◊◊ NO PURCHASE NECESSARY. Open January 1, 2019 to December 31, 2019 to legal residents of Canada who are sixteen (16) years of age or older and are current students of an accredited Canadian university, college or secondary school. Grand prize of $35,000 CAD. Odds of winning depend on number of eligible entries received. Math skill test required. Refer to Student Life Network for contest detailsOpens a new window in your browser. Read full contest rules (PDF, 60 KB) .
† Referral offer may change or end at any time without notice. Must be a Canadian entity/resident with a Canadian bank account in order to be eligible. Referral fee will be deposited into your Canadian bank account within 14 business days once the student’s account is activated. Other conditions apply. Learn more at CIBC ISBO Referral Program Terms and Conditions (PDF, 595 KB) .Opens a new window in your browser.
‡ Offer begins on May 1, 2019 at 12:01 a.m. (ET) and ends on September 30, 2019 at 11:59 p.m. (ET). Offer only open to Canadian residents who are not holders or joint holders of a CIBC chequing account. To qualify, open a CIBC Smart™ Account for students and provide a valid email address. Next, within one calendar month, you must: (i) register for and sign on to CIBC Online Banking or CIBC Mobile Banking; and (ii) complete at least five (5) eligible debit transactions from the CIBC Smart Account for students. Offer cannot be combined with any other offer, reward or rebate. The cash reward will be deposited into your CIBC Smart Account for students within 10-12 weeks of your completion of the required transactions. Other conditions apply. Visit a CIBC Banking Centre or visit cibc.com/smart-student.
To receive student account benefits, just show us your current student card and a copy of documentation verifying your enrolment in a full-time post-secondary program (college, university or CEGEP). These benefits are in effect for up to a maximum of 4 years from your program enrolment date (based on expected graduation date or length of the program, plus six additional months after graduation). After this, you must re-apply with proof of continued enrolment.
A transaction includes everyday banking transactions such as cheques, withdrawals, transfers, pre-authorized payments, bill payments (including CIBC Credit Cards and CIBC Personal Lines of Credit) and debit purchases. Additional fee(s) apply to withdrawals from non-CIBC bank machines, wire transfers and foreign currency transactions (including cheques written in currencies other than the account currency).
†† To be eligible for a free SPC membership, you must hold an eligible CIBC product at the time you register for the membership, which you must do through CIBC online or mobile banking. Eligible CIBC products include a CIBC Youth or Student bank account, Student credit card or Student line of credit. A complete list of eligible CIBC products can be found at SPC and CIBC. Joint account holders of eligible CIBC products are not eligible for membership. You must also be a legal resident of Canada who is fourteen (14) years of age or over, but under the age of thirty (30) years if the eligible CIBC product you use to qualify for the membership is a student line of credit. The membership will automatically renew and remain in effect for as long as you hold an eligible CIBC product.
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1 A transaction includes cheques, withdrawals, transfers, pre-authorized payments, bill payments and debit purchases. Additional fee(s) apply to withdrawals from non-CIBC bank machines and foreign currency transactions (including cheques written in currencies other than the account currency).
2 You are eligible for the additional spend-based bonus of 2,500 Aventura Points if you are not a current CIBC cardholder. If you are a current CIBC cardholder, we may approve your application but you will not be eligible for the additional spend based bonus of 2,500 Aventura Points.
You must apply and be approved for a new eligible card between November 1, 2018 and February 28, 2019 to qualify for this offer.
If you apply and are approved for a new card, you will receive:
i. Up to 2,500 bonus Aventura Points for completing the below activities within 60 days of your CIBC Aventura® Visa* account approval. The following activities are worth 500 Aventura Points each: 1. Share your email address with CIBC; 2. Sign up for eStatements for your new Aventura Visa card; 3. Add an authorized user on your new Aventura Visa card; 4. Hold any eligible CIBC Chequing Account; and 5. Add your Aventura Visa card with Apple Pay®, Samsung Pay or Google Pay™. It may take up to two statement cycles for the bonus Aventura Points to appear on your credit card statement after each of the above activities have been completed. You can provide us with your email address and sign up for eStatements through CIBC Online Banking, by visiting a branch or calling 1-800-465-4653. This offer is applicable to the first authorized user added only. Your authorized users will be issued the additional card(s) automatically when we get your request, as long as your credit card account is: a) still in good standing at that time, and b) your request does not exceed a total of 3 authorized users (counting any existing authorized users you may already have). Authorized users under the age of 13 can only be added by calling CIBC at 1-800-465-4653. You must hold any of the following CIBC Chequing accounts: CIBC Everyday® Chequing Account, CIBC Smart™ Account, CIBC PremierService® Account, CIBC US$ Personal Account, CIBC Personal Chequing Account, CIBC EverydayPlus® Chequing Account, CIBC Waive Account®, CIBC MenuPlus® – Maximize Interest Account, CIBC Chequing Savings Account. If you already have an existing eligible CIBC Chequing account or shared your email address with CIBC, you will be qualified to receive the 500 Aventura Points each. If you do not have an eligible account you may apply online or by calling 1-866-525-8622. To learn more about the mobile payment options, visit cibc.com.
ii. An additional bonus of 2,500 Aventura Points for the CIBC Aventura Visa Card, if you have at least $500 in net purchases posted to your account during the first 4 monthly statement periods. The following do not qualify as purchases: cash advances, balance transfers and CIBC Convenience Cheques. It may take up to several business days for purchases to be posted to your account. Aventura Points are awarded to you within 8 weeks after all qualifying purchase(s) are posted to your account. Card account must be open and in good standing at the time the Aventura Points are awarded.
Offer applies to newly approved card accounts only; transfers from an existing CIBC credit card to a CIBC Aventura Visa Card are excluded. This offer is not transferable. This offer may be withdrawn or changed without prior notice at any time. This 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.
3 Applicants must meet all CIBC lending criteria. Certain conditions and restrictions apply. Credit limit determined by CIBC, in its sole discretion. Qualified guarantor may be required. Products and their features may change at any time. This is a general description only. For more information and product terms and conditions, consult product brochures or call 1-866-525-8622.
4 The CIBC free credit score service is a feature in the CIBC Mobile Banking App which allows CIBC clients to subscribe to get their credit score from Equifax Canada. The Equifax credit score is based on Equifax’s proprietary model and may not be the same score used by third parties or by CIBC in certain instances to access your creditworthiness. The provision of this score to you is intended for your own educational use. Third parties and CIBC will take into consideration other information in addition to a credit score when evaluating your creditworthiness.
You should always obtain the most updated credit information and scores from Equifax Canada to ensure accuracy before making a major financial decision.
5 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 other charges 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.