Benefits Guide BMO® World Elite®* Mastercard®*

Welcome.
 Upgrade your story today 2
Getting started 3
Your card at a glance 4
Table of Take things up a notch 6
contents Additional option 9
Everyday services to fit your life 10
Complaint resolution 14
Terms & conditions 17

Upgrade your
story today
Thank you for choosing the
BMO World Elite Mastercard.
Beginning today, you can do more than simply imagine
yourself at an exciting destination – you can be there.
With points that never expire,1 your card includes the
most comprehensive list of features and benefits
designed to help you create unforgettable memories
everywhere you go.
2 3
Getting
started
Getting started
1. Activate your new card(s) now.
Follow the instructions found on the 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. Visit Online Banking at bmo.com or through the
BMO® Mobile Banking app.
Access your credit card account information anytime.
4. Additional cards.
Add additional cardholders to your account and earn even more BMO Rewards points.
 Earning potential
• Earn 3 BMO Rewards points for every $1 you spend on eligible travel, dining
and entertainment purchases2a,2b on your BMO World Elite Mastercard.
• Earn 2 BMO Rewards points for every $1 you spend2b everywhere else 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

at a glance
Your card
BMO Rewards
bmorewards.com is where your journeys will start. Your redemption options
are virtually limitless. When you register, you’ll be able to book your next
vacation, shop the extensive catalogue of merchandise, gift cards, experiences
and more.4

Your card
Travel
Enjoy exclusive access to dream travel – flights, hotels, cruises and
vacation packages – free of restrictions. Use your BMO Rewards points
to cover all flight charges, including taxes, when you book through BMO

at a glance Rewards. And you can book any seat, on any airline*, at any time.
Shop
Redeem BMO Rewards points for a selection of merchandise,
gift cards, experiences and more.
It’s something to celebrate when a flight of the
Experience
imagination becomes a flight you’re actually on.
Indulge in unique experiences, premium excursions and exclusive events
That’s what happens when a credit card rewards – from luxury spa weekends to wine-and-dine tours.
program becomes more about the rewards and
Contribute
much less about the restrictions: rewards like
Invest in the future by redeeming BMO Rewards points for a contribution
points you can redeem for any seat, on any
into a BMO Investment account, or make a charitable donation.
airline*, at any time – plus, BMO Rewards points
cover all flight charges including taxes and fees.4

For more information on redeeming

! BMO Rewards points for travel or other
rewards, visit bmorewards.com

4
4 5

Take things
up a notch
Your BMO World Elite Mastercard card comes
with additional benefits, designed to help
you create unforgettable memories at home
and away.
6 7
Free Priority Pass membership
You will be automatically enrolled in the Priority Pass™‡ airport lounge
program. You will receive the Priority Pass membership card within six (6)
to eight (8) weeks of activating your BMO World Elite Mastercard. This
annual membership includes four (4) complimentary airport lounge passes
(over US$200 value). Use these passes for your yourself or towards the cost
of an accompanying guest. Any additional passes used within the annual
membership period will be charged US$27 per person to your BMO World
Elite Mastercard per visit.5
Travel and Medical Protection
Take things up
Travel with unlimited-trips-per-year coverage for journeys up to 21 days
(up to $2 million in eligible medical expenses).6
a notch
For more details, please review the BMO World Elite Total Travel
and Medical Certificate of Insurance in your BMO World Elite
Information Guide.
Concierge services
Need theatre ticket information? Restaurant reservations?
Enjoy free 24-hour access to our experienced concierge staff.
For more information, call 1-800-741-6758.
Car rental savings
Save up to 25% off rentals at participating National Car Rental
and Alamo Rent A Car locations.7
For full details about these features,
! visit bmo.com/creditcards or
call us at 1‑866‑991‑4769.
 Additional
option 8

Optional BMO Credit Card Balance Protection

Help protect yourself and your family in the event of unexpected
loss of income by protecting the balance on your BMO credit card.
The premium for BMO Credit Card Balance Protection is 94 cents
for each $100 of your total average daily balance (plus applicable
provincial taxes).9

Add the above option to your card

by calling 1-866-991-4769.

Additional
option
8 9
 Security and protection
Worldwide support
If you have an emergency virtually anywhere in the world, you
can contact the Mastercard Assistance Centre 24 hours a day:
• 1-800-247-4623 (within Canada and the U.S.)
• 314-275-6690 (outside North America, call collect)

Mastercard SecureCode®*
Mastercard SecureCode offers you a more secure Internet
shopping experience when you use your BMO credit card

Everyday
online. Register for your personal Mastercard SecureCode
today at bmo.com/securecode.

Extended Warranty

services to
Save the cost of buying optional extended warranty insurance
on your next purchase by paying with your BMO credit card.
This coverage doubles the original manufacturer’s warranty
period, subject to limitations and exclusions, up to a maximum

fit your life of one additional year.10

Purchase Protection
Get added protection. Items purchased with your card are
It’s more than just a piece of plastic. Your BMO World automatically insured, subject to limitations and exclusions,
Elite Mastercard includes a comprehensive suite of against theft or damage for 90 days from date of purchase.10

up-to-date card security and payment technologies, For full details on Extended Warranty and Purchase
account support services and additional insurance Protection, including limitations and exclusions, please refer

Everyday services
coverage. Designed for everyday convenience, these to the Information Guide you received with your card.

to fit your life

features make your new card the perfect payment
Identity theft recovery
option for you.
Should you become a victim of identity theft, call IDefence®§
toll‑free at 1-866-323-7187, available around the clock.
Specialists will guide you through the process of re-establishing
your personal information if your identity has been
compromised. For full details, visit www.idefence.com.

10 11
Added value service
Mastercard * contactless. Tap & go
® TM
Your BMO credit card lets you make purchases at contactless terminals
without having to swipe your card. Simply “tap” your card with contactless
on the terminal and away you “go”. For more information, visit
mastercard.ca/tapandgo
BMO alerts
Sign up for BMO alerts – an easy way to stay on top of your account details
on the go. Receive helpful information by email or text message, such
as reminders of your payment due date, credit limit, and more. Go to
bmo.com/onlinebanking to register your account.
eStatements and eStatement alerts
Securely view eStatements for your credit card account anytime through BMO
Online Banking. Sign up to receive alerts by email or text message 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 Pay
Add your BMO credit or debit card to Apple Pay and enjoy the security
and convenience of paying right from your iPhone, Apple Watch or
iPad. Pay in store11 or make payments within apps quickly and easily
with Apple Pay.12 Visit apple.com/ca/apple-pay for a list of eligible
devices.
Android Pay
BMO brings a secure and convenient way to pay using your phone and
your BMO credit or debit card. Add your BMO credit or debit card to
Android Pay and start shopping in stores and in apps. Visit Google Play
to download the Android Pay app today.
Convenient bill payment
Use the following options to make payments on your
BMO 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 payments from
your BMO account or an account at any financial payment institution
in Canada. Call 1-866-991-4769 for more information.
• In person at any BMO Bank of Montreal branch.
12
Zero Liability Protection13 for lost or stolen cards
With Zero Liability Protection, if someone uses your card without
your authorization, you are not liable if:
• you did not contribute to the unauthorized use
• y ou used reasonable care to safeguard your card and Personal
Identification Number (PIN), and
• y ou notified us by telephone within 24 hours after you learned
of the loss, theft or misuse of your card or cheques, or after
you learned or suspected that someone else knows your PIN.
If you don’t meet these criteria, you will be liable for all charges
incurred in connection with the unauthorized use.
Safeguarding your card, PIN and cheques
Please take care to safeguard your card, Personal Identification Number
(PIN) and credit card cheques against loss, theft or misuse. To safeguard
your PIN:
• you must not voluntarily disclose your PIN
• you must keep your PIN separate from your card
• y ou must not choose a PIN selected from your name, date of birth,
telephone numbers, address or social insurance number
When inputting your PIN into an ATM or point-of-sale terminal, telephone
or computer in public areas, please take reasonable precautions, such as
ensuring that no one is watching you by using your body or hand as a
shield in order to conceal your PIN from the view of others.
We encourage you to be cautious of websites, online services, callers
or other parties pretending to be Bank of Montreal (or a subsidiary)
that ask for this information or purport to bring together, summarize,
aggregate or consolidate your financial data and other information that
is currently available 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 that
someone else knows your PIN.
13
 Complaint resolution
• L evels of interest rates, service charges or fees that apply to all customers
• T ransaction or other product or service issues for which BMO records no
longer exist
•M  atters that are, or have been, before a Court, tribunal, or other independent
dispute resolution body
We hope you’ll never have a complaint about your BMO credit card
or its features, but if you do, we encourage you to contact us so BMO Financial Group Ombudsman
that we can work together to find a resolution. 1 First Canadian Place, P.O. Box 150, Toronto, ON M5X 1H3
Call: 1-800-371-2541 Email: bmo.ombudsman@bmo.com
Here are the four steps you can follow:
Fax: 1-800-766-8029 visit: bmo.com

1 Talk to Us Escalate to BMO Financial Group Privacy Office

If your complaint is regarding the privacy of your personal information
Talk to a representative at the branch or office where your
and remains unresolved after following Steps 1 and 2, you may contact
complaint originated, or where you normally conduct your business.
the Privacy Office at:
If your concerns are not resolved, please involve the Manager/Supervisor.
Email: privacy.matters@bmo.com
Alternatively, contact:
Subject line: Attn: Chief Privacy Officer
BMO Credit Card Call: 1-866-991-4769
TTY: 1-866-859-2089 Visit: bmo.com/creditcards BMO Financial Group Office of the Chief Privacy Officer
1 First Canadian Place P.O. Box 150,Toronto, ON M5X 1A1
2 Escalate to a Senior Officer
If you are still not satisfied, you can contact:
If your complaint is unresolved after following Step 1, you may escalate to
The Office of the Privacy Commissioner of Canada
the appropriate business group Senior Officer, listed below:
Call: 1-800-282-1376 Visit: privcom.gc.ca
BMO Credit Card
4 Contact an Ombuds Service
Office of the Head,
Ombudsman for Banking Services and Investments
North American Customer Contact Centre
P.O.Box 3400 RPO Streetsville, Mississauga, ON L5M 0S9 If your complaint relates to one of the following entities:
Call: 1-800-372-5111 Fax: 1-866-868-1827 · BMO Bank of Montreal (Including clients of BMO Private Banking,
3 Escalate to the BMO Ombudsman BMO Creditor Insurance Clients, and BMO Credit Card)
If your complaint is unresolved after following Steps 1 and 2, · BMO Investments Inc.
you may escalate to the BMO Ombudsman. · BMO InvestorLine Inc.
· BMO Nesbitt Burns Inc.
The BMO Ombudsman’s mandate is to conduct impartial reviews of
You also have the additional option of escalating your complaint to the
unresolved financial services complaints for customers of Canadian
Ombudsman for Banking Services and Investments (OBSI). OBSI is an
operating groups. The process is based on fairness, integrity and respect,
independent service for resolving banking services and investment disputes.
and considers: the interests of all parties, any relevant documentation,
It is your right to bring your case to OBSI for an impartial, informal and
applicable laws, rules, regulations, policies and industry practices, as well
confidential review. OBSI is not a regulator, and does not advocate for
as the overall fairness of the situation. At the conclusion of a review, the
consumers or the industry. Services are free to consumers.
BMO Ombudsman may facilitate a resolution between the parties or make
a recommendation to settle the complaint.

resolution
Complaint
Ombudsman for Banking Services and Investments (OBSI)
The BMO Ombudsman does not investigate certain types of complaints, 401 Bay Street, Suite 1505, P.O. Box 5, Toronto, ON M5H 2Y4
including: Call: 1-888-451-4519 Email:ombudsman@obsi.ca
• Credit granting policies or risk management decisions Fax: 1-888-422-2865 Visit: obsi.ca
• Decisions to close accounts
• Business decisions to change product or service offerings15

14 15
Voluntary Commitments and Codes of Conduct Terms and conditions
BMO Financial Group has participated in the development of and is committed The information in this booklet is correct as of January 15, 2018, and is subject to change.
1 BMO Rewards points will not expire as long as the BMO World Elite Mastercard card account (referred to in this
to the following Voluntary Commitments and Codes of Conduct, designed to paragraph as the “Account”) remains open and in good standing, except as described in the section of the
BMO Rewards Terms & Conditions, which deals with the program termination. On cancellation of the Account, a
protect consumers. cardholder will have 90 days in which to do either of the following: (i) redeem the points earned for one or more
rewards; or (ii) reinstate the points by either reinstating the Account or opening a new Account and linking the
1. Canadian Code of Practice for Consumer Debit 10. Undertaking on Right of Rescission of Principal points account that was attached to the cancelled Account to the new Account. After the ninety day period, unless
Card Services Protected Notes the points are reinstated, any points that remain in the points account will expire. For details, please refer to the
2. Online Payments 11. Code of Conduct for the Credit and Debit Card BMO Rewards Terms and Conditions for further details.
3. Guidelines for Transfers of Registered Plans Industry in Canada 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
4. Canadian Bankers Association Code of Conduct 12. Commitment on Modification or Replacement rate of 2 BMO Rewards points for every $1 in card purchases (“Base Rewards”) and the bonus of 1 BMO Rewards
for Authorized Insurance Activities of Existing Products and Services point for every $1 in eligible travel, dining and entertainment purchases (“Bonus Rewards”). To earn Bonus
5. Principles of Consumer Protection for 13. Code of Conduct for Federally Regulated Rewards, your purchases must be made at merchants that are classified in the Mastercard network as: airlines,
car rental agencies, hotels/resorts, cruise lines, passenger railways, tour operators, timeshares, travel agencies
Electronic Commerce: A Canadian Framework Financial Institutions – Mortgage Prepayment and tour operators, dining: eating places, restaurants, drinking places, fast food restaurants and entertainment
6. Model Code of Conduct for Bank Relations Information including motion picture theatres, theatrical producers, ticket agencies, bands, orchestras and miscellaneous
with Small and Medium Sized Businesses 14. Commitment to Provide Information on entertainers, tourist attractions and exhibits, amusement parks, carnivals, circuses, aquariums, dolphinariums,
7. Plain Language Mortgage Documents Mortgage Security zoos and seaquariums (“Applicable Merchants”). If you exceed $50,000 in combined annual purchases, you
will continue to earn the Base Rewards. Some merchants may sell the same or similar products/services as the
8. Low-Cost and No-Cost Bank Accounts 15. Commitment on Powers of Attorney and Joint Applicable Merchants or are separate merchants who are located on the premises of the Applicable Merchants, but
9. Mastercard – Zero Liability Deposit Accounts are classified by Mastercard in another manner (“Other Merchants”).You will only earn Base Rewards for purchases
made at Other Merchants.
Visit: bmo.com 2b Subject to the BMO Rewards Terms and Conditions, BMO Rewards points are calculated based on purchases
of goods or services charged to the BMO World Elite Mastercard account, less any refunds or adjustments,
Call: 1-877-225-5266, select language and then select option 3. rounded down to the nearest whole point. Cash advances (including purchases of foreign currency or travellers
cheques), interest charges, fees, credit or debit adjustments and any amount other than purchases that may
be charged to the account with the card, do not qualify for points. Bank of Montreal may establish other
Alternative Options 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
Regulators and Provincial Securities Commissions Alamo Rent A Car locations. 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
Financial Consumer Agency of Canada (FCAC) policy in the BMO Rewards Terms and Conditions as well as the Important Information about BMO Mastercard
cards enclosure.
The FCAC supervises federally regulated financial institutions to ensure they 5 Benefits provided by Priority Pass Inc. Value of the Priority Pass membership is calculated as follows: standard
membership (US$99) plus four free VIP lounge passes per membership year (worth US$108). Value and
comply with federal consumer protection laws and voluntary commitments benefits of the complimentary Priority Pass membership are subject to change without notice. Use the four
complimentary passes for yourself or to cover the cost of the lounge visit of your traveling companion. After
and codes of conduct. For example, financial institutions are required to provide using the four passes, you can continue to enjoy lounge access for a fee of only US$27 per person, per visit.
consumers with information about complaint handling procedures, fees, interest Priority Pass membership may be cancelled by BMO Bank of Montreal if your BMO World Elite Mastercard is
cancelled, closed or in delinquent status. Additional cardholders are not eligible for this benefit. For further
rates and branch closures. terms and conditions, please visit prioritypass.com. The Collinson Group Ltd. (Priority Pass) requires that BMO
provide any information reasonably required to enroll you in the Priority Pass airport lounge program.
If you have a complaint concerning a consumer protection law or a voluntary 6 Subject to terms and conditions, including limitations, exclusions and other important information contained
in the BMO World Elite Total Travel and Medical Protection Certificate of Insurance, which is sent to new
commitment or code of conduct, you may contact the FCAC at: cardholders. Out-of-Province/Out-of-Country Emergency Medical benefits are available to cardholders under
Financial Consumer Agency of Canada the age of 65. Insurance benefits provided by Allianz Global Risks US Insurance Company (Canadian Branch)
except Common Carrier Accidental Death and Dismemberment Insurance provided by Chubb Insurance
427 Laurier Avenue West, 6th Floor, Ottawa, ON K1R 1B9 Company of Canada.
7 The contract ID number (3717122 for National Car Rental and 7014883 for Alamo Rent A Car) must be
Call (English): 1-866-461-FCAC (3222) included when making a car rental reservation to receive discounts. Discount applies to base rate only at
participating National Car Rental and Alamo Rent A Car locations. Discount varies by rental date, location
Call (French): 1-866-461-ACFC (2232) and vehicle type. Taxes, other governmentally-authorized or imposed surcharges (including GST), license
and concession recoupment fees, airport and airport facility fees, fuel, additional driver fee, one-way rental
Visit: fcac-acfc.gc.ca charge and optional items (such as LDW up to US $30 per day) are extra. Renter must meet standard age,
driver and credit requirements. 24-hour advance reservation required. May not be combined with other
Note: The FCAC does not provide redress or compensation and cannot get discounts. Availability is limited. Subject to change without notice.
8 If you remove an optional feature from your account before the annual anniversary date, you may not
involved in individual disputes. receive a full refund. You may cancel this optional coverage at any time.
9 The premium is $0.94 per $100 of your total average daily balance for the billing cycle plus applicable taxes.
Tips: For a complete listing of federal consumer protection laws, This average daily balance is obtained by adding up your credit card account balances from the end of each day
in the billing cycle, including any interest and other charges. That amount is then divided by the number of days
voluntary commitments and codes of conduct, visit: fcac-acfc.gc.ca in the billing cycle to get the total average daily balance. Subject to Terms and Conditions, including limitations
and exclusions contained in the BMO Credit Card Balance Protection Certificate of Insurance. Please refer to the
Our Commitment to You Certificate for further details. Insurance benefits provided by The Manufacturers Life Insurance Company for life,
critical illness, total disability, hospitalization, and terminal illness caregiving benefits and First North American
BMO Financial Group appreciates and values the opportunity to assist you in Insurance Company for the job loss benefit.
10 Subject to terms and conditions, including limitations, exclusions and other important information contained
meeting your financial objectives today, and in the future. We’re committed to in the Certificate of Insurance, which is sent to new cardholders. Insurance benefits provided by Allianz Global
Risks US Insurance Company (Canadian Branch).
a strong customer focus: to service, to excellence, and to being responsive to help 11 Transaction limits may apply. For security reasons, periodically you may be prompted to insert your card and/or
enter your PIN when using Apple Pay.
you reach your goals. This demands that we listen to you, constantly seek ways 12 Message and data rates may apply. Contact your wireless carrier for details.

& conditions
to enhance your experience with us, and help us earn the right to be your 13 Please refer to your BMO Mastercard Cardholder Agreement for more information.

financial services provider. *Some conditions may apply.

Terms
16 17
™*/®* Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.
Used under license.
™‡ Priority Pass is a trademark of Priority Pass Inc.
®§
IDefence is a registered trademark of Davis + Henderson, Limited Partnership. Used under license.
®††
Trademarks of Vanguard Trademarks Holding USA, LLC.
Apple Pay works with iPhone 6 and later and Apple Watch in stores, and iPhone 6 and later, iPad Pro, iPad Air 2,
and iPad mini 3 and later within apps. For a list of compatible Apple Pay devices, see HYPERLINK “https://www.apple.com/
ca/apple-pay/” \t “_blank” www.apple.com/ca/apple-pay. 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.
™ Android, Google Play, Android Pay, and the Android Logo are trademarks of Google Inc.
Third-party trademarks are the property of their respective owners 10058371 (01/18)