CIBC Advantage Debit Card®

Use this debit card for all your day-to-day banking and to securely pay for purchases directly from your CIBC bank account.

Want more value from your debit card? Shop and save money with rewards programs. Enjoy the convenience and security of Interac^® Debit contactless payment in-store in Canada. Plus, you can use your card online, in-app or when you travel at participating retailers Opens in a new window. that accept Visa* Debit.

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Worldwide purchase acceptance

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Card is not a credit card; it's a debit card, which means that you can pay for purchases worldwide using your own money withdrawn directly from your CIBC bank account.

Save money with rewards and discounts

Save up to 10 cents per litre on gas

Link and use your CIBC card with Journie Rewards to save on gas at participating Pioneer, Fas Gas, Ultramar and Chevron locations.

Learn more about Journie Rewards

Get money back at popular retailers

Start getting money back on your everyday purchases at top retailers with CIBC and Paymi.

Learn more about Paymi

Student deals and discounts with SPC+ and CIBC

Put away money for tuition and books by saving on everyday purchases. Get a free SPC+ membership as a CIBC student or youth client.

Learn more about SPC+

How to use your CIBC Advantage Debit Card

Shopping at stores or tapping to pay for transit

The CIBC Advantage Debit Card is accepted at all Canadian stores where Interac Debit and Interac debit contactless payment is accepted. You can tap your debit card or mobile wallet for purchases up to $250 per transaction at participating stores in Canada.

When shopping at stores in Canada, tell the cashier that you are paying by Interac¹. For smaller everyday purchases, you can look for merchant terminals with the Interac contactless logo and tap and hold your card. Otherwise, insert 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 "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 retailersOpens a new window in your browser. and this list continues to grow.

Tapping to pay for transit

You can use your CIBC Advantage Debit Card — physical card or in Apple Pay, Samsung Pay or Google Pay mobile wallets — to make a contactless payment for your fare at participating transit fare devices that accept Interac Debit contactless payment. Not all transit systems allow you to make a contactless payment and some transit systems work differently than others.

Learn more about making contactless payments for transit fare. Opens in a new window.

Shopping outside Canada (U.S. and around the world)

The CIBC Advantage Debit Card is accepted at stores and service providers 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:

Tell the cashier that you are paying by Visa. This means that the cashier will process the transaction through the global Visa network. Even though this may seem like a credit card transaction, rest assured, it is still a debit transaction and money will be withdrawn directly from your account.
Insert or Swipe: Where the merchant’s terminal is chip-enabled, your debit card will be inserted into the terminal, chip end first, and left there for the duration of the transaction. Until chip technology is widespread, not all retailers and service providers will have chip-enabled terminals. Those that are not equipped with these terminals will require you to swipe your card.
Sign or enter your PIN to authorize the transaction.

Shopping online, by phone or by mail

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 retailersOpens a new window in your browser. and this list continues to grow.

Follow these simple steps when shopping with your CIBC Advantage Debit Card online, by phone or by mail:

Choose Visa or Visa Debit as the card type.
Provide your card number and expiry date located on your CIBC Advantage Debit Card.
As an additional security measure, some online retailers may require the three-digit security code on the back of your card.
Important: The three-digit security code is not your PIN. Never disclose your PIN to anyone.
At times, you may be asked for the cardholder name as shown on the front of the card.
Tip: If your card does not have a name on the front, use your legal first and last name.
Provide your billing address and other information as required.
Obtain payment information.

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.

Setting pre-authorized payments

Changing your PIN

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? Opens in a pop up window

Security and protection

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:

Visa Secure: This free global authentication service makes shopping online at participating retailers and service providers 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, read Convenience and security for your everyday banking (PDF, 1.3 MB) Opens in a new window.