Skip the trip to the banking centre and apply online

Applying for an SDS permit?

Apply online in minutes for the CIBC International Student GIC program.

Applying for a Non-SDS permit?

Open and fund a Canadian account before you arrive with CIBC Smart™ Arrival2.

Already arrived in Canada?

Earn up to $200 when you apply for a new bank account and credit card online with one quick and simple application.

Apply for a student credit card and bank account online with one quick and simple application


Get $100

CIBC Smart™ Start

Get $100 with CIBC Smart Start and earn $50 for each student you refer††.

Plus, no monthly fee4 until you turn 25.

Monthly fee4

Minimum balance to avoid monthly fee

Interac e-Transfer® transactions



Non-CIBC ATM withdrawals5

Graduating after age 25

Continue to pay no monthly fee for as long as you study full time with CIBC Smart™ for Students

 CIBC Dividend Visa card.


Get $30

CIBC Dividend® Visa* Card for Students

Get up to 10% cash back for the first 4 statements on total purchases of up to $1,000.

Plus, 2% cash back on eligible groceries and 1% on eligible gas, electric vehicle charging, transportation and recurring payments.6, 7

Annual fee

Purchase interest rate8

Cash interest rate8, 9

non-Quebec residents

Quebec residents

International students can apply online

Explore more credit cards for international students

Special offer

Refer a student and you can both earn $50

Get $100 with CIBC Smart™ Start and Earn up to $500 every year◊◊.

Are you new to Canada and not an international student?
Discover more Newcomer Banking Offers

Get more deals and discounts

Student banking offers

Discover our best deals and discounts, created for students just like you.

Student Life Network

Join for free to get a chance to win $35,000, and unlock many other member benefits.

Send money for free

Send money internationally with no transfer fee with CIBC Global Money Transfer.


Get a free SPC+ membership as a CIBC student or youth client. Save on everyday purchases and get 450+ discounts of up to 30%.

Get advice for studying in Canada

As you plan your move to Canada, we have the answers you need when it comes to budgeting, financial aid, housing, and more.

Studying in Canada: A list of essentials for international students

We've come up with a list of essentials to help make your journey as smooth as possible.

 Read article (7 minutes)

How to apply to college and university in Canada

Find out what you need to do when you’re ready to apply to college and university in Canada.

 Read article (3 minutes)

A Guide to coming to Canada from India

Don’t miss the important things for your move. Check out this guide to help you prepare for your journey.

 Read article (23 minutes)

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