Cash back rewards with ManulifeMONEY+ Visa cards

We’re pleased to introduce two new credit cards that will enable your clients to earn valuable cash back rewards.

ManulifeMONEY+™ Visa* Infinite Card

With our premium ManulifeMONEY+ Visa Infinite Card clients can earn cash back rewards on all their purchases¹ while enjoying access to exclusive Visa Infinite Benefits.²

For an annual fee of just $99 (waived in the first year)³ clients can take advantage of:

• 3% - cash back at grocery stores
• 2% - cash back on hotel and airline spending
• 1% - cash back on all other purchases

Annual fee $99	Purchases 19.99%	Cash Advances 21.99%	Credit Limit $5,000 minimum
To qualify for this card, clients must have personal income of $60,000 or household income of $100,000.

Plus, your clients can receive extensive insurance coverages, whether travelling in Canada or around the world.⁴

• Out of Country Emergency Medical Insurance
• Trip Interruption Insurance
• Flight and Baggage Delay Insurance
• Other travel-related insurance coverages

ManulifeMONEY+™ Visa* Platinum Card

Clients can also earn great cash back rewards with our ManulifeMONEY+™ Visa* Platinum Card.  They’ll earn cash back rewards on every day purchases – with no annual fee.⁵

• 2% - cash back at grocery stores
• 1% - cash back on all other purchases

Annual fee $0	Purchases 19.99%	Cash Advances 21.99%	Credit Limit $1,000 minimum

In addition, they receive all the benefits Visa has to offer, including worldwide acceptance and Zero Liability, which protects them from unauthorized card use, as well as Purchase Protection and Extended Warranty Insurance.

Just by using the cards, clients earn cash back rewards. It’s that simple.

Manulife One customers could stop paying monthly account fees

Your Manulife One clients are also entitled to a special reward. We will waive their monthly account fee for up to the first full year when they become a ManulifeMONEY+ Visa Infinite⁶ or ManulifeMONEY+ Visa Platinum⁷ cardholder. With the ManulifeMONEY+ Visa Infinite Card, we’ll continue waiving the Manulife One monthly account fee each year if a client spent $20,000 or more on their card in the prior year.⁶

Contact your Manulife Bank Business Development Consultant to learn more about Manulife Bank Visa credit card offerings.

* Trademark of Visa Int., used under license.

¹ Clients will earn 3% cash back on the first $25,000 they spend annually at merchants classified in the Visa network as Grocery Stores & Supermarkets (Merchant Code: 5411). They will earn 2% cash back on the first $25,000 they spend annually at merchants classified in the Visa network as Hotels or Airlines (Merchant Code: 3000-3298, 3501-3833, 4511, 4722, 7011, 7012). All other purchases earn 1% cash back. The $25,000 annual spending limits will reset to zero on each anniversary of the date the client opened their credit card account. Terms, conditions and eligible merchant/merchant categories may change without notice. For residents of Québec only, the terms and conditions are subject to change at any time with 30 days prior written notice. Cash back is earned on card purchases less returns and not on cash advances, interest, fees, service/transaction charges, balance transfers and payments.

² Visa Infinite – General Terms & Conditions: clients must be an eligible Visa Infinite cardholder with a valid Visa Infinite Card to take advantage of the Visa Infinite benefits and services. Discounts and benefits are non-transferable and discounts cannot be combined with any other offer or discount. Visa reserves the right to modify or cancel offers at any time and without notice. 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. All offers, benefits and services are subject to complete terms and conditions, including third party suppliers’ terms and conditions (available at visainfinite.ca/infinite/terms.jsp). The Visa Infinite privacy policy (available at visainfinite.ca/infinite/privacy.jsp) applies to all benefits and services that require enrolment through, or are otherwise provided by, the Visa Infinite Concierge 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.

³ The annual fee of $99 will be waived in the first year only based on the account opening date.

⁴ Insurance is underwritten by The Manufacturers Life Insurance Company (Manulife) and First North American Insurance Company, a wholly owned subsidiary of Manulife. Manulife, PO Box 670, Stn Waterloo, Waterloo, ON N2J 4B8.

⁵ Clients will earn 2% cash back on the first $15,000 they spend annually at merchants classified in the Visa network as Grocery Stores & Supermarkets (Merchant Code: 5411). All other purchases earn 1% cash back. The $15,000 annual spending limit will reset to zero on each anniversary of the date the client opens their credit card account. Terms, conditions and eligible merchant/merchant categories may change without notice. For residents of Québec only, the terms and conditions are subject to change at any time with 30 days prior written notice. Cash back is earned on card purchases less returns and not on cash advances, interest, fees, service/transaction charges, balance transfers and payments.

⁶ The Manulife One monthly account fee will be waived in each year if the client spent a minimum of $20,000 in net purchases on their card in the prior year. For example, if they spent a minimum of $20,000 in net purchases on their card during the first year, their Manulife One monthly account fee will be waived in each month of the second year during which their credit card account is open and in good standing. If they spent less than $20,000 in net purchases on their card during the first year, they will not be entitled to the Manulife One monthly account fee waiver in any month of the second year. If they then spent a minimum of $20,000 in net purchases on their card during the second year, they will be entitled to the Manulife One monthly account fee waiver in each month of the third year during which their credit card account is open and in good standing. Annual spending is based on the anniversary of the date they opened their credit card account and ends 12 months later. Year-to-date annual spending will appear on their monthly credit card statement. The monthly account fee will reappear on their next Manulife One statement after the initial 12 month waiver period has elapsed or in any subsequent year if the total amount of net purchases on their card in the prior year is less than $20,000. Applies only to a personal Manulife One account for which the Primary Cardholder is the sole or joint Manulife One account holder. Offer is only available to first time ManulifeMONEY+ Visa Infinite Primary Cardholders and applies only to one Manulife One account per Primary Cardholder. Offer may be changed or withdrawn at any time without prior notice.

⁷ We will waive the Manulife One monthly account fee only, for the first 12 consecutive months (1 year) as long as the credit card account is open and in good standing. The Manulife One monthly fee ($16.95 Regular or $9.95 Senior) is disclosed under Rates & Account Fees at manulifebankmortgages.ca. Clients will still be responsible for any other type of fees that may apply to their Manulife One account during the waiver period. Fees are subject to change at any time with 30 days prior written notice. The monthly account fee will reappear on the client’s next Manulife One statement after the 12 month waiver period has elapsed. Fee waiver applies only to a personal Manulife One account for which the Primary Cardholder is the sole or joint Manulife One account holder. Offer is only available to first time ManulifeMONEY+ Visa Platinum Primary Cardholders and applies only to one Manulife One account per Primary Cardholder. Offer may be changed or withdrawn at any time without prior notice.

Manulife, Manulife Bank, ManulifeMONEY+ and the Block Design are trademarks of The Manufacturers Life Insurance Company of Canada and are used by it, and Manulife Bank of Canada, under license.