Laurentian Bank Visa Infinite

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 Infinite program rules. to see if a purchase qualifies as rewards-eligible.
3.  The account must be in good standing to receive cashback.
4.  Applicable to a term deposit, GIC, ActionGIC, Multi-Rater GIC and mutual funds. Subject to the conditions and minimum investment amount of each product. Some conditions apply.
5.  Issued 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 to this hospital, medical and paramedical care and services insurance coverage. Maximum 31 days for cardholders 65 years of age or under and 15 days for cardholders over 65 years of age for the hospital, medical and paramedical care and services insurance coverage. Some conditions apply. For more details, refer to the summary of the insurance product and the insurance certificate.
6.  Underwritten by Chubb Insurance Company of Canada. Some conditions apply. For more details, refer to the summary of the insurance product and the insurance certificate.
7.  Issued by the Industrial Alliance Pacific General Insurance Corporation and Canassurance Insurance Company. 90-day purchase insurance warranty 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 summary of the insurance product and the insurance certificate.
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 terms and conditions apply. Assur -Payment^TM protection for Laurentian Bank Visa cards is issued 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 open and in good standing. A monthly fee of $0.97 per $100 of the monthly balance used applies. Subject to change. For more details, refer to the  summary of the insurance product and the insurance certificate.
10.  Some term and conditions apply. Details in the summary of the insurance product and the insurance certificate. A waiting period is applicable before benefit payments start: a) in the event of disability, 30 consecutive days for an insured who worked at least 20 hours of paid work in each of the four weeks preceding the beginning of the disability, and 90 consecutive days for successive periods of disability; b) in the event of loss of employment, 30 consecutive days following job loss.
11. Offered by Homewood Health Inc.
12.  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.
13.  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.
14.  General terms and conditions: The promotional interest rate applies only to minimum balance transfers of $400 made between February 9 and April 29, 2022, inclusive, provided your Laurentian Bank Visa account (the "Account") is open and in good standing. The promotional interest rate will only apply for a period of 9 months, starting on the day the balance transfer is applied to your Account. The promotional interest rate applies only to balance transfers on credit cards issued by other financial institutions to your Account. The promotional interest rate does not apply to purchases, fees, cash advances or any other charges posted to your Account during the promotional period. Each balance transfer is subject to a one-time processing fee of 2% of the amount transferred, which will be charged to your Account on the date the balance transfer is made. You may transfer a minimum balance of $400, and the amount transferred plus the balance transfer processing fee must not exceed 75% of the unused portion of the credit limit on your Account at the moment the transaction is processed. Balance transfers are available only for balances in Canadian dollars. Balance transfer transactions do not entitle you to reward program points or cashback, unless otherwise indicated by the Laurentian Bank. The current interest rate of 21.99% will come into effect the day following the expiration date of the promotional interest rate offer, indicated on the last page of your account statement, and will apply to all unpaid balances that were eligible for the promotional interest rate and to all new balance transfers. You will no longer be able to benefit from this promotional interest rate offer if you: i) do not make your minimum payment by the due date indicated on your account statement; or ii) fail to comply with any one of the terms and conditions stated in the agreement governing the use of your credit card. In such event, the promotional interest rate will be replaced by the current interest rate commencing on the first day of the following billing period and will apply to all new balance transfers made to your Account as well as any remaining balance (upon balance transfer).