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Use this debit card for all your day-to-day banking and to securely pay for purchases directly from your CIBC bank account. With this debit card, you can shop in Canada as you always have with INTERAC®1 Debit and INTERAC Flash®1. Plus, with this card you can shop at stores in the U.S. and internationally where Visa is accepted as well as online, over the phone or by mail at participating retailers that accept Visa Debit.
The Advantage Debit Card is not a credit card; it's a DEBIT card, which means that you can pay for purchases worldwide using your own money withdrawn directly from your CIBC bank account.
The CIBC Advantage Debit Card is accepted at all Canadian stores where INTERAC Debit and/or INTERAC Flash is accepted.When shopping at stores in Canada, tell the cashier that you are paying by INTERAC®1. For smaller everyday purchases, you can look for merchant terminals with the INTERAC Flash logo and tap and hold your card. Otherwise, insert or swipe your card and enter your PIN to authorize the transaction.
Tip: If a cashier tells you that your card has been declined, check to make sure they processed the purchase as DEBIT.
The CIBC Advantage Debit Card is accepted by most U.S. and international online, telephone and mail order retailers that accept Visa1 cards. Just select "Visa" or "Visa Debit" as the card type and/or "Credit" as the payment method and follow the prompts to provide your card details.
Currently, CIBC Advantage Debit Card acceptance in Canada for online, telephone and mail order purchases is limited to participating retailers and this list continues to grow.
The CIBC Advantage Debit Card is accepted at stores in the U.S. (using the Visa and Interlink networks) and around the world where Visa cards1 are accepted.
Follow these simple steps when shopping with your CIBC Advantage Debit Card in person at stores outside Canada (U.S. and around the world)2:
Follow these simple steps when shopping with your CIBC Advantage Debit Card online, by phone or by mail:
Important: When you use your CIBC Advantage Debit Card to conduct Advance Payment transactions, including reserving goods and/or services such as hotel reservations or car rentals, funds for payment of that transaction may be debited immediately from your account by the merchant. You are, in effect, making an advance payment for a service to be used in the future, so the funds will be debited from your account at the time you make the reservation. Because the amount you pay to book the reservation upfront or at check-in (i.e. a deposit) may be different from the final purchase amount, you may wish to make the reservation with a credit card until you know what the final payment amount will be, at which time you may use your CIBC Advantage Debit Card to pay for the transaction directly from your account.
We encourage you to select or change your PIN to something known only to you and that's easy for you to remember. For added security, change your PIN from time to time.
How do I change my PIN?
Use the CIBC Advantage Debit Card to make purchases around the world in person, online, by phone or mail with the added security and protection benefits of:
Chip technology - enhances an already secure payment system and is recognized around the world as a standard of safety and security
Active fraud monitoring - helps protect your money by detecting possible fraudulent transactions
Plus get additional security and protection features for transactions made through the Visa network:
Verified by Visa: This free global authentication service makes shopping online at participating retailers more secure by providing an additional layer of protection.
Visa's Zero Liability Policy: Should someone steal your card, your card number, or other card details, you will not be held responsible for fraudulent purchases processed through the Visa network as long as you meet your obligations3.
For more information about your and CIBC's responsibility and liability, refer to the CIBC Cardholder Banking Service Agreement.
1 Visa Debit transactions are any transactions which can be done online/by phone/by mail at participating retailers or at stores in the U.S. and internationally wherever Visa is accepted.
2 If you use your CIBC Advantage Debit Card to purchase goods and/or services outside of Canada, a converted Canadian dollar amount will be debited from your account, based on the same conversion rate CIBC is required to pay, plus an administration fee of 2.5%of the converted amount. This is in addition to any transaction fees applicable to the debit purchase. The conversion rate applied to purchase refunds and other credits may be different from the conversion rate applied to the original purchase. The administration fee will also apply to purchase refunds and credits.
3 The Visa Zero Liability Policy does not apply to ABM transactions or to PIN transactions not processed through the Visa network. You must comply with the CIBC Cardholder Banking Service Agreement including safeguarding your card, your card details and PIN.
® Registered trademark of CIBC
TM1 Visa Int./lic. User.
®1 INTERAC and INTERAC Flash are trademarks of INTERAC Inc.; CIBC authorized user of marks.
Products and their features may change at any time.
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