You will earn 10% rewards on the first $2,000 in net eligible purchases when those purchases are posted to your account beginning on your account opening date and ending three statements after your account opening date. You will earn a bonus of an additional 8% rewards, for a total of 10% rewards at merchants classified by Visa Inc. and determined by Manulife Bank to be in the Health, Wellness & Medical Category, when those purchases are posted to your account beginning on your account opening date and ending three statements after your account opening date. You will earn a bonus of an additional 8.5% rewards, for a total of 10% rewards on purchases at merchants classified by Visa Inc. and determined by Manulife Bank to be in the Travel, Dining and Entertainment categories, when those purchases are posted to your account beginning on your account opening date and ending three statements after your account opening date. You will earn a bonus of an additional 9% rewards, for a total of 10% rewards on purchases at merchants not falling within the Health, Wellness, Medical, Travel, Dining or Entertainment categories when those purchases are posted to your account beginning on your account opening date and ending three statements after your account opening date. Purchases may take a few days or more to post to your account depending on the merchant. Purchases made but not yet posted within the three statement offer period are not eligible for the bonus. You will earn the standard rewards rates outlined in your Rewards Terms and Conditions once you reach the $2,000 promotional spending limit or after the three statement offer period, whichever comes first. All other terms of the Manulife Bank Rewards Terms and Conditions that apply to your account continue to apply during this promotional offer. This offer may be changed, terminated or suspended, in whole or part, at any time and cannot be combined with any other offer unless otherwise stated.
Your annual card fee of $139 will be waived in the first year only based on your account opening date. An annual fee of $50 for each additional user will still apply.
Only the Primary Cardholder may request a balance transfer. The promotional 1.99% annual interest rate (AIR) applies to any credit card balance transfer the client makes within 90 days of their account opening date, and will remain in effect for 180 days (6 months) from the transfer date. After the promotional period, the 1.99% rate on any promotional balances (including balances that remain unpaid after the offer ends) will increase to the regular interest rate for balance transfers. Interest applies from the date a transfer(s) is posted to the new Manulife Bank Credit Card Account. Balance transfers are subject to credit availability, must be repaid, and are administered according to the terms of the Cardholder Agreement. Your payments will be applied in accordance with the Application of Payments section indicated in your Cardholder Agreement. For greater clarity, if you pay more than the Minimum Payment, the payment would be applied proportionately across all categories making up the total balance including Balance Transfer balances at their promotional interest rate. For example, after your Minimum Payment is made, if your Purchases category had a balance of $300 and you have a Balance Transfer balance of $100 at a promotional rate for a total balance owing of $400, a $300 payment will be applied as follows: $225 will be applied to your Purchases category (75% x $300); and $75 will be applied to Balance Transfer category at the promotional rate (25% x $300). Balances transferred may only be used to pay a balance on a Canadian financial institution issued consumer credit card account that Manulife Bank approves. Balance transfers will be fulfilled in the order (the client/you) requested them and in accordance with the Cardholder Agreement. The total value of balance transfers cannot exceed the authorized credit limit on the credit card account. If the total value is greater, Manulife Bank may have to send only a partial payment to the last designated account / named creditor. A fee of 3% of the balance transfer amount will be charged to your account when the balance transfer amount is posted to your account. If you do not pay off your amount due in full by the due date, interest will be charged on the fee at the regular annual interest rate for purchases from the date the fee is posted to your account. This offer cannot be used to transfer a balance from another Manulife account, or to make a payment or deposit to another Manulife account. No rewards will be earned on the balance transfer. Offer may be changed or extended at any time.
You will earn 2% rewards on the first $25,000 you spend in each calendar year at merchants classified by Visa Inc. and determined by Manulife Bank to be in the Health, Wellness and Medical category. You will earn 1.5% rewards on the first $25,000 you spend in each calendar year at merchants classified by Visa Inc. and determined by Manulife Bank to be in the Travel, Dining and Entertainment categories. All other eligible purchases earn 1% rewards. The $25,000 annual spending limits will reset to zero on January 1st of each year. Terms, conditions and eligible merchant/merchant categories may change without notice. Rewards are earned on card purchases less returns and not on cash advances, interest, fees, service/transaction charges, balance transfers and payments.
You will earn 1.50% rewards on the first $15,000 you spend in each calendar year at merchants classified by Visa Inc. and determined by Manulife Bank to be in the Health, Wellness and Medical category. You will earn 1.00% rewards on the first $15,000 you spend in each calendar year at merchants classified by Visa Inc. and determined by Manulife Bank to be in the Travel, Dining and Entertainment categories. All other eligible purchases earn 0.50% rewards. The $15,000 annual spending limits will reset to zero on January 1st of each year. Terms, conditions and eligible merchant/merchant categories may change without notice. Rewards are earned on card purchases less returns and not on cash advances, interest, fees, service/transaction charges, balance transfers and payments.
Insurance is subject to exclusions, limitations and conditions. You should refer to the Certificates of Insurance included with the Cardholder Agreement for complete details on each benefit. You should read the Certificates of Insurance then keep the Cardholder Agreement in a safe place with other valuable documents and take it with you when you travel. Insurance is underwritten by The Manufacturers Life Insurance Company and First North American Insurance Company, a wholly owned subsidiary of Manulife. Manulife, PO Box 670, Stn Waterloo, Waterloo, ON N2J 4B8.
Visa Infinite – General Terms & Conditions: you must be an eligible Visa Infinite cardholder with a valid Visa Infinite Card to take advantage of the Visa Infinite benefits and services. Discounts and benefits are non-transferable and discounts cannot be combined with any other offer or discount. Visa reserves the right to modify or cancel offers at any time and without notice. Neither Visa nor the Issuer is responsible for any claims or damages arising from use of any benefits or services provided by a third party. All offers, benefits and services are subject to complete terms and conditions, including third party suppliers’ terms and conditions (available at visainfinite.ca/infinite/terms.jsp). The Visa Infinite privacy policy (available at visainfinite.ca/infinite/privacy.jsp) applies to all benefits and services that require enrolment through, or are otherwise provided by, the Visa Infinite Concierge or the Visa Infinite website. The collection, use and disclosure of cardholders’ personal information by third party suppliers of services and benefits to Visa Infinite Cardholders are subject to such third parties’ own privacy policies.
Manulife, Manulife Bank, Stylized M Design, Manulife Bank & Stylized M Design and Manulife Better Rewards are trademarks of The Manufacturers Life Insurance Company and are used by Manulife Bank of Canada under license.
Trademark of Visa Int., used under license.
