MasterCard®

First Calgary Financial offers a wide variety of MasterCard credit cards with unique features designed to fit your needs.

For detailed information about the cards below or to apply for a First Calgary Financial MasterCard, simply speak with a Personal Banker at your nearest branch location or apply online with CUETS Financial our MasterCard® provider.


MASTERCARD
PRODUCT

CREDIT LIMIT
RANGE

ANNUAL
FEE
1

INTEREST
RATE
1

FEATURES

Low Fee2

$500-
$35,000

$12
($24 with
CHOICE
REWARDS)

19.49%

  • 1,000 bonus sign-up points
  • MasterPurchase5
  • MasterTrip7
  • 21 day grace period1
    (on eligible new purchases)
  • Reward points3, 1 point/$1

Low Fee
Gold
2

$500-

$35,000

$35
($59 with CHOICE
REWARDS)

19.49%

  • 3,000 bonus
    sign-up points
  • MasterRental6
  • MasterPurchase5
  • MasterTrip7
  • 21 day grace period1
    (on eligible new purchases)
  • Reward points, 1 point/$1

Gold2

$500-

$35,000

$96
($120 with CHOICE
REWARDS)

19.49%

  • 5,000 bonus sign-up points
  • MasterRental6
  • MasterPurchase5
  • MasterTrip7
  • Travel Medical Insurance8
  • 21 day grace period1
    (on eligible new purchases>
  • Reward points, 1 point/$1

Student2

$500-

$2,000

$0
($24 with CHOICE
REWARDS)

19.49%

  • 1,000 bonus sign-up points
  • MasterPurchase5
  • MasterTrip7
  • 21 day grace period1
    (on eligible new purchases)
  • Reward points, 1 point/$1

No Fee2

$500-

$35,000

$0

19.99%

  • MasterTrip7
  • 21 day grace period1
    (on eligible new purchases)
  • Reward points, 1 point/$2

Low Rate2

$500-

$35,000

$30

11.99%

  • MasterTrip7
  • 21 day grace period1
    (on eligible new purchases)

World Elite2

$500-

$35,000

$150

19.49%

  • 5,000 bonus sign-up points
  • MasterRental6
  • MasterPurchase5
  • MasterTrip7
  • Travel Medical Insurance8
  • Concierge9
  • Price Protection10
  • 21 day grace period1
    (on eligible new purchases)
  • Reward points, 2 point/$1

 

1 DISCLOSURE INFORMATION
For information on rates and fees refer to the Information Box attached to the CHOICE REWARDS MasterCard credit card application.

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2CORE FEATURES

  • Global access
  • ATM access
  • Lost/stolen card assistance
  • Emergency cash & card replacement assistance

 

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3CHOICE REWARDS

  • Merchandise rewards
  • Charitable donations
  • Travel rewards
  • No blackout periods
  • Unrestricted seating
  • Cash Back as statement credits
  • Cardholders’ choice of travel carrier (airline, train, cruise, etc.), hotel, and car rental agency

 

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4CHOICE REWARDS World Elite MasterCard credit card/Platinum Class MasterCard credit card
The Platinum Class credit card will only be offered to customers who apply for the World Elite MasterCard credit card but do not meet the income criteria of $70k personal income, or $120k total household income. World Elite and Platinum Class credit cards have the same material financial terms unless otherwise disclosed in the Information Box on the application. These accounts also have the same material rewards program terms, but the CHOICE REWARDS World Elite Account rewards program does not contain points earn rate limits that apply to the Platinum Class Account. The CHOICE REWARDS World Elite Account also has additional embedded benefits such as Concierge Service and Price Protection.

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5MASTERPURCHASE

  • Protects eligible purchases against theft, loss and damage
  • Doubles on qualifying manufacturer's warranty on eligible purchases up to a maximum of two years
  • Conditions, limitations and exclusions apply. Refer to MasterCard Guide to Coverage for full details

 

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6MASTERRENTAL

  • Collision damage waiver
  • Car rental accidental death coverage
  • Personal effects benefits
  • Coverage on qualifying vehicles/rental agreements only
  • Conditions, limitations and exclusions apply. Refer to MasterCard Guide to Coverage for full details

 

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7MASTERTRIP

  • Common Carrier Insurance ($500,000 on World Elite/Platinum Class, Gold and Low Fee Gold; $100,000 on Low Fee, No Fee, Low Rate and Student cards)
  • Baggage Delay
  • Trip Cancellation ($3,000 on World Elite/Platinum Class and Gold cards; $1,000 on Low Fee Gold and Low Fee cards only)
  • Unexpected Return Home (up to $2,000 for World Elite/Platinum Class, Gold and Low Fee Gold cards only)
  • Accidental Death ($1,000 on World Elite/Platinum Class, Gold and Low Fee Gold cards only)
  • Emergency Assistance Services (World Elite/Platinum Class, Gold and Low Fee Gold cards only)
  • Conditions, limitations and exclusions apply. Refer to MasterCard Guide to Coverage for full details

 

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8OUT OF PROVINCE/COUNTRY TRAVEL MEDICAL INSURANCE

  • Coverage applies to cardholders and their spouses 75 years of age or under and eligible dependent children
  • Maximum $2,000,000 per covered person
  • Covers up to 15 days of each trip outside your province of residence
  • Emergency medical transportation
  • Emergency medical and dental care
  • Hospital services
  • Prescriptions and treatments
  • Friend/family hospital visits
  • Legal assistance
  • 24-hour Travel Assistance Services
  • Optional extension of coverage is available
  • Conditions, limitations and exclusions apply. Refer to MasterCard Guide to Coverage for full details

 

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9CONCIERGE SERVICES
Book all your travel needs. Make dinner reservations at trendy restaurants. Reserve tickets for the hottest concerts or shows. And much more (Conditions, limitations and exclusions apply. Refer to MasterCard Guide to Coverage for full details). Any costs incurred in connection with these services are charged to your CHOICE REWARDS World Elite MasterCard credit card.

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10PRICE PROTECTION
If you make an eligible purchase with your MasterCard credit card and find the same product advertised in Canada at a lower price within 60 days after purchase, the difference will be refunded, up to $500.00. Conditions, limitations and exclusions apply. Refer to MasterCard Guide to Coverage for full details. Benefits are listed to assist with the sales process and are intended for informational purposes only. Please refer to the Insurance Certificates for full details of all benefits.

* Credit Limits over $35,000 must be approved by CUETS Financial and will be considered within the CAP program.

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Information is current as of September 2015, and is subject to change. CUETS Financial is a division of The Toronto-Dominion Bank. All trade-marks are the property of their respective owners. CUETS is a trade-mark of Credit Union Central of Canada, used under licence.

All trade-marks are the property of their respective owners.

 

MasterCard® Credit Card Core Features

Global Acceptance at 17,000,000 locations worldwide

ATM access at over 890,000 locations worldwide in 220 countries and territories on 7 continents

Common Carrier Travel Accident Insurance ($100,000)

24 hour emergency card replacement and emergency cash with one phone call

Master RoadAssist® 24-hour roadside assistances at preset rates

Lost and stolen card assistance 24 hours a day, 7 days a week.

Balance Protection Insurance against job layoff or involuntary dismissal, disability illness or accident. Payment will be made on your account until you return to work, up to $10,000. In the event of loss of life, total balance will be paid, up to $10,000

Lost or Stolen MasterCard®

Report toll-free telephone:
1-800-LOST-111
(1-800-5678-111)