Turn everyday purchases into cash rewards - Benefits Guide
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BMO® CashBack® Benefits Guide MasterCard®* Turn everyday purchases into cash rewards.
Welcome Your card Additional options
Earn more CashBack every day, everywhere, With your BMO CashBack MasterCard, reward You can add any of the following features to your
with your new BMO CashBack MasterCard. yourself with CashBack on all your purchases. BMO MasterCard.
Your card includes a number of built-in features for The more you spend, the more you earn – with no For full details, visit bmo.com/creditcards or call
your convenience and protection, as well as security limits or restrictions on your cash rebate. And since 1-800-263-2263 to discuss which option is best for you.
measures to ensure you and your card are protected. you can use your card at nearly 30 million locations
worldwide, that’s more buying power every time Travel and Medical Protection3
Inside this guide, you’ll find details about the features We offer optional protection and assistance features for
you use your card.
and benefits included with your new card, plus some you and your family when you travel throughout the year,
options for your added protection at home and away. whether it’s just a weekend away or that dream vacation.
BMO Roadside Assistance
Take worry-free road trips anywhere in Canada or
Included benefits mainland U.S. With this roadside service provided by
Dominion Automobile Association (DAA), you’re one
Visit us at bmo.com/creditcards
phone call away from towing, jump-starts, lockout
CashBack Reward
Questions 1-800-263-2263 assistance or whatever emergency service you may need.
1.0% CashBack on all of your card purchases1.
That’s $1.00 back for every $100 you spend BMO Credit Card Balance Protection4
TTY (for the deaf and hard of hearing) 1-866-859-2089 throughout the year. Helps protect you and your family in case of
unexpected events by insuring the balance on your
BMO MasterCard. The premium for BMO MasterCard
National Car Rental®†† and Alamo Rent A Car®** Credit Card Balance Protection is 94 cents for each
Receive up to 25% discount at participating locations2. $100 of your total average daily balance (plus
applicable provincial taxes).
Additional cards
Add an additional cardholder to your credit card
account for FREE and earn even more CashBack.
Included benefits MasterCard SecureCode™* Added value
MasterCard SecureCode offers you a more secure
Your BMO MasterCard comes loaded with these MasterCard Contactless™*
Internet shopping experience when you use your
valuable features: Your BMO MasterCard lets you make purchases at
BMO MasterCard online. Register for your personal
MasterCard SecureCode today at bmo.com/securecode. contactless terminals without having to swipe your
card. Simply “Tap” your card with contactless on the
Extended Warranty5 terminal and away you “Go.” For more information,
Convenient bill payment Save the cost of buying optional extended warranty visit mastercard.ca/tapandgo.
insurance on your next purchase by paying with your
Payment Options For additional convenience, order a Mobile Tag,
BMO credit card. This coverage doubles the original
which sticks to the back of your mobile device.
Use the following options to transfer manufacturer’s warranty period up to a maximum of
Register to receive email transaction notifications
funds from your BMO bank account: one additional year.
on all of your Tap & Go™*purchases. For more details,
• BMO ATM
Purchase Protection5 visit bmo.com/mobiletag.
• BMO Online, Mobile & Telephone Banking:
Get added protection – items bought with your card are
Call 1-800-363-9992 BMO Pay-as-you-go RoadAssist
automatically insured against theft or damage for 90
or visit bmo.com to register. Provided by Dominion Automotive Association (DAA),
days from date of purchase.
this pay-as-you-go roadside service is available on
Pre-authorized debit: automatic monthly For full details on Extended Warranty and Purchase almost all roads in Canada and the U.S. For full details
payments from your BMO account or an Protection, please refer to the certificate you received visit bmo.com/roadassist.
account at any financial institution in Canada. with your card.
Call 1-800-263-2263 or visit eStatements and eStatement alerts
Identity theft recovery Securely view your eStatements for your BMO
BMO Online Banking to enrol.
Should you become a victim of identity theft, call MasterCard account anytime through BMO Online
• Mail
IDefence®§ toll-free at 1-866-323-7187, available Banking. Sign up to receive alerts by email or text
• In person: at any BMO Bank of Montreal branch
around the clock. Specialists will help you find the message so you know when your eStatements are
fastest and most efficient way to restore your financial ready for viewing. eStatement Alerts will help you
information and restore your personal reputation.
Security and protection keep on top of your credit card payments.
Worldwide support Travel notification
If you have an emergency virtually anywhere in the Whenever you travel outside of Canada, it’s important
world, you can contact the MasterCard Assistance to let us know if you’ll be using your BMO MasterCard.
Centre 24 hours a day: You can provide us with your travel plans online so
we can help reduce potential issues with international
• 1-800-247-4623 (within Canada and the U.S.)
transactions, and we’ll know to expect out-of-country
• 314-275-6690 (outside North America, call collect) charges on your credit card. Quick and easy to use, it’s
Attached to the back of this guide is a wallet-sized card available 24/7 through BMO Online Banking.
that includes all contact information.
Chip technology
Every BMO Bank of Montreal® credit and debit card
is embedded with a microchip that requires a PIN
for transaction verification, which offers added
protection against unauthorized use of your card.
Visit bmo.com/chip for more details.
Complaint resolution Step 4
If your complaint has been reviewed by BMO’s
We hope you’ll never have a complaint about your Ombudsman and you are not satisfied with the
BMO CashBack MasterCard or its features, but if you recommendation on your complaint, you have 180
do, we encourage you to contact us so that we can days after receiving this recommendation to contact
work together to find a solution. the Ombudsman for Banking Services and
Here are the four steps you can follow: Investments (OBSI).
Step 1 Ombudsman for Banking Services and Investments
Talk to a Customer Contact Centre representative. 401 Bay Street, Suite 1505
If your complaint is not resolved, please involve P.O. Box 5, Toronto, ON M5H 2Y4
the supervisor. Call: 1-888-451-4519
Call: 1-800-263-2263 Fax: 1-888-422-2865
TTY: 1-866-859-2089 Email: ombudsman@obsi.ca
or write to: www.obsi.ca
Senior Manager, Customer Contact Centre
BMO Bank of Montreal - Customer Contact Centre
P.O. Box 3400, RPO Streetsville
Financial Consumer Agency of Canada
Mississauga, ON L5M 0S9 The Financial Consumer Agency of Canada (FCAC)
Fax: 1-877-887-9991 (English) supervises federally regulated financial institutions to
Fax: 1-877-227-6428 (Français) ensure they comply with federal consumer protection
laws. For example, financial institutions are required
Step 2
to provide consumers with information about
If your complaint is unresolved after following Step 1,
complaint handling procedures, fees and interest rates.
you may contact:
If you have a complaint about a potential violation of
Office of the Head, Channel Strategies and Solutions a consumer protection law, you may contact the FCAC
BMO Bank of Montreal in writing at:
P.O. Box 3400, RPO Streetsville
Financial Consumer Agency of Canada
Mississauga, ON L5M 0S9
6th Floor, Enterprise Building
Call: 1-800-372-5111
427 Laurier Avenue West,
Fax: 1-866-868-1827
Ottawa, Ontario K1R 1B9
Step 3 Call: 1-866-461-FCAC (3222) English
If your complaint is still unresolved after following Step 1-866-461-ACFC (2232) Français
1 and 2, you may escalate to BMO Financial Group’s Fax: 1-866-814-2224
Ombudsman for further review of your complaint. www.fcac-acfc.gc.ca
BMO Financial Group Ombudsman
BMO Financial Group
1 First Canadian Place
P.O. Box 150, Toronto, ON M5X 1H3
Call: 1-800-371-2541
Fax: 1-800-766-8029
Email: bmo.ombudsman@bmo.comZero Liability Protection6 for Safeguarding your card,
lost & stolen cards PIN and cheques
With BMO MasterCard, you have peace of mind Please take care to safeguard your card, PIN and
knowing that you won’t be held responsible for credit card cheques against loss, theft or misuse.
“unauthorized purchases,” be it in the store, over To safeguard your PIN:
the telephone or online. With Zero Liability • You must not voluntarily disclose your PIN.
Protection, if someone uses your card without • You must keep your PIN separate from your card.
your authorization, you are not liable if: • You must not choose a PIN selected from your
• you did not contribute to the unauthorized use name, date of birth, telephone numbers, address
• you used reasonable care to safeguard your card or social insurance number.
and PIN When inputting your PIN into an ATM or point-of-sale
• you notified us by telephone within 24 hours after terminal, telephone or computer in public areas,
you learned of the loss, theft or misuse of your please take reasonable precautions, such as ensuring
card, or cheques or after you knew or suspected that no one is watching you by using your body or
that someone else knows your PIN hand as a shield in order to conceal your PIN from
• you haven’t reported two or more unauthorized the view of others.
transactions in the last 12 months, and
• your account is in good standing. We encourage you to be cautious of websites, online
services, callers or other parties that pretend to be
If you don’t meet these criteria, you will be liable Bank of Montreal (or a subsidiary) that ask for this
for all charges incurred in connection with the information or purport to bring together, summarize,
unauthorized use. aggregate or consolidate your financial data and other
information that is currently available to you online.
You must notify us by telephone within 24 hours if
you learn of the loss, theft or misuse of your card
or cheques, or if you know or suspect that someone
else knows your PIN.The information in this booklet is correct as of May 13, 2015, and
is subject to change.
1
Offer is cumulative over the statement period. Award of CashBack
rewards is made for purchases charged to your account (less
refunds and excluding cash advances, cash-like transactions,
interest charges, fees, payments, and credit or debit adjustments)
and is subject to the CashBack Rewards Terms and Conditions.
The number of CashBack rewards will be rounded down to the As a BMO® CashBack® MasterCard®* cardholder:
nearest cent. • Save up to 25% on car rentals at participating locations.
2
The contract ID number (3717122 for National Car Rental and When booking directly with National Car Rental or Alamo Rent A Car,
7014883 for Alamo Rent A Car) must be included when making a quote the applicable Contract ID code*:
car rental reservation in order to receive discounts. Discount applies
to basic rate, which does not include governmentally-authorized or
imposed surcharges, license recoupment/air tax recovery fees or
optional items. Offer is subject to standard rental conditions.
Blackout dates may apply. Not valid with any other discount National Car Rental: 3717122 Alamo Rent A Car: 7014883
or promotional rate. Subject to availability and good only at 1-800-227-7368 | nationalcar.ca 1-800-462-5266 | alamo.ca
participating National Car Rental & Alamo Rent A Car locations.
Subject to change without notice. 24-hour advance reservations *Discount applies to base rate only, which does not include taxes, governmentally-authorized
or imposed surcharges, license recoupment/air tax recovery fees or optional items. Contract
required. ID 3717122 at National Car Rental and Contract ID 7014883 at Alamo Rent A Car must be
3
Subject to terms and conditions, including limitations and included at the time of reservation. Offer is subject to standard rental conditions. Blackout
dates may apply. Not valid with any other discount or promotional rate. Subject to availability
exclusions, contained in the Certificate of Insurance. Please refer and good only at participating locations. Subject to change without notice. 24-hour advance
to the Certificate for further details. BMO MasterCard insurance reservations required. Discount varies by rental date, location and vehicle type.
benefits provided by Allianz Global Risks US Insurance Company
(Canadian Branch). Not available to residents of Quebec.
4
The premium is $0.94 per $100 of your total average daily balance
for the billing cycle plus applicable provincial taxes. This average
daily balance is obtained by adding up your credit card account
balances from the end of each day in the billing cycle, including
any interest and other charges. That amount is then divided by the
number of days in the billing cycle to get the total average daily
®
Registered trademark of Bank of Montreal.
™*/®* Trademarks/registered trademarks of MasterCard International Incorporated.
balance. Subject to Terms and Conditions, including limitations and ®§
IDefence is a registered trademark of Davis + Henderson, Limited Partnership.
exclusions contained in the BMO Credit Card Balance Protection ®††
National, the “flag” and Emerald Club are trademarks of
Certificate of Insurance. Please refer to the Certificate for further Vanguard Trademarks Holding USA, LLC.
details. Insurance benefits provided by The Manufacturers ®
** Alamo is a trademark of Vanguard Trademarks Holdings USA, LLC.
Life Insurance Company for life, critical illness, total disability, ®±*
Registered trademark of Formulating Change Inc.
hospitalization, and terminal illness care giving benefits and First
North American Insurance Company for the job loss benefit.
5
Purchase Protection and Extended Warranty Insurance benefits
provided by Allianz Global Risks US Insurance Company (Canadian
Branch).
6
If your card is used without your authorization, you will not be
liable if you did not contribute to the unauthorized use; you used
reasonable care to safeguard your card and PIN; you notified us
by telephone within 24 hours after you learned of the loss, theft
or misuse of your card or cheques or after you knew or suspected
that someone else knows your PIN; you haven’t reported two
or more unauthorized transactions in the last 12 months; and
your account is in good standing. If you don’t meet these criteria,
you will be liable for all charges incurred in connection with the
unauthorized use.Cut out the card below and keep it handy in case you need to reach us.
BMO Mastercard Contact Information
Check your account online
bmo.com/creditcards
Questions
1-800-263-2263
TTY (for the deaf and hard of hearing)
1-866-859-2089
Lost or Stolen Cards/ Emergency Card Services
1-800-361-3361
514-877-0330 (collect)
ChangeIt®±* is a convenient way
to help those in need. When you
make a purchase with your BMO
credit card, you can round up your
purchase price and donate the difference.
You choose the charities and how much you’d like
to give. ChangeIt will do the rest. Your donation goes
directly to your chosen charities, and the charities will
issue annual tax receipts.
To enrol your credit card, register at changeit.ca.
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