BMO Bank of Montreal - Credit Cards - Terms & Conditions
BMO Bank of Montreal

Terms & Conditions

Shell Gold AIR MILES MasterCard from BMO
Shell AIR MILES MasterCard from BMO
Shell Premium CashBack MasterCard from BMO
Shell CashBack MasterCard from BMO

Shell Gold AIR MILES MasterCard from BMO

  1. Bonus offer is limited to new accounts and is awarded after your first Shell Gold AIR MILES MasterCard purchase. Applications must be received by August 31, 2012.  Limit one Bonus offer per Account. The Bonus reward miles will be applied to your Collector account within 45 days after your first card purchase. If you cancel your card within 30 days of opening your account and your annual fee is rebated, the Bonus AIR MILES reward miles will be cancelled.
  2. A short haul flight is a return flight with origin and destination within the same province having a departure date during low season of Jan 8-Feb 28; Apr 1 – May 31; Sept 16 – Dec 15. All Rewards offered are subject to the Terms and Conditions of the AIR MILES Reward Program, are subject to change and may be withdrawn without notice. To redeem for Travel Rewards, you must have accumulated sufficient AIR MILES reward miles in your Dream Balance. Collectors must pay taxes, fuel surcharges and other applicable charges and fees on air travel Rewards. Travel Rewards may be subject to a minimum advance booking and availability from participating Suppliers. For complete details, see current Program Terms and Conditions available at airmiles.ca or call the AIR MILES Customer Care Centre at 1-888-AIR MILES (in Toronto (416) 226-5171). 
  3. Award of AIR MILES reward miles is made for purchases charged to your account (less refunds) and is subject to the Terms and Conditions of your BMO MasterCard Cardholder Agreement. The number of reward miles will be rounded down to the nearest whole number. Fractions of reward miles will not be awarded.
  4. Reward miles will be earned on car rentals at participating National Car Rental and Alamo Rent A Car locations worldwide, on a per-transaction basis. The number of reward miles will be rounded down to the nearest whole number. Fractions of reward miles will not be awarded.
  5. If you have the Shell Gold AIR MILES MasterCard from BMO, when you redeem AIR MILES reward miles for a flight or AIR MILES® My Planet™ Reward you will receive a 25% discount from the number of AIR MILES reward miles you would ordinarily require. This benefit does not apply to Cash + Miles™ Rewards. For flight redemptions: There are no blackout periods. This benefit does not apply to the cash portion of the flight to the flight redemption (such as fuel surcharges, airport improvement fees and booking fees) or to the flight component of package vacations and cruises. This benefit cannot be combined with any other offer.
  6. Important details, including additional limitations and exclusions of BMO Travel Protection are contained in the booklet that will follow under separate cover with your BMO MasterCard. Insurance benefits provided by Alliance Global Risks US Insurance Company.
  7. Ongoing interest rates, payment grace days and annual fees are subject to change. See your branch or visit bmo.com/mastercard for current rates.
  8. Contract code 3717122 at National Car Rental and contract code 7014883 at Alamo Rent A Car must be included with reservation in order to receive discounts. Discount applies to basic rate, which does not include governmentally-authorized or imposed surcharges, license recoupment/air tax recovery fees or optional items. Offer is subject to standard rental conditions. Blackout dates may apply. Not valid with any other discount or promotional rate. Subject to availability and good only at participating National Car Rental & Alamo Rent A Car locations. Subject to change without notice. 24-hour advance reservations required.
  9. The Low Interest Rate Option may be subject to additional credit granting criteria. Not all applicants may qualify. If you do not qualify for the Low Rate Option, you’ll be provided the standard ongoing interest rate.
  10. You will benefit from an interest-free grace period of at least 21 days if you pay off your balance in full by the payment due date. We don’t charge interest on purchases and fees appearing on your account statement for the first time if you pay your new balance in full by the payment due date. There is no interest-free period on cash advances, including cash-like and gaming transactions, and balance transfers.
  11. Insurance benefits provided by Allianz Global Risks US Insurance Company.
  12. If your card is used without your authorization, you will not be liable if: you did not knowingly contribute to the unauthorized use; you used reasonable care to keep your card safe from loss, theft or misuse; you kept your PIN confidential and separate from your card; you notify us by telephone within 24 hours if you learn of the loss, theft or misuse of your card, or if you know or suspect that someone else knows your PIN; there has been more than one unauthorized use of your card in the last 12 months, and your account is in good standing. If you don’t meet these criteria, you will be liable for all charges incurred in connection with the unauthorized use.

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Shell AIR MILES MasterCard from BMO

  1. Offer is cumulative over the statement period. AIR MILES reward miles will be earned on purchases made at participating Shell locations in Canada (including Beaver, Turbo and Payless) to a maximum of $2,500 in any monthly billing period. The number of reward miles will be rounded down to the nearest whole number. Fractions of reward miles will not be awarded.
  2. Reward miles will be earned on car rentals at participating National Car Rental and Alamo Rent A Car locations worldwide, on a per-transaction basis. The number of reward miles will be rounded down to the nearest whole number. Fractions of reward miles will not be awarded.
  3. Award of AIR MILES reward miles is made for purchases charged to your account (less refunds) and is subject to the Terms and Conditions of your BMO MasterCard Cardholder Agreement. The number of reward miles will be rounded down to the nearest whole number. Fractions of reward miles will not be awarded.
  4. Contract code 3717122 at National Car Rental and contract code 7014883 at Alamo Rent A Car must be included with reservation in order to receive discounts. Discount applies to basic rate, which does not include governmentally-authorized or imposed surcharges, license recoupment/air tax recovery fees or optional items. Offer is subject to standard rental conditions. Blackout dates may apply. Not valid with any other discount or promotional rate. Subject to availability and good only at participating National Car Rental & Alamo Rent A Car locations. Subject to change without notice. 24-hour advance reservations required.
  5. Ongoing interest rates, payment grace days and annual fees are subject to change. See your branch or visit bmo.com/mastercard for current rates.
  6. The Low Interest Rate Option may be subject to additional credit granting criteria. Not all applicants may qualify. If you do not qualify for the Low Rate Option, you’ll be provided the standard ongoing interest rate.
  7. You will benefit from an interest-free grace period of at least 21 days if you pay off your balance in full by the payment due date. We don’t charge
    interest on purchases and fees appearing on your account statement for the first time if you pay your new balance in full by the payment due date. There is no interest-free period on cash advances, including cash-like and gaming transactions, and balance transfers.
  8. Insurance benefits provided by Allianz Global Risks US Insurance Company.
  9. If your card is used without your authorization, you will not be liable if: you did not knowingly contribute to the unauthorized use; you used reasonable care to keep your card safe from loss, theft or misuse; you kept your PIN confidential and separate from your card; you notify us by telephone within 24 hours if you learn of the loss, theft or misuse of your card, or if you know or suspect that someone else knows your PIN; there has been more than one unauthorized use of your card in the last 12 months, and your account is in good standing. If you don’t meet these criteria, you will be liable for all charges incurred in connection with the unauthorized use.

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Shell Premium CashBack MasterCard from BMO

  1. Award of CashBack rewards is made for purchases charged to your account (less refunds) and is subject to the Terms and Conditions of your BMO MasterCard Cardholder Agreement. The number of CashBack rewards will be rounded down to the nearest whole number. Fractions of CashBack rewards will not be awarded.
  2. You will earn bonus CashBack for purchases made at Shell locations in Canada (including Beaver, Turbo and Payless) to a monthly maximum of $2,500 in Shell purchases. The number of CashBack rewards will be rounded down to the nearest whole number. Fractions of CashBack rewards will not be awarded.
  3. Ongoing interest rates, payment grace days, annual fees and other applicable fees are subject to change. See your branch, call the Customer Contact Centre or visit bmo.com/mastercard for current rates and fees.
  4. The Low Interest Rate Option may be subject to additional credit granting criteria. Not all applicants may qualify. If you do not qualify for the Low Rate Option, you’ll be provided the standard ongoing interest rate.
  5. You will benefit from an interest-free grace period of at least 21 days if you pay off your balance in full by the payment due date. We don’t charge interest on purchases and fees appearing on your account statement for the first time if you pay your new balance in full by the payment due date. There is no interest-free period on cash advances, including cash-like and gaming transactions, and balance transfers.
  6. CashBack rewards will be earned on car rentals at participating National Car Rental and Alamo Rent A Car locations worldwide, on a per-transaction basis. The number of CashBack rewards will be rounded down to the nearest whole number. Fractions of CashBack rewards will not be awarded.
  7. You will receive a free membership in the Dominion Automobile Association (DAA) and the benefits of their BMO Roadside Assistance Program (Basic Coverage). Membership terms and the features of the plan are described in the certifi cate that you will receive. DAA requires BMO to provide any information reasonably required for the sole purpose of confirming that you are covered by the Program.
  8. The contract ID number (3717122 for National Car Rental and 7014883 for Alamo Rent A Car) must be included when making a car rental reservation in order to receive discounts. Discount applies to basic rate, which does not include governmentally-authorized or imposed surcharges, license recoupment/air tax recovery fees or optional items. Offer is subject to standard rental conditions. Blackout dates may apply. Not valid with any other discount or promotional rate. Subject to availability and good only at participating National Car Rental & Alamo Rent A Car locations. Subject to change without notice. 24-hour advance reservations required.
  9. Purchase Protection and Extended Warranty Insurance benefits provided by Allianz Global Risks US Insurance Company.
  10. If your card is used without your authorization, you will not be liable if: you did not knowingly contribute to the unauthorized use; you used reasonable care to keep your card safe from loss, theft or misuse; you kept your PIN confidential and separate from your card; you notify us by telephone within 24 hours if you learn of the loss, theft or misuse of your card, or if you know or suspect that someone else knows your PIN; there has not been more than one unauthorized use of your card in the last 12 months, and your account is in good standing. If you don’t meet these criteria, you will be liable for all charges incurred in connection with the unauthorized use.

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Shell CashBack MasterCard from BMO

  1. Award of CashBack rewards is made for purchases charged to your account (less refunds) and is subject to the Terms and Conditions of your BMO MasterCard Cardholder Agreement. The number of CashBack rewards will be rounded down to the nearest whole number. Fractions of CashBack rewards will not be awarded.
  2. You will earn bonus CashBack for purchases made at Shell locations in Canada (including Beaver, Turbo and Payless) to a monthly maximum of $2,500 in Shell purchases. The number of CashBack rewards will be rounded down to the nearest whole number. Fractions of CashBack rewards will not be awarded.
  3. Ongoing interest rates, payment grace days, annual fees and other applicable fees are subject to change. See your branch, call the Customer Contact Centre or visit bmo.com/mastercard for current rates and fees.
  4. The Low Interest Rate Option may be subject to additional credit granting criteria. Not all applicants may qualify. If you do not qualify for the Low Rate Option, you’ll be provided the standard ongoing interest rate.
  5. You will benefit from an interest-free grace period of at least 21 days if you pay off your balance in full by the payment due date. We don’t charge
    interest on purchases and fees appearing on your account statement for the first time if you pay your new balance in full by the payment due date.
    There is no interest-free period on cash advances, including cash-like and gaming transactions, and balance transfers.
  6. CashBack rewards will be earned on car rentals at participating National Car Rental and Alamo Rent A Car locations worldwide, on a per-transaction basis. The number of CashBack rewards will be rounded down to the nearest whole number. Fractions of CashBack rewards will not be awarded.
  7. The contract ID number (3717122 for National Car Rental and 7014883 for Alamo Rent A Car) must be included when making a car rental reservation in order to receive discounts. Discount applies to basic rate, which does not include governmentally-authorized or imposed surcharges, license recoupment/air tax recovery fees or optional items. Offer is subject to standard rental conditions. Blackout dates may apply. Not valid with any other discount or promotional rate. Subject to availability and good only at participating National Car Rental & Alamo Rent A Car locations. Subject to change without notice. 24-hour advance reservations required.
  8. Purchase Protection and Extended Warranty Insurance benefits provided by Allianz Global Risks US Insurance Company.
  9. If your card is used without your authorization, you will not be liable if: you did not knowingly contribute to the unauthorized use; you used reasonable care to keep your card safe from loss, theft or misuse; you kept your PIN confidential and separate from your card; you notify us by telephone within 24 hours if you learn of the loss, theft or misuse of your card, or if you know or suspect that someone else knows your PIN; there has not been more than one unauthorized use of your card in the last 12 months, and your account is in good standing. If you don’t meet these criteria, you will be liable for all charges incurred in connection with the unauthorized use.

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