BENEFITS GUIDE. RBC Shoppers Optimum MasterCard. Earn Shoppers Optimum Points Everywhere.

Save this PDF as:
 WORD  PNG  TXT  JPG

Size: px
Start display at page:

Download "BENEFITS GUIDE. RBC Shoppers Optimum MasterCard. Earn Shoppers Optimum Points Everywhere."

Transcription

1 BENEFITS GUIDE RBC Shoppers Optimum MasterCard Earn Shoppers Optimum Points Everywhere.

2 Shop anywhere. Earn everywhere. Thank you for choosing the RBC Shoppers Optimum MasterCard. It gives you the purchasing power, flexibility and security you expect in a credit card, plus the ability to earn Shoppers Optimum Points every time you make a purchase using your card. All with NO annual fee. Quick Card Overview Shoppers Optimum Points Earned At Shoppers Drug Mart 15 points for every $1 in purchases using your card Everywhere Else 5 points for every $1 in purchases using your card Annual Fee $0 Insurance Coverage Additional Benefits n Purchase Security insurance 1 n Extended Warranty insurance 1 n Zero Liability protection against unauthorized use of your card n Chip & PIN technology for enhanced security n MasterCard PayPass pay with a simple tap of your card DON T FORGET! Important steps for new cardholders: 1. Activate your card at rbc.com/activate. 2. View your Benefits Guide online at shoppersdrugmart.ca/rbccreditcardinfo. If you have any questions about your card, please call us at ROYAL 1-2 ( ).

3 Earning Shoppers Optimum Points is easy. When you use your RBC Shoppers Optimum MasterCard at Shopper Drug Mart stores, you can earn up to 15 Shoppers Optimum Points for every $1 in eligible purchases.** Use your credit card every day, for all kinds of purchases including pre-authorized bill payments, 15,000 Shoppers and you can earn points on Optimum Bonus practically all your shopping. Points with your first purchase* 15 Shoppers Optimum Points for every $1 in purchases using your RBC Shoppers Optimum MasterCard at Shoppers Drug Mart stores plus 10 additional points for every $1 in eligible purchases if you also use your Shoppers Optimum Card.** TM Transportation Groceries 5 Shoppers Optimum Points for every $1 in purchases using your RBC Shoppers Optimum MasterCard everywhere else. Restaurants Shopping

4 Redeeming Shoppers Optimum Points is easier. Each month, the Shoppers Optimum Points you earn using your RBC Shoppers Optimum MasterCard will appear on your credit card statement. Plus, you can track your points total any time at optimum. Then decide what you want to redeem your points ~ for: n Dream large. Save your Shoppers Optimum Points for bigger items from elegant fragrances to video game consoles. n Get it now! Use your Shoppers Optimum Points towards your purchase at checkout as soon as you reach the minimum Shoppers Optimum Points requirement. It s like getting cash for your purchases! Best of all, you can redeem your Shoppers Optimum Points instantly. Just tell the Shoppers Drug Mart cashier it s that easy!

5 Security and Protection Purchase Security and Extended Warranty Insurance 1 Purchases made with your RBC Shoppers Optimum MasterCard are automatically protected against loss, theft or damage for up to 90 days from the date of purchase. The coverage also doubles the manufacturer s original Canadian warranty for up to one extra year. Please keep your receipts in the event you need to make a claim, and refer to the Certificate of Insurance for complete details regarding this coverage. Zero Liability Protection against unauthorized use of your card in person or online is absolutely essential. Zero Liability protects you from fraudulent charges, provided you have taken reasonable precautions to protect your PIN and your card, as set out in your RBC Royal Bank Credit Card Agreement. Chip & PIN security The state-of-the-art chip & PIN technology embedded in your RBC Shoppers Optimum MasterCard helps protect you against counterfeiting and fraud and makes an already safe payment system even more secure. Tap and Go with PayPass When speed is essential, MasterCard PayPass is like having exact change wherever you go. A simple tap of your card is all it takes to pay at the checkout.

6 Get more with additional cardholders Add a co-applicant or authorized user(s) to your account and enjoy the following benefits: n Earn Shoppers Optimum Points faster by consolidating all your spending with one account. n All cardholders are protected by the same insurance coverages. n Choose to assign pre-set credit limits to each authorized user ideal for cardholders who want to give family members limited access to funds in case of an emergency. n See transactions by card number on one monthly statement. Call us at or visit your nearest RBC Royal Bank branch to add a co-applicant or authorized user(s) today. Enjoy all the advantages of your credit card n Worldwide acceptance n Access to cash advances n Credit card cheques n Commission-free travellers cheques n Time-saving autopayment service n RBC Royal Bank Online Banking n estatements n Emergency card replacement For a complete description of all your RBC Shoppers Optimum MasterCard benefits, please visit us online at shoppersdrugmart.ca/rbccreditcardinfo.

7 Arrange pre-authorized payments the easy way with CustomSwitch The RBC CustomSwitch service helps you notify merchants of any updated card information or about transferring existing pre-authorized payments to your RBC Shoppers Optimum MasterCard. All at no additional cost. Plus, you ll earn Shoppers Optimum Points on all your pre-authorized bill payments. To set up CustomSwitch or for more information: n Go to OR n Call the CustomSwitch hotline: / Trademark(s) of Royal Bank of Canada. RBC and Royal Bank are registered trademarks of Royal Bank of Canada. Shoppers Drug Mart, Shoppers Optimum and Shoppers Optimum Points are registered trademarks of Alberta Ltd., used under licence. All other trademarks are the property of their respective owner(s). If you are not currently a member of the Shoppers Optimum Program ( Member ), you will be enrolled automatically once you are approved for the RBC Shoppers Optimum MasterCard. Thereafter, you will earn i) 15 Shoppers/Pharmaprix Optimum Points for every $1 (CDN) in net purchases made with your credit card at any Shoppers Drug Mart/Pharmaprix store location ( SDM Location ), excluding Shoppers Home Health Care, Shoppers Simply Pharmacy, Pharmaprix Simplement Santé, Murale and Murale.ca and those made at Canada Post outlets located within any SDM Location, and ii) 5 Shoppers/ Pharmaprix Optimum Points ( Points ) for every $1 (CDN) in net purchases made with your credit card everywhere else (including pre-authorized bill payments and net purchases made at Canada Post outlets located within any SDM Location), provided your credit card account and Shoppers Optimum Program ( Program ) membership are in good standing. Only one Member can be associated with a credit card account, which means that Points earned by all cardholders on the credit card account will be credited to the primary s Shoppers Optimum account, even if the co-applicant and/or authorized user(s) are also Members. Points are not earned on Cash Advances (i.e. RBC Royal Bank credit card cheques, balance transfers, cash-like transactions and bill payments that are not pre-authorized charges that you set up with a merchant), interest charges, fees or unauthorized transactions. Credits for returns and adjustments will reduce or cancel the Points earned by the amounts originally charged. Other conditions and restrictions apply. For complete details, visit All terms, conditions and restrictions applicable to the Program are established solely by Shoppers Drug Mart Inc. and govern your participation in the Program. They are available at 1 Coverage underwritten by RBC General Insurance Company in the Province of Quebec and by RBC Insurance Company of Canada in the rest of Canada. All insurance is subject to limitations and conditions. You will receive a Certificate of Insurance with complete details regarding the insurance coverage on your RBC Shoppers/Pharmaprix MasterCard. Cash advances, including cash withdrawals from an ATM and credit card cheques, can be made up to your available credit and daily limits. There is no interest-free period for cash advances, which means that interest is charged from the day the cash advance is made until we receive your payment for the total amount you owe. Cash advance fees may apply depending on the type of cash advance. Please refer to your RBC Royal Bank Credit Card Agreement for more details. The co-applicant is fully responsible, with you, for all amounts owing on the account, including for transactions made by authorized users, if any. ~ All redemptions of Shoppers Optimum Points must be made through Shoppers Drug Mart ( SDM ) in accordance with the terms and conditions of the Shoppers Optimum Program. All terms, conditions and restrictions applicable to the Shoppers Optimum Program are established by Shoppers Drug Mart ( SDM ) and are available at SDM, not Royal Bank of Canada, is responsible for the Shoppers Optimum Program. * The bonus Shoppers Optimum Points will appear on your first monthly statement, but it will take up to two (2) business days following the end of your monthly statement period before they get credited to your Shoppers Optimum account. Additional cardholders are not eligible for this welcome bonus offer. ** The Shoppers Optimum Points earned with the Shoppers Optimum Card are separate from those earned with the RBC Shoppers Optimum MasterCard and are exclusively governed by the Shoppers Optimum Program terms and conditions. Any RBC Shoppers Optimum MasterCard cardholder who is also a member of the Shoppers Optimum Program can earn 10 Shoppers/Pharmaprix Optimum Points for every $1 (CDN) in eligible net purchases at Shoppers Drug Mart/Pharmaprix store locations, provided they pay with their RBC Shoppers Optimum MasterCard and present their valid Shoppers Optimum Card when paying. The Shoppers Optimum Points will be credited directly to the Shoppers Optimum account of the cardholder. For complete Shoppers Optimum Program terms and conditions, including eligible purchases and exclusions, visit

8 Important information RBC Royal Bank Customer Service Card inquiries and information In Canada/U.S.: ROYAL 1-2 ( ) Outside Canada/U.S., call collect: Lost or stolen cards, 24 hours/7 days In Canada/U.S.: ROYAL 1-2 ( ) International: (Access code) 800 ROYAL (Access code) ( ) Collect: If you prefer not to have telephone access to your account information, please call ROYAL 1-2 ( ) to disable this service. Shoppers Optimum Program Tel: SHOPPERS For all of your important credit card numbers in a convenient wallet-sized card, please visit VPS (06/2014)

RBC Royal Bank Visa Business. A Better Way To Do Business

RBC Royal Bank Visa Business. A Better Way To Do Business RBC Royal Bank Visa Business A Better Way To Do Business Expense Management Has Never Been Easier Welcome to the RBC Royal Bank Visa Business card a convenient, flexible way to manage expenses. You can

More information

BENEFITS GUIDE. RBC Cash Back MasterCard. Earn cash back fast

BENEFITS GUIDE. RBC Cash Back MasterCard. Earn cash back fast BENEFITS GUIDE RBC Cash Back MasterCard Earn cash back fast No annual fee. No complications. Just cash back. Thank you for choosing the RBC Cash Back MasterCard. It gives you the purchasing power, flexibility

More information

The best of both worlds Low interest and convenience.

The best of both worlds Low interest and convenience. Benefits Guide RBC Royal Bank Visa * Classic Low Rate Option The best of both worlds Low interest and convenience. SAVINGS CONVENIENCE FLEXIBILITY Welcome to RBC Royal Bank Visa Classic Low Rate Option

More information

A rewarding experience just for you.

A rewarding experience just for you. BENEFITS GUIDE Signature RBC Rewards Visa card A rewarding experience just for you. Great rewards start with your Signature. Thank you for choosing the Signature RBC Rewards Visa card. Now you can enjoy

More information

Feel secure, no matter where you are.

Feel secure, no matter where you are. BENEFITS GUIDE RBC Rewards Visa Preferred Feel secure, no matter where you are. Enjoy a world of rewards and travel protection. RBC Rewards Visa Preferred offers you the flexibility and security of comprehensive

More information

Lower Interest Rate. Higher Savings.

Lower Interest Rate. Higher Savings. BENEFITS GUIDE RBC RateAdvantage Visa card Lower Interest Rate. Higher Savings. The RBC RateAdvantage Visa card. The smart choice to save you more. With a low variable annual interest rate, your RBC RateAdvantage

More information

The RBC Cathay Pacific Visa Platinum card

The RBC Cathay Pacific Visa Platinum card BENEFITS GUIDE The RBC Cathay Pacific Visa Platinum card Your journey begins here A card packed with privileges Activate your RBC Cathay Pacific Visa Platinum card today to enjoy these exclusive benefits:

More information

RBC Royal Bank Visa Business Platinum Avion. A world of travel rewards. And more.

RBC Royal Bank Visa Business Platinum Avion. A world of travel rewards. And more. RBC Royal Bank Visa Business Platinum Avion A world of travel rewards. And more. A world of travel rewards. And more. 3 Expense management has never been easier or more rewarding Welcome to RBC Royal Bank

More information

YOUR BENEFITS GUIDE. Welcome to your. CIBC Dividend Card

YOUR BENEFITS GUIDE. Welcome to your. CIBC Dividend Card YOUR BENEFITS GUIDE Welcome to your CIBC Dividend Card Welcome to your CIBC Dividend Card. And a completely different credit card experience. Your new CIBC Dividend Card comes with our promise to help

More information

CIBC PETRO-POINTS MasterCard

CIBC PETRO-POINTS MasterCard YOUR WELCOME KIT Welcome to your CIBC PETRO-POINTS MasterCard Card YOUR BENEFITS GUIDE Benefits at a Glance Welcome to your CIBC PETRO-POINTS MasterCard Card 1 Instant Fuel Savings and Great Rewards 1

More information

Discover the benefits of your new RBC Rewards Visa * Classic card

Discover the benefits of your new RBC Rewards Visa * Classic card Discover the benefits of your new RBC Rewards Visa * Classic card Choice, flexibility and free rewards they re yours with the RBC Rewards Visa Classic card. Welcome to RBC Royal Bank s premiere no-fee

More information

YOUR BENEFITS GUIDE. Welcome to your. CIBC Platinum Visa card

YOUR BENEFITS GUIDE. Welcome to your. CIBC Platinum Visa card YOUR BENEFITS GUIDE Welcome to your CIBC Platinum Visa card Welcome to your CIBC Platinum Visa card. And a completely different credit card experience. Your new CIBC Platinum Visa card comes with our promise

More information

55 Day Platinum Visa Card. enjoy the. platinum. experience. the in-crowd Proudly supported by Westpac

55 Day Platinum Visa Card. enjoy the. platinum. experience. the in-crowd Proudly supported by Westpac 55 Day Platinum Visa Card enjoy the platinum experience the in-crowd Proudly supported by Westpac Welcome to 55 Day Platinum Thank you for choosing the 55 Day Platinum Visa Card. In addition to the CardShield

More information

YOUR BENEFITS GUIDE. Welcome to your. CIBC Classic Visa. Card

YOUR BENEFITS GUIDE. Welcome to your. CIBC Classic Visa. Card YOUR BENEFITS GUIDE Welcome to your CIBC Classic Visa Card Welcome to your CIBC Classic Visa Card. And a completely different credit card experience. Your new CIBC Classic Visa Card comes with our promise

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

The card that makes perfect business sense.

The card that makes perfect business sense. Benefits Guide RBC Royal Bank Visa* CreditLine for Small Business TM The card that makes perfect business sense. BUSINESS Convenience ACCESS REWARDS Welcome to RBC Royal Bank Visa* CreditLine for Small

More information

RBC Cash Back Program Terms and Conditions

RBC Cash Back Program Terms and Conditions RBC Cash Back Program Terms and Conditions (09/2014) 1. What the Words Mean I, me and my mean (i) the Personal Applicant for a Personal Account, and (ii) any Business Cardholder on a Business Account;

More information

BENEFITS GUIDE. RBC Royal Bank Visa Platinum Avion. Welcome to a world of travel rewards AVION

BENEFITS GUIDE. RBC Royal Bank Visa Platinum Avion. Welcome to a world of travel rewards AVION BENEFITS GUIDE RBC Royal Bank Visa Platinum Avion Welcome to a world of travel rewards AVION Enjoy a world of rewards. Reward yourself Your new RBC Royal Bank Visa Platinum Avion card offers an unparalleled

More information

Welcome to your CIBC Dividend Visa * Card

Welcome to your CIBC Dividend Visa * Card Welcome to your CIBC Dividend Visa * Card Turn your everyday spending into cash back rewards Get 2% cash back on all grocery purchases 1 Get started with your new cash back card 1. Activate your card Activate

More information

BENEFITS GUIDE. BMO Prepaid Travel. MasterCard. Your travel payment card

BENEFITS GUIDE. BMO Prepaid Travel. MasterCard. Your travel payment card BENEFITS GUIDE BMO Prepaid Travel * MasterCard Your travel payment card WELCOME! GET READY TO USE YOUR CARD WITH COMPLETE PEACE OF MIND. You ve just received your new BMO Prepaid Travel MasterCard the

More information

BENEFITS GUIDE. RBC Visa Infinite Avion. Reach new heights with the RBC Visa Infinite Avion card. AVION

BENEFITS GUIDE. RBC Visa Infinite Avion. Reach new heights with the RBC Visa Infinite Avion card. AVION BENEFITS GUIDE RBC Visa Infinite Avion Reach new heights with the RBC Visa Infinite Avion card. AVION Welcome to a whole new world of privilege. We ve taken the Avion card above and beyond Congratulations

More information

Benefits Guide. BMO CashBack MasterCard * Turn everyday purchases into cash rewards.

Benefits Guide. BMO CashBack MasterCard * Turn everyday purchases into cash rewards. Benefits Guide BMO CashBack MasterCard * Turn everyday purchases into cash rewards. Welcome Earn more CashBack every day, everywhere, with your new BMO CashBack MasterCard. Your card includes a number

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

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

Benefits Guide BMO CashBack World Elite * MasterCard * Welcome.

Benefits Guide BMO CashBack World Elite * MasterCard * Welcome. Benefits Guide BMO CashBack World Elite * MasterCard * Welcome. Table of contents Upgrade your story today Getting started Your card at a glance Take things up a notch Additional options Everyday services

More information

Planning a trip? We have you covered, from travel insurance to managing your money.

Planning a trip? We have you covered, from travel insurance to managing your money. Planning a trip? We have you covered, from travel insurance to managing your money. Getting ready for a trip? It s an exciting time with so much to look forward to and so much to prepare for. Getting ready

More information

A card built to put your money to work. Welcome to your Citi Dividend World Elite TM MasterCard.

A card built to put your money to work. Welcome to your Citi Dividend World Elite TM MasterCard. WELCOME Citi Dividend World Elite tm MasterCard Cash Back. Security. Convenience. SMART A card built to put your money to work. Welcome to your Citi Dividend World Elite TM MasterCard. Here s how it works:

More information

CIBC U.S. Dollar Visa

CIBC U.S. Dollar Visa YOUR BENEFITS GUIDE Welcome to your CIBC U.S. Dollar Visa Card Welcome to your CIBC U.S. Dollar Visa Card. And a completely different credit card experience. Your new CIBC U.S. Dollar Visa Card comes with

More information

Asset Advantage Account

Asset Advantage Account Asset Advantage Account A Guide To The Features Of Your Account Your Contacts If you have any questions about your investments, transactions or the status or features of your account, please contact your

More information

Yellow Brick Road Empower Platinum Card

Yellow Brick Road Empower Platinum Card Yellow Brick Road Empower Platinum Card Features and Benefits Welcome Contents Using and managing your card 2 Rewards 4 Security 6 Your MasterCard Benefits 8 Terms and Conditions 11 Welcome to your new

More information

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

Benefits Guide. BMO AIR MILES World Elite * MasterCard * card. Welcome. Benefits Guide BMO AIR MILES World Elite * MasterCard * card Welcome. Table of contents Upgrade your story today Getting started Your card at a glance Take things up a notch Additional options Everyday

More information

Benefits Guide. BMO CashBack World MasterCard * Turn everyday purchases into CashBack faster.

Benefits Guide. BMO CashBack World MasterCard * Turn everyday purchases into CashBack faster. Benefits Guide BMO CashBack World MasterCard * Turn everyday purchases into CashBack faster. Welcome Earn more CashBack, every day, everywhere, with your new BMO CashBack World MasterCard. Your card includes

More information

Advice. Support. Savings. Rewards.

Advice. Support. Savings. Rewards. Advice. Support. Savings. Rewards. RBC Group Advantage Program The RBC Group Advantage program gives you what you need to get the most out of your everyday banking, with advice, support, savings and rewards

More information

CIBC TELUS Rewards Visa * Card

CIBC TELUS Rewards Visa * Card YOUR BENEFITS GUIDE Welcome to your CIBC TELUS Rewards Visa * Card YOUR BENEFITS GUIDE BENEFITS AT A GLANCE Thank You for Choosing the CIBC TELUS Rewards Visa Card 1 How to Earn 2 How to Redeem 2 Go Paperless

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

CIBC Dividend Unlimited World MasterCard Card

CIBC Dividend Unlimited World MasterCard Card YOUR WELCOME KIT Welcome to your CIBC Dividend Unlimited World MasterCard Card YOUR BENEFITS GUIDE Benefits at a Glance Welcome to your CIBC Dividend Unlimited World MasterCard Card 1 Earn Rewards Faster

More information

Savour all the benefits and rewards of your President s Choice Financial MasterCard

Savour all the benefits and rewards of your President s Choice Financial MasterCard B E N E F I T S G U I D E Savour all the benefits and rewards of your President s Choice Financial MasterCard Welcome! You ve chosen the credit card that gives you outstanding value just what you d expect

More information

Bank Easy Card. Benefits. Adding Funds

Bank Easy Card. Benefits. Adding Funds Bank Easy Card Enjoy the unrivaled purchasing power of MasterCard with a prepaid, reloadable CharterBank Bank Easy Card. It's the smart way to manage and protect your money. Apply in minutes no minimum

More information

your guide to your new BOQ Credit Card

your guide to your new BOQ Credit Card your guide to your new BOQ Credit Card Contents A card that you will love 1 Getting started 2 Flexible banking at your fingertips 3 Platinum Visa card 4 Blue Visa card 6 Low Rate Visa card 7 BOQ Rewards

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

CIBC Platinum MasterCard

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

More information

Service fee and account changes

Service fee and account changes Service fee and account changes Personal, business and credit card accounts Effective June 1, 2015 Important information about your RBC Royal Bank account(s) At RBC Royal Bank we are committed to providing

More information

Get the double power of cashback and reward points on fuel purchases.

Get the double power of cashback and reward points on fuel purchases. ICICI Bank HPCL Credit Card Get the double power of cashback and reward points on fuel purchases. Please click on a section title to go to the respective page WELCOME ON BOARD...03 KEY BENEFITS...05» SAVINGS

More information

A card built to put your money to work. Welcome to your Citi Dividend World MasterCard.

A card built to put your money to work. Welcome to your Citi Dividend World MasterCard. WELCOME Citi Dividend World MasterCard Cash Back. Security. Convenience. SMART A card built to put your money to work. Welcome to your Citi Dividend World MasterCard. Here s how it works: Earn at least

More information

ICICI BANK PLATINUM CHIP CREDIT CARD

ICICI BANK PLATINUM CHIP CREDIT CARD ICICI BANK PLATINUM CHIP CREDIT CARD MEMBERSHIP GUID GUIDE INDEX Please click on a section title to go to the respective page WELCOME ON BOARD...02 ENJOY A WORLD OF BENEFITS... 03» EARN REWARDS EVERYTIME

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

U.S. BANK FOCUS CARD. Frequently Asked Questions. The Focus Card. What is the Focus Card? How does the Focus Card work?

U.S. BANK FOCUS CARD. Frequently Asked Questions. The Focus Card. What is the Focus Card? How does the Focus Card work? Frequently Asked Questions What is the Focus Card? The Focus Card is a reloadable, prepaid debit card issued by U.S. Bank. It provides an electronic option for receiving your pay. It is not a credit card,

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

User Guide for HSBC Premier Debit Card

User Guide for HSBC Premier Debit Card User Guide for 28 N HCMC, Vietnam Thank you for choosing HSBC Premier Visa Debit Card! As a Premier cardholder, not only can you access your money from anywhere in the world, but you'll also enjoy special

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

YOUR BENEFITS GUIDE: BMO SPC AIR MILES MasterCard * BMO SPC CashBack MasterCard. Rewards. Discounts. Security

YOUR BENEFITS GUIDE: BMO SPC AIR MILES MasterCard * BMO SPC CashBack MasterCard. Rewards. Discounts. Security YOUR BENEFITS GUIDE: BMO SPC AIR MILES MasterCard * BMO SPC CashBack MasterCard Rewards Discounts Security Your new BMO SPC AIR MILES MasterCard * or your new BMO SPC CashBack MasterCard gives you double

More information

BMO Rewards World EliteTM * * MasterCard. Experience true travel freedom. Questions

BMO Rewards World EliteTM * * MasterCard. Experience true travel freedom. Questions Cut out the card below and keep it handy in case you need to reach us. BMO MASTERCARD CONTACT INFORMATION Questions 1-866-991-4769 Lost or Stolen Cards/ Emergency Card Services 1-800-361-3361 514-877-0330

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

Apple Pay FREQUENTLY ASKED QUESTIONS

Apple Pay FREQUENTLY ASKED QUESTIONS Apple Pay FREQUENTLY ASKED QUESTIONS At Park Bank, we want to make it easy and secure for you to use your credit card to make payments in stores and online. That s why we re pleased to offer Apple Pay

More information

RBC Royal Bank Disclosures and Agreements. Personal Deposit Accounts

RBC Royal Bank Disclosures and Agreements. Personal Deposit Accounts RBC Royal Bank Disclosures and Agreements related to Personal Deposit Accounts effective June 1, 2015 Table of Contents INTRODUCTION 2 A. DISCLOSURES Terms You Need to Know 3 1. Your Account Options 5

More information

Planning Your Finances While Studying Abroad

Planning Your Finances While Studying Abroad usbank.com/student financialgenius.usbank.com Course objectives learn about: Preparing for Your Trip Understanding Different Payment Options Answers to Common Questions Planning Your Finances While Studying

More information

RBC Group Advantage. Banking at work for you.

RBC Group Advantage. Banking at work for you. RBC Group Advantage Banking at work for you. Advice. Support. Savings. Rewards. That s what sets RBC Group Advantage apart. Financial stress affects most of us at various times in our lives. RBC Group

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

TD Cash Back TM MasterCard. Cardholder Agreement and Benefit Coverages Guide

TD Cash Back TM MasterCard. Cardholder Agreement and Benefit Coverages Guide TD Cash Back TM MasterCard Cardholder Agreement and Benefit Coverages Guide The TD Cash Back MasterCard Cardholder Agreement and Benefit Coverages Guide This document includes: TD Cash Back MasterCard

More information

INDEX. Please click on a section title to go to the respective page WELCOME ON BOARD... 04

INDEX. Please click on a section title to go to the respective page WELCOME ON BOARD... 04 INDEX Please click on a section title to go to the respective page WELCOME ON BOARD... 04 KEY BENEFITS... 05» SAVINGS ON FUEL PURCHASES... 08» EARN FUEL WITH PAYBACK POINTS...08» EXPERIENCE ENTERTAINMENT...

More information

Benefits Guide. RBC Royal Bank Visa * Platinum Avion. Welcome to a world of travel rewards. AVION

Benefits Guide. RBC Royal Bank Visa * Platinum Avion. Welcome to a world of travel rewards. AVION Benefits Guide RBC Royal Bank Visa * Platinum Avion Welcome to a world of travel rewards. AVION REWARDS PRESTIGE EXCLUSIVITY Enjoy a world of rewards. Welcome to RBC Royal Bank Visa Platinum Avion 3 Reward

More information

MasterCard Special Edition

MasterCard Special Edition 2015 An Empower Federal Credit Union publication. MasterCard Special Edition Important details about our MasterCard conversion. Message From The President John Wakefield President/CEO Why MasterCard? For

More information

Protect your credit. Guard your identity. BENEFITS GUIDE

Protect your credit. Guard your identity. BENEFITS GUIDE Protect your credit. Guard your identity. BENEFITS GUIDE Welcome to the Identity Watch Program Congratulations! You have taken an important step in safeguarding your identity from the impact of theft.

More information

Credit Cards. Credit Cards. boq.com.au

Credit Cards. Credit Cards. boq.com.au Credit Cards Credit Cards 1300 55 7 7 boq.com.au Citigroup Pty Limited ABN 88 004 35 080, AFSL 38098, Australian Credit Licence No. 38098 (Citigroup) is the credit provider and issuer of BOQ Credit Cards

More information

CIBC Aero Classic Visa * Card

CIBC Aero Classic Visa * Card Your Benefits Guide Welcome to your CIBC Aero Classic Visa * Card Benefits at a Glance YOUR PREMIUM PASSPORT TO REWARD TRAVEL Welcome to your CIBC Aero Classic Visa Card 1 Earn Rewards Faster 2 Insurance

More information

CIBC Driver s Edge World MasterCard

CIBC Driver s Edge World MasterCard YOUR WELCOME KIT Welcome to your CIBC Driver s Edge World MasterCard Card YOUR BENEFITS GUIDE Benefits at a Glance Welcome to your CIBC Driver s Edge World MasterCard Card 1 CIBC Driver s Edge Rebates

More information

Essential Information. NAB Business Payments Card.

Essential Information. NAB Business Payments Card. Essential Information. NAB Business Payments Card. Contents Your NAB Business Payments Card Facility 3 How your card works 4 Your Facility Billing Account 4 Individual cards 5 Primary Cardholders 5 Other

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

u.s. bank focus card Frequently Asked Questions The Focus Card What is the Focus Card? How does the Focus Card work?

u.s. bank focus card Frequently Asked Questions The Focus Card What is the Focus Card? How does the Focus Card work? Frequently Asked Questions What is the Focus Card? The Focus Card is a reloadable, prepaid debit card issued by U.S. Bank. It provides an electronic option for receiving your pay. It is not a credit card,

More information

YOUR GUIDE TO THE WAREHOUSE REWARDS MASTERCARD

YOUR GUIDE TO THE WAREHOUSE REWARDS MASTERCARD YOUR GUIDE TO THE WAREHOUSE REWARDS MASTERCARD your card As soon as your Rewards MasterCard arrives make sure you sign it straight away. If you applied online you ll also need to activate your card by

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

HUDSON S BAY CREDIT ACCOUNT AGREEMENT

HUDSON S BAY CREDIT ACCOUNT AGREEMENT HUDSON S BAY CREDIT ACCOUNT AGREEMENT Initial Disclosure Statement Summary of Key Terms as of January 16, 2015 Annual Interest Rates (Continued) Hudson s Bay Credit Card Purchase Rate: 29.9% Cash Advance

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

Altitude Business Gold Visa Card. spend on your business, reward yourself. movers & shakers Proudly supported by Westpac

Altitude Business Gold Visa Card. spend on your business, reward yourself. movers & shakers Proudly supported by Westpac Altitude Business Gold Visa Card spend on your business, reward yourself movers & shakers Proudly supported by Westpac Welcome to a great way to earn rewards Now that your Altitude Business Gold Credit

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

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

PRACTICAL MONEY GUIDES DEBIT CARD BASICS. What you need to know about using your debit card

PRACTICAL MONEY GUIDES DEBIT CARD BASICS. What you need to know about using your debit card PRACTICAL MONEY GUIDES DEBIT CARD BASICS What you need to know about using your debit card MONEY IN THE BANK If credit cards mean pay later, debit cards mean pay now. These cards are issued by your bank,

More information

ING credit cards Cardholder guide

ING credit cards Cardholder guide ING credit cards Cardholder guide 1 Welcome We are pleased to welcome you as an ING credit card holder. This guide describes the numerous benefits of your ING credit card. ING Visa Classic, ING Visa Gold*,

More information

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

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

More information

ICICI Bank. Credit Card MEMBERSHIP GUIDE

ICICI Bank. Credit Card MEMBERSHIP GUIDE ICICI Bank Credit Card MEMBERSHIP GUIDE WELCOME ABOARD...03 FEES & PRIVILEGES...04 EXPERIENCE ENTERTAINMENT...05 CULINARY TREATS... 06 AIRPORT LOUNGE ACCESS...07 REWARDS POWERED BY PAYBACK... 08 NETWORK

More information

BMO MasterCard * for Business B E N E F I T S G U I D E

BMO MasterCard * for Business B E N E F I T S G U I D E BMO MasterCard * for Business B E N E F I T S G U I D E Thank you for choosing BMO MasterCard for Business, your new business purchasing and expense management tool. It will help to make your accounting

More information

important changes to your Altitude Qantas Rewards terms and conditions

important changes to your Altitude Qantas Rewards terms and conditions important changes to your Westpac Altitude Qantas Rewards terms and conditions Effective 17 June 2013 Effective from 17 June 2013, we will be introducing some changes to Altitude Qantas Rewards Program.

More information

Westpac Credit Cards. Credit cards

Westpac Credit Cards. Credit cards Westpac Credit Cards Credit cards As at 15 November 2013 You can buy the things you need now and pay off your card in a flexible way later. Contents 4 What do you get with a Westpac credit card? 6 Which

More information

RBC Canadian Dividend Fund-Linked GIC TM

RBC Canadian Dividend Fund-Linked GIC TM Investing > RBC Market Access GICs RBC Canadian Dividend Fund-Linked GIC TM Participate in the returns of one of Canada s top dividend mutual funds along with 100% principal protection The RBC Canadian

More information

Changes to your Bank of Queensland Credit Card

Changes to your Bank of Queensland Credit Card Changes to your Bank of Queensland Credit Card Contents Page Change of name 3 Interest Repayments 3 Fees and charges 4 Rewards 5 Additional benefits and protections 7 Account features and access 7 Additional

More information

Unemployment Insurance U.S. Bank ReliaCard. Frequently Asked Questions. What is the ReliaCard and How Does It Work?

Unemployment Insurance U.S. Bank ReliaCard. Frequently Asked Questions. What is the ReliaCard and How Does It Work? Unemployment Insurance U.S. Bank ReliaCard What is the ReliaCard and How Does It Work? What is the ReliaCard? The ReliaCard is a reloadable, prepaid card issued by U.S. Bank. The ReliaCard is an electronic

More information

Credit Cards. Megan Stearns, Credit Counselor

Credit Cards. Megan Stearns, Credit Counselor Credit Cards Megan Stearns, Credit Counselor Agenda What is a credit card? Types of credit cards Shopping for a credit card Advantages and disadvantages Using credit cards wisely Fraud What is a credit

More information

Benefits Guide. BMO SPC CashBack MasterCard * Turn everyday purchases into CashBack.

Benefits Guide. BMO SPC CashBack MasterCard * Turn everyday purchases into CashBack. Benefits Guide BMO SPC CashBack MasterCard * Turn everyday purchases into CashBack. Welcome Earn more CashBack every day, everywhere, with your new BMO SPC CashBack MasterCard. Your card includes a number

More information

Over $1,700 in total value and savings! TABIA Business and Personal Banking Program

Over $1,700 in total value and savings! TABIA Business and Personal Banking Program Over $1,700 in total value and savings! TABIA Business and Personal Banking Program July 27, 2012 Program Overview RBC Royal Bank is pleased to provide TABIA members with a special banking program for

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

1. About Some of the Words in this Agreement 2. Account and Cards

1. About Some of the Words in this Agreement 2. Account and Cards B M O M A S T E R C A R D * F O R B U S I N E S S A C C O U N T A G R E E M E N T In this Agreement, the Customer means the business shown on a BMO MasterCard for Business application (the Application

More information

Is the Harris MasterCard Gift Card a credit card? No, the Harris MasterCard Gift Card is a prepaid MasterCard.

Is the Harris MasterCard Gift Card a credit card? No, the Harris MasterCard Gift Card is a prepaid MasterCard. Harris MasterCard Gift Card Frequently Asked Questions About Your Harris MasterCard Gift Card What is a Harris MasterCard Gift Card? The Harris MasterCard Gift Card is a prepaid MasterCard that can be

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

CASH REWARDS COLLABRIA CASH BACK CARD C33014

CASH REWARDS COLLABRIA CASH BACK CARD C33014 CASH REWARDS COLLABRIA CASH BACK CARD C33014 Cash Rewards COLLABRIA CASH BACK CARD By using your Collabria Cash Back Card, you agree to the following terms and conditions which form part of the Collabria

More information

AmaZing Cash FAQs. About the Program

AmaZing Cash FAQs. About the Program AmaZing Cash FAQs About the Program 1. How does the AmaZing Cash program work? The AmaZing Cash program comes automatically with the AmaZing Cash Credit Card and the AmaZing Cash Signature Card. You earn

More information

Account Selection MAde easy

Account Selection MAde easy Account Selection Made Easy Money Management Tools First Nations Bank of Canada offers you a range of helpful tools to make managing your money easier. Recordkeeping Free Paperless Record Keeping Track

More information

HSBC Premier World Rewards Program Terms & Conditions

HSBC Premier World Rewards Program Terms & Conditions HSBC Premier World Rewards Program Terms & Conditions The HSBC Premier World Rewards Program (the Program ) allows participants with an HSBC Premier World MasterCard to earn Points which can be redeemed

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

Cardholder Frequently Asked Questions

Cardholder Frequently Asked Questions Skip to Content Cardholder Frequently Asked Questions Close this browser window to return to session. TOTALPAY Card by ADP FAQs CARD BASICS 1. Is my TOTALPAY Card ready to use when I receive it? 2. When

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