Terms & Conditions

  1. BMO eclipse Visa Infinite Privilege applications must be received between January 6, 2022 and July 31, 2023 (the “Offer Period”) to be eligible for this offer. 50,000 BMO Rewards welcome bonus points will be applied to your BMO Rewards Collector Account after you spend a minimum of $6,000 (less refunds and excluding cash advances, cash-like transactions, interest charges, fees, credit or debit adjustments) within the first three (3) months after the account open date. 50,000 BMO Rewards welcome bonus points will be credited to your Collector Account within sixty (60) business days following the qualifying $6,000 spend. Receive an additional 40,000 BMO Rewards points twelve (12) months after the Credit Card account open date after you spend a minimum of $100,000 (less refunds and excluding cash advances, cash-like transactions, interest charges, fees, credit or debit adjustments) within the first twelve (12) months after the account open date), as long your account is in good standing at the time you qualify for the additional points. Existing BMO credit card cardholders who transfer into this product during the Offer Period are not eligible for this offer. If you cancel your card within ninety (90) days of account opening, the welcome bonus will be cancelled. This offer may be withdrawn or changed without notice. This offer is not available to current or former BMO eclipse Visa Infinite Privilege cardholders who reinstate a closed account or open a new account during the Offer Period.
  2. The accelerated earn rate is 5 BMO Rewards points (as applicable) per $1 charged to the Account for purchases made in Canada at merchant locations classified as travel, grocery, dining, drugstore and gas. Purchases must be made at merchants classified through the Visa network with a Merchant Category Code (“MCC”) that identifies them in the “air fare”, “hotel”, “car rental”, “grocery”, “dining”, “drugstore” or “gas” category. The accelerated earn rate applies to the first $100,000 in annual purchases on the Account, at merchants qualifying for the accelerated earn rate, which can be calculated from January 1st to December 31st each year. Once the cardholder exceeds this threshold, the cardholder will continue earning points at the regular earn rate of 1 point per $1 in purchases. BMO Rewards points will not be posted to an Account that is not in good standing when the purchases are made or when a statement is issued, or to an Account that is not open when the statement is issued.
  3. As an introductory feature, primary cardholders that add a supplementary card to their account will receive a 10% bonus earn rate to their existing card accelerator. This benefit will be available for transactions made both by the primary cardholder and its authorized user(s). Refer to the following eligibility criteria for supplementary cardholders: Authorized User is at least 13 years of age; primary account must be activated before Authorized User is added; Authorized User must have a Canadian address where they can receive correspondence if required; Authorized User is not being requested in the name of the primary cardholder; Authorized User is not already on the account; account has less than 9 Authorized Users; Authorized User being added is not in a Business Name. This offer is subject to change.
  4. Primary Cardholders will be eligible to receive a $200 statement credit each year (annual period starts on January 1st of every year). The Account will be credited within two statement cycles after making a purchase that is equal to or greater than the total amount of the statement credit on the Account, provided the Account is open and in good standing at the time of payout. This offer is subject to change. Primary Cardholders are limited to a maximum of one $200 credit within the annual period. If you transfer your Account into a different product and back into an eligible product within the same annual period, or if you cancel and reapply for an eligible product within the same annual period, you will not be entitled to a subsequent $200 credit in that annual period. Any additional lifestyle credit of $200 awarded to the Primary Cardholder within the annual period as a result may be subject to claw back.
  5. The earn rate for purchases at merchants not classified as air fare, hotel, car rental, gas, grocery, drugstore, or dining is 1 BMO Rewards point (as applicable) per $1 charged to the Account. For the accelerated earn rate, transactions made in the following categories won’t be eligible for this service: Money Transfer Agent/Wire Transfers, Financial Institutions-Manual cash disbursements, Financial Institutions- Automated cash disbursements, Non-Financial Institution – Foreign Currency/Quasi-Cash, Dating or Escort Services, Truck Stop Transactions, Government-Owned Lottery (US Only), Government-Licensed On-Line Casinos (On-Line Gambling) – (US Only), Government-Licensed Horse/Dog Racing- (US Only), Betting including lottery, gaming, chips, track wagers, Political Organizations, Religious Organizations, Tax Payments, Merchants that have sale of counterfeit or trademark infringing products or services, Merchants that have sale of adult or mature content products or services.
  6. For full program terms and conditions please visit visaluxuryhotelcollection.ca. When you book through the Visa Infinite Luxury Hotel Collection you will automatically enjoy the following seven exclusive benefits: Best Available Rate Guarantee, automatic room upgrade upon arrival when available, 3PM check-out when available, complimentary continental breakfast, free in-room internet, $25 food or beverage voucher, VIP Guest Status.
  7. Both primary and secondary cardholders must enroll for this benefit separately, through the Visa Infinite Privilege website or through the Visa Infinite Privilege Concierge, and must have a valid Visa Infinite Privilege card linked to their Priority Pass membership at all times. Six lounge visits are complimentary per membership year for the enrolled cardholder to use for themselves or for their guests. Membership includes access to any airport lounge participating in Priority Pass’ lounge access program – membership value of $99 USD. To access a lounge, cardholder must show a valid Priority Pass membership card. All additional visits beyond the complimentary visits are subject to a fee of $32 USD per person per visit. Applicable lounge access charges will be billed to the Visa Infinite Privilege card connected to cardholder’s Priority Pass membership. Priority Pass membership will be cancelled if your Visa Infinite Privilege card is cancelled, or is no longer linked to your Priority Pass membership. Unless cancelled, Priority Pass membership automatically renews on its anniversary date. To view a full list of participating airport lounges, their facilities, opening times and restrictions cardholders can visit www.prioritypass.com. Enrolled cardholders are subject to Priority Pass’ Terms and Conditions and the individual lounge operators'; terms of use for the participating lounges visited, available at www.prioritypass.com. Priority Pass’ Terms and Conditions will be sent to cardholder upon enrolment. The Airport Lounge Access services are provided by Priority Pass and neither Visa nor the Issuer is responsible for any claims or damages arising from use of the Airport Lounge services. Visa reserves the right to modify or cancel this offer at any time and without notice.
  8. The goods and services 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 the goods and services that may be obtained through the Visa Infinite Concierge. Neither Visa nor the 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.
  9. You must be an eligible Canadian Visa Infinite cardholder with a valid Visa Infinite card to take advantage of the Visa Infinite Troon Golf Benefit.  The Visa Infinite Troon Golf Benefit may be cancelled if your Visa Infinite card is cancelled.  By reserving through Troon, the cardholder consents to be bound by all the terms and conditions, as stated herein through the Visa Infinite Troon Golf Benefit, as well as the Troon Rewards® Terms and Conditions and the Troon Privacy Policy.  Troon, Visa and its Issuers, or any of its Concierge providers, are not responsible for any claims or damages arising from this offer.  Troon and Visa reserve the right to modify or cancel this benefit at any time without notice.  
  10. Eligible Visa Infinite and Visa Infinite Privilege cardholders must be legal drinking age to participate in this benefit. Reservations are mandatory for the wineries that are flagged by a star [*] on visainfinite.ca/privilege. Please contact the winery directly for reservations, hours of operation, blackout dates and other details. Tours, tastings, selection of merchandise, including wine, may be subject to availability. Eligible Visa Infinite and Visa Infinite Privilege Card must be presented at winery and used for any program-related purchases. Wine experiences may be modified or cancelled, by Visa or wineries, in whole or in part at any time, for any reason, without prior notice or liability to any person. Please drink responsibly. Venues are not conducive to young children.
  11. Ongoing interest rates, interest-free grace period, annual fees and all other applicable fees are subject to change. Cash advances include balance transfers, cash-like transactions. Visit your branch; call the Customer Contact Centre at 1-833-256-7137, or visit bmo.com/creditcards for current rates and fees.