Benefits Guide. BMO AIR MILES World Elite * MasterCard * card. Welcome.

Transcription

1 Benefits Guide BMO AIR MILES World Elite * MasterCard * card Welcome.

2

3 Table of contents Upgrade your story today Getting started Your card at a glance Take things up a notch Additional options Everyday services to fit your life Complaint resolution Terms & conditions

4 Upgrade your story today Thank you for choosing the BMO AIR MILES World Elite MasterCard card. Your dreams are now closer than ever. With our highest AIR MILES Reward Miles earn rate, you ll accumulate Miles faster. Whether you re interested in travel, merchandise 1 or AIR MILES Cash 2 enjoy your rewards sooner. 2

5 Getting started Getting started 1. Activate your new card(s) now Visit bmo.com/activate or call (TTY ) 2. Register at prioritypass.com/bmo using the Invitation Code provided on your Welcome Letter Receive your free annual Priority Pass airport lounge membership including two (2) complimentary passes per year. (membership for primary cardholder only) Visit Online Banking at bmo.com Access your credit card account information anytime.! Visit airmiles.ca to redeem for travel, merchandise and more. 3

6 Your card at a glance You ll earn 1 Mile for every $10 spent 4 on your BMO AIR MILES World Elite MasterCard card that s our highest AIR MILES earn rate. Plus, receive our exclusive 25% discount on AIR MILES flight redemptions within North America 5, Trip Cancellation benefits and Out of Province/Out-of-Country Emergency Medical benefits 8, VIP airport lounge access 3 and concierge service. 4 4

7 Earning potential Earn 1 Mile for every $10 you spend on your BMO AIR MILES World Elite MasterCard card our highest AIR MILES earn rate in the market. Earn double Miles at participating National Car Rental and Alamo Rent A Car ** locations. 6 Travel Receive our exclusive 25% discount on AIR MILES flight redemptions within North America. 5 Wherever your dream vacation takes you, let your Miles get you there faster. Enjoy a wide selection of flights to choose from and no blackout periods. Get up to 25% off at participating National Car Rental and Alamo Rent A Car locations. 7 Your card at a glance Merchandise and experiences With more than 1,200 reward options to choose from, you can redeem Miles for merchandise, tickets to sporting events, electronics, everything you need for your next DIY project and so much more. 1 AIR MILES Cash Opt in to AIR MILES Cash 2 and you can redeem these miles instantly in-store or online for e-gift certificates. Airmiles.ca is where your rewards live. You can redeem your Miles for dream vacations, shop the extensive catalogue of merchandise and experiences and get set up to redeem with AIR MILES Cash. 2! For more information on your BMO AIR MILES World Elite MasterCard, visit bmo.com/creditcards 5

8 Take things up a notch Your BMO AIR MILES World Elite MasterCard provides you with comprehensive insurance coverage (if you are 65 or under), which may protect you in the event of a medical emergency or other unforeseen event during your trip. 6

9 Free Priority Pass membership Start your trip by relaxing in one of the 800 VIP airport lounges worldwide by showing your Priority Pass membership card. With your free annual Priority Pass membership, you will receive two (2) complimentary airport lounge passes per year (over $150 value). Use these passes for yourself or towards the cost of an accompanying guest. Any additional passes used within the annual membership period will be charged US$27 per person to your BMO AIR MILES World Elite MasterCard per visit. 3 Emergency Travel and Medical Protection Travel with unlimited-trips-per-year coverage for journeys up to 15 days (up to $2 million in eligible medical expenses). 8 For more details including limitations and exclusions, please review the BMO AIR MILES World Elite Travel and Medical Protection Certificate of Insurance in your BMO AIR MILES World Elite Information Guide. Take things up a notch Concierge services Need theatre ticket information? Restaurant reservations? Enjoy free 24-hour access to our experienced concierge staff. For more information, call Additional cards Add an additional cardholder(s) to your account and earn even more AIR MILES Reward Miles.! For full details about these features, visit bmo.com/creditcards or call us at

10 8

11 Additional options 9 Optional BMO Credit Card Balance Protection Help protect yourself and your family in the event of unexpected loss of income by protecting the balance on your BMO MasterCard. The premium for BMO Credit Card Balance Protection is 94 cents for each $100 of your total average daily balance (plus applicable provincial taxes). 10 Optional extended Travel and Medical Protection Going on an extended trip? Consider supplementing the 15-day coverage included with your card with coverage for trips up to 31 days for an additional fee. 11 And, if you re 65 or over, ask about our Total Travel and Medical Protection plans. Add any of the above options to your card by calling Additional options! ChangeIt ± * is a convenient way to help those in need. When you make a purchase with your BMO credit card, you can round up your purchase price and donate the difference. You choose the charities and how much you d like to give. ChangeIt will do the rest. Your donation goes directly to your chosen charities, and the charities will issue annual tax receipts. To enrol your credit card, register at changeit.ca 9

12 Everyday services to fit your life It s more than just a piece of plastic. Your BMO AIR MILES World Elite MasterCard includes a comprehensive suite of up-to-date card security and payment technologies, and account support services. Designed for everyday convenience, credit protection and more. These features make your new card the perfect payment option for you. 10

13 Security and protection Worldwide support If you have an emergency virtually anywhere in the world, you can contact the MasterCard Assistance Centre 24 hours a day: (within Canada and the U.S.) (outside North America, call collect) MasterCard SecureCode * MasterCard SecureCode offers you a more secure Internet shopping experience when you use your BMO MasterCard online. Register for your personal MasterCard SecureCode today at bmo.com/securecode Extended Warranty Save the cost of buying optional extended warranty insurance on your next purchase by paying with your BMO credit card. This coverage increases the original manufacturer s warranty period, subject to limitations and exclusions, up to a maximum of one additional year. 12 Purchase Protection Get added protection. Items purchased with your card are automatically insured, subject to limitations and exclusions, against theft or damage for up to 90 days from date of purchase. 12 For full details on Extended Warranty and Purchase Protection, including limitations and exclusions, please refer to the Information Guide you received with your card. Identity theft recovery Should you become a victim of identity theft, call IDefence toll-free at Help is available around the clock. Specialists will help you find the fastest and most efficient way to correct your financial information and restore your personal reputation. Everyday services to fit your life 11

14 Added value services MasterCard Contactless * Your BMO credit card lets you make purchases at contactless terminals without having to swipe your card. Simply tap your card with contactless feature on the terminal and away you go. For more information, visit mastercard.ca/tapandgo For additional convenience, you can order a Mobile Tag, which sticks to the back of your mobile device. It s as easy as tap & go. * Plus, if you collect rewards on your credit card, you ll collect them on your Mobile Tag purchases as well. For more details, visit bmo.com/mobiletag estatements and estatement alerts Securely view estatements for your credit card account anytime through BMO Online Banking. Sign up to receive alerts by or text message to let you know when your estatements are available to view. estatement alerts will help you keep on top of your credit card payments. Convenient bill payment Use the following options to make payments on your BMO AIR MILES World Elite MasterCard: Directly from your BMO bank account: BMO ATM BMO Online & Mobile Banking: Visit bmo.com to register. BMO Telephone Banking: call to register. Mail Pre-authorized payments: Automatic monthly payments from your BMO account or an account at any financial payment institution in Canada. Call for more information. In person at any BMO Bank of Montreal branch. 12

15 Zero Liability Protection 13 for lost or stolen cards With BMO credit card, you have peace of mind knowing that you won t be held responsible for unauthorized purchases in the store, over the telephone or online. With Zero Liability Protection, if someone uses your card without your authorization, you are not liable if: you did not contribute to the unauthorized use you used reasonable care to safeguard your card and PIN you notify us by telephone within 24 hours of discovering the loss, theft or misuse of your card or cheques, or after you discover or suspect that someone else knows your PIN you haven t reported two or more unauthorized transactions in the last 12 months, and your account is in good standing If you don t meet these criteria, you will be liable for all charges incurred in connection with the unauthorized use. Safeguarding your card, PIN and cheques Please take care to safeguard your card, PIN and credit card cheques against loss, theft or misuse. To safeguard your PIN: you must not voluntarily disclose your PIN you must keep your PIN separate from your card you must not choose a PIN selected from your name, date of birth, telephone numbers, address or social insurance number When inputting your PIN into an ATM or point-of-sale terminal, telephone or computer in public areas, please take reasonable precautions, such as ensuring that no one is watching you by using your body or hand as a shield in order to conceal your PIN from the view of others. We encourage you to be cautious of websites, online services, callers or other parties pretending to be Bank of Montreal (or a subsidiary) that ask for this information or purport to bring together, summarize, aggregate or consolidate your financial data and other information that is currently available to you online. You must notify us by telephone within 24 hours if you learn of the loss, theft or misuse of your card or cheques, or if you know or suspect that someone else knows your PIN. 13

16 Complaint resolution We hope you ll never have a complaint about your BMO credit card or its features, but if you do, we encourage you to contact us so that we can work together to find a resolution. Here are the four steps you can follow: 14

17 1. Talk to Us Talk to a representative at the branch or office where your complaint originated, or where you normally conduct your business. If your concerns are not resolved, please involve the Manager/Supervisor. Alternatively, contact: BMO Credit Card Call: TTY: Visit: bmo.com/creditcards 2. Escalate to a Senior Officer If your complaint is unresolved after following Step 1, you may escalate to the appropriate business group Senior Officer, listed below: BMO Credit Card Office of the Head, North American Customer Contact Centre P.O. Box 3400 RPO Streetsville Mississauga, ON L5M 0S9 Call: Fax: Escalate to the BMO Ombudsman If your complaint is unresolved after following Steps 1 and 2, you may escalate to the BMO Ombudsman. The BMO Ombudsman s mandate is to conduct impartial reviews of unresolved financial services complaints for customers of Canadian operating groups. The process is based on fairness, integrity and respect, and considers: the interests of all parties, any relevant documentation, applicable laws, rules, regulations, policies and industry practices, as well as the overall fairness of the situation. At the conclusion of a review, the BMO Ombudsman may facilitate a resolution between the parties or make a recommendation to settle the complaint. The BMO Ombudsman does not investigate certain types of complaints, including: Credit granting policies or risk management decisions Decisions to close accounts Business decisions to change product or service offerings Complaint resolution 15

18 Levels of interest rates, service charges or fees that apply to all customers Transaction or other product or service issues for which BMO records no longer exist Matters that are, or have been, before a Court, tribunal, or other independent dispute resolution body BMO Financial Group Ombudsman 1 First Canadian Place P.O. Box 150 Toronto, ON M5X 1H3 Call: Fax: bmo.ombudsman@bmo.com Escalate to BMO Financial Group Privacy Office if your complaint is regarding the privacy of your personal information and remains unresolved after following Steps 1 and 2, you may contact the Privacy Office at: privacy.matters@bmo.com Subject line: Attn: Chief Privacy Officer BMO Financial Group Office of the Chief Privacy Officer 1 First Canadian Place P.O. Box 150 Toronto, ON M5X 1A1 If you are still not satisfied, you can contact: The Office of the Privacy Commissioner of Canada Call: Visit: privcom.gc.ca 4. Contact an Ombuds Service Ombudsman for Banking Services and Investments If your complaint relates to one of the following entities: BMO Bank of Montreal BMO Investments Inc. BMO InvestorLine Inc. BMO Nesbitt Burns Inc. You also have the additional option of escalating your complaint to the Ombudsman for Banking Services and Investments (OBSI). OBSI is an independent service for resolving banking services and 16

19 investment disputes. It is your right to bring your case to OBSI for an impartial, informal and confidential review. OBSI is not a regulator, and does not advocate for consumers or the industry. Services are free to consumers. Ombudsman for Banking Services and Investments (OBSI) 401 Bay Street Suite 1505 P.O. Box 5 Toronto, ON M5H 2Y4 Call: Fax: ombudsman@obsi.ca Visit: obsi.ca Voluntary Commitments and Codes of Conduct BMO Financial Group has participated in the development of and is committed to the following Voluntary Commitments and Codes of Conduct, designed to protect consumers. 1. Canadian Code of Practice for Consumer Debit Card Services 2. Online Payments 3. Guidelines for Transfers of Registered Plans 4. Canadian Bankers Association Code of Conduct for Authorized Insurance Activities 5. Principles of Consumer Protection for Electronic Commerce: A Canadian Framework 6. Model Code of Conduct for Bank Relations with Small and Medium Sized Businesses 7. Plain Language Mortgage Documents 8. Low-Cost and No-Cost Bank Accounts 9. MasterCard Zero Liability 10. Undertaking on Right of Rescission of Principal Protected Notes 11. Code of Conduct for the Credit and Debit Card Industry in Canada 12. Commitment on Modification or Replacement of Existing Products and Services 13. Code of Conduct for Federally Regulated Financial Institutions Mortgage Prepayment Information 14. Commitment to Provide Information on Mortgage Security 15. Commitment on Powers of Attorney and Joint Deposit Accounts 17

20 Let s connect For more information about the Voluntary Commitments and Codes of Conduct: Visit: bmo.com Call: , select language and then select option 3. Alternative Options Regulator Financial Consumer Agency of Canada (FCAC) The FCAC supervises federally regulated financial institutions to ensure they comply with federal consumer protection laws and voluntary commitments and codes of conduct. For example, financial institutions are required to provide consumers with information about complaint handling procedures, fees, interest rates and branch closures. If you have a complaint concerning a consumer protection law or a voluntary commitment or code of conduct, you may contact the FCAC at: Financial Consumer Agency of Canada 427 Laurier Avenue West, 6 th Floor Ottawa, ON K1R 1B9 Call (English): FCAC (3222) Call (French): ACFC (2232) Visit: fcac-acfc.gc.ca Note: The FCAC does not provide redress or compensation and cannot get involved in individual disputes. Tips: For a complete listing of federal consumer protection laws, voluntary commitments and codes of conduct, visit: fcac-acfc.gc.ca 18

21 Our Commitment to You BMO Financial Group appreciates and values the opportunity to assist you in meeting your financial objectives today, and in the future. We re committed to a strong customer focus: to service, to excellence, and to being responsive to help you reach your goals. This demands that we listen to you, constantly seek ways to enhance your experience with us, and help us earn the right to be your financial services provider. 19

22 Terms & conditions The information in this booklet is correct as of June 10,

23 The information in this booklet is correct as of June 10, 2016, and is subject to change. 1 All Rewards offered are subject to the Terms and Conditions of the AIR MILES Reward Program, are subject to change and may be withdrawn without notice. To redeem for Travel and/or Merchandise Rewards, you must have accumulated sufficient AIR MILES Reward Miles in your Dream Balance. Some restrictions may apply. Quantities may be limited. Collectors must pay applicable surcharges, fees, and taxes on flight, hotel, and car rental Rewards. Travel Rewards may be subject to a minimum advance booking and availability from participating Suppliers. No cancellations, exchange or refunds for tickets, certificates or merchandise once booked or ordered. For complete details, see current Program Terms and Conditions available at airmiles.ca or the AIR MILES Customer Care Centre at AIR MILES (in Toronto, ). 2 Redeem AIR MILES Reward Miles in the Cash balance of your AIR MILES Collector Account in-store in increments of ninety-five (95) Reward Miles for $10 off your purchases at participating AIR MILES Sponsor locations to a maximum of $750 per day and online at airmiles.ca/cash in increments of ninety-five (95) Reward Miles for every $10 value from participating AIR MILES evoucher Partners to a maximum of $750 per day. evouchers can be used at participating evoucher Partners locations in Canada only. See specific evoucher reward page for details and any restrictions. Visit airmiles.ca/cash to learn more. You must have accumulated sufficient Reward Miles in the Cash balance of your Collector Account in order to redeem Reward Miles toward in-store purchases and evouchers. All Rewards offered are subject to the Terms and Conditions of the AIR MILES Reward Program, are subject to change and may be withdrawn without notice. For complete details, visit airmiles.ca. 3 Benefits provided by Priority Pass Inc. Value of the Priority Pass membership is calculated as follows: standard membership (US$99) plus two free VIP lounge passes per membership year (worth US$54). Value and benefits of the complimentary Priority Pass membership are subject to change without notice. Use the two complimentary passes for yourself or to cover the cost of the lounge visit of your travelling companion. After using both passes, you can continue to enjoy lounge access for a fee of only US$27 per person, per visit. 4 Offer is cumulative over the statement period. Award of AIR MILES Reward Miles is made for purchases charged to your account (less refunds and excluding cash advances, cash-like transactions, interest charges, fees and credit or debit adjustments) and is subject to the AIR MILES Terms and Conditions. Reward Miles will be rounded down to the nearest whole number. Fractions of Reward Miles will not be awarded. 5 Exclusive 25% Flight Discount: Fly on any AIR MILES flight within North America for 25% fewer Reward Miles when you book through airmiles.ca or by calling For example, you could redeem a 1,300 Reward Miles flight for only 975 Reward Miles. If you have the BMO AIR MILES World Elite MasterCard, when you redeem AIR MILES Reward Miles for a flight in North America you will receive a 25% discount from the number of AIR MILES Reward Miles you would ordinarily require. North America includes flight travel within Canada, from Canada to the United States of America, including Hawaii and Alaska and excluding Puerto Rico and flight travel within the United States and flight travel to and from Mexico. This benefit does not apply to Cash + Miles Rewards. For flight redemptions: There are no blackout periods. This benefit does not apply to the cash portion of the flight redemption (such as airport improvement fees and booking fees) or to the flight component of package vacations and cruises. This benefit cannot be combined with any other offer. To redeem for Travel Rewards, you must have accumulated sufficient AIR MILES Reward Miles in your Dream Balance. Collectors must pay applicable surcharges, fees and taxes on air travel Rewards. Travel Rewards may be subject to a minimum advance booking and availability from participating Suppliers. For complete details, see current Program Terms and Conditions available at airmiles.ca or the AIR MILES Customer Care Centre at AIR MILES (in Toronto, ). 6 BMO AIR MILES World Elite MasterCard cardholders receive 2x Reward Miles for every $10 spent at National Car Rental. Reward Miles are awarded per transaction at participating National Car Rental and Alamo Rent A Car locations. Offer is cumulative over the statement period. The number of Reward Miles will be rounded down to the nearest whole number. Fractions of Reward Miles will not be awarded. 7 The contract ID number ( for National Car Rental and for Alamo Rent A Car) must be included when making a car rental reservation to receive discounts. Discount applies to base rate only at participating National Car Rental and Alamo Rent A Car locations. Discount varies by rental date, location and vehicle type. Taxes, other governmentally-authorized or imposed surcharges (including GST), license and concession recoupment fees, airport and airport facility fees, fuel, additional driver fee, one-way rental charge and optional items (such as LDW up to US$30 per day) are extra. Renter must meet standard age, driver and credit requirements. 24-hour advance reservation required. May not be combined with other discounts. Availability is limited. Subject to change without notice. 8 Subject to Terms and Conditions, including limitations and exclusions contained in the BMO AIR MILES World Elite Travel and Medical Protection Certificate of Insurance, which is sent to new cardholders; please refer to the Certificate for further details. Out-of-Province/Out-of-Country Emergency Medical benefits are only applicable to cardholders under the age of 65. BMO MasterCard insurance benefits provided by Allianz Global Risks US Insurance Company (Canadian Branch). 9 If you remove an optional feature from your account before the annual anniversary date, you may not receive a full refund. You may cancel this optional coverage at any time. 10 The premium is $0.94 per $100 of your total average daily balance for the billing cycle plus applicable provincial taxes. This average daily balance is obtained by adding up your credit card account balances from the end of each day in the billing cycle, including any interest and other charges. That amount is then divided by the number of days in the billing cycle to get the total average daily balance. Subject to Terms and Conditions, including limitations and exclusions contained in the BMO Credit Card Balance Protection Certificate of Insurance. Please refer to the Certificate for further details. Insurance benefits provided by The Manufacturers Life Insurance Company for life, critical illness, total disability, hospitalization, and terminal illness caregiving benefits and First North American Insurance Company for the job loss benefit. 11 Subject to terms and conditions, including limitations and exclusions contained in the Certificate of Insurance for the optional coverage selected, which is sent upon enrollment. Out-of-Province/Out-of-Country Emergency Medical benefits are only available to cardholders under the age of 65 in the case of BMO 17 and 31 Day Medical Protection plans, and under 75 in the case of the BMO Total Travel and Medical Protection plan. Please refer to the Certificate for further details. BMO MasterCard insurance benefits provided by Allianz Global Risks US Insurance Company (Canadian Branch). 12 Purchase Protection and Extended Warranty insurance benefits, subject to limitations and exclusions, provided by Allianz Global Risks US Insurance Company (Canadian Branch). The Certificate of Insurance will be sent to new cardholders. 13 If your card is used without your authorization, you will not be liable if: you did not knowingly contribute to the unauthorized use; you used reasonable care to keep your card safe from loss, theft or misuse; you kept your PIN confidential and separate from your card; you notify us by telephone within 24 hours if you learn of the loss, theft or misuse of your card, or if you know or suspect that someone else knows your PIN; there have not been two or more unauthorized uses of your card in the last 12 months; and your account is in good standing. If you don t meet these criteria, you will be liable for all charges incurred in connection with the unauthorized use. / Trademarks/registered trademarks of Bank of Montreal. * / * Trademarks/registered trademarks of MasterCard International Incorporated. Priority Pass is a trademark of Priority Pass Inc. IDefence is a registered trademark of Davis + Henderson, Limited Partnership. National, and the flag are trademarks of Vanguard Trademarks Holding USA, LLC. ** Alamo is a trademark of Vanguard Trademarks Holdings USA, LLC. ± * Registered trademark of Formulating Change Inc. 21 Terms & conditions

24 (06/16)