† 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 Infinite 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 $130 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 Infinite card are not eligible for the welcome offer. The $65 credit, equivalent to 50% of the $130 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 the account has additional cards, a $25 credit, equivalent to 50% of the annual fee for additional cards, 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.
3.  The account must be in good standing to receive cashback.
4.  A minimum of 10,000 points is required to obtain a travel credit, equal to a $100 rebate.
5.  Applicable to a term deposit, GIC, ActionGIC and mutual funds. Subject to the conditions and minimum investment amount of each product. Some conditions apply.
6.  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.
7.  Underwritten by Royal & Sun Alliance Insurance Company of Canada. Some conditions apply. For more details, refer to the Certificate of Insurance.
8.  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.
9.  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.
10.  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.
11.  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.
12.  Visa Infinite Concierge Service: The goods and services that cardholders request or otherwise choose to obtain through the Visa Infinite Concierge Service are provided by various third-party service providers unrelated to Visa. Visa does not endorse, review or qualify these service providers. Visa makes no representations or warranties (either express or implied) about, and assumes no responsibility or liability for, these service providers or their goods and services that may be obtained through the Visa Infinite Concierge. Neither Visa nor the card issuer is responsible for any claims or damages arising from use of any benefits or services provided by a third party. Visa cannot guarantee the successful fulfillment of cardholders’ requests in all instances. There is no fee for the Concierge’s services, however cardholders are responsible for the cost of any goods or services (including any related fees or costs) authorized by the cardholder and purchased by the Visa Infinite Concierge on the cardholder’s behalf. All costs will be charged directly to the cardholder’s Visa Infinite card.
13.  General terms and conditions for all benefits: You must be an eligible Visa Infinite cardholder with a valid Visa Infinite card to take advantage of the Visa Infinite benefits and services. Certain benefits require enrolment. Offers and benefits are non-transferable, and discounts cannot be combined with any other offer or discount. Neither Visa nor the Issuer of the card is responsible for any claims or damages arising from use of any benefits or services provided by a third party. Visa reserves the right to modify or cancel this offer or benefits at any time and without notice. All offers, benefits and services made available through Visa are subject to complete terms and conditions (available at www.visainfinite.ca/infinite/terms.jsp). The Visa Infinite Privacy Policy (available at www.visainfinite.ca/infinite/privacy.jsp) applies to all benefits and services that require enrolment through, or are otherwise provided by, the Visa Infinite Concierge Service 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.
14. 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 will be charged. A minimum of $400 must be transferred to the account in order for this promotional rate to apply.