Terms and conditions

¹ The 50% more offer applies to CIBC Aerogold VISA INFINITE Card purchases (less returns) at merchants which are classified in the credit card network as grocery stores, service stations/automated gas dispensers or drug stores. Some merchants may sell these products/services or are separate merchants who are located on the premises of these merchants, but are coded in another manner, in which case this added benefit would not apply. Any returns or other credits for card purchases at grocery, gas or drug stores will be deducted from your Aeroplan Account at the rate of 1.5 Aeroplan Miles for each dollar in returns/credits. This bonus Miles offer is only available on the first $80,000 in net annual card purchases on your account (meaning all card purchases by all cardholders, at any type of merchant); after that, net card purchases at these merchants will earn Aeroplan Miles at the regular rate. The $80,000 limit will reset to zero after the day your December statement is printed. Terms, conditions and eligible merchant categories may change without notice.

² Applies to new, approved Primary Cardholders only. Bonus Aeroplan Miles are awarded after the first purchase is made with the card. This offer cannot be combined with any other offer and may be changed or withdrawn at any time.

³ Aeroplan Miles are earned on card purchases less returns; cash advances, Aerogold Cheques, Balance Transfers, fees, interest and payments do not qualify. Aeroplan Miles will be awarded only if your CIBC Aerogold VISA INFINITE Account is in good standing on the monthly statement date (otherwise Aeroplan Miles are cancelled). Aeroplan Miles are not actual miles, but points towards Aeroplan Rewards. Aeroplan partners, rules and regulations are subject to change without notice.

⁴ Aeroplan ClassicPlus Flight^TM1 Rewards offer you any available seat in Economy and Executive Class on Air Canada and Air Canada Jazz flights; additional miles may be required. ClassicPlus Flight Rewards are available only where Air Canada offers electronic ticketing. See Aeroplan.com for details.

⁵ Aeroplan rules require at least one accumulation or redemption transaction each year in an Aeroplan account or the Aeroplan Miles will expire. CIBC has ensured that this doesn't happen to Aerogold VISA INFINITE cardholders in good standing. Please note, however, that Aeroplan Miles will expire if they are not redeemed within 7 years from when they were earned (or on Dec. 31, 2013, for Miles earned before 2007). See aeroplan.com for details.

⁶ Each transaction is assessed on various factors including your payment history and spending patterns so as to determine your additional purchasing power over your credit limit, if any. Since you must repay any amount over your credit limit by your payment due date, your borrowing capacity is not increased and remains at your credit limit.

⁷ The CIBC VISA INFINITE Travel Service is operated by an independent travel service agency, Merit Travel Group Inc. Ontario Registration #50010422.

⁸ All insurance is subject to limitations and exclusions outlined in the insurance certificates distributed with the Card Package. Common carrier fares must be charged to the card to activate certain coverages. CIBC Out-Of-Province Travel Medical Insurance is available only if the primary cardholder is age 64 or under and then to his/her spouse, who must be age 64 or under, and their dependent children for the first 15 days of the trip. Trip Interruption Insurance and CIBC Out-Of-Province Travel Medical Insurance are underwritten by RBC Insurance Company of Canada. Common Carrier Accident Insurance is underwritten by American Home Assurance Company; Flight Delay and Baggage Insurance is underwritten by RBC General Insurance Company in Quebec and RBC Insurance Company of Canada in the rest of Canada; Baggage Insurance is excess insurance over and above any other collectible insurance that would apply without this Insurance. VISA Auto Rental Collision/Loss Damage Insurance applies for rental periods up to 48 days, only; to activate coverage, the car rental agency's collision damage waiver insurance must be declined and the full cost of the rental must be charged to your card; underwritten by Royal & Sun Alliance Insurance Company of Canada.

⁹ Restrictions apply. The CIBC ADVANTEX BENEFIT applies only if the card is used for payment at participating establishments. The number of Bonus Aeroplan Miles awarded may vary at participating restaurants. The CIBC ADVANTEX BENEFIT cannot be combined with other promotional offers and may not be valid with certain discounts or offers. CIBC ADVANTEX BENEFIT terms, conditions and participating merchants may change without notice. The CIBC ADVANTEX BENEFIT program is owned and operated by Advantex Marketing International Inc.