A119838-01 17720 BRO GuideMC-IG Platinum EN 4c · Travel with Freedom Solutions Banking TM PLATINUM...

9
Travel with Freedom Solutions Banking TM PLATINUM MASTERCARD® CREDIT CARD Cardholder’s Guide

Transcript of A119838-01 17720 BRO GuideMC-IG Platinum EN 4c · Travel with Freedom Solutions Banking TM PLATINUM...

Page 1: A119838-01 17720 BRO GuideMC-IG Platinum EN 4c · Travel with Freedom Solutions Banking TM PLATINUM MASTERCARD® CREDIT CARD Cardholder’s Guide CYAN MAGENTA DIE CYAN YELLOW BLACK

Travel with Freedom

Solutions BankingTM

PLATINUM MASTERCARD®CREDIT CARD

Cardholder’s Guide

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Page 2: A119838-01 17720 BRO GuideMC-IG Platinum EN 4c · Travel with Freedom Solutions Banking TM PLATINUM MASTERCARD® CREDIT CARD Cardholder’s Guide CYAN MAGENTA DIE CYAN YELLOW BLACK

À LA CARTE REWARDS PLAN .....................................04

REASSURING PROTECTION ......................................08 • Purchase Protection .............................................08 • Vehicle Rental Insurance ........................................08 • Travel Insurance ...................................................09 • Assistance Services ............................................... 10 • Mastercard Global Service ...................................... 11

COMPLEMENTARY BENEFITS .....................................12 • Optional Overdraft Protection .................................12 • Automatic Bill Payments ........................................12 • Optional Travel Insurance ......................................12 • Preauthorized Debits ...............................................13 • Additional Cards ...................................................13 • Balance Transfers .................................................13 • Automated Services ..............................................13 • Cash Advances ....................................................... 13 • Mastercard’s Zero Liability...................................... 14 • Mastercard Online ................................................ 14 • Mastercard SecureCode® ......................................... 14 • Payment Insurance ............................................... 14

IMPORTANT CONTACT INFORMATION .........................15 Travel withFreedom

With the Solutions Banking Platinum Mastercard you’ll benefi t from a generous À la carte Rewards Plan that gives you the opportunity to invest and fl exibility to travel on your own terms.

® MASTERCARD and MASTERCARD SECURECODE are registered trademarks of Mastercard International Inc. National Bank of Canada is an authorized user.

Program content and conditions outlined in this guide are subject to change.CY

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Page 3: A119838-01 17720 BRO GuideMC-IG Platinum EN 4c · Travel with Freedom Solutions Banking TM PLATINUM MASTERCARD® CREDIT CARD Cardholder’s Guide CYAN MAGENTA DIE CYAN YELLOW BLACK

À la carte Rewards Plan®

Invest in your futureThe Solutions Banking Platinum Mastercard off ers you a way to build your investments by converting À la carte points into savings. This can help you save toward retirement, your child’s education or achieve any other investment goal you may have.

For more information on what qualifi es and how this reward option can support your plan, talk with your Investors Group Consultant.

Travel your way, with no restrictionsThe Solutions Banking Platinum Mastercard allows you to travel where and when you want, with no restrictions. You choose the destination, the means of transportation, the carrier, travel dates, travel agency or airline.

Charge your trip to your Solutions Banking Platinum Mastercard and redeem your points for a travel discount on myalacarterewards.ca within 60 days of your purchase. Apply your travel discounts however you wish: airline ticket, car rental, hotel, cruise and more.

Your Solutions Banking Platinum Mastercard can help you invest and travel without restrictions as well as order brand-name merchandise and gift cards, all thanks to the generous À la carte Rewards Plan.

The points accumulated will be posted to your account once a month, provided your account is in good standing* on the statement date.

Get the rewards you wantYou get 1 point for every dollar in purchases you make with your Platinum Mastercard and 2 points for every dollar in purchases you make with the À la carte TravelTM online agency. You can then redeem your accumulated À la carte points for a wide variety of rewards, including investment products, travel, gift certifi cates or brand-name merchandise**.

To redeem your points for travel or merchandise rewards, obtain the balance of your À la carte points or for more information, visit myalacarterewards.ca. Ordering online is the simple, user-friendly and safe way to order your rewards. The online Boutique is accessible 24 hours a day, 7 days a week.

* Your account is in good standing when you comply with the obligations of your cardholder agreement (e.g., making your minimum payment by the due date).

** Points cannot be redeemed until they appear on your monthly statement’s accumulated point balance.

TM À LA CARTE TRAVEL is a trademark of National Bank of Canada. The À la carte Travel agency is managed by Transat Distribution Canada Inc. and holds a Quebec permit (no. 753141).

® À LA CARTE REWARDS PLAN is a registered trademark of National Bank of Canada.

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Page 4: A119838-01 17720 BRO GuideMC-IG Platinum EN 4c · Travel with Freedom Solutions Banking TM PLATINUM MASTERCARD® CREDIT CARD Cardholder’s Guide CYAN MAGENTA DIE CYAN YELLOW BLACK

Enjoy even more with the À la carte Travel online agencyTake advantage of additional benefi ts by booking your trip through the À la carte Travel online agency:

• Earn 2 points for every dollar spent, when using your Platinum Mastercard to make purchases through the À la carte Travel online agency.

• Reduce the cost of your package or airfare by paying a part or all of your purchase with À la carte points.

• Access all the products and services typically off ered by well-known travel agencies and tour operators.

• Benefi t from a more generous point exchange grid by booking through the agency.

Book your trip online by visiting the Travel section on myalacarterewards.ca. You can also contact our experts* to obtain advice by calling 1-800-561-3653.

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To redeem points or obtain more information about the À la carte Rewards Plan, visit myalacarterewards.ca.

À la carte Rewards Plan

* Fees apply if you book your trip by phone.

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Page 5: A119838-01 17720 BRO GuideMC-IG Platinum EN 4c · Travel with Freedom Solutions Banking TM PLATINUM MASTERCARD® CREDIT CARD Cardholder’s Guide CYAN MAGENTA DIE CYAN YELLOW BLACK

The following section provides an overview of the insurance and assistance program* available with the Solutions Banking Platinum Mastercard. Insurance coverage begins the moment the purchase is charged to your Solutions Banking Platinum card.

Purchase ProtectionPurchase InsuranceMost personal items purchased using your card are protected against theft and damage for one hundred and eighty (180) days following the date of purchase. Depending on circumstances, the item can be replaced, reimbursed or repaired.

Extended WarrantyThe Extended Warranty triples the manufacturer’s coverage, where applicable, for up to two (2) additional years on most new items purchased with your card in Canada or abroad, so long as the manufacturer’s warranty exists and is valid in Canada.

Vehicle Rental InsuranceCoverage for Collision, Theft or Damage to a Rental VehicleYou benefi t from complete coverage in case of collision, theft or damage to a vehicle rented with your card for a period of forty-eight (48) days or less, up to $65,000.

Travel InsuranceTrip Cancellation InsuranceYou, your partner and any dependent children travelling with you will be covered if an unforeseeable event prevents or delays your trip, up to a maximum of $1,250 per person.

Travel Interruption InsuranceYou, your partner and any dependent children travelling with you will be covered if an unforeseeable event causes an interruption in your travel, up to a maximum of $2,500 per person.

Flight Departure Delay InsuranceThis insurance covers each insured person (you, your partner and any dependent children travelling with you) up to $500 for any fl ight departure delay of more than four (4) hours. In the case of a delay of more than 6 hours during connecting fl ights, the maximum indemnity is $2,500 per person.

Baggage InsuranceYour baggage as well as that of your partner and any dependent children travelling with you is covered against theft , burglary, disappearance or vandalism, up to a maximum of $1,000 per person. This insurance also provides for a maximum of $500 in coverage per insured person in case your checked luggage is delayed for more than six (6) hours.

Travel InsuranceYou benefi t from insurance of up to $500,000 in the event of accidental death or dismemberment while on board a common carrier. This coverage also applies to your spouse and dependent children travelling with you. * Certain conditions and restrictions apply. Refer to the Insurance 713705-4

and Assistance Program, available online, for complete details. Insurance and assistance services are provided by National Bank Life Insurance Company and CanAssistance Inc. For residents of Alberta, the insurer is Canassurance, Insurance Company.

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Reassuring Protection

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Page 6: A119838-01 17720 BRO GuideMC-IG Platinum EN 4c · Travel with Freedom Solutions Banking TM PLATINUM MASTERCARD® CREDIT CARD Cardholder’s Guide CYAN MAGENTA DIE CYAN YELLOW BLACK

Assistance ServicesMedical and General AssistanceIn the event of an accident, wherever you are in the world, you can obtain at all times:

• all the assistance required in case your identifi cation papers are lost or stolen;

• the name, address and phone number of a hospital;

• the assistance required to coordinate the return of your dependent children if you are hospitalized (costs to be charged to the cardholder’s account);

• information on embassies and consulates as well as information on visas and vaccines before your departure;

• information on the steps to take to submit a claim to your provincial health care plan;

• in case of an emergency while abroad, wire transfers of up to $5,000 in funds charged to your credit card account (subject to credit availability);

• assistance with replacing tickets or other indispensable travel documents that have been lost or stolen while travelling.

Legal AssistanceShould you encounter legal diff iculties outside your province of residence, you can receive:

• a referral to a local legal advisor;• assistance in taking the necessary steps to obtain

up to $5,000 to settle a bail bond or legal fees.

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Mastercard Global ServiceIf your Solutions Banking Platinum Mastercard is lost or stolen when travelling, you will receive all the assistance you need to:

• report a lost or stolen card; • receive a temporary card; • get cash advances in a matter of hours, almost

anywhere in the world (subject to credit availability).

You’ll fi nd the toll-free number for this service online, at your hotel or in the local telephone directory under “Mastercard Global Service”.

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Page 7: A119838-01 17720 BRO GuideMC-IG Platinum EN 4c · Travel with Freedom Solutions Banking TM PLATINUM MASTERCARD® CREDIT CARD Cardholder’s Guide CYAN MAGENTA DIE CYAN YELLOW BLACK

Optional Overdraft ProtectionSimply by linking your current Solutions Banking and/or National Bank accounts to your Solutions Banking Platinum Mastercard, you can activate overdraft protection on your card. To do so, call 1-877-999-7575, toll-free.

Automatic Bill PaymentsBy using your Solutions Banking Platinum Mastercard for automatic bill payments, you’ll not only avoid late payments for monthly bills like phone and cable services, you’ll also eliminate the monthly hassle of managing your bill payments.

Optional Travel Insurance*Your Solutions Banking Platinum Mastercard off ers substantial discounts on certain types of travel insurance when they are paid for in full with your Solutions Banking Platinum Mastercard. You can choose from the following two types of travel insurance:

Obtain a Discount of Up to 20%Your Solutions Banking Platinum Mastercard provides discounts of up to $200 on any insurance (minimum premium of $25), according to the following:

• Short-term travel insurance (thirty (30) days or less): up to 20% discount

• Long-term travel insurance (thirty-one (31) days or more): up to 10% discount

| 12 | | 13 |

Preauthorized DebitsWith preauthorized debits, your Solutions Banking Platinum Mastercard account payments (depending on the payment method you choose) can be automatically withdrawn from your account, at no cost to you.

Additional CardsYou may obtain an additional Solutions Banking Platinum Mastercard (up to three (3) cards), for your spouse or anyone else. The À la carte points earned with these cards will be automatically added to your account. Annual fees apply for each additional card issued.

Balance Transfers**Avoid the problems of trying to manage several accounts at the same time by transferring the balances of your other credit cards to your Solutions Banking Platinum Mastercard.

Automated ServicesYou can assign a personal identifi cation number (PIN) to your new Solutions Banking Platinum Mastercard. This enables you to access all your Solutions Banking and/or National Bank accounts at all times using bank machines in the Interac® and Cirrus® networks. Network usage fees apply.

Cash Advances**Your Solutions Banking Platinum Mastercard gives you easy access to cash advances right around the world. Interest is calculated from the day the cash advance is made.To benefi t from these discounts, you must apply for

one of the travel insurance options (1 or 2) described above by calling one of the following numbers:• In Canada: 1-800-240-8424• Montreal and area: 514-286-8424

* Optional travel insurance is off ered by Canassurance, Insurance Company. Fees apply.

** Subject to the terms of the Agreement governing the use of the Mastercard credit card issued by National Bank of Canada.

® INTERAC is a registered trademark of Interac Inc. Used under licence. ® CIRRUS is a registered trademark of Mastercard International Inc.

National Bank of Canada is an authorized user.

Complementary Benefits

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Page 8: A119838-01 17720 BRO GuideMC-IG Platinum EN 4c · Travel with Freedom Solutions Banking TM PLATINUM MASTERCARD® CREDIT CARD Cardholder’s Guide CYAN MAGENTA DIE CYAN YELLOW BLACK

Mastercard’s Zero LiabilityIn the event of unauthorized use of your card, you’re protected by Zero Liability for all purchases made with your card in store, online and over the phone. Certain conditions apply. Visit mastercard.ca for more information.

Mastercard OnlineYou can obtain online information about your account balance and available credit, including all transactions made since your last statement by visiting investorsgroup.com and clicking on “Sign in” and then “Solutions Banking”.

Mastercard SecureCodeMastercard’s free SecureCode service provides you with even more protection online. Your Mastercard SecureCode is a confi dential number — known only to you and your fi nancial institution — that you enter every time you make a purchase online at a participating merchant. You can obtain your own Mastercard SecureCode through any participating retailer’s website.

For more information on preauthorized debits, additional cards, balance transfers and automated services, call 1-888-969-2273, toll-free, or 514-394-1427 and speak with a customer service representative.

Payment InsuranceYou can also take advantage of optional protection, which ensures that your minimum monthly payments are made or that your account balance is paid off , according to your situation. To take advantage of this coverage, simply call 1-877-871-7500 or 514-871-7500.

| 14 | | 15 |

Important Contact Information24-Hour Customer Service> In Canada or the U.S. ...........................................1-888-969-2273

> Collect from elsewhere in the world .....................514-394-1427

> Fax .................................................................................514-394-4018

To Report a Lost or Stolen Card> In Canada or the U.S. ........................................... 1-800-361-0070

> Collect from elsewhere in the world .....................514-281-3159

À la carte Rewards Centre> In Canada or the U.S. ...........................................1-800-341-8083

> Collect from elsewhere in the world .................... 514-847-8280

> Website ........................................................myalacarterewards.ca

InsuranceFor all claims> Outside Montreal area ......................................... 1-888-235-2645> Montreal area .............................................................514-286-8345

For assistance> In Canada or the U.S. ........................................... 1-888-235-2645> Collect from elsewhere in the world ....................514-286-8345

Purchasing optional travel insurance> Outside Montreal area ......................................... 1-800-240-8424> Montreal area ............................................................. 514-286-8424

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Page 9: A119838-01 17720 BRO GuideMC-IG Platinum EN 4c · Travel with Freedom Solutions Banking TM PLATINUM MASTERCARD® CREDIT CARD Cardholder’s Guide CYAN MAGENTA DIE CYAN YELLOW BLACK

For more information, contact us at:

514-394-14271-888-969-2273

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For more information, contact us at:—1-888-969-2273514-394-1427

TM Solutions Banking is a trademark of Power Financial Corporation. Banking products and services are provided by National Bank of Canada, a licensed user of this trademark. Investors Group and design are trademarks owned by IGM Financial Inc. and licensed to its subsidiary corporations.

© 2018 National Bank of Canada. All rights reserved. Any reproduction, in whole or in part, is strictly prohibited without the prior written consent of National Bank of Canada.

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