Offer
- SPECIAL OFFER Earn 10% cash back on all purchases for the first 3 months (up to $2,000 in total purchases). No annual fee in the first year, including on supplementary cards. Offer ends 31 Oct 2024.
- Earn 4% for every $1 you spend on grocery store purchases, recurring bill payments, and subscription purchases.
- Earn 2% for every $1 you spend on gas purchases and daily transit purchases.
- Earn 1% cash back on all other purchases with no cash back limit.
Fees & Conditions
Personal Income
$60,000
Household Income
$100,000
Annual Fee
$120
First Year Annual Fee Rebate
First Additional Card
$50
First Year Annual Fee Rebate - First Additional Card
Other Additional Card
$50
Foreign Transaction Fee
2.5%
Purchase Rates
20.99%
Cash Advance Rates
22.99%
Balance Transfer Rates
22.99%
Value
Calculate the rewards
Your Monthly Spending
Year 1
Year 2+
Welcome Bonus
0 $
Annual Credit
Travel benefits
VIP Lounges
First Year Annual Fee Rebate
-
First year offer value
Rewards Earned
Annual fee
Net value
Advantages
Offer ends on
Oct 31, 2024
Welcome Bonus amount
Up to $200 cash back
Minimum Spending Required
$2,000
Minimum Spending Timeframe (Months)
3 month(s)
Concierge
Earnings
Per dollar of purchases
All Spending
1 %
Groceries
4 %
Gas
2 %
Dining and Food delivery
1 %
Convenience Stores
1 %
Drugstores
1 %
Local Transport
2 %
Travel
1 %
Entertainment
1 %
Recurring Payments
4 %
Telecom/Internet
4 %
Streaming services
1 %
Online transactions
1 %
Office Supplies
1 %
Insurance
Travel Insurance
Insurance Name
Included
Amount
Duration
Travel Medical Insurance
Travel medical insurance up to 54 years old
$1,000,000
15 day(s)
Travel medical insurance up to 64 years old
$1,000,000
15 day(s)
Travel medical insurance 65+
Trip Cancellation Insurance
Trip Interruption Insurance
$2,000
Common Carrier Travel Accident Insurance
$500,000
Flight Delay Insurance
$500
Delayed Baggage Insurance
$500
Lost/Stolen Baggage Insurance
$500
Auto Rental Loss/Insurance
$65,000
48 day(s)
Hotel/Motel Burglary Insurance
There may be a daily maximum amount depending on the type of fees paid
Other Insurance
Insurance Name
Included
Amount
Duration
Extended Warranty
1 year
Purchase Protection
90 day(s)
Mobile Device Insurance
$1,000
1 year
Price Protection
Legal
*Conditions apply.