1 You will receive a welcome bonus of: (a) 15,000 Aventura Points for the CIBC Aventura Visa Infinite Card and CIBC Aventura Gold Visa Card, (b) 5,000 Aventura Points for the CIBC Aventura Visa Card, (c) 25,000 Aeroplan Miles for the CIBC Aerogold Visa Infinite Privilege Card, (d) 15,000 Aeroplan Miles for the CIBC Aerogold Visa Infinite Card , or (e) 5,000 Aeroplan Miles for the CIBC Aero Platinum Visa Card, after you make your first purchase at any time with your card. The following do not qualify as purchases: cash advances, interest, fees, balance transfers, payments, Convenience Cheques or Aventura Point redemptions. It may take up to several business days for purchases to be posted to your account. Bonus points or miles will be awarded to the primary cardholder on the first monthly statement after the qualifying purchase(s) are posted to the account. Card account must be open and in good standing at the time the Aventura Points or Aeroplan Miles are awarded. Offer applies to newly approved card accounts only; transfers from an existing CIBC credit card to a CIBC Aventura Visa Infinite Card, CIBC Aventura Gold Visa Card, CIBC Aventura Visa Card, CIBC Aerogold Visa Infinite Privilege Card, CIBC Aerogold Visa Infinite Card and CIBC Aero Platinum Visa Card are excluded. Offer and bonus points or bonus miles are non-transferable. Offer may be revoked if you appear to be manipulating or abusing it, or are engaged in any suspicious or fraudulent activity, as determined by CIBC in its sole discretion. Offer may be withdrawn or changed without notice at any time.
2 Interest rates will change from time to time on at least 30 days prior notice to primary cardholders. "Cash" means cash advances, balance transfers and convenience cheques.
3 Flight availability at this Aventura Point level depends on ticket prices set by airlines. Flights at this Aventura Point level will not be available to all destinations from all departure points and times.
4 Aventura Points are earned on card purchases less returns, and not on cash advances, interest, fees, balance transfers, payments, regular CIBC Convenience Cheques or Aventura Points redemptions. Aventura Rewards and Program Terms may change without notice. Taxes, fees and surcharges may apply to Rewards. Aventura Points earned on purchases during a monthly statement period may not be credited to you if your card is not in good standing at any time during the monthly statement period.
5 Earn 1.5 Aventura Points per dollar charged on purchases (excluding returns) at merchants classified in the credit card network as grocery stores, service stations/automated gas dispensers or drug stores. This bonus Aventura Points offer is only available on the first $80,000 in net annual card purchases on your account (meaning all card purchases by all cardholders, at any type of merchant); after that, net card purchases at grocery, drug store and gas merchants will earn Aventura Points at the regular rate. The $80,000 limit will reset to zero after the day your December statement is printed. Terms, conditions and eligible merchant categories may change without notice.
6 Bonus (double) Aventura Points are earned on each dollar charged to the card on CIBC Rewards Centre travel purchases other than taxes, insurance, service charges or similar items. Aventura Points are not earned on travel obtained by redeeming Aventura Points.
7 The number of Bonus Aventura Points that you may earn is at the sole discretion of the participating CIBC Bonus Rewards partner and may only be earned when you use your card for payment. The CIBC Bonus Rewards Benefit cannot be combined with other promotional offers. CIBC Bonus Rewards terms, conditions and participating merchants may change without notice. For full details and important information regarding the CIBC Bonus Rewards Benefit, please visit www.cibcbonusrewards.com.
8 Insurance coverage(s) included with CIBC credit cards are underwritten by Royal & Sun Alliance Insurance Company of Canada (RSA). Different cards will have different coverage(s). To learn about which coverage(s) are included with a specific card, and important information regarding coverage eligibility requirements, benefits, limitations and exclusions, see cibc.com/ca/credit-card/agreements-insurance.html and the insurance certificate(s) in your card package. Some insurance coverage(s) require purchase(s), auto rentals, common carrier fares, hotel/motel and other trip costs to be charged to the card to activate coverage. Other conditions may also apply. Auto Rental Collision/Loss Damage Insurance (CLDI) is available for automobile rentals of up to 48 days. The full cost of the rental must be charged to the card and the rental agency’s Collision Damage Waiver (CDW) or Loss Damage Waiver (LDW) must be declined. CLDI provides coverage up to the actual cash value (ACV) of the rental vehicle as defined in your insurance certificate. Note that some rental agencies may assess their damages at an amount greater than the ACV of the rental vehicle and you may be liable to them for the difference. Before declining the rental agency's CDW or LDW, you should read carefully and compare the terms of the rental agreement, the CLDI insurance certificate in your card package and any other insurance you own to decide which coverage best meets your protection needs. Out-of-Province Emergency Travel Medical Insurance (TMI) covers the primary cardholder, their spouse and dependent children for the first 15 days of a trip if the primary cardholder and covered person is age 64 and under*; For the CIBC Aventura Visa Infinite Card and the CIBC Aerogold Infinite Visa Card: TMI also covers the first 3 days of a trip if the covered person is age 65 or older*; For the CIBC Aerogold® Visa Infinite Privilege* Card: TMI covers the primary cardholder, their spouse and dependent children for the first 31 days of a trip if the covered person is age 64 or under*, or for the first 10 days of a trip if the covered person is age 65 or older*; *For all TMI coverages Dependent children must be age 20 or under or a full-time student age 24 or under, unless they have a permanent physical or mental deficiency; TMI may not cover medical procedures performed without pre-approval. TMI, Trip Cancellation and Trip Interruption Insurance may not cover certain pre-existing health/medical conditions. Certain RSA coverages are “excess insurance” (all other sources of insurance and recovery must be exhausted before coverage is available). For more information, call RSA toll-free at 1-866-363-3338 in Canada, continental U.S and Hawaii or collect from elsewhere at 905-403-3338.
9 The CIBC Visa Infinite Travel Concierge Service is operated by an independent travel service agency, Merit Travel Group Inc. Registration Numbers: ON.50010422/4499356, BC.34799, QC.7002238.
10 Discounts are determined by the participating rental agency and apply to time and kilometre/mileage charges only.
11 When you're ready to redeem, you can visit aeroplan.com or call 1-800-361-5373; you can reward yourself with flights, vacation packages, car rentals, hotel stays, activities, merchandise & gift cards.
12 Aeroplan Miles are earned on card purchases less returns, and not on cash advances, interest, fees, balance transfers, payments or Convenience Cheques. Taxes, landing and departure fees and other charges may apply to Aeroplan reward travel. Aeroplan Partners, rules and regulations are subject to change without notice. Aeroplan Miles will be awarded only if your CIBC Aerogold Visa Infinite Privilege Account is in good standing on each monthly statement date (otherwise, Aeroplan Miles earned in the monthly statement period are cancelled); also, if your Visa account is not in good standing, Aeroplan Miles may not be awarded.
13 Earn 1.5 Aeroplan Miles on purchases (excluding returns) at merchants that are classified in the Visa network as grocery stores, service stations/automated gas dispensers or drug stores, Air Canada or aircanada.com excluding Air Canada Vacation packages. This bonus Aeroplan Miles offer is only available on the first $100,000 in net annual card purchases on your account (meaning all card purchases by all cardholders, at any type of merchant); after that, net card purchases at these merchants will earn Aeroplan Miles at the regular rate. The $100,000 limit will reset to zero after the day your December statement is printed. Terms, conditions and eligible merchant categories may change at any time without notice.
14 The number of bonus Aeroplan Miles that you may earn is at the sole discretion of the participating CIBC Bonus Rewards partner and may only be earned when you use your card for payment. The CIBC Bonus Rewards Benefit cannot be combined with other promotional offers. CIBC Bonus Rewards terms, conditions and participating merchants may change without notice. For full details and important information regarding the CIBC Bonus Rewards Benefit, please visit http://www.cibcbonusrewards.com.
15 The primary cardholder may use priority check-in, where available, whenever traveling on any flight operated by Air Canada, Air Canada Express or Air Canada rouge. Benefit only applies when the primary cardholder includes their Aeroplan number on their reservation at the time of booking or if the primary cardholder has booked an Aeroplan flight reward by redeeming the miles from their Aeroplan account. Companions travelling in the same reservation may use priority check-in, so long as they are accompanied by the primary cardholder. You may be required to show your CIBC Visa Infinite Privilege Card to the Air Canada airport agent in order to receive this benefit. Primary cardholders will be eligible for this benefit two weeks after activating their CIBC Aerogold Visa Infinite Privilege Card. Visit cibc.com/aircanadabenefits for additional details.
16 The primary cardholder may use the priority boarding lane, where available, whenever travelling on any flight operated by Air Canada, Air Canada Express or Air Canada rouge. Benefit only applies when the primary cardholder includes their Aeroplan number on their reservation at time of booking or if the primary cardholder has booked an Aeroplan flight reward by redeeming the miles from their Aeroplan account. Companions traveling in the same reservation may use the priority boarding lane, so long as they are accompanied by the primary cardholder. You may be required to show your CIBC Visa Infinite Privilege Card to the Air Canada airport agent in order to receive this benefit. Primary cardholders will be eligible for this benefit two weeks after activating their CIBC Aerogold Visa Infinite Privilege card. Visit cibc.com/aircanadabenefits for additional details.
17 The primary cardholder will receive one complimentary checked bag, up to 23kg (50lbs) whenever travelling on any flight operated by Air Canada, Air Canada Express or Air Canada rouge. Benefit only applies when the primary cardholder includes their Aeroplan number on their reservation at time of booking or if the primary cardholder has booked an Aeroplan flight reward by redeeming the miles from their Aeroplan account. Benefit does not apply to any companion travellers, including companions traveling in the same reservation as the primary cardholder. Service charges for additional/oversized/overweight baggage may also apply. Benefit does not apply when checking in with any airline other than Air Canada, including when connecting to an Air Canada flight. You may be required to show your CIBC Visa Infinite Privilege Card to the Air Canada airport agent in order to receive this benefit. Primary cardholder will be eligible for this benefit two weeks after activating their CIBC Aerogold Visa Infinite Privilege Card. Visit cibc.com/aircanadabenefits for additional details.
18 Airport Benefits & Services. Visa Infinite Privilege Airport benefits and services are subject to availability and participating airports' terms and conditions. Montreal: Dedicated VIP security fast lane is available at International, Domestic and Trans-border checkpoint. Vancouver: Dedicated VIP security fast lane is available at International, Domestic and Trans-border checkpoints.
19 Visa Global Airport Lounge Access. Cardholders must enroll for this benefit through the Visa Infinite Privilege website or through the Visa Infinite Privilege Concierge. Global airport lounge membership is subject to approval by the global lounge provider and is not guaranteed. Membership includes access to any airport lounge participating in the global lounge provider's program. To access a lounge, cardholder must show a valid membership card and an airline ticket for travel on the same day for the cardholder and each of his/her guests. At their sole discretion, participating lounges may restrict entry of persons under 21 years old. Six lounge visits are complimentary per calendar year for the enrolled cardholder and their guests. All additional visits are subject to a fee of $27 US per person per visit. Applicable lounge access charges will be billed to the Visa Infinite Privilege card connected to cardholder's enrollment. Enrolled cardholders are subject to Conditions of Use for the global lounge membership program and the individual lounge operators' terms of use for the participating lounges visited. For complete terms and conditions and a directory of participating lounge locations, please visit www.visainfinite.ca/privilege.
20 Visa Infinite Luxury Hotel Collection. For full program terms and conditions and to view the Luxury Hotel Collection portfolio, please visit http://www.visaluxuryhotelcollection.com. Guests must use their Visa Infinite Privilege card to reserve and pay for their stay at a Luxury Hotel Collection property through the Visa exclusive web portal to enjoy the automatic benefits.
21 The primary cardholder will receive one Maple Leaf Lounge One-Time Guest Pass each year. The primary cardholder may access the Maple Leaf Lounge, where available, upon presentation of the Guest Pass and a valid, same-day boarding pass for travel with your Aeroplan flight reward on all flights operated by Air Canada, Air Canada Express or Air Canada rouge. Each Guest Pass applies for a single entry by one person only. Subject to space availability and at Air Canada’s sole discretion, companion travellers may access the Maple Leaf Lounge upon payment of the fees outlined at www.aircanada.com/lounge. The primary cardholder may give their Guest Pass to other companions travelling on their Aeroplan flight reward operated by Air Canada, Air Canada Express or Air Canada rouge if they do not wish to use it themselves. Each Maple Leaf Lounge One-Time Guest Pass has an expiry date.
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