2. What are the unique features and benefits of the new BSN Visa Debit Card/-i?

Save this PDF as:
 WORD  PNG  TXT  JPG

Size: px
Start display at page:

Download "2. What are the unique features and benefits of the new BSN Visa Debit Card/-i?"

Transcription

1 FREQUENTLY ASKED QUESTIONS THE NEW BSN VISA DEBIT CARD/-i 1. What is BSN Visa Debit Card/-i? The BSN Visa Debit Card/-i is the first multi-privilege Visa paywave debit card issued in Malaysia and is linked to your BSN savings account. The card offers a host of benefits and privileges to help you live your life easy and debt free. It can be used to make purchases wherever the Visa or Visa paywave logo is displayed worldwide and even for online purchases. For ATM transactions, you can use it at any BSN ATM, MEPS ATM or ATMs that displays the Visa PLUS logo overseas. Either way you use it, the amount is deducted automatically from your BSN savings account - so it helps you to control your spending and live within your means. 2. What are the unique features and benefits of the new BSN Visa Debit Card/-i? Most debit cards have two key features: the ability to purchase items and the ability to withdraw cash at an ATM. The BSN Visa Debit Card/-i offers you more than that! You ll enjoy smart benefits and features like these and more all combined in one debit card. a) Visa paywave Just shop, wave and go with your BSN Visa Debit Card/-i wherever the Visa paywave symbolis displayed, locally or overseas. Visa paywave is a convenient, secure and quick payment method for purchases up to RM150 and no signature or PIN is required. No more worrying if you have enough cash in your wallet or fumbling for change. b) Built-in Touch n Go Features Enjoy the convenience of having a BSN Visa Debit Card/-i with built-in Touch n Go features. Reload and use it at tolls, public transport, car parks or wherever the Touch 'n Go sign is displayed. c) PLUSMiles Rewards & Privileges Take advantage of the PLUSMiles loyalty program tied to the BSN Visa Debit Card/-i and enjoy toll rebates, reward points and discounts at participating PLUSMiles merchants. For more information on PLUSMiles privileges, log on to d) BCARD Loyalty Program Collect BPoints when you charge your BSN Visa Debit Card/-i for purchases at over 800 BCARD participating outlets and redeem instantly or online. BCARD is Malaysia s premier lifestyle and brand-

2 focused reward program, partnering with merchants from various industries such as Starbucks, Berjaya Hotels & Resorts, Lazada and more. e) 0.5% Unlimited Cash Back Enjoy 0.5% cash back on all your retail purchases, including online transactions whenever you use your BSN Visa Debit Card/-i in Malaysia and overseas. What s more, there s no capping on the amount of cash back you can earn! The cash back will be credited into your savings account every month. 3. Who is eligible for BSN Visa Debit Card/-i? Individual customers who have a BSN savings account and meet the age requirement are eligible for the card. 4. How may I apply for the BSN Visa Debit Card/-i? Visit any BSN branch nearest to you to open a savings account. Complete the application form and select BSN Visa Debit Card or BSN Visa Debit Card-i. Bring along your MyKad for verification purposes. 5. I am an existing BSN Matrix/-i card holder. How do I convert my card/-i to the new BSN Visa Debit Card/-i to enjoy the new privileges? You can convert your card/-i to the new BSN Visa Debit Card/-i at any BSN branch. Just bring along your BSN Matrix/-i Card and MyKad for verification purposes. No charges will be imposed for the issuance of the new BSN Visa Debit Card/-i for new customers or existing customers who convert their card/-i during our promotion period from 1 December 2013 to 28 February The new BSN Visa Debit Card/-i carries the Visa paywave logo? What is Visa paywave and where can I use it? Visa paywave is a fast and convenient innovative contactless payment that lets you pay quickly for purchases under RM150 at any retailer displaying the Visa paywave logo in Malaysia and overseas. No signature or PIN is required. You can still use your BSN Visa Debit Card/-i for larger purchases by signing on the sales receipt like the normal way. Here s how it works: 1. Look for the contactless Visa paywave symbol in participating retail stores. 2. Wave your BSN Visa Debit Card/-i in front of the secure card reader. 3. Collect your purchases and go. If you want a receipt, you may request from the cashier.

3 7. Where can I use my BSN Visa Debit Card/-i? For Retail Purchases: At millions of Visa accepted outlets in Malaysia and overseas such as departmental stores, restaurants, petrol stations, retail outlets and more. For Online, Mail Order and Telephone Purchases: At online shopping websites worldwide, including purchases by mail and over the phone. For Cash Withdrawal: At BSN ATMs, MEPS ATMs and ATMs overseas bearing the Visa PLUS logo 8. Do I need to pay any charges when I use my BSN Visa Debit Card/-i for retail or online purchases? There are no charges or fees imposed for retail or online purchases using the BSN Visa Debit Card/-i. 9. What is my daily purchase limit? For security control, BSN allows you the flexibility to choose the desired purchase limit for your retail purchases. The default daily purchase limit is pre-set at RM1,000 for adult accounts and RM500 for teen accounts. You may change the limit to an amount between RM0 to RM10,000 at any BSN ATM or BSN branch. 10. How long does it take to receive a BSN Visa Debit Card/-i? You will get your BSN Visa Debit Card/-i instantly together with your PIN when you apply at any BSN branch. However if you request for a personalised card (with your name on it), you will be required to collect your card/-i after 14 days at the branch where you applied. 11. The new BSN Visa Debit Card/-i comes with a built-in Touch n Go feature. Where can I top-up my BSN Visa Debit Card/-i so that I can use it for toll and other payments? Currently the topping-up of your BSN Visa Debit Card/-i can only be done manually. Simply hand over your BSN Visa Debit Card/-i together with your cash at any Touch 'n Go Hubs, Touch 'n Go SPOTs at selected petrol stations, Touch 'n Go Sales Counters and Reload Lane at highways, selected PETRONAS stations, Rapid KL, LRT, KTM Komuter and other TNG reload agents. 12. Will I also be entitled to the 20% toll rebate under the Frequent Travellers Program offered by Touch n Go? Yes, you will be entitled to the 20% toll rebate program if you perform at least 80 toll transactions in a month in all highways. For more details on this program, Touch n Go privileges, terms and conditions, log on to The new BSN Visa Debit Card/-i also comes with PLUSMiles loyalty program application. What are the benefits that I can enjoy under this program when I use my BSN Visa Debit Card/-i for toll payment at PLUS highways? The key benefits that you will enjoy are: a) 5% toll rebate for monthly toll usage of RM100 and above at PLUS highways b) Reward Points for monthly toll usage of less than RM100 c) Discount & Privileges at participating PLUSMiles merchants

4 d) Free e-statement To be eligible for the 5% toll rebate, you need to register at using the Serial/Mfg Card Number (please refer to your Touch n Go reload receipt for this number). For more information on PLUSMiles loyalty program terms and conditions, log on to How do I collect and redeem BPoints with my new BSN Visa Debit Card/-i? Spend with your BSN Visa Debit Card/-i at any BCARD participating outlet to collect BPoints. Redeem your BPoints for exclusive items instantly at any BCARD participating outlet nationwide or redeem online at BPoints is equivalent in value to RM1. To log-in, just enter your BCARD number which is the bar code at the back of your debit card/-i. The last 6 digits is also your BCARD PIN. For more information on BCARD offers, participating outlets and terms & conditions, visit the BCARD website above or call BCARD Call Centre at Can I use my BSN Visa Debit Card/-i when I travel overseas? Yes, you can use your BSN Visa Debit Card/-i overseas provided you activate the overseas transaction flag prior to your departure. The activation process can be done through any BSN ATM, MyBSN, BSN Call Center or at any of BSN branches. Once activated, you can use it for retail purchases or to withdraw cash from any ATM overseas that bears the Visa PLUS logo. 16. What do I need to do if my Online Purchases and Oversea transaction is unsuccessful? You must activate Online Purchases and Oversea Transaction Functions to allow the transactions or spending. The activation can be done through BSN ATM, MyBSN, BSN Call Center or at any of BSN branches. 17. Can I disable the activation of Online Purchase and Overseas Transaction function? Yes. You can disable the functions via BSN ATM, MyBSN, BSN Call Centre or at any BSN branch. 18. What are the instances where pre-authorisation transactions are done to my savings account? Petrol Transactions A pre-authorisation amount of RM200-RM250 will be debited from your BSN savings account when you pay for your petrol at the pump (outdoor kiosk). The amount will then be reversed once the bank receives the actual settlement within 3 days. You are advised to pay at the cashier indoor to avoid the pre-authorisation holding. Hotel To avoid the pre-authorisation holding, you are advised to use your BSN Visa Debit Card/-i during check-out only. 19. Why is it that sometimes my BSN Visa Debit Card/-i transaction gets declined? Among the common reasons are: Insufficient balance in your savings account or due to withholding of pre-authorisation amount.

5 Transaction amount exceeds the set daily purchase limit. If your transaction is declined overseas, you may not have activated the Overseas Transaction flag at our BSN ATM prior to your departure. 20. What are the security features in the BSN Visa Debit Card/-i? EMV Smart Chip: Uses advanced smart chip technology for greater security. Visa paywave: The card never leaves your hand when making transactions, which reduces the risk of fraud. Visa s Zero Liability Policy: Protects you against any fraudulent or unauthorised purchases. Pre-set Daily Purchase Limit: The defaulted daily purchase limit is RM1,000 for adult accounts and RM500 for teen accounts. You may decrease or increase this limit at any BSN ATM or BSN branch. SMS Alerts: Transaction alerts via SMS will be sent to your registered mobile phone number for certain transactions using card/-i. Online shopping: When making payment for online purchases, a BOSS code (BSN Online Secured Shopping) will be sent to your mobile number registered with BSN via SMS for you to enter and complete the transaction securely. Note: Please ensure you update your latest mobile number at any BSN ATM or BSN branch. 21. What should I do if my BSN Visa Debit Card/-i is lost or stolen? You are required to report your lost or stolen card immediately through any one of the following channels: Call BSN Customer Service at (Malaysia) or (Overseas) Visit any BSN branch and make a report 22. What are my obligations as a BSN Visa Debit Card/-i Cardholder? a) The CardMember shall sign at the back of BSN Visa Debit/-i Card immediately upon receipt of the Card. b) Protect your Personal Identification Number (PIN). i. Do not write your PIN on BSN Visa Debit/-i Card or keep it together with the Card. ii. Do not use date of birth, identity card number or mobile number as PIN or password. c) The CardMember shall exercise reasonable precautions to prevent loss or theft of BSN Visa Debit Card/-i or disclosure of the Personal Identification Number (PIN) to any unauthorized person.

6 d) Any loss and theft of BSN Visa Debit Card/-i or disclosure of the PIN to an unauthorized person and unauthorized use of the Card must immediately be reported to the Bank by contacting BSN Call Centre at or (overseas). e) The CardMember shall not allow or empower any third party to use BSN Visa Debit/-i Card and cannot transfer or relinquish control or ownership of the Card or use it for purposes which is not allowed transaction by the Bank. f) The CardMember is responsible for ensuring sufficient funds in the account before effecting the transaction. g) Check your transaction records from time to time via to ensure transactions performed are correct and notify us in writing 14 days from the transaction date if there are any errors or omissions. If not, the transaction will be deemed as accurate. h) The CardMember shall use BSN Visa Debit Card/-i responsibly and not for any illegal or unlawful activities, or use the card to engage in an Internet gambling transaction done by the CardMember (BSN Visa Debit Card-i); or use the card as payment for non-shariah approved transaction (BSN Visa Debit Card-i). i) BSN shall not at any time be liable to you or any other person for any damage or loss suffered (including all direct, indirect, special or consequential damages, economic loss, loss of profits or loss of opportunity) arising from any interruption or unavailability of this website, the services herein and/or the content and/or your access to and use of the same for whatever reason other than a failure in the BSN s system or BSN s equipment breakdown or from any delay or error in any transmission or communication pertaining to your access and use of this website, the services and the content herein. Notwithstanding the aforementioned, the Bank shall not be liable for any damage or loss resulting from your fraudulent act. j) The CardMember shall not be held liable for losses arising from an e-banking, direct debit or card not present transaction unless the Bank can prove on a balance of probabilities that: (a) The CardMember has acted fraudulently (b)the CardMember failed to carry out the following obligations as informed by the Bank to the CardMember: (i) Deliberately or not deliberately disclosing the access identity (ID) and passcode to any other person via unsolicited s or on any website other than the official website of the bank(bsn); (ii) Taking reasonable steps to keep security device secure at all times; or (iii) Reporting a breach of the security of a pass code or the loss of a security device to the bank as soon as reasonably practicable, upon the customer becoming aware of the breach or loss respectively. (c) The CardMember has failed to carry out the obligation to report any unauthorised transaction to the Bank as soon as reasonably practicable, upon the Cardmember becoming aware of the unauthorised transaction.

7 23. As a new BSN Visa Debit Card/-i holder, what other additional benefits can I enjoy? You will also enjoy the following additional benefits: a) Annual Card Fee Waiver: Your annual card fee will be waived if your accumulated retail spend is RM3,600 and above within the 12 months prior to the annual card fee anniversary date. b) Up to 5X FREE MEPS cash withdrawal fee per month: Please refer to the FAQ on MEPS Fee Reimbursement Program What are the charges charges applicable by BSN for the BSN Visa Debit Card/-i? Fees & Charges Items Annual Fee (Annual fee is chargeable on a yearly basis during the card s anniversary date. Annual Fee will not be imposed to the Cardmember on the year the card is issued) Card Issuance/Renewal Fee Conversion/Upgrade from ATM Card or BSN Matrix/-i Visa Electron Debit Card to BSN Visa Debit/-i Card. Fees/Charges RM8 RM12 RM12 Card Replacement Fee (For damaged Debit/-i Card due to Cardmembers fault, lost and stolen) RM12 ATM Cash Withdrawal: Domestic BSN ATM Other Local Bank s ATM via MEPS Other Foreign Bank s ATM via MEPS International ATM Network via VISA PLUS ATM Balance Enquiry Transaction History (latest 2 months) Internet Banking mybsn.com.my Fund Transfer via ATM to MEPS member banks Free RM1/withdrawal RM4/withdrawal RM12/withdrawal Free Free RM1 per transaction

8 Sales Slip Retrieval Request Fee Conversion Fee for Overseas Transaction RM15 per copy As per conversion rate determined by VISA + any transaction fee charged by VISA (equivalent to 1%) Note: All Fees and Charges imposed on your BSN Visa Debit Card/-i are subjected to the 6% Goods and Services Tax (GST) effective from 1 April FREQUENTLY ASKED QUESTIONS MEPS - FEE REIMBURSEMENT PROGRAM 1. How does the MEPS fee reimbursement program work? As a new BSN BATMAN VISA DEBIT CARD/-i holder, you will enjoy reimbursement on your MEPS cash withdrawal fee depending on the plan you choose and upon fulfilment of the set conditions. Choose either ONE of the plans below when you open a new savings account or convert your card/-i. Type of Plan TRANSACTORS (22 years old and above) SAVERS (22 years old and above) YOUTH (21 years old and below) MEPS Reimbursement Program/ Bonus Returns Reimbursement of three (3) MEPS cash withdrawal fee per month Reimbursement of five (5) MEPS cash withdrawal fee per month 2% p.a. Bonus Returns* Reimbursement of three (3) MEPS cash withdrawal fee per month Condition(s) To Be Met With average monthly account balance of RM1, 500 and above. With average monthly account balance of RM3, 000 and above. On every average incremental growth of RM1, 000(month on month) rounded down to the nearest thousand. With average monthly account balance of RM500 and above. *For Giro-i account, the indicative rate is based on profit sharing ratio of 25:75 2. I have opened my BSN savings account when I was 20. What will happen to my account when I reach 22 years old? Your account will be automatically converted to Transactors plan once you reach 22 years old.

9 3. How will the MEPS cash withdrawal fee be reimbursed to me if I fulfill the set condition? The standard MEPs cash withdrawal fee will be imposed at the time of the transaction. However if you meet the set condition(s) for that month, the fee will be reimbursed back to your BSN savings account in the following month. No fee reimbursement will be done if you close your BSN savings account. 4. How is the Average Monthly Balance (AMB) calculated? AMB (New Account): AMB (Existing Account): EXAMPLE: Mr Zak opens a BSN savings account on 22 May The total end of day balance in his account as at 31 May 2014 was RM100, 000. MR Zak s account has been open for a period of 10 days for the month of May The AMB in his account for May 2014 = RM100, 000/10 days= RM10,000.

PRODUCT DISCLOSURE SHEET

PRODUCT DISCLOSURE SHEET PRODUCT DISCLOSURE SHEET (Read this Product Disclosure Sheet before you decide to take out the CIMB Bank Kwik Account. Be sure to also read the general terms and conditions) CIMB Bank Bhd CIMB Bank Kwik

More information

PRODUCT DISCLOSURE SHEET

PRODUCT DISCLOSURE SHEET PRODUCT DISCLOSURE SHEET KINDLY READ THIS PRODUCT DISCLOSURE SHEET BEFORE YOU DECIDE TO TAKE UP ANY TUNE MONEY SDN BHD ( TUNE MONEY ) PREPAID CARD. PLEASE MAKE SURE YOU ALSO READ THE TERMS AND CONDITIONS

More information

Bank Islam Team Harimau Visa Debit Card-i

Bank Islam Team Harimau Visa Debit Card-i Bank Islam Team Harimau Visa Debit Card-i TERMS AND CONDITIONS BANK ISLAM TEAM HARIMAU VISA DEBIT CARD-i 1. Overview The terms and conditions herein shall apply to all Visa debit cards issued by Bank Islam

More information

Visa Debit Card Conditions of Use.

Visa Debit Card Conditions of Use. Visa Debit Card Conditions of Use. Your Visa Debit Card gives you all the benefits of an EFTPOS card and more. That s because now you can shop everywhere you would with EFTPOS and anywhere VISA is accepted.

More information

PRODUCT DISCLOSURE SHEET

PRODUCT DISCLOSURE SHEET PRODUCT DISCLOSURE SHEET Read this Product Disclosure Sheet before you decide to take up the PB Visa Signature Credit Card. Be sure to also read the general terms and conditions. Public Bank Berhad (6463-H)

More information

ELECTRONIC FUND TRANSFER AGREEMENT AND DISCLOSURE PERSONAL CHECK and/or ATM CARD

ELECTRONIC FUND TRANSFER AGREEMENT AND DISCLOSURE PERSONAL CHECK and/or ATM CARD ELECTRONIC FUND TRANSFER AGREEMENT AND DISCLOSURE PERSONAL CHECK and/or ATM CARD This agreement and disclosure applies to payment orders and funds transfers governed by the Electronic Fund Transfer Act.

More information

Welcome to the convenience of a Bank of Melbourne. Visa Debit Card.

Welcome to the convenience of a Bank of Melbourne. Visa Debit Card. Welcome to the convenience of a Bank of Melbourne Visa Debit Card. Everyday Purchases Type of transaction ATM cash withdrawal In-store purchase In-store cash-out Bill payment How to access funds in Australia

More information

HSBC Visa Debit Card. Making the most of your card. HSBC Customer Service Centre. Go to hsbc.com.au/debit

HSBC Visa Debit Card. Making the most of your card. HSBC Customer Service Centre. Go to hsbc.com.au/debit HSBC Customer Service Centre Go to hsbc.com.au/debit Call 1300 308 008 from Australia +61 2 9005 8131 from Overseas 24 hours a day, 7 days a week ^Visa Zero Liability subject to investigation of unauthorised

More information

Credit Card PIN & PAY Frequently Asked Questions (FAQ)

Credit Card PIN & PAY Frequently Asked Questions (FAQ) Credit Card PIN & PAY Frequently Asked Questions (FAQ) 1. What is a PIN & PAY card? PIN & PAY card is a PIN - enabled card that allows you to make purchase by keying in a 6-digit PIN, with no signature

More information

ipayu TM Prepaid MasterCard FREQUENTLY ASKED QUESTIONS

ipayu TM Prepaid MasterCard FREQUENTLY ASKED QUESTIONS ipayu TM Prepaid MasterCard FREQUENTLY ASKED QUESTIONS What is the ipayu Prepaid The ipayu Prepaid MasterCard provides parents with a convenient, safe way to send money to their students. Students can

More information

ANZ Credit Card Frequently Asked Questions

ANZ Credit Card Frequently Asked Questions ANZ Credit Card Frequently Asked Questions January 2013 CARD FEATURES What are the main features of the new ANZ Credit Card? features including, up to 45 days interest free, acceptance at over 30 million

More information

360 Federal Credit Union Reloadable Prepaid Card Terms and Conditions

360 Federal Credit Union Reloadable Prepaid Card Terms and Conditions 360 Federal Credit Union Reloadable Prepaid Card Terms and Conditions These are your Prepaid Card Terms and Conditions: "Agreement" means these Visa Prepaid Card Terms and Conditions. "We" "us" and "our"

More information

BANK OF BARODA (NEW ZEALAND) LIMITED (BOBNZ) VISA CLASSIC DEBIT CARD. User Guide

BANK OF BARODA (NEW ZEALAND) LIMITED (BOBNZ) VISA CLASSIC DEBIT CARD. User Guide BANK OF BARODA (NEW ZEALAND) LIMITED (BOBNZ) VISA CLASSIC DEBIT CARD User Guide Table of Contents Page No Welcome 2 Know your Visa Classic Debit Card 3 Important Information 4 Keeping your Visa Card safe

More information

PRODUCT DISCLOSURE SHEET

PRODUCT DISCLOSURE SHEET PRODUCT DISCLOSURE SHEET Read this Product Disclosure Sheet before you decide to take up the PB Visa Infinite Credit Card. Be sure to also read the general terms and conditions. Public Bank Berhad (6463-H)

More information

FEDERAL ELECTRONIC FUND TRANSFER DISCLOSURES

FEDERAL ELECTRONIC FUND TRANSFER DISCLOSURES FEDERAL ELECTRONIC FUND TRANSFER DISCLOSURES IMPORTANT INFORMATION for our customers who have authorized electronic fund transfers: The Federal Electronic Fund Transfer Act and regulations adopted thereunder

More information

www.fpcu.org RELOADABLE PREPAID CARD

www.fpcu.org RELOADABLE PREPAID CARD www.fpcu.org RELOADABLE PREPAID CARD terms AND CONDITIONS Effective 5.1.12 The following are your Financial Partners Credit Union MASTERCARD Reloadable Prepaid Card Terms and Conditions. Except as the

More information

Citibank Ready Credit: FAQs 31 October 2015 Version. Citibank Ready Credit FAQ

Citibank Ready Credit: FAQs 31 October 2015 Version. Citibank Ready Credit FAQ Citibank Ready Credit FAQ Q: What is Citibank Ready Credit? A: Citibank Ready Credit ( CRC ) is an unsecured personal overdraft with checking facility. A CRC Visa Debit & ATM Card will be issued to you

More information

True Rewards Card Conditions of Use

True Rewards Card Conditions of Use True Rewards Card Conditions of Use True Rewards ASB Bank Limited 55930 1300 0315 Hello and welcome! These are the conditions of your agreement with ASB Bank Limited, PO Box 35, Shortland Street, Auckland

More information

Reloadable Visa Debit Card. These are your Reloadable Visa Debit Card Terms and Conditions.

Reloadable Visa Debit Card. These are your Reloadable Visa Debit Card Terms and Conditions. Reloadable Visa Debit Card These are your Reloadable Visa Debit Card Terms and Conditions. "Agreement" means these Visa Prepaid Card Terms and Conditions."We" "us" and "our" refer to Del Norte Credit Union.

More information

Visa Student Card Terms and Conditions. These are your Student Card Terms and Conditions.

Visa Student Card Terms and Conditions. These are your Student Card Terms and Conditions. Visa Student Card Terms and Conditions These are your Student Card Terms and Conditions. "Agreement" means these Visa Student Card Terms and Conditions. "We" "us" and "our" refer to Bank-Fund Staff Federal

More information

Hang Seng enjoy Card Benefits Directory

Hang Seng enjoy Card Benefits Directory Hang Seng enjoy Card Benefits Directory Content Important Points to Remember Page 1 Customer Privileges - Hang Seng enjoy Card Rewards Programme Page 2 - Online Shopping Security Page 4 - Maximum Financial

More information

PRODUCT DISCLOSURE SHEET

PRODUCT DISCLOSURE SHEET PRODUCT DISCLOSURE SHEET Read this Product Disclosure Sheet before you decide to take up the PB Visa Classic / MasterCard Standard Credit Card. Be sure to also read the general terms and conditions. Public

More information

Credit Cards CARD TRANSACTIONS AND YOU. Credit Cards. A consumer education programme by:

Credit Cards CARD TRANSACTIONS AND YOU. Credit Cards. A consumer education programme by: Credit Cards CARD TRANSACTIONS AND YOU Credit Cards A consumer education programme by: CONTENTS 1 Introduction 2 What is a credit card and how it works Applying for a credit card 3 Application process

More information

FAQ Credit Card (PIN & PAY)

FAQ Credit Card (PIN & PAY) FAQ Credit Card (PIN & PAY) Communication 1. When would communication go out to customers on the implementation? We are in the midst of preparing notification/letter to Cardhoder on the implementation

More information

Get the most from a Westpac Debitplus Visa card.

Get the most from a Westpac Debitplus Visa card. Get the most from a Westpac Debitplus Visa card. Debitplus, it s the easy way to buy things using your own money. Debitplus is the convenient way to buy products and services. You simply use it to access

More information

Expect to know where you stand with your Visa Debit Card

Expect to know where you stand with your Visa Debit Card Expect to know where you stand with your Visa Debit Card VISA DEBIT CONDITIONS OF USE Acceptance of Conditions of Use 1.1 By using your Debit Card, you agree that these Conditions of Use are binding on:

More information

ANZ Credit Cards CONDITIONS OF USE

ANZ Credit Cards CONDITIONS OF USE ANZ Credit Cards CONDITIONS OF USE EFFECTIVE 5 OCTOBER 2015 ANZ Credit Cards Conditions of Use These Conditions of Use (as amended from time to time) govern the use of your ANZ Visa card, ANZ Visa Gold

More information

Expect to know where you stand with your Visa Card

Expect to know where you stand with your Visa Card Expect to know where you stand with your Visa Card CONDITIONS OF USE Acceptance of Conditions of Use 1.1 By using your Credit Card, you agree that these Conditions of Use are binding on: a) You as the

More information

Debit MasterCard Application

Debit MasterCard Application Debit MasterCard Application This application is for a Devon Bank Debit MasterCard. In order to issue a personalized, individual card to either signer of a joint account, each owner must fill out a separate

More information

AFFIN ISLAMIC Debit MasterCard -Frequently Asked Questions (FAQS) Question 1

AFFIN ISLAMIC Debit MasterCard -Frequently Asked Questions (FAQS) Question 1 Question 1 What is AFFIN ISLAMIC Debit MasterCard? AFFIN ISLAMIC Debit MasterCard is Shariah compliance card that looks similar to a credit card or ATM (Automated Teller Machine) Card, but operates like

More information

Credit Card - How your ANZ Credit Card works

Credit Card - How your ANZ Credit Card works anz.com/vietnam Item No. SPB004 DATE 01.2013 ANZ Signature Priority Banking Visa Platinum Credit Card - How your ANZ Credit Card works How your ANZ Credit Card works 01/2013 1 2 1-2 ANZ credit cards fulfil

More information

HSBC Debit Card User Guide. Restaurants Shopping Supermarkets

HSBC Debit Card User Guide. Restaurants Shopping Supermarkets HSBC Debit Card User Guide Restaurants Shopping Supermarkets HSBC Debit Cards Access your funds and pay for your purchases wherever you are Dear Customer, Welcome to the new era of the HSBC Debit Chip

More information

PRODUCT DISCLOSURE SHEET

PRODUCT DISCLOSURE SHEET PRODUCT DISCLOSURE SHEET Read this Product Disclosure Sheet before you decide to take up the PB-AIA Visa Gold Credit Card. Be sure to also read the general terms and conditions. Public Bank Berhad (6463-H)

More information

Dear Valued Cardmember,

Dear Valued Cardmember, Dear Valued Cardmember, Thank you for signing up with Plus! and giving us a chance to serve you. Plus! is a programme of financial products, services and benefits brought to you jointly by OCBC Bank and

More information

Actorcard Prepaid Visa Card Terms & Conditions

Actorcard Prepaid Visa Card Terms & Conditions Actorcard Prepaid Visa Card Terms & Conditions These Terms & Conditions apply to your Actorcard prepaid Visa debit card. Please read them carefully. In these Terms & Conditions: "Account" means the prepaid

More information

Gem Visa Conditions of Use

Gem Visa Conditions of Use Gem Visa Conditions of Use gemvisa.co.nz Disclosure Statement Financial Advisers Act 2008 The information provided in this statement is important and may assist you in selecting a financial services provider,

More information

Frequently asked questions - Visa paywave

Frequently asked questions - Visa paywave Frequently asked questions - Visa paywave What is Visa paywave? Visa paywave is a new contactless method of payment - the latest evolution in Visa payments. It is a simple, secure and quick payment method

More information

Effective 4 May 2015. Credit Cards. Terms and Conditions

Effective 4 May 2015. Credit Cards. Terms and Conditions Effective 4 May 2015 Credit Cards. Terms and Conditions For all Beyond Bank Australia Credit Cards Terms and Conditions, Information Statement and Credit Guide Contents: Important Information... 3 Terms

More information

DEPOSIT ACCOUNT AGREEMENT

DEPOSIT ACCOUNT AGREEMENT DEPOSIT ACCOUNT AGREEMENT All America Bank P.O. Box 300 Mustang, OK 73064 November 17, 2015 This disclosure contains information about terms, fees, and interest rates for some of the accounts we offer.

More information

PNC SmartAccess Card Terms and Conditions Effective August 18, 2013

PNC SmartAccess Card Terms and Conditions Effective August 18, 2013 PNC SmartAccess Card Terms and Conditions Effective August 18, 2013 Table of Contents Page Definitions 2 1. Your PNC SmartAccess Card 2 2. Fees 5 3. Loading Your Card 5 4. In Case of Errors or Questions

More information

CREDIT CARD CARDHOLDER AGREEMENT

CREDIT CARD CARDHOLDER AGREEMENT CREDIT CARD CARDHOLDER AGREEMENT (This Agreement applies to Visa Platinum, Visa Gold, Visa Classic or other cards issued by HSBC) IMPORTANT! Before you use your Card, please read this Agreement carefully.

More information

Visa Debit Card User Guide

Visa Debit Card User Guide Summit Bank Plaza: 10th Floor, Plot # 8/C-1, Mumtaz Hasan Road, Off I.I. Chundrigar Road, Karachi, Pakistan UAN: +92 21 111 124 725 Toll Free: 0800 24252 / 0800 24365 Overseas: +92 21 32463516 4585 3900

More information

Macquarie Platinum Card

Macquarie Platinum Card Macquarie Platinum Card Features and Benefits Guide macquarie.com i Welcome Your privileges 2 Your card benefits at a glance 4 Macquarie Rewards 6 Complimentary insurance 8 Shop and pay with confidence

More information

Yes, your card will expire at a given date, which is printed on the front of your card.

Yes, your card will expire at a given date, which is printed on the front of your card. What is the Debenhams Prepaid Card? Debenhams Prepaid Card works in a similar way to a pay as you go mobile phone. You top up what you need, when you need it. You top the card up with money which can be

More information

ONPOINT COMMUNITY CREDIT UNION International Prepaid Card Terms and Conditions

ONPOINT COMMUNITY CREDIT UNION International Prepaid Card Terms and Conditions ONPOINT COMMUNITY CREDIT UNION International Prepaid Card Terms and Conditions International Prepaid Card These are your International Prepaid Card Terms and Conditions. "Agreement" means these VISA Prepaid

More information

Visa Debit & Prepaid Card Access Terms and Conditions As at 1 August 2015

Visa Debit & Prepaid Card Access Terms and Conditions As at 1 August 2015 As at 1 August 2015 VISA Card Conditions of Use These Conditions of Use take effect immediately except as otherwise advised in writing and replace all VISA Debit Card Conditions of Use previously issued.

More information

Hang Seng Credit Card Benefits Directory

Hang Seng Credit Card Benefits Directory Hang Seng Credit Card Benefits Directory Content 1. Important Points to Remember Page 1 2. Customer Privileges - Hang Seng Credit Card Rewards Programme Page 2 - Online Shopping Security Page 3 - Greater

More information

User Guide for HSBC Premier Credit Card

User Guide for HSBC Premier Credit Card User Guide for HSBC Premier Credit Card Buenos Aires - Argentina 34 S Thank you for choosing HSBC Premier Credit Card! With services that include Global acceptance in over 24 million merchants, a fabulous

More information

VISA DEBIT CARD CONDITIONS OF USE

VISA DEBIT CARD CONDITIONS OF USE GOLDFIELDS MONEY LTD VISA DEBIT CARD CONDITIONS OF USE Effective: 20 May 2015 These Conditions of Use take effect on and from 20/05/2015 except as otherwise advised in writing and replace all VISA Debit

More information

T s And C s. Credit card. It s Ours. Effective 28 May 2015

T s And C s. Credit card. It s Ours. Effective 28 May 2015 T s And C s. Credit card terms Effective April and 2012 conditions Effective 28 May 2015 It s Ours. 1 What s Inside Here. Kiwibank Credit Card Terms and Conditions 2 1. Responsibility for your use and

More information

MASTERCARD PREPAID CARDHOLDER TERMS & AGREEMENT

MASTERCARD PREPAID CARDHOLDER TERMS & AGREEMENT MASTERCARD PREPAID CARDHOLDER TERMS & AGREEMENT This MasterCard Prepaid Cardholder Terms & Agreement (this agreement ) is the terms and conditions governing our issuance and your use of the First National

More information

FEDERAL BANK CASH PASSPORT FREQUENTLY ASKED QUESTIONS (FAQS)

FEDERAL BANK CASH PASSPORT FREQUENTLY ASKED QUESTIONS (FAQS) FEDERAL BANK CASH PASSPORT FREQUENTLY ASKED QUESTIONS (FAQS) 1. How does Cash Passport work? Federal Bank Cash Passport is a prepaid currency card, which can be used abroad, to withdraw local currency

More information

T s And C s. On 28 May 2015, Kiwibank will be changing its Credit Card Terms and Conditions. View the new Credit Card Terms and Conditions here

T s And C s. On 28 May 2015, Kiwibank will be changing its Credit Card Terms and Conditions. View the new Credit Card Terms and Conditions here On 28 May 2015, Kiwibank will be changing its Credit Card Terms and Conditions. View the new Credit Card Terms and Conditions here T s And C s. Credit card terms Effective April and 2012 conditions Effective

More information

Debit MasterCard. Conditions of Use. These are the conditions of use that apply to your Rabobank Debit MasterCard. You must read and retain them.

Debit MasterCard. Conditions of Use. These are the conditions of use that apply to your Rabobank Debit MasterCard. You must read and retain them. Debit MasterCard Conditions of Use These are the conditions of use that apply to your Rabobank Debit MasterCard. You must read and retain them. May 2013 Contents 1. Signing your card... 3 2. Ownership

More information

The Webster Visa Prepaid Debit Card Frequently Asked Questions

The Webster Visa Prepaid Debit Card Frequently Asked Questions Contact Us Welcome to Webster Bank. Please contact our Card Services support line at 866.242.0861 with any questions or concerns, 24/7. Thank you for being a valued Webster Customer! The Webster Visa Prepaid

More information

SAS EuroBonus. Travel Cash. Frequently Asked Questions

SAS EuroBonus. Travel Cash. Frequently Asked Questions SAS EuroBonus Travel Cash Frequently Asked Questions YOUR MOST COMMON QUESTIONS ABOUT TRAVEL CASH 5 Q. How can I request a EuroBonus member Card with Travel Cash? 5 Q. Does it cost anything to get Travel

More information

Replacement Card Fee (SVC CHG REPLACE CARD): $5.00 (applies when card is replaced for any reason)

Replacement Card Fee (SVC CHG REPLACE CARD): $5.00 (applies when card is replaced for any reason) AUDI PREPAID VISA LOYALTY CARD CARDHOLDER AGREEMENT IMPORTANT PLEASE READ CAREFULLY. THIS AGREEMENT CONTAINS AN ARBITRATION PROVISION REQUIRING ALL CLAIMS TO BE RESOLVED BY WAY OF BINDING ARBITRATION.

More information

Prepaid Card Terms and Conditions

Prepaid Card Terms and Conditions Prepaid Card Terms and Conditions These terms and conditions apply to your Prepaid Card. You must read them carefully. In these terms and conditions "you" means the named Prepaid Cardholder and the authorised

More information

About Your Gift Card

About Your Gift Card About Your Gift Card Valley National Bank Visa Gift Card Terms and Conditions This Agreement sets forth the Terms and Conditions (collectively, the Terms ) applicable to the Valley National Bank Visa Gift

More information

Frequently Asked Questions

Frequently Asked Questions Frequently Asked Questions CARD & CARD APPLICATION... 2 What is the Wizz Prepaid Travel Card?... 2 What are the requirements to get the Card?... 2 How do I apply for a Wizz Prepaid Travel Card?... 3 What

More information

Online Banking, Bill Pay, and E-Statements

Online Banking, Bill Pay, and E-Statements Online Banking, Bill Pay, and E-Statements ERROR RESOLUTION NOTICE In case of errors or questions about your electronic transfers, call or write us at the telephone number or address listed in this brochure,

More information

Definitions To simplify this Agreement for you, the following definitions will apply:

Definitions To simplify this Agreement for you, the following definitions will apply: BIG Prepaid MasterCard - Cardholder Agreement This document is the contract between you, the Cardholder and TPaay Asia Sdn Bhd (formerly known as Tune Money Sdn Bhd) ( TPaay Asia ), the Issuer of the BIG

More information

ANZ CashBack. programme guide

ANZ CashBack. programme guide ANZ CashBack programme guide CashBack rewards you for purchases you make with your CashBack card. Using your card CashBack Rewards CashBack rewards you for purchases you make with your CashBack card.

More information

Amplify Business of Conditions of Use

Amplify Business of Conditions of Use Amplify Business Conditions Credit Card of Conditions of Use Effective: 25 September November 2015 2014 This document does not contain all the terms of this agreement or all of the information we are required

More information

Hang Seng CUP Platinum Card Benefits Directory

Hang Seng CUP Platinum Card Benefits Directory Hang Seng CUP Platinum Card Benefits Directory Content 1. Important Points to Remember Page 1 2. Customer Privileges - Hang Seng CUP Credit Card Rewards Programme Page 2 - SMS Alert Service Page 4 - Greater

More information

Terms and conditions The TUI Travel Prepaid MasterCard Terms and Conditions 1. DEFINITIONS Account Account Number Agreement Available Balance Card

Terms and conditions The TUI Travel Prepaid MasterCard Terms and Conditions 1. DEFINITIONS Account Account Number Agreement Available Balance Card Terms and conditions The TUI Travel Prepaid MasterCard Terms and Conditions Please read this agreement carefully before you use your Card. This information forms the terms and conditions of your Thomson

More information

CITI REWARDS PROGRAM TERMS AND CONDITIONS

CITI REWARDS PROGRAM TERMS AND CONDITIONS CITI REWARDS PROGRAM TERMS AND CONDITIONS 1. DEFINITIONS In these terms and conditions ( Terms and Conditions ), unless the context otherwise requires; Card means the Citi Rewards, Citi Platinum Visa,

More information

Are there any special types of transactions I should know about before I shop with my ATIRAreload card?

Are there any special types of transactions I should know about before I shop with my ATIRAreload card? Frequently Asked Questions about your ATIRAreload Card How does my ATIRAreload card work? Your ATIRAreload card is a Visa prepaid card. Money available for spending is determined by the amount of money

More information

DEPOSIT ACCOUNT AGREEMENT

DEPOSIT ACCOUNT AGREEMENT DEPOSIT ACCOUNT AGREEMENT Redneck Bank, a Division of All America Bank P.O. Box 852 Mustang, OK 73064 November 17, 2015 This disclosure contains information about terms, fees, and interest rates for some

More information

Amplify Business Credit Card Conditions of Use.

Amplify Business Credit Card Conditions of Use. Amplify Business Credit Card Conditions of Use. Effective: September 2015 This document does not contain all the terms of this agreement or all of the information we are required to give you before the

More information

Vishwa Yatra Foreign Travel Card (VYFTC)

Vishwa Yatra Foreign Travel Card (VYFTC) Vishwa Yatra Foreign Travel Card (VYFTC) Eligibility Features The card can be issued to: any bonafide citizen of India who plans to travel abroad except Nepal and Bhutan. Corporates for their employees

More information

HSBC Premier Debit Card User Guide. 13 N Bangkok, Thailand

HSBC Premier Debit Card User Guide. 13 N Bangkok, Thailand HSBC Premier Debit Card User Guide 13 N Bangkok, Thailand Congratulations on receiving the HSBC Premier Debit Card for access to your HSBC account. Enjoy the convenience of shopping online, over the phone

More information

Credit Card Conditions of Use. Credit Guide.

Credit Card Conditions of Use. Credit Guide. Credit Card Conditions of Use Credit Guide. Effective Date: September 2015 This document contains the terms and conditions that apply to St.George Bank Business Visa Debit Card cardholders and to all transactions

More information

Credit Card Conditions of Use. Credit Guide.

Credit Card Conditions of Use. Credit Guide. Credit Card Conditions of Use. Credit Guide. Effective Date: 20 May 2016 This document does not contain all the terms of this agreement or all of the information we are required by law to give you before

More information

DIAMOND NAIRA VISA DEBIT CARD. Your Bank

DIAMOND NAIRA VISA DEBIT CARD. Your Bank DIAMOND NAIRA VISA DEBIT CARD Your Bank Overview The Diamond Naira Visa Debit Card is an international payment card issued by Diamond Bank in partnership with the VISA Card Association. It is denominated

More information

American Express. Credit Card Conditions, Financial Services Guide and Credit Guide. December 2010 AU027108E

American Express. Credit Card Conditions, Financial Services Guide and Credit Guide. December 2010 AU027108E American Express Credit Card Conditions, Financial Services Guide and Credit Guide December 2010 AU027108E Postal Address American Express Australia Limited Cardmember Services GPO Box 1582 Sydney NSW

More information

NAB Traveller Card User Guide Effective 20 January 2014

NAB Traveller Card User Guide Effective 20 January 2014 NAB Traveller Card User Guide Effective 20 January 2014 Welcome to the NAB Traveller Card When you re travelling, it s reassuring to know your NAB Traveller Card is packed with travel friendly features,

More information

Suncorp Bank Personal Deposit Accounts Product Information Document

Suncorp Bank Personal Deposit Accounts Product Information Document Suncorp Bank Personal Deposit Accounts Product Information Document This document contains information on Suncorp Bank Personal Deposit Accounts Kids Savings Account, Everyday Basics Account, Everyday

More information

Business Vantage Visa Credit Card. Conditions of Use. Effective Date: 20 May 2016

Business Vantage Visa Credit Card. Conditions of Use. Effective Date: 20 May 2016 Business Vantage Visa Credit Card Conditions of Use 1 Effective Date: 20 May 2016 Business Vantage Visa Conditions of Use Bank of Melbourne This document does not contain all the terms of this agreement

More information

ATB FINANCIAL BUSINESS REWARDS TERMS AND CONDITIONS

ATB FINANCIAL BUSINESS REWARDS TERMS AND CONDITIONS Effective February 8, 2016 1. REWARD PROGRAM These terms and conditions apply to the ATB Financial Business Rewards BusinessCard Program (the Program ) associated with the Card Account that allows you

More information

ASB Visa Platinum Credit Card. Conditions of Use and Travel Insurance Policy Wording.

ASB Visa Platinum Credit Card. Conditions of Use and Travel Insurance Policy Wording. ASB Visa Platinum Credit Card. Conditions of Use and Travel Insurance Policy Wording. Part 1 Credit Card Conditions of Use Section Pg 01. Definitions............................. 1 02. Your Card and PIN........................

More information

TRAVELLING SHOULDN T COST YOU THE EARTH USER GUIDE

TRAVELLING SHOULDN T COST YOU THE EARTH USER GUIDE TRAVELLING SHOULDN T COST YOU THE EARTH USER GUIDE Travelling shouldn t cost you the earth. Cash Passport Globe the smart card for savvy travellers Here you will find everything you need to know about

More information

Low Rate Visa Card Terms and Conditions

Low Rate Visa Card Terms and Conditions Low Rate Visa Card Terms and Conditions This document forms part of your credit contract and should be read with the Credit Card Contract Schedule which also forms part of your credit contract. 1 Effective

More information

ELECTRONIC FUND TRANSFERS AGREEMENT AND DISCLOSURE

ELECTRONIC FUND TRANSFERS AGREEMENT AND DISCLOSURE ELECTRONIC FUND TRANSFERS AGREEMENT AND DISCLOSURE This Electronic Fund Transfers Agreement and Disclosure is the contract which covers your and our rights and responsibilities concerning the electronic

More information

Credit Card Contract

Credit Card Contract Credit Card Contract Credit Card Booklet Cardholder enquiries & Lost and stolen cards Telephone : (679) 321 4300 Facsimile : (679) 330 3738 BSP/SecDocTemp006 Page 1 of 21 Template Issue No.3 reviewed 19032012

More information

BNZ Platinum Visa credit card. Terms and conditions.

BNZ Platinum Visa credit card. Terms and conditions. BNZ Platinum Visa credit card Terms and conditions. 1. Introduction and definitions 1.1 These Terms and Conditions are a contract between you and BNZ. They apply to the use of your Card, including where

More information

ANZ Credit Card Rewards Programme Terms and Conditions

ANZ Credit Card Rewards Programme Terms and Conditions ANZ Credit Card Rewards Programme Terms and Conditions Participation 1. The ANZ Credit Card Rewards Programme is open to Principal Cardmembers of the ANZ Signature Priority Banking Credit Card, ANZ Platinum

More information

Arab Bank Cards User Guide

Arab Bank Cards User Guide Arab Bank Cards User Guide 4600900 arabbank.jo A card to suit every lifestyle Coming to you from the largest Arab banking network, Arab Bank Cards entitle you to a host of benefits designed to offer you

More information

Terms and Conditions for HSBC Rewards Programme (April 2015 Edition) 1. HSBC Bank Malaysia Berhad (Company No. 127776 V) will be referred to as HSBC.

Terms and Conditions for HSBC Rewards Programme (April 2015 Edition) 1. HSBC Bank Malaysia Berhad (Company No. 127776 V) will be referred to as HSBC. Terms and Conditions for HSBC Rewards Programme (April 2015 Edition) 1. HSBC Bank Malaysia Berhad (Company No. 127776 V) will be referred to as HSBC. 2. This Terms & Conditions for HSBC Rewards Programme

More information

User Guide for HSBC Debit Card

User Guide for HSBC Debit Card User Guide for HSBC Debit Card Thank you for choosing HSBC Debit Card. You now have a debit card that allows you to access your funds, anywhere and anytime, with greater convenience than ever before. You

More information

DEBIT MASTERCARD APPLICATION

DEBIT MASTERCARD APPLICATION DEBIT MASTERCARD APPLICATION Hickory Point Bank s Debit MasterCard - the only card you need Our Debit MasterCard gives you a fast, economical and convenient way to purchase the products and services you

More information

Discover the benefits of being a CIBC Tim Hortons Double Double Visa * Cardholder.

Discover the benefits of being a CIBC Tim Hortons Double Double Visa * Cardholder. Discover the benefits of being a CIBC Tim Hortons Double Double Visa * Cardholder. CIBC Tim Hortons Double Double Visa Card Welcome Kit CIBC Tim Hortons Double Double Visa * Card Welcome to your CIBC Tim

More information

Which card suits you? Rewards. Program Yes. Enter your PIN & select CR. (purchases or. ATM cash out) digit card number, CVV number and often your name

Which card suits you? Rewards. Program Yes. Enter your PIN & select CR. (purchases or. ATM cash out) digit card number, CVV number and often your name cards SuMMERLAND Which card suits you? TYPE OF CARD ATM Store Purchases Contactless/ paywave Shop Online Overseas Use (purchases or ATM cash out) Visa credit Rewards Visa credit Low rate Enter your PIN

More information

How does the EMV Travel Prepaid Card work?

How does the EMV Travel Prepaid Card work? How does the EMV Travel Prepaid Card work? The EMV Travel Prepaid Card is a reloadable prepaid Visa Reloadable EMV Travel Prepaid Card, which means you can spend up to the value placed on the card anywhere

More information

Electronic Funds Transfer, Internet and Mobile Banking Agreement and Disclosure For Personal Accounts

Electronic Funds Transfer, Internet and Mobile Banking Agreement and Disclosure For Personal Accounts Electronic Funds Transfer, Internet and Mobile Banking Agreement and Disclosure For Personal Accounts First State Bank Central Texas offers the highest quality banking products and services available.

More information

VISA BUSINESS CHECK CARD MASTER AGREEMENT

VISA BUSINESS CHECK CARD MASTER AGREEMENT Vea el reverso para información en español. X617 VISA BUSINESS CHECK CARD MASTER AGREEMENT This Visa Business Check Card Master Agreement (the Agreement ) establishes the terms and conditions governing

More information

CIBC Dividend One MasterCard

CIBC Dividend One MasterCard YOUR WELCOME KIT Welcome to your CIBC Dividend One MasterCard Card YOUR BENEFITS GUIDE Benefits at a Glance Welcome to your CIBC Dividend One MasterCard Card 1 Chip-enabled CIBC Credit Card 1 CIBC Contactless

More information

CIBC Dividend Platinum

CIBC Dividend Platinum YOUR WELCOME KIT Welcome to your CIBC Dividend Platinum Card YOUR BENEFITS GUIDE Benefits at a Glance Welcome to your CIBC Dividend Platinum Card 1 Earn Rewards Faster 1 Chip-enabled CIBC Credit Card 1

More information

WORLD TRAVEL CARD TERMS & CONDITIONS

WORLD TRAVEL CARD TERMS & CONDITIONS WORLD TRAVEL CARD TERMS & CONDITIONS 1. PNB World Travel Card (hereinafter referred as the card) means the Card issued by the Punjab National Bank (hereinafter referred as the Bank), to the applicant (hereinafter

More information

Conditions of Use and Credit Guide

Conditions of Use and Credit Guide Conditions of Use and Credit Guide Important details about your Gem Visa Effective March 2014 The way to pay with 0% interest 6 reasons you ll be saying it s a gem Booklet no. Enjoy 6 months interest free

More information