YOUR BENEFITS GUIDE
Welcome to your
CIBC Aerogold
®
Visa Infinite
*
Card
Benefits at a Glance
YOUR PREMIUM PASSPORT TO REWARD TRAVEL
Welcome to your CIBC Aerogold Visa Infinite Card 1
More Ways to Earn Rewards Faster 2
Air Canada Benefits 3
Exclusive Benefits 4
Discover the Distinction Program 7
Easy Reward Redemption 9
Insurance and Travel Benefits 9
Out-of-Province Emergency Travel Medical Insurance 9
Flight Delay and Baggage Insurance 10
Trip Cancellation/Trip Interruption Insurance 10
Purchase Security & Extended Protection Insurance 11
Auto Rental Collison/Loss Damage Insurance 12
Common Carrier Accident Insurance 12
Financial Benefits 12
Visa payWave
*
12
Chip-enabled CIBC Credit Card 13
Free Personalized Convenience Cheques 13
Commission-Free Regular American Express Travellers Cheques
®
13
eStatement 14
Auto Pay Service 14
Access to Cash Advances 14
Card Replacement and up to $5,000 in Emergency Cash Advances 14
Stress Free Financial Management 15
CIBC Creditsmart
®
Features 15
Additional Cards 15
Authorized User Spending Limits 16
1
WELCOME TO YOUR CIBC AEROGOLD
VISA INFINITE CARD.
Your new CIBC Aerogold Visa Innite Card comes with our promise to help you get the
very most out of your credit card.
The CIBC Aerogold Visa Innite Card is part of an elite category of Visa credit cards that
combines exceptional benets with fast rewards accumulation and higher purchasing
power. You can earn Aeroplan
®
Miles whenever you make a purchase with your card.
Redeem your Aeroplan Miles for an exciting selection of travel, dining, and entertainment
options. Plus, benet from Travel Medical Insurance, Travel Concierge Service and a
whole new level of exceptional benets available to CIBC Visa Innite cardholders.
How you use all your new card features and benets is totally up to you. But one thing is
certain. It’s a credit card on your terms.
®
Please take a moment to read through this guide and learn more about everything your
new card has to offer you. We think you’ll be impressed – and even more condent that
you’ve made the right choice. Enjoy.
MORE WAYS TO EARN REWARDS FASTER.
We want to get you closer to your dream travel destination. That’s why the CIBC
Aerogold Visa Innite Card has several ways to help you earn more Aeroplan Miles.
• Earn 1 Aeroplan Mile for every $1 spent using your card
1
• With our Mileage Multiplier
®
feature, watch the Miles add up even faster
o Earn 1.5 Aeroplan Miles for every $1 spent at gas stations, grocery, drug stores
and aircanada.com purchases (excluding Air Canada
®
Vacation packages)
2
• When you use your card at participating CIBC Bonus Rewards merchants:
3
o Earn 2 Aeroplan Miles for every $1 spent when you dine, shop or play at
hundreds of CIBC Bonus Rewards merchants across Canada
o Earn 3 Aeroplan Miles for every $1 spent at selected leading restaurants
across Canada
o For more information and to access a complete listing of participating
CIBC Bonus Rewards merchants, visit www.cibcbonusrewards.com
• Earn Miles twice when you pay with your CIBC Aerogold Visa Innite Card and show
your Aeroplan Membership Card at over 150 Aeroplan partners and 100 online
retailers and when you y with Air Canada and its Star Alliance partners. Earning twice
helps you be rewarded sooner.
4
AEROPLAN MILES WILL NOT EXPIRE
5
Aeroplan Miles will not expire as long as you are a CIBC Aerogold Visa Innite
cardholder, so they’re available when you’re ready to travel.
2
+
AIR CANADA GOES THE EXTRA MILE FOR YOU.
With your CIBC Aerogold Visa Innite Card you can also enjoy additional
Air Canada benets:
6,7
PRIORITY CHECK-IN AND PRIORITY BOARDING
8
You and your companion travelling together on the same reservation on an Aeroplan Flight
Reward operated by Air Canada,
®
Air Canada rouge
®
or under the Air Canada express
®
banner can enjoy the convenience of priority check-in and priority boarding. Where boarding
by zone is available, your priority boarding benet will upgrade you to Zone 2. Benet only
applies when you book your ight by redeeming the miles from your Aeroplan account.
COMPLIMENTARY FIRST CHECKED BAG
9
As the primary cardholder, you’ll receive one complimentary rst checked bag, up to
23 kg (50 lbs) when travelling using an Aeroplan Flight Reward operated by Air Canada,
Air Canada rouge or under the Air Canada express banner. Benet only applies when you
book your ight by redeeming the miles from your Aeroplan account.
ANNUAL ONE-TIME GUEST ACCESS BENEFIT TO AN AIR CANADA
MAPLE LEAF LOUNGE
TM10
Relax in the Air Canada Maple Leaf Lounge. As the primary cardholder, you’ll receive
one (1) Maple Leaf Lounge One-Time Guest Access Benet every calendar year
(January 1 – December 31). You’ll enjoy access to the Air Canada Maple Leaf Lounge, where
available, when you present your CIBC Aerogold Visa Innite Card and a valid, same-day
boarding pass for travel using an Aeroplan Flight Reward on a ight operated by Air Canada,
Air Canada rouge, or under the Air Canada express banner. Benet only applies when you
book your Aeroplan Flight Reward by redeeming the miles from your Aeroplan account.
3
EXCLUSIVE BENEFITS OF THE
CIBC AEROGOLD VISA INFINITE CARD.
THE CIBC VISA INFINITE WEBSITE
Available at www.visainnite.ca the Visa Innite cardholders-only website is your
exclusive destination for information on concierge services, enhanced dining and hotel
perks, special travel offers and more – making it one of the most exciting benets of
being a CIBC Aerogold Visa Innite cardholder.
TRAVEL CONCIERGE
11
Your CIBC Travel Concierge is a full-service travel agency that specializes in planning
every aspect of your travel itinerary. Whether it’s researching and booking a condo rental
in Hawaii or helping you plan a fairy-tale honeymoon in France, travel specialists can help
customize your trip from start to nish. You can also book travel-related experiences to
enhance your trip, such as local sight-seeing tours or amusement park passes. To simplify
your travel experience you can receive pre-trip assistance, including weather forecasts,
customs information and more helpful advice.
For more information, please call 1 866 748-5205.
4
5
PERSONAL CONCIERGE
12
Let your Personal Concierge handle life’s details for you. From restaurant recommendations
and reservations, to nding your favourite bottle of wine, to arranging a personal
shopper and entertainment planning, your Personal Concierge is there to help make your
life easier. The Personal Concierge is at your assistance 24 hours a day, seven days a
week. To access your Personal Concierge today, call 1 888 853-4458.
VISA INFINITE
*
LUXURY HOTEL COLLECTION
13
As a CIBC Aerogold Visa Innite cardholder, you can enjoy exclusive access to the Visa
Innite Luxury Hotel Collection – a hand-selected portfolio of over 900 of the world’s most
intriguing and prestigious properties, chosen expressly for Visa Innite cardholders. Enjoy
a distinctive and unique collection of benets for an unparalleled experience at any of the
portfolio properties when you book through the Visa Innite Luxury Hotel Collection by
either calling the Visa Innite Concierge at 1 888 853-4458 or online through visainnite.ca
or visaluxuryhotelcollection.com. When you use your CIBC Aerogold Visa Innite Card
you will enjoy the following exclusive benets:
• Best available rate guarantee
• Automatic room upgrade upon arrival, when available
• Free in-room Internet
• Complimentary continental breakfast
• 3 p.m. check-out, when available
• VIP guest status
• $25 food or beverage credit
VISA INFINITE
*
DINING SERIES
14,17
As a CIBC Aerogold Visa Innite cardholder, you can have exclusive access to gourmet
events catering to your discerning tastes. As part of the Visa Innite Dining Series,
you can experience intriguing culinary explorations with prized chefs, exquisite dining
events hosted by renowned guests, award-winning wines selected by master sommeliers,
and so much more.
VISA INFINITE
*
WINE COUNTRY PROGRAM
15,17
As a CIBC Aerogold Visa Innite cardholder you can receive fascinating wine tasting
perks at more than 60 participating British Columbia and Ontario wineries. You can
enjoy deliciously unique experiences, such as access to exclusive dining events – featuring
Canada’s leading chefs.
VISA INFINITE
*
MUSIC SERIES
16,17
As a CIBC Aerogold Visa Innite cardholder you can take advantage of exclusive
entertainment experiences such as the Up Close & Personal Visa Innite Music Series.
You will enjoy the opportunity to watch and meet some of the world’s top musical
performers at an intimate music event.
Register now at www.visainnite.ca to enjoy all these exclusive benets.
CAR RENTAL DISCOUNTS
Take advantage of additional savings. As a CIBC Aerogold Visa Innite cardholder, you
can receive valuable car rental discounts at participating locations worldwide when you
pay with your CIBC Aerogold Visa Innite Card.
18
For more information on car rental discounts, please visit www.cibc.com
6
7
EXPLORE, REDEEM & DISCOVER REWARDS.
REWARD YOURSELF WITH MORE THAN TRAVEL
You can redeem your Aeroplan Miles for more rewards than ever before! Use your miles
for unforgettable experiences that take you around the world, whether you want to
escape from it all with car rental and hotel rewards or with cruises and vacation packages
to sunny destinations. Or take advantage of a wide variety of gift cards and brand name
merchandise including luggage, electronics, home décor, toys, tools and much more!
For more information on Aeroplan Rewards, visit aeroplan.com
DISCOVER ALL THE REWARDS
COMING YOUR WAY.
AIM FOR DISTINCTION
Distinction
™
is Aeroplan’s recognition program that rewards top accumulating members.
Every dollar you spend on your CIBC Aerogold Visa Innite Card brings you closer to
qualifying for Distinction and enjoying a range of Distinction benets such as exclusive
ight rewards, bonus mile offers and benets. Visit distinction.aeroplan.com for details.
THREE LEVELS OF QUALIFICATION
Earn 50,000 eligible
Aeroplan Miles per
calendar year
Earn 100,000 eligible
Aeroplan Miles per
calendar year
Earn 25,000 eligible
Aeroplan Miles per
calendar year
8
9
REDEEM YOUR AEROPLAN MILES
Go as far as you wish with your Aeroplan Miles
Fly with Air Canada and the Star Alliance partners member airlines to over 1,200 destinations
in more than 190 countries.
* You can also redeem for one-way ights at 50% of the miles needed for a round-trip Fixed Mileage Flight
Rewards. The above chart reects ight rewards as of January 1, 2014 and is subject to change at any time.
For complete information, visit aeroplan.com/ightrewards
For more information on how to redeem your Aeroplan Miles, visit
aeroplan.com/useyourmiles or call the Aeroplan Contact Centre at 1 800 361-5373.
RELAX. YOUR CARD HAS YOU COVERED.
Your CIBC Aerogold Visa Innite Card comes with comprehensive insurance and travel
benets, so you get the peace of mind you need while travelling with your family.
Remember to review your coverage before departure.
OUT-OF-PROVINCE TRAVEL MEDICAL INSURANCE
19
As the primary cardholder of the CIBC Aerogold Visa Innite Card you, your spouse
and your dependent children are automatically insured for eligible emergency upfront
hospital expenses for $5 million whenever you leave the country or your province for the
rst 15 days of a trip if the covered person is age 64 or under, or for the rst 3 days of
the trip if the covered person is age 65 or older – you don’t even have to charge your trip
to the card. If you are travelling for more than 15 days in length and you are age 64 and
under, or for more than 3 days and you are age 65 or over, you must purchase coverage
separately for the balance of your trip.
For emergency assistance, claims, or pre-trip information call the CIBC Travel Assistance
Line at 1 877 350-6970. Outside North America, call collect at 905 816-2571. Please
refer to the enclosed Insurance Certicate for more details, including policy limitations
and exclusions.
Short-haul ight within
Canada and continental U.S.
Long-haul ight within
Canada and continental U.S.
Between Canada /continental
U.S. and Europe 1, 2
Economy
15,000
25,000
60,000/
75,000
Business
25,000
50,000
90,000/
105,000
CHOOSE YOUR
DESTINATION
REDEEM YOUR AEROPLAN MILES FOR A
ROUND-TRIP* FIXED MILEAGE FLIGHT REWARDS
First
70,000
125,000/
145,000
10
FLIGHT DELAY AND BAGGAGE INSURANCE
19
Travel delays? Breathe easy. Purchase any scheduled ight with your CIBC Aerogold
Visa Innite Card and receive up to $500 (CDN) coverage for reasonable and necessary
hotel, motel or restaurant expenses, up to $100 (CDN) for ground transportation and up
to $100 (CDN) for entertainment expenses when you are delayed boarding for more than
four hours. Your insurance also includes up to $500 (CDN) for immediate daily necessary
and reasonable emergency purchases for essential clothing and sundry items when your
baggage on your outbound trip is delayed more than six hours. Purchases may be made
during the baggage delay period, but must be made within four days of the occurrence.
Plus, your insurance includes up to $500 (CDN) for the loss or damage of your checked
baggage. Baggage Insurance is “excess insurance” and covers you only to the extent
your claim exceeds the coverage of other insurance or indemnity available to you.
For information or to make a claim please call 1 866 363-3338 or call collect
905 403-3338. Please refer to the enclosed Insurance Certicate for more details,
including policy limitations and exclusions.
TRIP CANCELLATION/TRIP INTERRUPTION INSURANCE
19
As the primary cardholder of the CIBC Aerogold Visa Innite Card you, your spouse and your
dependent children automatically have trip cancellation and interruption coverage for trips
charged to your CIBC Aerogold Visa Innite Card. You can enjoy coverage for up to $1,000
of eligible cancellation expenses per eligible person, to a maximum of $5,000 for all eligible
persons on the same trip if an illness, injury or other covered event prevents you from starting
your trip. As well, if your trip is interrupted due to an illness, injury or other covered event of
you or an immediate family member while travelling, you’ll be covered for up to $2,000 per
eligible person for eligible trip expenses charged to your card. Both coverages are available
simply by charging your trip to your CIBC Aerogold Visa Innite Card. Trip Cancellation/Trip
Interruption Insurance is “excess insurance” meaning all other sources of recovery, indemnity
or insurance coverage must be exhausted before this insurance pays any benets to you.
11
For information or to make a claim please call toll-free 1 866 363-3338 (in Canada and
Continental U.S.A., including Hawaii). From all other locations, including Mexico, call
collect 905 403-3338. Before you travel, please refer to your Certicate of Insurance for
full details, including policy limitations and exclusions. A pre-existing condition exclusion
may apply to medical conditions and/or symptoms that existed prior to your trip and/or
date of purchase – refer to your certicate for details.
PURCHASE SECURITY & EXTENDED PROTECTION INSURANCE
19
Enjoy added security and protection on your purchases. Your CIBC Aerogold Visa Innite
Card comes with Purchase Security at no additional cost to you. This means that most
new items of personal property you purchase with your card will be replaced, repaired,
or you will be reimbursed if they are lost, stolen or damaged within 90 days of purchase.
Plus, with Extended Protection Insurance, you can actually double the period of a
manufacturer’s original warranty up to one year on most purchases. That makes your
CIBC Aerogold Visa Innite Card ideal for new purchases like electronic equipment and
appliances. This is “excess insurance” meaning all other sources of recovery, indemnity or
insurance coverage must be exhausted before this insurance pays any benets to you.
For information, or to make a claim, please call 1 866 363-3338 (in Canada and
Continental U.S.A., including Hawaii). From all other locations, including Mexico,
call collect 905 403-3338. Please refer to the enclosed Insurance Certicate for
more details, including policy limitations and exclusions.
12
CIBC VISA AUTO RENTAL COLLISION/LOSS DAMAGE INSURANCE
19
Smart savings opportunity. As a CIBC Aerogold Visa Innite cardholder, you can save
up to $25 a day on car rental insurance. Simply charge the full cost of your car rental
to your CIBC Aerogold Visa Innite Card and decline the rental agency’s Collision Damage
Waiver (CDW) or Loss Damage Waiver (LDW). You’ll then be protected by Auto Rental
Collision/Loss Damage Insurance. For information, please call 1 866 363-3338 or call
collect 905 403-3338.
Please refer to the enclosed Insurance Certicate for more details, including policy
limitations and exclusions.
COMMON CARRIER ACCIDENT INSURANCE
19
Travel with your mind at ease. Flying or travelling by ferry, train or bus? Simply
charge your fare to your CIBC Aerogold Visa Innite Card and you, as the primary
cardholder, and your spouse and dependent children are automatically covered with
up to ve hundred thousand dollars ($500,000) Common Carrier Accident Insurance.
For information, please call 1 866 363-3338 or call collect 905 403-3338.
Please refer to the enclosed Insurance Certicate for more details, including policy
limitations and exclusions.
MAKING PAYMENTS, NO PROBLEM.
Another great feature of your CIBC Aerogold Visa Innite Card? Convenience. With your
card, we’ve made sure that making payments is always fast, secure and simple.
VISA PAYWAVE
*
Available on your Visa payWave enabled CIBC Aerogold Visa Innite Card and eligible
registered smartphones through the CIBC Mobile Payment App. This no-fee payment
feature is a great alternative to using cash for purchases up to $100. Simply look for
merchant terminals with the
symbol, hold your CIBC Aerogold Visa Innite Card or
smartphone in front of the merchant terminal and you’re on your way.
20
For more information, including where to nd Visa payWave accepting merchants,
visit www.cibc.com/paywave
13
THE CHIP-ENABLED CIBC VISA CARD
CHIP TECHNOLOGY.
ADDED SECURITY TO YOUR EVERYDAY SPENDING
CIBC is committed to providing you with a secure system against credit card fraud.
To that end, CIBC Visa cards use chip technology, which enhances the security of the
magnetic stripe payment system. Each card uses an embedded microchip to encrypt
information, making it more difcult for unauthorized users to copy or access card data.
Wherever chip technology is available, a PIN (Personal Identication Number) will be
required to authorize a transaction, much like a debit transaction.
Visit www.cibc.com/chipcard for more information.
FREE PERSONALIZED CONVENIENCE CHEQUES
Transfer higher rate balances, consolidate bills, or make purchases in places that don’t
otherwise accept credit cards. CIBC Convenience Cheques make it simple. Write them like
any other cheque to a person or business, or to pay off a non-CIBC credit card and the
amount will appear on your statement.
21
Call 1 800 465-4653 to order your free supply of personalized
Convenience Cheques.
COMMISSION-FREE REGULAR AMERICAN EXPRESS TRAVELLERS CHEQUES
Simple savings when you travel. As a CIBC Aerogold Visa Innite cardholder, you save
the normal 1% commission on regular travellers cheques, and pay a reduced commission
rate of 0.75% on dual signature travellers cheques (Cheques for Two
®
). Simply show
your CIBC Aerogold Visa Innite Card when you purchase regular American Express
Travellers Cheques
®
at any CIBC branch in Canada.
Note: if you would like information on exchange rates, call CIBC at 1 800 465-CIBC (2422).
14
BANKING MADE EASY.
Want to be able to bank on the go, with convenient features like automatic payments
and instant cash advances? Your CIBC Aerogold Visa Innite Card takes some of the
hassle out of banking.
E-STATEMENTS OFFER EASE AND CONVENIENCE
With your eStatement you can view a free electronic copy of your current or previous
available credit card and bank account statements online anytime, and download them
to your computer. Signing up for eStatements allows you to be notied of account
changes while saving paper and reducing clutter in the process. Simply sign in to CIBC
Online Banking
®
to get started.
AUTO PAY SERVICE
Staying on top of your payments is now even easier. Sign up for CIBC Auto Pay
Service – an automatic service that debits your card payment from your chosen bank
account – and take paying your CIBC Visa bill off your list of things to do.
Choose to pay either the minimum payment or the total new balance on the payment due
date for each month. If you choose the minimum payment, and your balance exceeds your
credit limit on a statement date, on the payment due date we will also debit from your
bank account the amount by which your balance exceeds your credit limit. To request an
Auto Pay Service Authorization Form, call 1 800 465-4653.
ACCESS TO CASH ADVANCES
Access to cash, wherever and whenever you need it. You have instant access to up to
$1,000 daily with your CIBC Visa card, subject to your available credit and your available
cash, at any CIBC Instant Teller
®
Machine or any of the nearly one million bank machines
displaying the Visa, Interac
®
or Plus
*
System symbols.
22
All you need is your card and your
PIN. If you wish, you can even change your PIN at any CIBC Instant Teller Machine.
CARD REPLACEMENT AND UP TO $5,000 IN EMERGENCY CASH ADVANCES
Simple services to ease your mind. The last thing you should worry about, whether
you’re travelling or at home, is your credit card. That’s why, if your card is lost or stolen,
or if you suspect someone is using your card or the card number, all you have to do is
contact a CIBC branch, CIBC Telephone Banking or CIBC Credit Card Services as soon
as possible. We’ll then take the steps necessary to recover your card for you, including
reporting your lost or stolen card to the appropriate authorities.
A lost or stolen CIBC credit card should be reported immediately by calling
1 800 663-4575.
Remember, you can also receive an emergency cash advance of up to $5,000, subject
to your available credit and your available cash, if your card is lost or stolen.
22
15
STRESS-FREE FINANCIAL MANAGEMENT.
Your CIBC Aerogold Visa Innite Card can help you manage, track and organize your
credit card activity. It can also help keep you protected from fraud. Here are just a few of
the benets so you can rest easy.
CIBC CREDITSMART
®
– A SUITE OF SMART CREDIT MANAGEMENT FEATURES
EXCLUSIVELY FROM CIBC
With CIBC CreditSmart, you can manage, track and organize your credit card
activity – plus help protect yourself from fraud. Here are just a few of the benets
CIBC CreditSmart offers with your CIBC Aerogold Visa Innite Card:
Online Spend Report: get a more detailed view of your credit card spending and create
customized monthly budgets.
Personal Spend Manager: create your own personal spend categories to track and
manage what’s important to you.
Enhanced Monthly Statement: track and manage your monthly and year-to-date
spending organized in 10 common spend categories on your printed statement.
Credit Report Alerts: stay up-to-date on key changes to your personal credit report
so you’re aware of any unusual activity on your credit le.
23
Spend Alerts: set up alerts through CIBC Online Banking and choose to be notied by
phone, e-mail or online message when you’ve exceeded your customized budget or are
nearing your credit limit.
24
Fraud Alerts: set up alerts and choose to be notied as soon as possible about potential
unauthorized use of your credit card through alerts by e-mail or online message.
Identity Theft Assistance: get quick access to guidance and clear instructions on what
to do if you suspect you’re a victim of identity theft by calling 1 800 465-4653.
From ways to help manage spending to features that offer new levels of card security, your
CIBC Aerogold Visa Innite Card is the card for the way you live life. On your terms.
®
ADDITIONAL CARDS
As a CIBC Aerogold Visa Innite primary cardholder, you can receive up to three
additional cards ($50 annual fee per additional card) for authorized users. Give them
to your spouse, other family members, or anyone else you wish and maximize the
opportunities to earn Aeroplan Miles. At the end of each statement period all charges
and Aeroplan Miles earned will appear on your monthly statement. Even better, with
CIBC CreditSmart features you’ll be able to view all the card purchases organized into
spend categories, set budgets and more.
16
AUTHORIZED USER SPENDING LIMITS
You can manage authorized user spending by assigning specic spending limits for
purchases and cash to any authorized user(s). This way your authorized user(s) will have
access to funds they need while you monitor their spending activity on your account.
As the primary cardholder, you can contact us at any time to change Authorized User
Spending Limits. With this option, authorized user(s) are able to make purchases and
cash transactions each month up to the spending limits assigned to them.
25
Call 1 800 465-4653 to add authorized users and assign spending limits, or visit
www.cibc.com/spendinglimits to get more information.
PRIVACY
Either by activating your new card or in your application you have consented to CIBC, from
time to time, sharing with Aeroplan certain transaction information (e.g., merchant name,
transaction date and amount) for the purposes of marketing and promoting the Aeroplan
Program as set out in Aeroplan’s privacy policy including combining this information with
other information Aeroplan may already have about you to make relevant offers or provide
a benet or privilege to you. The sharing of this information is necessary for you to receive
the benets and features of this partner program therefore you may not withdraw your
consent. CIBC may also share with Aeroplan the following additional information: location
data of merchants (country, province or state, city and postal code) and cardholder data
(your age range, salutation and the number of cardholders on the account) for the same
purposes as above. If you do not wish us to share this additional information you may
contact CIBC at 1 800 465-4653 within Canada or the U.S.A., or 514 861-4653. For more
about how Aeroplan may collect, use or share your information or your right to opt out of
receiving marketing communications from Aeroplan, please contact Aeroplan directly or go
to aeroplan.com.
For more information about how CIBC may collect, use or share your personal information,
please see CIBC’s privacy policy which is available at any branch or at www.cibc.com. This
policy may be amended, replaced or supplemented from time to time.
KEEP YOUR BENEFITS GUIDE
It’s a good idea to keep Your Benets Guide for future reference. You never know when you
may need important information or phone numbers for your CIBC Aerogold Visa Innite Card.
17
NOTES
1 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 and surcharges may apply to Aeroplan reward travel. Aeroplan partners, rules and
regulations are subject to change without notice, please refer to aeroplan.com. Aeroplan Miles
will be awarded only if your CIBC Aerogold Visa Innite Card account is in good standing on the
monthly statement date (otherwise Aeroplan Miles are cancelled).
2 Earn 1.5 Aeroplan Miles on purchases (excluding returns) at merchants classied in the Visa
network as grocery stores, service stations/automated gas dispensers or drug stores and
aircanada.com excluding Air Canada Vacation packages. This bonus Aeroplan Miles offer is only
available on the rst $80,000 in net annual card purchases on your account (meaning all card
purchases by all cardholders, at any type of merchant). The $80,000 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.
3 The number of rewards you may earn differs based on the participating CIBC Bonus Rewards
establishment and may only be earned when you use your CIBC Aerogold Visa Innite Card for
payment. Some restrictions apply. Take-out, gift certicates and retail merchandise for purchase at a
participating restaurant establishment may not qualify. The CIBC Bonus Rewards Benet cannot be
combined with other promotional offers. CIBC Bonus Rewards terms, conditions and participating
establishments may change without notice. For full details, visit cibcbonusrewards.com.
4 CIBC is not responsible for any Aeroplan Miles earned under this feature of the Aeroplan Program.
Feature may be changed, withdrawn or extended at any time and cannot be combined with any
other offer. Visit aeroplan.com for details.
5 Aeroplan requires at least one accumulation or redemption transaction every 12 months in an
Aeroplan account or the Aeroplan Miles in that account will expire. CIBC will ensure that this doesn’t
happen to the one Aeroplan account which is connected to your CIBC Aerogold Visa Innite Credit
Card, provided that your credit card account is in good standing. Visit aeroplan.com for the full
terms and conditions of the Aeroplan Program.
6 Your CIBC Aerogold Visa Innite Card account must be in good standing for you to receive or use
cardholder benets including Air Canada benets.
7 All Air Canada benets are fullled by Air Canada, its designated afliates, or other third parties,
and are subject to change at any time without notice.
8 Air Canada Benet Eligibility – Priority Travel Services: With your CIBC Aerogold Visa Innite
Card, Air Canada benets (the complimentary rst checked bag, priority check-in and priority
boarding) apply whenever you travel using an Aeroplan Flight Reward only, on a ight operated
by Air Canada, Air Canada rouge or under the Air Canada express banner. Flights operated by
other airlines are not eligible. To access these benets, you must redeem your Aeroplan Flight
Reward (dened as Fixed Mileage Flight Rewards or Market Fare Flight Reward) with Miles from
your Aeroplan account, and must also ensure that the name on the Air Canada ight booking is
identical to the name on the Aeroplan account prole of the traveller. Where boarding by zone is
available, the priority boarding status will be recognized by a Zone 2 descriptor for you and your
companions travelling on the same reservation checking-in at the same time, which will be displayed
on the Air Canada issued boarding pass. Priority check-in may also be extended to companions
travelling on the same reservation checking-in at the same time as you. To access priority check-in
and priority boarding, you may be required to show your CIBC Aerogold Visa Innite Card to the
Air Canada agent. Please allow two weeks from receiving your card for these Air Canada benets
to be activated.
9 Air Canada Benet Eligibility – The complimentary rst checked bag, up to 23 kg (50 lbs),
applies whenever you travel using an Aeroplan ight reward only, on a ight operated by Air Canada,
Air Canada rouge or under the Air Canada express banner. Flights operated by other airlines are
not eligible. To access this benet, you must redeem your Aeroplan Flight Reward (dened as Fixed
Mileage Flight Rewards or Market Fare Flight Reward) with Miles from your Aeroplan account, and
must also ensure that the name on the Air Canada ight booking is identical to the name on the
Aeroplan account prole of the traveller. The complimentary rst checked bag applies solely to you,
and service charges for additional/oversized/overweight baggage may apply. Applicable on ights
that do not already offer a complimentary rst checked bag. To access this benet, you may be
required to show your CIBC Aerogold Visa Innite Card to the Air Canada agent. Please allow two
weeks from receiving your Card for these Air Canada benets to be in effect.
10 Air Canada Benet Eligibility – Air Canada Maple Leaf Lounge One-Time Guest Access
Benet: With your CIBC Aerogold Visa Innite Card, you will receive one Air Canada Maple
Leaf Lounge One-Time Guest Access Benet once every calendar year (January 1 – December 31).
You may access an Air Canada Maple Leaf Lounge, where available, upon presentation of your CIBC
Aerogold Visa Innite Card with a valid, same-day boarding pass for travel using an Aeroplan
18
ight reward, only, on a ight operated by Air Canada, Air Canada rouge or under the Air Canada
express banner. To access this benet, you must redeem your Aeroplan ight reward (dened as
Fixed Mileage Flight Rewards or Market Fare Flight Rewards) with miles from your Aeroplan account.
Each Air Canada Maple Leaf Lounge One-Time Guest Access Benet applies for a single entry during
the calendar year for which it was provided by you only and cannot be carried forward to the next
calendar year or transferred to another person. Additional conditions apply and are outlined on
aircanada.com/cibcbenets. Air Canada Maple Leaf Lounge access is subject to availability and
all other then-current terms and conditions located here http://www.aircanada.com/en/travelinfo/
airport/maplelounges/tc.html that are subject to change at Air Canada’s sole discretion. Please allow
two weeks from receiving your Card for these Air Canada benets to be in effect.
11 The CIBC Travel Concierge Service is operated by an independent travel service agency, Merit Travel
Group Inc. Registration Numbers: ON. 50010422/4499356, BC. 34799, QC.
12 The goods and services cardholders request or otherwise choose to obtain through the Visa Innite
Concierge Service are provided by various third party service providers unrelated to Visa or CIBC.
Neither Visa nor CIBC endorse, review or qualify these service providers. Visa and CIBC make no
representations or warranties (either express or implied) about, and assumes no responsibility or
liability for these service providers or the goods and services that may be obtained through the
Concierge. Neither Visa nor CIBC is responsible for any claims or damages arising from use of
any benets or services provided by a third party. Visa and CIBC cannot guarantee the successful
fulllment of your request in all instances. There is no fee for the Concierge’s services, but you are
responsible for the cost of any goods or services (including any related fees or costs) you authorized
and purchased by the Concierge on your behalf. All costs will be charged directly to your CIBC
Aerogold Visa Innite Card.
13 Offers are subject to availability and other restrictions may apply. For full program terms and
conditions please visit www.visaluxuryhotelcollection.com.
14 The Visa Innite Dining Series is only available to Canadian Visa Innite cardholders and must be
booked using your CIBC Aerogold Visa Innite Card. You will be informed approximately one week
prior to the event in the event of a postponement or cancellation. In the event of a cancellation,
you will receive a full refund. The appearance by all chefs, sommeliers and bartenders is subject to
change without notice. Limit of 6 tickets per cardholder. Offers are based on availability.
15 You must be legal drinking age to participate in this benet. Void where prohibited. All wine tastings
and discounts are subject to terms and conditions as specied by participating wineries. All discounts
apply before applicable taxes. For Visa Innite Wine Country Program dinners, you will be informed
approximately one week prior to the event in the event of a postponement or cancellation. In the
event of a cancellation, you will receive a full refund. The appearance by all chefs, sommeliers and
bartenders is subject to change without notice. Offers are based on availability.
16 Event tickets are non-refundable. Payment must be completed with your CIBC Aerogold Visa Innite
Card to secure benets and price. Event schedule is subject to change. Tickets are not for resale.
Event tickets are subject to terms and conditions as specied by ticket issuer. Participant agrees to
comply with all applicable venue regulations with respect to the ticket offer.
17 Additional terms and conditions may apply. For additional information please visit www.visainnite.ca.
Visa may modify or cancel this offer at any time and without notice. Neither Visa nor CIBC is
responsible for any claims or damages arising from participation.
18 Discounts are determined by the participating rental agency and apply to time and kilometre/
mileage charges only. Visit www.cibc.com for further details.
19 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 specic card, and important information regarding
coverage eligibility requirements, benets, limitations and exclusions, see www.cibc.com/ca/
credit-card/agreements-insurance.html and the insurance certicate(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 dened in your insurance certicate. 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
certicate 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 (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
deciency) for the rst 15 days of a trip if the covered person is age 64 or under, or for the rst
3 days of a trip if the covered person is age 65 or older; TMI may not cover medical procedures
19
performed without pre-approval of insurer, RSA. 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.
20 Subject to merchant transaction limits.
21 Personalized CIBC Convenience Cheques can be ordered by calling a CIBC Card Services Representative.
CIBC Convenience Cheques are subject to your available credit and available cash and bear interest
from the date they are posted to your credit card account. CIBC Convenience Cheques do not earn
Aeroplan Miles.
22 Cash advances do not earn Aeroplan Miles. Cash advances bear interest from the date they are taken.
23 This service is provided by Equifax Canada, a leading credit bureau in Canada.
24 Transactions must rst be posted to your account before they can trigger a CIBC CreditSmart spend
alert. It may then take up to 24 hours after a triggering transaction is posted for an alert to be sent.
25 The primary cardholder may assign and change the Authorized User Spending Limits on the credit
card account for any authorized user(s) by contacting CIBC. CIBC may make adjustments to the
spending limits any time following a decrease in your credit limit or cash limit of your credit card
account. The spending limits for authorized users will also be subject to the overall credit and cash
limit on the credit card account. “Cash” refers to cash advances, CIBC Convenience Cheques
and balance transfers. For full details visit https://www.cibc.com/ca/credit-cards/budgeting-spend/
spending-limits.html.
Aeroplan
®
and Aerogold
®
are registered trademarks of of Aimia Canada Inc.; used under license.
Distinction
TM
and Market Fare Flight Rewards
TM
are trademarks of Aimia Canada Inc.
Air Canada Maple Leaf Lounge
TM
is a trademark of Air Canada, used under license.
Air Canada,
®
Air Canada express,
®
and Air Canada rouge
®
are registered trademarks of Air Canada, used
under license.
Interac
®
is a registered trademark of Interac Inc.; CIBC authorized user of the mark.
*Visa, *Visa Innite, *Visa payWave and *Plus are trademarks of Visa International Service Association
and used under license.
American Express Travellers Cheques
®
and Cheques for Two
®
are registered trademarks of American
Express Company. Used under license from American Express.
All other trademarks are owned by CIBC or related entities. All information is valid at the time of printing
and is subject to change without notice.
IMPORTANT CONTACT INFORMATION
CIBC CREDIT CARD SERVICES
For current Hours of Business, please visit www.cibc.com
In Canada and the U.S. 1 800 465-4653
Elsewhere 514 861-4653
Telecommunications Device for the Deaf
(TDD) (in North America) 1 877 331-3338
CIBC LOST OR STOLEN CARD REPLACEMENT
AND EMERGENCY ASSISTANCE
In Canada and the U.S. 1 800 663-4575
Elsewhere 514 861-9898
Emergency Assistance
In Canada and the U.S. 1 800 814-7442
Elsewhere 416 784-5357
VISA LOST OR STOLEN CARD REPLACEMENT
AND EMERGENCY ASSISTANCE
(available outside of Canada)
United States 1 800 VISA-911
Elsewhere 410 581-9994
20
OTHER SERVICES
CIBC Travel Concierge Service
In Canada and the U.S. 1 866 748-5205
Elsewhere (call collect) 905 890-7326
CIBC Visa Infinite Personal Concierge
In Canada and the U.S. 1 888 853-4458
Out-of-Province Travel Medical Insurance
In Canada and the U.S. (incl. Hawaii) 1 877 350-6970
Elsewhere (call collect) 905 816-2571
CIBC Visa Auto Rental Collision/Loss Damage Insurance
In Canada and the U.S. 1 866 363-3338
Elsewhere (call collect) 905 403-3338
Flight Delay and Baggage Insurance
In Canada and the U.S. 1 866 363-3338
Elsewhere (call collect) 905 403-3338
Trip Interruption Insurance
In Canada and the U.S. 1 866 363-3338
Elsewhere (call collect) 905 403-3338
Common Carrier Accident Insurance
In Canada and the U.S. 1 866 363-3338
Elsewhere (call collect) 905 403-3338
AVIS Worldwide Reservations 1 800 879-2847
Budget
®
Reservations 1 800 268-8900
IMPORTANT WEBSITES
CIBC www.cibc.com
CIBC CreditSmart www.cibccreditsmart.com
CIBC Visa Infinite www.visainfinite.ca
CIBC Visa Bonus Rewards www.cibcbonusrewards.com
Aeroplan aeroplan.com
Air Canada www.aircanada.com
Visa payWave www.cibc.com/paywave
AEROPLAN CONTACT CENTRES
If you have any questions about Aeroplan, call the Aeroplan Contact Centre between 7 a.m. and
11 p.m. (North America) seven days a week. Or please call your local Air Canada sales office. Refer
to aeroplan.com for more details:
Canada, U.S., Antigua, the Bahamas, Barbados,
Bermuda, the Cayman Islands, Jamaica and Trinidad 1 800 361-5373
Hong Kong 852 2521-2138
U.K. 0871 220-7777
Montreal and all other areas 514 395-0300
AIR CANADA CUSTOMER SERVICE
In Canada and the U.S. 1 888 247-2262
AGIEN
Make the most of your
CIBC Aerogold Visa Infinite Card.
Visit www.cibc.com and register for
CIBC Online Banking today.