AIR MILES Credit Cards

1. Offer is cumulative over the statement period. Award of AIR MILES Reward Miles is made for purchases charged to your account (less refunds and excluding cash advances, cash-like transactions, interest charges, fees, credit or debit adjustments) and is subject to the AIR MILES Reward Program Terms and Conditions and the BMO Mastercard Cardholder Agreement. The number of Miles will be rounded down to the nearest whole number. Fractions of Miles will not be awarded.

2. Mastercard Airport Experiences provided by LoungeKey (“MCAE”) is a worldwide program run by LoungeKey Ltd. This benefit will be available to all cardholders of a BMO AIR MILES World Mastercard, (“eligible cardholders”). Eligible cardholders are required to comply with the Conditions of Use available online at airport.mastercard.com or on the MCAE mobile application, as well as any additional terms and conditions applicable to the lounge or offer being used by the eligible cardholder. The Conditions of Use are subject to change from time to time without notice to Issuer or the eligible cardholders. Eligible cardholders wishing to access a participating MCAE lounge must present their valid, eligible BMO Mastercard or their mobile access code (this may be obtained by the eligible cardholder by registering an account at airport.mastercard.com or through the MCAE mobile application) to the lounge receptionist and mentioning “Mastercard Airport Experiences provided by LoungeKey.” Some offers may be subject to a per-person, per-visit charge. Where applicable and dependent upon the offer, access charges, including those for an accompanying guest, may be charged to your credit card. Value and benefits of the MCAE complimentary membership are subject to change without notice. Enjoy lounge access for a fee of just US$27 per person, per visit.

3. The contract ID number (3717122 for National Car Rental and 7014883 for Alamo Rent A Car) must be included when making a car rental reservation to receive discounts. Discount applies to base rate only at participating National Car Rental and Alamo Rent A Car locations. Discount varies by rental date, location and vehicle type. Taxes, other governmentally-authorized or imposed surcharges (including GST), license and concession recoupment fees, airport and airport facility fees, fuel, additional driver fee, one-way rental charge and optional items (such as LDW up to US $30 per day) are extra. Renter must meet standard age, driver and credit requirements. 24-hour advance reservation required. May not be combined with other discounts. Availability is limited. Subject to change without notice.

4. Subject to Terms and Conditions, including additional limitations and exclusions contained in the BMO AIR MILES World Elite Travel and Medical Protection Certificate of Insurance, which is sent to new cardholders. Please refer to the Certificate for further details. Inclusive medical coverage is only applicable to cardholders under the age of 65. BMO Mastercard insurance benefits provided by Allianz Global Risks US Insurance Company (Canadian Branch).

5. Reward Miles will be earned on car rentals at participating National Car Rental and Alamo Rent A Car locations, on a per-transaction basis. The number of Reward Miles will be rounded down to the nearest whole number. Fractions of Reward Miles will not be awarded.

6. Ongoing interest rates, interest-free grace period, annual fees and all other applicable fees are subject to change. Cash advances includes Balance Transfers, cash-like transactions and Mastercard cheques. Visit your branch; call the BMO Customer Contact Centre at 1-800-263-2263, or visit bmo.com/creditcards for current rates and fees.

7. BMO AIR MILES World Elite Mastercard (“Credit Card”) applications must be received between April 1, 2019 until October 31, 2020 (the “Offer Period”) to be eligible for the following Bonus Miles and Annual Fee Waiver offers (each an “Offer” and collectively the “Offers”):
   AIR MILES Bonus Miles Offer: Receive 1,000 Bonus Miles after your first purchase using your Credit Card. Bonus Miles will be credited to the primary Credit Cardholder’s AIR MILES Collector Account within forty-five (45) days of purchase. Receive an additional 2,000 Bonus Miles when you spend a minimum of $3,000 (less refunds and excluding cash advances, cash-like transactions, interest charges, fees, credit or debit adjustments) on purchases using the Credit Card within the first three (3) months from the Credit Card open date. The additional Bonus Miles will be credited to the primary Credit Cardholder’s Collector Account within sixty (60) business days following the qualifying $3,000 spend. All Bonus Miles are credited in accordance with the set balance preference (between AIR MILES Cash and AIR MILES Dream balances) at the time of posting. The AIR MILES Bonus Miles Offer is subject to the AIR MILES Reward Program Terms and Conditions. Limit of one AIR MILES Bonus Miles Offer per Collector Number.
   Annual Fee Waiver Offer: The primary cardholder annual fee of $120 will be waived for the first year. After the first year, the annual fee will appear on your Credit Card statement twelve (12) months after the Credit Card open date. The Annual Fee Waiver Offer does not apply to the Additional Card annual fee.
   These offers are subject to change or can be withdrawn without notice. Existing BMO AIR MILES World Elite Mastercard customers who cancel their card during the “Offer Period” and existing BMO Mastercard customers who transfer into this Credit Card product during the “Offer Period” are not eligible for the Offers. If the Credit Card is cancelled within ninety (90) days from the date it was opened, all Miles earned within that period will be cancelled.

8. 1,000 AIR MILES® Bonus Miles offer is limited to new accounts. Applications must be received between January 15, 2019 until October 31, 2020 (“Offer Period”). Existing BMO AIR MILES Mastercard customers who cancel their card during the Offer Period, and existing BMO Mastercard customers who transfer into this product during the Offer Period are not eligible. 500 Bonus Miles will be applied to your AIR MILES Collector Account within forty-five (45) days after your first card purchase. Additional 500 Bonus Miles will be awarded when you spend $1,000 in net card purchases (less refunds and excluding cash advances, cash-like transactions, interest charges, fees, credit or debit adjustments) in the first three (3) months from the account open date and will be applied to your Collector Account within forty-five (45) days after qualifying. All Bonus Miles will be credited in accordance with the set balance preference (between AIR MILES Cash and AIR MILES Dream Accounts) at the time of posting. Limit of one Bonus Offer per Collector Account. If you cancel your card within ninety (90) days of opening your account, the Bonus Miles will be cancelled. This offer may be changed, extended or withdrawn at any time without notice. Offer valid for applications submitted through airmiles.ca and eligible Partners only. This is an exclusive online offer and only available from BMO selected websites. Eligibility restricted to: 1) any airmiles.ca communication, 2) internal Sobey’s employees via intranet, and 3) any BMO communication. It is not available in BMO branches, BMO.com, or the Customer Care Centre.

9. 2x the Miles:  As of May 16, 2018, BMO AIR MILES Mastercard cardholders will earn 2 AIR MILES Reward Miles for every $20 in purchases at participating AIR MILES Partners. Participating AIR MILES Partners may be added or removed at any time without notice, visit https://bmoairmilesmastercard.airmiles.ca/en/home?vr=aqlo for current participating Partner details. Miles will be calculated on the total eligible cumulative purchases made at all participating AIR MILES Partners and credited to your account within 90 days after the end of the applicable statement period.  The number of Miles earned will be rounded down to the nearest whole number. Fractions of Miles will not be awarded. Eligible purchases are purchases charged to your credit card account (less refunds and excluding cash advances, cash-like transactions, interest charges, fees and credit or debit adjustments). The “2x the Miles” benefit is available on eligible purchases beginning May 16, 2018 and may be withdrawn or changed at any time without notice. The “2x the Miles” benefit is applicable to the following BMO Credit Card products with no annual fee: BMO AIR MILES Mastercard, BMO IGA AIR MILES Mastercard, BMO Sobeys AIR MILES Mastercard, BMO Shell AIR MILES Mastercard and BMO Affinity AIR MILES Mastercard cards. This benefit does not apply to any BMO AIR MILES Mastercard not named in the above list.

10. Exclusive 15% Flight Discount: Fly on any AIR MILES flight within North America for 15% fewer Reward Miles when you book through airmiles.ca or by calling 1-888-247-6453. For example, you could redeem a 1,500 Miles flight for only 1,275 Miles. If you have the BMO AIR MILES World Elite Mastercard, when you use your Miles for a flight in North America you will receive a 15% discount from the number of AIR MILES Reward Miles you would ordinarily require. North America includes flight travel within Canada and from Canada to the United States of America (USA), including Hawaii and Alaska. Flight travel to Puerto Rico, within the USA, and to and from Mexico are excluded. This benefit does not apply to Cash + Miles Rewards. For flight redemptions: There are no blackout periods. This benefit does not apply to the cash portion of the flight redemption (such as airport improvement fees and booking fees) or to the flight component of package vacations and cruises. The flight examples quoted are for low season, round-trip travel on economy flights under the regular AIR MILES flight offer. This benefit cannot be combined with any other offer. To use your Miles for Travel Rewards, you must have accumulated sufficient AIR MILES Reward Miles in your Dream Account. Collectors must pay applicable surcharges, fees and taxes on air travel Rewards. Travel Rewards may be subject to a minimum advance booking and availability from participating Suppliers. For complete details, see current Program Terms and Conditions available at airmiles.ca or the AIR MILES Customer Care Centre at 1-888-AIR MILES (in Toronto, 416-226-5171).

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