Credit Card Rates and Fees

The credit card interest rates and fees shown below are current. They are subject to change from time to time on at least 30 days' prior notice.

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Card	Interest Rate	Annual Fee/Additional Card Fee
CIBC VISA
CIBC Aero Classic VISA* Card	19.5%	$29/Nil
CIBC Aventura® Gold VISA Card	19.5%	$120/$50
CIBC Aventura VISA INFINITE* Card	19.5%	$120/$50
CIBC Dividend Card®	19.5%	Nil/Nil
CIBC Classic VISA Card	18.5%	Nil/Nil
CIBC U.S. Dollar VISA Card	18.5% (19.0% cash advance)	US $35/Nil
CIBC Gold VISA Card	19.5%	$99 ($69 seniors age 65 & over) /$30
CIBC Aerogold®1 VISA Card	19.5%	$120/$50
CIBC Aerogold VISA INFINITE Card	19.5%	$120/$50
CIBC Platinum VISA card	18.5%	Nil/Nil
CIBC Dividend Platinum™ card	19.5%	$79/$30
CIBC Select VISA Card	11.5%	$29/Nil

If you apply for a CIBC Dividend Card, CIBC Classic VISA Card, CIBC Aventura Gold VISA Card, CIBC Aero Classic VISA Card or a CIBC Aerogold VISA Card and your credit rating and financial situation do not meet certain criteria set by CIBC, CIBC may still issue you the credit card but at a higher interest rate.

Interest begins to accrue from the transaction date of each card purchase or other transaction if you do not pay, by the payment due date, the full balance owing on the statement on which the item appears and (except for Quebec) if you did not pay your previous month's balance in full. Interest begins to accrue on cash advances from the date they are taken. Interest begins to accrue on Convenience Cheques/balance transfers from the date they are posted to your credit card account.

Domestic cash advance fee:

A $2.50 charge applies to each cash advance obtained in Canada at any financial institution, any bank machine displaying the VISA or INTERAC* symbol, through CIBC Telephone Banking or Online Banking.

International cash advance fee:

A $5 charge applies to each cash advance obtained at any financial institution or any bank machine outside Canada.

Foreign currency transactions:

You are charged the same conversion rate CIBC must pay, plus an administration fee of 2.5% of the converted amount, on both debits and credits.

Other fees may apply to your credit card account. They include:

Overlimit fee

A $20 fee is charged if your balance exceeds your credit limit on the day we prepare your monthly statement. An overlimit fee will not be charged for CIBC Aventure VISA INFINITE Cards or CIBC Aerogold VISA INFINITE Cards.

Dishonoured Cheque Charge

$25 is charged when a Convenience Cheque or Balance Transfer is not accepted due to insufficient credit limit.

Dishonoured Payment Charge

$25 is charged when a payment to your VISA account by cheque or preauthorized debit from any financial institution, including CIBC, is not accepted due to non-sufficient funds (NSF), account closure or a stop payment.

Inactive accounts with credit balances:

The following fees apply only to an inactive CIBC Classic VISA Card, CIBC Dividend Card, Dividend Platinum Card, CIBC Select VISA Card or U.S. Dollar VISA Card account with a credit balance, if the account was closed before February 1, 2007:

Inactive for 1 year	... the lesser of $5 or the credit balance.
Inactive for 2 years	... the lesser of $15 or the credit balance.
Inactive for 5 years	... the lesser of $25 or the credit balance.
Inactive for 9 years	... the lesser of $30 or the credit balance.

Account maintenance fee:

Inactive accounts carrying a credit balance that has not changed for 360 consecutive days will be subject to an ongoing account maintenance fee of $10 or the full credit balance, whichever is less.

Statement copy fee:

$2 is charged for each copy of a prior month's statement. There is no charge for a copy of the current month's statement or if the statement is viewed online through CIBC Online Banking.

Sales draft copy fee:

$2 is charged for each copy of a sales draft that appeared on a prior month's statement. There is no charge for a copy of a sales draft appearing on the current month's statement. If the inquiry is due to a bank error, there is no charge.

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* VISA Int./lic. user.

® Registered Trademark of CIBC

®1 Aerogold is a Registered Trademark of Aeroplan LP; CIBC, Authorized Licensee of Mark.

TM Trademark of Interac Assoctiona; CIBC authorized Licencee