1 This offer cannot be combined with any other offer and applies to new, approved CIBC Aerogold Visa/Aerogold Visa Infinite primary cardholders only; it may not apply if you convert your existing CIBC credit card, or if your existing CIBC credit card is converted into this Card. Bonus Aeroplan Miles are awarded after the first purchase is made with the card only if your Visa account is still open on the statement print date (if it is not, offer is void). Offer may be changed or withdrawn at any time.
2 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 included insurance(s), and important information regarding coverage eligibility requirements, benefits, limitations and exclusions, see www.cibc.com/ca/credit-card/agreements-insurance.html and the insurance certificate(s) in your card package. Some insurance(s) require purchases, auto rentals, common carrier fares and other trip costs to be charged to the card to activate coverage (other conditions may also apply). Out-of-Province Emergency Travel Medical Insurance is for the first 15 days of a trip; primary cardholder must be age 64 or under; if they are, then their spouse also may be insured if age 64 or under, and dependent children; this insurance does not cover certain pre-existing medical conditions that existed prior to your effective date of coverage. Certain RSA coverages are “excess insurance” (all other sources of insurance and recovery must be exhausted before benefits are 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.
3 Annual fees are posted to the account if/when the application is approved and the card is issued, whether the card is activated or not, and annually thereafter. For information about other Card fees, select “Apply Now” and the “Interest Rate and Fee Information” link on that page (you do not have to apply in order to view this information).
4 Annual Interest Rate - Cash is 21.50% until the first day of the period covered by your November 2012 monthly statement. The annual 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.
5 The 50% more offer applies only to CIBC Aerogold Visa Infinite Card and CIBC Aerogold Visa Card purchases (less returns) at merchants which are classified in the Visa network as grocery stores, service stations/automated gas dispensers or drug stores. Some merchants may sell gas, grocery or drug store products/services, or are separate merchants who are located on gas, grocery, or drug store premises, but are classified in another manner, in which case this added benefit would not apply. Any returns or other credits for Card purchases at grocery, gas or drug stores will be deducted from your Aeroplan Account at the rate of 1.5 Aeroplan Miles per dollar. Bonus miles offer is only available on the first $80,000 in net annual Card purchases on your Card 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 $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 Aeroplan Miles are earned on card purchases less returns, and not on cash advances, regular Convenience Cheques, fees, interest, Balance Transfers or payments. All terms and conditions of the Aeroplan Program apply. In addition, Aeroplan Miles may not be credited if your Visa account is not in Good Standing or (Aerogold Visa accounts only) is overlimit; also, if your Visa account is not in Good Standing, previously credited Aeroplan Miles may be removed from your Aeroplan Account. Taxes, landing and departure fees and other charges and surcharges may apply to Aeroplan reward travel. Aeroplan partners, rules and regulations are subject to change without notice and may be found at www.aeroplan.com
7 Aeroplan ClassicPlus Flight®rewards offer you access to any available seat in Economy Class, Executive Class and Executive First Class on Air Canada and Air Canada Express Flights; additional Miles may be required. See www.aeroplan.com for details.
8 Aeroplan rules require at least one accumulation or redemption transaction every 12 months in an Aeroplan account or the Aeroplan Miles will expire. CIBC has ensured that this doesn't happen to the one Aeroplan account which is connected to a CIBC Aerogold Visa, Aerogold Visa Infinite, Aerogold Visa Card for Business or Aero Classic Visa Account and which receives all Aeroplan Miles earned by all cardholders on that Visa/Visa Infinite Account, provided the Account is in good standing. However: Aeroplan Miles will expire unless redeemed within 7 years from when they were earned (or on Dec. 31, 2013, for Miles earned before 2007). See www.aeroplan.com for details.
9 Additional purchasing power over your credit limit does not mean unlimited spending. Each transaction is assessed on various factors including your payment history and spending patterns so as to determine your additional purchasing power over your credit limit, if any. Since you must repay any amount over your credit limit by your payment due date, your borrowing capacity is not increased and remains at your credit limit.
10 The CIBC Visa Infinite Travel Concierge Service is operated by an independent travel service agency, Merit Travel Group Inc. Registration Numbers: ON. #50010422, BC #33127/34799/34798 and Quebec #7002238.
11 The CIBC Bonus Rewards apply only if the Card is used for payment at participating establishments. Some restrictions may apply. Please
visit www.cibcbonusrewards.com for full terms and conditions. CIBC Bonus Rewards cannot be combined with other promotional offers and may not be valid with certain discounts and offers. Terms, conditions and participating merchants may change without notice. This program is operated by Advantex Marketing International Inc.
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