† To be eligible for a free SPC membership, you must hold an eligible CIBC product at the time you register for the membership, which you must do through CIBC online or mobile banking. Eligible CIBC products include a CIBC Youth or Student bank account, Student credit card or Student line of credit. A complete list of eligible CIBC products can be found under "How do I qualify for SPC membership with CIBC?". Joint account holders of eligible CIBC products are not eligible for membership. You must also be a legal resident of Canada who is 14 years of age or over, but under the age of 30 years if the eligible CIBC product you use to qualify for the membership is a student line of credit. The membership will automatically renew and remain in effect for as long as you hold an eligible CIBC product.
‡ SPC+ offers are valid at participating partners in Canada. Check offer details for expiry and restrictions. Offers are subject to change without notice. Restrictions apply. Offers may vary. Usage may be restricted when used with any other offer, clearance or online promotion or retailer loyalty card. Can’t be used towards the purchase of gift cards or certificates. Offers are for SPC+ members only. Valid student ID and promo code may be required when making a purchase.
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◇ CIBC Refer-a-Friend $75 Reward Offer (the “Offer”) is part of the CIBC Refer-a-Friend (Newcomer, Student, Youth) program (the “Program”). Offer begins on March 27, 2025 at 12:01 am (ET) and ends on June 30, 2025 at 11:59 pm (ET) (the “Offer Period”). To be eligible as a referrer (a “Referrer”), individuals must: (i) be residents of Canada, (ii) have reached the age of majority in their province and territory of residence, (iii) hold a CIBC Canadian dollar chequing or savings account that is open, active and in good standing, and (iv) have registered for CIBC mobile or online banking. To be eligible as a friend (a “Friend”), an individual must: (i) from November 1, 2018 to the time of account open, not be a holder (or joint holder) of a CIBC Smart Account as determined by CIBC on the basis of its official records, (ii) have a personal or family relationship with the Referrer, and (iii) meet the eligibility requirements to open a CIBC Smart Account with CIBC Smart for Newcomers, CIBC Smart for Foreign Worker, CIBC Smart for Student or CIBC Smart Start benefits (the “Account”). To qualify to receive a $75 referral reward (the “Reward”), a Referrer must refer a Friend and the Friend must open the Account during the Offer Period and complete all qualifying actions in accordance with the CIBC Refer-a-Friend Program Terms (PDF, 110 KB) Opens in a new window. Limit of one (1) Reward payable to a Referrer per qualifying Friend and one (1) Reward payable to a qualifying Friend, regardless of how many CIBC Smart accounts are opened by the Friend. Referrer may receive up to fifty (50) Rewards per calendar year. Referrals containing the “Refer and Earn” link must be created and distributed in a personal manner that is appropriate and customary for communications with friends and family members and must not appear to be sent by or on behalf of CIBC. Bulk email distribution, distribution to strangers, or individuals with whom the Referrer does not have a personal or family relationship may be grounds for immediate termination from the referral program, revocation of Rewards and further legal action by CIBC. CIBC reserves the right to end, cancel, change or suspend this Offer or the Program, or change these terms for any reason without notice. Other conditions apply. To learn more, refer to the Refer-a-Friend Program Terms and Conditions (PDF, 110 KB). Opens in a new window.
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