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Benefits GuideWelcome.BMO World Elite * Mastercard *
Table ofcontentsUpgrade your story today2Getting started3Your card at a glance4Take things up a notch6Additional option9Everyday services to fit your life10Terms & conditions16
Upgrade yourstory todayThank you for choosing theBMO World Elite Mastercard.Beginning today, you can do more than simply imagineyourself at an exciting destination – you can be there.With points that never expire1, your card includes themost comprehensive list of features and benefitsdesigned to help you create unforgettable memorieseverywhere you go.2
GettingstartedGetting started1. Activate your new card(s) now.Follow the instructions found on your sticker on your card(s).2. Register at bmorewards.com using your BMO Rewards collector number. Explore all of your reward options and view your points balance(for primary cardholder only).3. Airport Lounge Access. Register your card at airport.mastercard.com for MastercardAirport Experiences provided by LoungeKey.4. Download the Mastercard Airport Experiences mobile app fromthe App Store or Google Play. Use the app to manage your passes†, access participating lounges,load exclusive offers, and more.5. Visit Online Banking at bmo.com or through the BMO MobileBanking app.Access your credit card account information anytime.6. Additional cards. Add additional cardholders to your account and earn even more BMORewards points.3
Your cardat a glanceIt’s something to celebrate when a flight of theimagination becomes a flight you’re actually on.That’s what happens when a credit card rewardsprogram becomes more about the rewards andmuch less about the restrictions: rewards likepoints you can redeem for any seat, on anyairline*, at any time – plus, BMO Rewards pointscover all flight charges including taxes and fees.44
Earning potential Earn 3 BMO Rewards points for every 1 you spend on eligibletravel, dining and entertainment purchases2a,2b on your BMO WorldElite Mastercard. Earn 2 BMO Rewards points for every 1 you spend2b everywhere elseon your BMO World Elite Mastercard.BMO Rewardsbmorewards.com is where your journeys will start. Your redemptionoptions are virtually limitless. When you register, you’ll be able to bookyour next vacation, shop the extensive catalogue of merchandise, giftcards, experiences and more.4TravelEnjoy exclusive access to dream travel – flights, hotels, cruises andvacation packages – free of restrictions. Use your BMO Rewards pointsto cover all flight charges, including taxes, when you book through BMORewards. And you can book any seat, on any airline*, at any timeShopRedeem BMO Rewards points for a selection of merchandise, gift cards,experiences and more.ExperienceIndulge in unique experiences, premium excursions and exclusive events– from luxury spa weekends to wine-and-dine tourse.ContributeInvest in the future by redeeming BMO Rewards points for a contributioninto a BMO Investment account, or make a charitable donation.Points for cashTurn your BMO Rewards points into cash. For the ultimate in flexibility,treat yourself by purchasing whatever you want, wherever you want anduse your BMO Rewards points to pay down your credit card balance. For more information on redeemingBMO Rewards points for travel or otherrewards, visit bmorewards.com5Your cardat a glance Earn 2 bonus BMO Rewards points for every 1 you spend on rentals atparticipating National Car Rental †† and Alamo Rent a Car †† locations.3
Take thingsup a notchYour BMO World Elite Mastercard card comeswith additional benefits, designed to helpyou create unforgettable memories at homeand away.6
Mastercard Airport Experiences provided by LoungeKeyMake the airport the first highlight of your trip with Mastercard AirportExperiences provided by LoungeKey.5 This Program delivers airportlounge access and exclusive dining, spa and retail offers6 at 400 airportsworldwide. Just present your credit card to access more than 850 VIPairport lounges around the world. Your annual membership includes four(4) complimentary airport lounge passes. Use these passes for yourselfor towards the cost of your travelling companions. Any additional passesused within the annual membership period will be charged US 32 perperson to your BMO World Elite Mastercard, per visit.7Travel and Medical ProtectionFor more details, please review the BMO World Elite Total Traveland Medical Certificate of Insurance in your BMO World EliteInformation Guide.Concierge servicesNeed theatre ticket information? Restaurant reservations? Enjoy free24-hour access to our experienced concierge staff. For more information,call 1-800-741-6758.Car rental savingsSave up to 25% off rentals at participating National Car Rental andAlamo Rent A Car locations.9!For full details about these features,visit bmo.com/creditcards or callus at 1‑866‑991‑4769.7Take things upa notchTravel with unlimited-trips-per-year coverage for journeys up to 21 days(up to 2 million in eligible medical expenses).8
Additional option10Optional BMO Credit Card Balance Protection EnhancedHelp protect yourself and your family in the event of the unexpected.Protect the balance on your BMO Mastercard from life events suchas death, total disability, and job loss. The premium for BMO CreditCard Balance Protection is 1.00 for each 100 of your total statementbalance (plus applicable provincial taxes).11Add this option to your card by visitingbmoprotection.assurant.com or by calling 1-844-840-8142.Additionaloption9
Everyday servicesto fit your lifeYour BMO World Elite Mastercard includes acomprehensive suite of up-to-date card security andpayment technologies, account support services andadditional insurance coverage. Designed for everydayconvenience, these features make your new card theperfect payment option for you.10
Security and protectionWorldwide supportIf you have an emergency virtually anywhere in the world, you cancontact 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)Mastercard Identity Check *Mastercard Identity Check offers an additional layer of security on yourBMO Mastercard for all your online purchases. This enhanced level ofsecurity will verify your online purchases through a seamless process toensure that your card is always protected. Identity Check works with yourexisting BMO Mastercard and requires no download or registration. Learnmore at bmo.com/cardsecurityExtended WarrantySave the cost of buying optional extended warranty insurance on yournext purchase by paying with your BMO credit card. Subject to limitationsand exclusions, this coverage increases the original manufacturer’swarranty period up to a maximum of one additional year.12Purchase ProtectionGet added protection. Items purchased with your card are automaticallyinsured, subject to limitations and exclusions, against theft or damage for90 days from date of purchase.12Everyday servicesto fit your lifeFor full details on Extended Warranty and Purchase Protection,including limitations and exclusions, please refer to theInformation Guide you received with your card.11
Added value servicesMastercard * contactless. Tap & go *Your BMO credit card lets you make purchases at contactless terminalswithout having to swipe your card. Simply “tap” your card withcontactless on the terminal and away you “go”. For more information,visit mastercard.ca/tapandgoBMO alertsSign up for BMO alerts – an easy way to stay on top of your account detailson the go. Receive helpful information by email or text message, suchas reminders of your payment due date, credit limit, and more. Go tobmo.com/onlinebanking to register your account.eStatements and eStatement alertsSecurely view eStatements for your credit card account anytimethrough BMO Online Banking. Sign up to receive alerts by email or textmessage to let you know when your eStatements are available to view.eStatement alerts will help you keep on top of your credit card payments.Apple PayAdd your BMO credit or debit card to Apple Pay and enjoy the securityand convenience of paying right from your iPhone, Apple Watch or iPad.Pay in store12 or make payments within apps quickly and easily withApple Pay.13 Visit apple.com/ca/apple-pay for a list of eligible devices.Google Pay BMO brings a secure and convenient way to pay using your phone andyour BMO credit or debit card. Add your BMO credit or debit card toGoogle Pay and start shopping in stores and in apps. Visit Google Play todownload the Google Pay app today.Convenient bill paymentUse the following options to make payments on yourBMO AIR MILES World Elite Mastercard: Directly from your BMO bank account: BMO Online & Mobile Banking: Visit bmo.com to register. BMO Telephone Banking: call 1-800-363-9992 to register. Mail Pre-authorized payments: Automatic monthly paymentsfrom your BMO account or an account at any financial paymentinstitution in Canada. Call 1-866-991-4769 for more information. In person at any BMO Bank of Montreal branch.12
Zero Liability Protection14 for lost or stolen cardsWith Zero Liability Protection, if someone uses your card without yourauthorization, you are not liable if: you did not contribute to the unauthorized use you used reasonable care to safeguard your card and PersonalIdentification Number (PIN), and you notified us by telephone within 24 hours after you learned of theloss, theft or misuse of your card or cheques, or after you learned orsuspected that someone else knows your PIN.If you don’t meet these criteria, you will be liable for all charges incurredin connection with the unauthorized use.Safeguarding your card, PIN and chequesPlease take care to safeguard your card, Personal Identification Number(PIN) and credit card cheques against loss, theft or misuse. To safeguardyour PIN: you must not voluntarily disclose your PIN you must keep your PIN separate from your card you must not choose a PIN selected from your name, date of birth,telephone numbers, address or social insurance numberWhen inputting your PIN into an ATM or point-of-sale terminal,telephone or computer in public areas, please take reasonableprecautions, such as ensuring that no one is watching you by usingyour body or hand as a shield in order to conceal your PIN from theview of others.We encourage you to be cautious of websites, online services, callers orother parties pretending to be Bank of Montreal (or a subsidiary) that askfor this information or purport to bring together, summarize, aggregateor consolidate your financial data and other information that is currentlyavailable to you online.You must notify us by telephone within 24 hours if you learn of the loss,theft or misuse of your card or cheques, or if you know or suspect thatsomeone else knows your PIN.13
Our Commitment to YouBMO Financial Group appreciates and values the opportunity to assistyou in meeting your financial objectives today, and in the future. We’recommitted to a strong customer focus: to service, to excellence, and tobeing responsive to help you reach your goals. This demands that welisten to you, constantly seek ways to enhance your experience with us,and help us earn the right to be your financial services provider.15
Terms &conditionsThe information in this booklet is correct as of October 5, 2020and is subject to change.16
BMO Rewards points will not expire as long as the BMO World Elite Mastercard card account (referred to in this paragraph as the“Account”) remains open and in good standing, except as described in the section of the BMO Rewards Terms & Conditions, whichdeals with the program termination. On cancellation of the Account, a cardholder will have 90 days in which to do either of thefollowing: (i) redeem the points earned for one or more rewards; or (ii) reinstate the points by either reinstating the Account oropening a new Account and linking the points account that was attached to the cancelled Account to the new Account. After theninety day period, unless the points are reinstated, any points that remain in the points account will expire. For details, pleaserefer to the BMO Rewards Terms and Conditions for further details.2a You will earn 3 BMO Rewards points for every 1 in eligible travel, dining and entertainment purchases, up to 50,000 annually(January to December statement cycle period). The 3 BMO Rewards points includes the base earn rate of 2 BMO Rewards pointsfor every 1 in card purchases (“Base Rewards”) and the bonus of 1 BMO Rewards point for every 1 in eligible travel, diningand entertainment purchases (“Bonus Rewards”). To earn Bonus Rewards, your purchases must be made at merchants thatare classified in the Mastercard network as: airlines, car rental agencies, hotels/resorts, cruise lines, passenger railways, touroperators, timeshares, travel agencies and tour operators, dining: eating places, restaurants, drinking places, fast food restaurantsand entertainment including motion picture theatres, theatrical producers, ticket agencies, bands, orchestras and miscellaneousentertainers, tourist attractions and exhibits, amusement parks, carnivals, circuses, aquariums, dolphinariums, zoos andseaquariums (“Applicable Merchants”). If you exceed 50,000 in combined annual purchases, you will continue to earn the BaseRewards. Some merchants may sell the same or similar products/services as the Applicable Merchants or are separate merchantswho are located on the premises of the Applicable Merchants, but are classified by Mastercard in another manner (“OtherMerchants”).You will only earn Base Rewards for purchases made at Other Merchants.2b Subject to the BMO Rewards Terms and Conditions, BMO Rewards points are calculated based on purchases of goods or servicescharged to the BMO World Elite Mastercard account, less any refunds or adjustments, rounded down to the nearest whole point.Cash advances (including purchases of foreign currency or travellers cheques), interest charges, fees, credit or debit adjustmentsand any amount other than purchases that may be charged to the account with the card, do not qualify for points. Bank ofMontreal may establish other qualifying and non-qualifying transactions from time to time.3 BMO Mastercard cardholders will earn 2 bonus BMO Rewards points at participating National Car Rental and Alamo Rent A Carlocations. BMO Rewards points are awarded per transaction in any monthly billing period.4 BMO Rewards redemptions are subject to fees and charges. For details, please see the fees, charges, and pricing policy in the BMORewards Terms and Conditions as well as the Important Information about BMO Mastercard cards enclosure.5 Mastercard Airport Experiences provided by LoungeKey (“MCAE”) is a worldwide program run by LoungeKey Ltd. This benefit isavailable to all cardholders of a BMO World Elite Mastercard (“eligible cardholders”). Eligible cardholders are required to complywith the Conditions of Use available online at airport.mastercard.com or on the MCAE mobile application, as well as any additionalterms and conditions applicable to the lounge or offer being used by the eligible cardholder. The Conditions of Use are subject tochange from time to time without notice to Issuer or the eligible cardholders. Eligible cardholders wishing to access a participatingMCAE lounge must present their valid, eligible BMO World Elite Mastercard or their mobile access code (this may be obtained bythe eligible cardholder by registering an account at airport.mastercard.com or through the MCAE mobile application) to the loungereceptionist and mentioning “Mastercard Airport Experiences provided by LoungeKey.”.6 Some offers may be subject to a per-person, per-visit charge. Where applicable and dependent upon the offer, access charges,including those for an accompanying guest, may be charged to your credit card.7 Value and benefits of the MCAE complimentary membership are subject to change without notice. Use the four complimentarypasses for yourself or to cover the cost of the lounge visit of your travelling companion. After using four passes, you can continueto enjoy lounge access for a fee of just US 32 per person, per visit. Unused complimentary passes are not transferable and cannotbe carried over to the following year.8 Subject to terms and conditions, including limitations, exclusions and other important information contained in the BMO WorldElite Total Travel and Medical Protection Certificate of Insurance, which is sent to new cardholders. Out-of-Province/Out-of-CountryEmergency Medical benefits are available to cardholders under the age of 65. Insurance benefits provided by Allianz Global RisksUS Insurance Company (Canadian Branch) except Common Carrier Accidental Death and Dismemberment Insurance provided byChubb Insurance Company of Canada.9 The contract ID number (3717122 for National Car Rental and 7014883 for Alamo Rent A Car) must be included when making a carrental reservation to receive discounts. Discount applies to base rate only at participating National Car Rental and Alamo RentA Car locations. Discount varies by rental date, location and vehicle type. Taxes, other governmentally-authorized or imposedsurcharges (including GST), license and concession recoupment fees, airport and airport facility fees, fuel, additional driver fee,one-way rental charge and optional items (such as LDW up to US 30 per day) are extra. Renter must meet standard age, driverand credit requirements. 24-hour advance reservation required. May not be combined with other discounts. Availability is limited.Subject to change without notice.10 If you remove an optional feature from your account before the annual anniversary date, you may not receive a full refund. Youmay cancel this optional coverage at any time.11 The monthly premium rate is 1.00 per 100.00 of your total statement balance for the billing cycle, plus applicable taxes. Subjectto Terms and Conditions, including limitations and exclusions contained in the BMO Credit Card Balance Protection EnhancedCertificate of Insurance. Please refer to the certificate for further details. Insurance benefits provided by Assurant.12 Subject to terms and conditions, including limitations, exclusions and other important information contained in the Certificateof Insurance, which is sent to new cardholders. Insurance benefits provided by Allianz Global Risks US Insurance Company(Canadian Branch.13 Transaction limits may apply. For security reasons, periodically you may be prompted to insert your card and/or enter your PINwhen using Apple Pay.14 Message and data rates may apply. Contact your wireless carrier for details.15 Please refer to your BMO Mastercard Cardholder Agreement for more information.1Check your balance of complimentary passes on the Mastercard Airport Experiences mobile app. *Some conditions may apply. Thecash credit will reduce the outstanding balance owing on your credit card account at the time the credit is applied. Your cash creditwill not count towards your minimum payment and if you redeem your points for a cash credit, you must still make your monthlyminimum payment as described in your Cardholder Agreement. The cash credit will be applied to the primary credit card account thatis linked to the BMO Rewards collector account. Please allow 3-5 business days for your cash credit to be processed before it can beapplied to your credit card account. This redemption option may be changed, limited, prohibited or withdrawn at any time withoutnotice. You cannot cancel or change your cash credit redemption after you have made the redemption.†Terms &conditions
50336902 (10/20) (10/20) 20-1792kRegistered trademarks of Bank of Montreal. */ * Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.Used under license. †† Trademarks of Vanguard Trademarks Holding USA, LLC. Apple, the Apple Logo, Apple Pay, iPhone, Apple Watch and Touch ID are trademarks of Apple Inc., registered in the U.S.and other countries. iOS is trademark or registered trademark of Cisco in the U.S. and other countries. Google Play, Google Pay and the Google Pay Logo are trademarks of Google LLC.Third-party trademarks are the property of their respective owners
on your BMO World Elite Mastercard. Earn 2 bonus BMO Rewards points for every 1 you spend on rentals at participating National Car Rental †† and Alamo Rent a Car †† locations. 3 BMO Rewards bmorewards.com is where your journeys will start. Your redemption options are virtually limitless. W
