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Spending power. Recognition. An exclusive selection of benefits. The CIBC Platinum VISA* card offers the everyday conveniences you need and the recognition you deserve - with no annual fee. You'll enjoy a host of genuine CIBC Platinum VISA features, such as a credit limit starting at $5,000 (up to $50,000 depending on your credit history) and a bundle of no-fee insurances. Basic cards just can't compare.

Chip technology

CIBC VISA Cards will now be issued with chip technology**. This technology is tested, proven and in wide use around the world. Chip cards are quickly becoming the new global standard for enhanced safety and security against credit card fraud. View important information on how to use your chip-enabled CIBC VISA Card.

The CIBC Platinum VISA card is a perfect fit for you if:

• You need the day-to-day convenience of a credit card with extended purchasing power
• You want to get a credit card with premium benefits and no annual fee (current regular annual interest rate is 19.5%1)
• Your household income is $35,000 or more

With CIBC CreditSmart, you can manage, track and organize your credit card activity - plus protect yourself from fraud.

• Online Spend Report: get a more detailed view of your credit card spending and create customized monthly budgets
• Personal Spend Manager: create your own personal spend categories to track and manage what's important to you
• Enhanced Monthly Statement: track and manage your monthly and year-to-date spending organized in 10 common spend categories on your printed statement
• Spend Alerts: set up alerts through CIBC Online Banking and choose to be notified by phone, e-mail or online message when you've exceeded your customized budget or are nearing your credit limit2
• Credit Report Alerts: stay up-to-date on key changes to your personal credit report so you're aware of any unusual activity on your credit file3
• Fraud Alerts: set up alerts and choose to be notified as soon as possible about potential unauthorized use of your credit card through alerts by e-mail or online message
• Identity Theft Assistance: get quick access to guidance and clear instructions on what to do if you suspect you're a victim of identity theft by calling 1-800-465-4653

From ways to help manage spending to features that offer new levels of card security, your CIBC VISA Card is The card for the way you live life. On your terms™.

The value of your CIBC Platinum VISA card goes far beyond everyday convenience:

You will also receive these great credit card advantages:

• VISA Auto Rental Collision/Loss Damage Insurance4
• $500,000 Common Carrier Accident Insurance4
• Purchase Security and Extended Protection* Insurance4
• AVIS car rental discounts up to 20% at participating locations5
• Free personalized CIBC Convenience Cheques6
• Guaranteed Hotel Reservations
• Cash advances of up to $1,000 a day7
• Emergency card replacement
• Worldwide VISA acceptance at over 24 million locations
• 24/7 roadside assistance in Canada or the mainland U.S. with no upfront fees and a market rate guarantee with Driver Assist8

Also, check out these great Optional Features:

• CIBC Payment Protector™ provides credit card protection when you need it the most
• CIBC Auto Club offers travel protection when driving in Canada and the U.S.
• CIBC Trip Cancellation/Trip Interruption Insurance
• CIBC Emergency Travel Medical Insurance

Trademarks and Disclaimers

1 The current regular annual interest rate is 19.5% for purchases and 21.5% for cash advances, balance transfers and convenience cheques.

2 Transactions must first be posted to your account before they can trigger a spend alert. It may then take up 24 hours after a triggering transaction is posted for an alert to be sent.

3 This service is provided by Equifax Canada, a leading credit bureau in Canada.

5 AVIS discounts are available at participating AVIS locations and are applied automatically when you use the Card to pay for the rental (Quebec residents may obtain the discount without using their Card, provided they show the Card when paying by an alternative payment option acceptable to AVIS).

6 Personalized CIBC Convenience Cheques can be ordered by calling a CIBC Card Services Representative. Convenience Cheques are treated as cash advances. Convenience Cheques bear interest from the date they are posted to your credit card account. Cheques cannot be used for payments on or balance transfers from other CIBC cards, Personal Lines of Credit or Loans and Mortgages. Convenience Cheques cannot be certified.

7 Cash advances bear interest from the date they are taken. Advances are subject to available credit and daily limits.

8 The market rate guarantee applies to tows of less than 50 kms and non-towing services, only; if you get a lower, written quote for the same service from another towing operator in the same market area, you’ll be reimbursed the difference between that quote and what you paid the towing company to which you were referred. The Driver Assist service is provided by Dominion Automobile Association (DAA).

™ "CIBC for what matters" and "CIBC CreditSmart" is a trademark of CIBC.

* VISA Int./lic. user.

**Excludes CIBC U.S. Dollar VISA Card

Insurance Features/Options:

4 Common carrier fares must be charged to the card prior to your departure to activate coverage. $500,000 Common Carrier Accident Insurance is available only to the primary cardholder and his/her spouse and dependent children; coverage is up to $500,000. 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 (CDW) or Loss Damage Waiver (LDW) insurance must be declined and the full cost of the rental must be charged to your card. The Purchase Security feature helps protect most new items of personal property when the purchase price is charged to your card by insuring the item for 90 days from purchase in the event of loss, theft or damage. The Extended Protection feature doubles the term of your original Canadian or U.S. manufacturer's warranty up to one year on most new items of personal property when the purchase price is charged to your card. Purchase Security & Extended Warranty Insurance are "excess insurance" (meaning it covers you only to the extent your claim exceeds any other collectible insurance that would apply without this insurance). All Insurances are underwritten by Royal & Sun Alliance Insurance Company of Canada and are subject to limitations and exclusions outlined in the insurance certificates distributed with the Card Package.