† Eligibility requirements: Subject to credit approval by Laurentian Bank (hereinafter the “Bank”). The offer is not valid if the client has no paid employment or retirement income other than from the government or has previously been involved in bankruptcy or insolvency proceedings. This promotional offer is valid from November 1, 2018, to March 31, 2019. Please see the enrolment form for the credit terms and conditions applicable to the card. New Laurentian Bank Visa EXPLORE cardholders must activate their card and make a purchase (no purchase minimum required) within 60 days of the date of the account opening to receive the credit worth 50% of the $110 annual fee and the 5,000 bonus points. Cash advances, fees (including annual or monthly fees, non-sufficient funds cheque charges, etc.), Visa cheques, balance transfers and transactions at automated banking machines are not deemed to be eligible purchases. Laurentian Bank Visa cardholders and additional cardholders who wish to move their existing account to the EXPLORE card are not eligible for the welcome offer. The $55 credit, equivalent to 50% of the $110 annual fee for the primary card, will be paid after 60 days from the date of the account opening, provided that a first purchase has been charged to the account. If a first purchase has been charged to the account, 5,000 bonus points will be awarded on the statement following the 60th day from the date of the account opening. When the bonus points are awarded and the credit is paid, the account must be open and in good standing (in particular, there can be no late payments or credit limit overruns). Use of the card confirms that you agree to the terms and conditions of this offer. This offer cannot be combined with any other offer. The Bank reserves the right to change or terminate this promotion at any time without notice.
1.  Subject to change and credit approval by Laurentian Bank. Annual fees are not reimbursable. For more information about the Laurentian Bank Visa card, including information about the credit rate, the grace period, charges other than interest or the date on which interest applies, consult the document entitled “Summary” when you apply.
2.  Not all merchants offer pre-authorized debits. Please contact your service provider to set up pre-authorized debits. Please refer to the Laurentian Bank Visa EXPLORE program rules to see if a purchase qualifies as rewards-eligible.
3.  A minimum of 10,000 points is required to obtain a travel credit, which is equal to a $100 rebate.
4.  Applicable to a term deposit, GIC, ActionGIC and mutual funds. Subject to the conditions and minimum investment amount of each product. Some conditions apply.
5.  Underwritten by Canassurance Insurance Company for the Public Transportation Vehicle Accident Insurance benefit, and by Industrial Alliance, Insurance and Financial Services Inc. and Canassurance Insurance Company for the other benefits. Only persons aged 75 years and under are eligible for medical care and services insurance. Maximum 31 days for cardholders 65 years of age or under and 15 days for cardholders over 65 years of age for medical care and services insurance. Some conditions apply. For more details, refer to the Distribution Guide.
6. Underwritten by Royal & Sun Alliance Insurance Company of Canada. Some conditions apply. For more details, refer to the Certificate of Insurance.
7.  Underwritten by the Industrial Alliance Pacific General Insurance Corporation and Canassurance Insurance Company. 90-day purchase insurance against theft or accidental damage for items purchased using your card, and extension of the manufacturer’s warranty up to a maximum of one year. Subject to the conditions applicable to each item. Some conditions apply. For more details, refer to the Distribution Guide.
8.  To benefit from this coverage, each cardholder and secondary cardholder must comply with the agreement governing the use of the Laurentian Bank Visa card, including conditions regarding the obligation to protect the PIN.
9.  Some conditions apply. Assur-payment^TM protection for Laurentian Bank Visa cards is underwritten by the Industrial Alliance Insurance and Financial Services inc. To be eligible, you must be aged 18 to 64 inclusively at the date of application, live in Canada and hold a Visa account in good standing. A monthly fee of $0.97 per $100 of balance used (plus QST) applies. Subject to change. For more details, refer to the Distribution Guide.
10.  Some conditions apply. A waiting period is applicable before benefit payments start: a) in the event of illness, 30 consecutive days for an insured who worked more than 20 hours of paid work in each of the four weeks preceding the beginning of the disability, and 90 consecutive days for an insured who worked less than 20 hours of paid work in each of the four weeks preceding the beginning of the disability and for successive periods of disability; b) in the event of loss of employment, 30 consecutive days following job loss. For more details, refer to the Distribution Guide.
11.  This rate applies only to amounts transferred from other credit cards to a Laurentian bank Visa card. This rate does not apply to cash advances. Processing fees of 2% of the transferred amount are charged. A minimum of $400 must be transferred to the account in order for this promotional rate to apply.