if available), if entity does not pay tax, letter from MOF stating same.
  3. Organization Tax ID Number (TIN) (if available)
  4. Statute governing the formation of the entity
  5. List of Authorized Signers and specimen signatures
  6. Name, address and telephone number of Directors and Majority Shareholder on the account
  7. ID & TIN for directors, majority Shareholders and authorized signers on the account.
  8. SSN is to be declared for US persons for FATCA purposes
  9. Proof of Address for the public body
  10. Source of Funds information – confirmation of source of funds being used to open the account as well as the source of future investments or deposits.
  11. Audited Financials

Documents Required for Opening a Private School Account

  1. Documents evidencing that the independent school is registered (from the Ministry of Education)
  2. If the school is incorporated – Documents required for a company should be presented
  3. If not incorporated – indicate the legal entity or the proprietor of the school. (Proprietor of the school is listed in the application for the registration as an independent school).
  4. Resolution from the school’s Board of Management – authorizing the establishment of the business relationship and relevant signing instructions on account
  5. Organization Tax ID Number (TIN) (if available)
  6. Tax Compliance Certification (TCC)
  7. List of Authorized Signers and specimen signatures
  8. Name, address and telephone number of Directors and Majority Shareholder on the account
  9. ID & TIN for directors, majority Shareholders and authorized signers on the account.
  10. SSN is to be declared for US persons for FATCA purposes
  11. Proof of Address for the school, authorized signatories, and Directors
  12. Source of Funds information – confirmation

Documents Required for Opening a Government School Account

  1. Resolution from the school’s Board of Management – authorizing the establishment of the business relationship and relevant signing instructions on account
  2. The Scheme for public educational institution (contains constitution, powers and duties of the Board)
  3. Organization Tax ID Number (TIN) (if available)
  4. Tax Compliance Certification (TCC) (if available)
  5. List of Authorized Signers and specimen signatures
  6. Name, address and telephone number of Directors and Majority Shareholder on the account
  7. ID & TIN for directors, majority Shareholders and authorized signers on the account.
  8. SSN is to be declared for US persons for FATCA purposes
  9. Proof of Address for the school, authorized signers and Directors
  10. Source of Funds information – confirmation of source of funds being used to open the account as well as source of future investments or deposits.

Documents Required for Opening a Charity Account

  1. Name of the Charity – as registered with the Companies Office and the Department of Cooperatives and Friendly Societies
  2. Copy of approval from the Ministry of Finance that the organization has been granted status as a charity
  3. Articles of Incorporation
  4. Organization Tax ID Number (TIN)  (if available)
  5. Name, address and telephone number of Directors and Majority Shareholder on the account
  6. ID & TIN for directors, majority Shareholders and authorized signers on the account.
  7. SSN is to be declared for US persons for FATCA purposes
  8. Proof of Address for the organization, authorized signers and Directors
  9. Source of Funds information – confirmation of source of funds being used to open the account as well as source of future investments or deposits

Documents Required for Opening a Church Account

  1. Rules or Charter of Club or Association.
  2. Resolution from the executive authorizing the opening of the account.
  3. Minutes of meeting.
  4. Taxpayer ID e.g., Tax Registration Number for Clubs and Associations, or Statutory Declaration (see Clubs and Associations Account Application Form).

Forms Required for Opening a Small Business Account

  • Clubs and Associations Account Application Form.
  • Account Signing Authority Forms.
  • Member Information Forms (MIF).
  • Reference Forms (if signing officer is unable to provide telephone references).
  • Address Verification Forms (if signing officer is unable to provide another form of proof of address).
  • Income Statement and Questionnaire for Self- employed (as applicable).
  • Electronic Communication Indemnity Forms (if email address is provided).
  • FATCA and CRS Self-Certification Forms.
  • Signature Cards.
  • Bearer Indemnity Form (as applicable)

 

*Note: Where the club or association is not required to have a Taxpayer Identification Number and has presented their charter, the Statutory Declaration section should be completed on the Clubs and Associations Account Application Form.

Documents Required for Opening a Club or Civic Association Account

  1. Rules or Charter of Club or Association.
  2. Resolution from the executive authorizing the opening of the account.
  3. Minutes of meeting.
  4. Taxpayer ID e.g., Tax Registration Number for Clubs and Associations, or Statutory Declaration (see Clubs and Associations Account Application Form).

Additional Documents for Opening a Corporation Account

Partnerships must also submit the following documents:

  • Partnership Agreement/Deed (as applicable).
  • Statement from managing partners giving names and addresses of officers and partners.

Forms Required for Opening a Corporation Account

Standard KYC internal forms listed below must be completed:

  • Business Information and Account Application Form.
  • Account Signing Authority Forms.
  • Member Information Forms (MIF).
  • Reference Forms (if signing officer is unable to provide telephone references).
  • Address Verification Forms (if signing officer is unable to provide another form of proof of address).
  • Income Statement and Questionnaire for Self-employed (as applicable).
  • Electronic Communication Indemnity Forms (if email address is provided).
  • FATCA and CRS Self-Certification Forms.
  • Signature Cards.
  • Bearer Indemnity Form (as applicable)

Documents Required for Opening a Corporation Account

  1. Certificate of Incorporation or Certificate of Registration.
  2. Articles of Incorporation.
  3. Articles and Memorandum of Association.
  4. Directors’ Resolution.
  5. Taxpayer ID e.g. Tax Registration Number for business.
  6. Valid Tax Compliance Certificate (TCC)
  7. Proof of earnings/funds for the business i.e. current financial statements (audited).
  8. Valid License or Certificate to operate the business (where the main line of business is one that falls within the purview of a regulatory body)
  9. List of signing officers and specimen signatures for each
  10. Confirmation/Notice of Director and Secretary.
  11. Name, Address and telephone number of directors and Beneficial Shareholders.
  12. ID and TRN for majority shareholders, directors and authorized signing officers
  13. Certificate of Good Standing. (This should be from the relevant regulatory authority).
  14. Group structure (if part of a Group)

Additional Documents for Opening a Partnership Account

Partnerships must also submit the following documents:

  • Partnership Agreement/Deed (as applicable).
  • Statement from managing partners giving names and addresses of officers and partners.

Forms Required for Opening a Small Business Account

Standard KYC internal forms listed below must be completed:

  • Business Information and Account Application Form.
  • Account Signing Authority Forms.
  • Member Information Forms (MIF).
  • Reference Forms (if signing officer is unable to provide telephone references).
  • Address Verification Forms (if signing officer is unable to provide another form of proof of address).
  • Income Statement and Questionnaire for Self-employed (as applicable).
  • Electronic Communication Indemnity Forms (if email address is provided).
  • FATCA and CRS Self-Certification Forms.
  • Signature Cards.
  • Bearer Indemnity Form (as applicable)

Documents Required for Opening a Small Business Account

  1. Valid Certificate of Registration of Business Name.
  2. Taxpayer ID e.g. Tax Registration Number for business.
  3. Proof of earnings/funds for the business i.e. current financial statements (audited or in-house). Where the sole trader is in business over 2 years, with an annual income above $15 million, a Financial Statement by a registered public accountant is required. Where the sole trader earns above $425 million per annum and in business over 2 years, audited financials are required.
  4. Valid Tax Compliance Certificate (TCC).
  5. Valid License or Certificate to operate the business (where the main line of business is one that falls within the purview of a regulatory body)
  6. Letter of Good Standing.

Alternative Documents for Opening a Sole Trader Account

Where the business owner is self-employed and financial statements are not presented, the Income Statement and Questionnaire for Self-Employed Form must be completed along with any TWO of the following documents HERE.

  • Where the business owner is self-employed and financial statements are not presented, the Income Statement and Questionnaire for Self-Employed Form must be completed along with any TWO of the following provided:
  • Cash flow projections for the next two (2) years.
  • Reference letter from another bank, copy of bank statement or passbook. 
  • Purchase order from two main customers (issued within two months of the date of application).
  • Receipt for supplies purchased for the business.
  • Import licenses, invoices for goods or services sold within the last three months.
  • Written customer testimonial from two main customers.
  • Copy of any government-issued permit or license (e.g., food handlers permit, vending permit, taxi permit, etc.).
  • Proof of membership in area of trade or professional association (e.g., letter from the President, Treasurer or Secretary).
  • PayPal, other online earning platforms, and contract agreement on company letterhead for contracted persons, etc.

Forms Required for Opening a Sole Trader Account

  • Business Information and Account Application Form.
  • Account Signing Authority Form.
  • Member Information Form (MIF).
  • Reference Forms (if signing officer is unable to provide telephone references).
  • Address Verification Form (if signing officer is unable to provide another form of proof of address).
  • Income Statement and Questionnaire for Self-employed (as applicable).
  • Electronic Communication Indemnity Form (if email address is provided).
  • FATCA and CRS Self-Certification Form.
  • Signature Card.
  • Bearer Indemnity Form (as applicable)

Documents Required for Opening a Sole Trader Account

  1. Valid Certificate of Registration of Business Name.
  2. Taxpayer ID e.g. Tax Registration Number for business.
  3. Proof of earnings/funds for the business i.e. current financial statements (audited or in-house). Where the sole trader is in business over 2 years, with an annual income above $15 million, a Financial Statement by a registered public accountant is required. Where the sole trader earns above $425 million per annum and in business over 2 years, audited financials are required.
  4. Valid Tax Compliance Certificate (TCC).
  5. Valid License or Certificate to operate the business (where the main line of business is one that falls within the purview of a regulatory body)
  6. Letter of Good Standing.

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