Students – BMO CashBack^® Mastercard^®*

Along with convenience, there are a number of reasons why applying for a student credit card makes financial sense:

• A student card is generally easier to qualify for than other credit cards.
• You’ll start building a credit history. By using your card and paying if off every month, you’ll show you’re responsible with credit, making it easier to qualify for a loan, line of credit or mortgage in the future.
• You’ll earn cash back every time you spend.

There are a few requirements you need to meet to apply for a student credit card with us.

• Be a student between the ages of 18 and 24 at a recognized post-secondary school.
• Be a Canadian citizen or permanent resident. Are you an international student? You can apply for a BMO credit card by visiting a branch.
• Have reached the age of majority in the province in which you live (18 years in AB, MB, ON, PE, QC and SK. 19 years in all other provinces).
• Earn annual income from employment, scholarship/grant, student loan or family allowance.

• You can redeem your cash back for as little as $1 by visiting www.bmocashback.com. You can also setup recurring redemptions for as little as $25. You have the option to redeem your cash back right into your BMO chequing or savings account, or as a statement credit on your BMO CashBack Mastercard.

• To get direct deposits, you’ll need a BMO chequing, savings or InvestorLine account.

When you make a purchase at a grocery store or supermarket that sells a complete line of food products (think vegetables, ice cream and everything in between), you can earn 3% cash back up to a limit of $500 spent for a given statement period.^2C

Convenience stores, bakeries, butchers and other speciality shops are excluded from this offer (those purchases will earn the base rate of 0.5% cash back).

Not sure if your store qualifies? Please call the number on the back of your card to speak with a representative who can help answer your questions.

Recurring (or ongoing) bill payments are made on a regular basis – your monthly Internet bill, for example. The merchant (in this example, your Internet service provider) automatically bills your card each month. This sort of automatic bill payment made with your BMO CashBack^® Mastercard^®* may be eligible for 1% cash back (0.5% base rate, plus 0.5% bonus up to $500 spent for each statement period).^2D

Not all merchants offer recurring payments, and not every recurring bill payment will earn the bonus cash back, so check with your providers to find out how they are processing your bill payment.

It’s easy! There are three simple ways to see how much you’ve earned:

1. Log in to the www.bmocashback.com

   or

2. Check your cash back balance on your monthly BMO credit card statement.

   or

3. Check your cash back balance when you log in to BMO Online Banking or the BMO Mobile Banking app.

To help you keep tabs on your cash back activity, your Online Statement shows you how much you’ve earned, up to the billing date. Any cash back earned after the billing date will be included in your next month’s statement.

• If you have an emergency at home or away, you can contact the Mastercard Assistance Centre 24 hours a day: 1-800-247-4623 (within Canada and the U.S.)

• 1-314-275-6690 (outside North America, call collect)

To get started, simply login and follow these steps for recent eligible credit card purchases of $100 CADCanadian currency or more:

1. Choose an eligible credit card purchase you’d like to convert into a PaySmart plan.
2. Go to the Installment Plan tab and click the Create button.
3. Select the plan that works best for you.