Bank of Montreal
 


How can I qualify for the AIR MILES®† debit program?

You can earn reward miles on your lead account* when you have one of the following Bank Plans: Performance, Premium, Senior Plan with AIR MILES, Employee and Platinum Banking. Simply ask us to add your AIR MILES Collector Number if you have not already done so.


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I use two different accounts for my debit purchases. Will the debit purchases on both accounts be combined to calculate my reward miles?

Only debit purchases made from your lead account* in a qualifying Banking Plan will be eligible to earn AIR MILES reward miles at a rate of 1 AIR MILES reward mile for every $40 spent.

If you are unsure which account is the lead account, review your BMO bank statement, visit your local branch or call 1 800 363-9992.

If your two accounts are in separate qualifying Banking Plans and each is the lead account in the Banking Plan you will earn reward miles on both accounts for your debit purchases.


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Why am I only going to earn one reward mile for every $40 debit spent on my debit card when I earn one reward mile for each $15 purchase on my BMO Gold MasterCard?

Earning reward miles on your debit purchases is not meant to replace purchases you would have normally used your BMO MasterCard for. In order to maximize the reward miles you can earn, we encourage you to continue using your MasterCard. For situations where you would not normally use your MasterCard or for purchases at merchants that do not accept credit cards, your debit card is available for you to use as an alternative so that you can get rewards for all purchases at no additional cost to you.


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As a senior, why are you charging me a fee just to collect AIR MILES reward miles?

The new Senior Plan has been designed with the benefits and advantages that our senior customers have told us they value. Some of these features include: unlimited monthly transactions, unlimited account history inquiries, personalized cheques, money orders, drafts, certified cheques and stop payments all at no monthly cost. Learn more.

If you love to collect AIR MILES reward miles but don’t want to pay a fee, consider switching you purchases to the no-fee BMO AIR MILES MasterCard. You’ll earn AIR MILES at a faster rate of 1 AIR MILES reward mile for every $20 spent.


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Do ABM withdrawals qualify for the 1/$40 debit purchase reward?

No, only debit purchases qualify.


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Do I qualify for this program with my Discontinued banking Plan?

Discontinued Plans do not qualify to earn AIR MILES reward miles for debit purchases. You can earn reward miles only on your lead account* with one of the following Everyday Banking Plans: Performance, Premium, Senior Plan with AIR MILES, Employee or Platinum Banking. However, balances in accounts in the discontinued banking plans and pay-as-you-go accounts will count towards the 25% bonus reward miles on Gold MasterCard purchases for maintaining a total daily balance of $5,000 in your BMO account(s). To earn additional rewards, the same AIR MILES Collector Number must be linked to all of your bank accounts and Gold AIR MILES MasterCard. To verify that the same Collector Number is linked to all your products visit your local branch or call 1 800 363-9992.


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I have a Gold MasterCard and $5000 in my bank accounts. Why am I not receiving 25% bonus?

To earn the bonus, the same AIR MILES Collector Number must be linked to all of your bank accounts and Gold AIR MILES MasterCard. To verify that the same Collector Number is linked to all your products visit your local branch or call 1 800 363-9992.


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How can I find out how many AIR MILES reward miles I earn through BMO?

Your Everyday Banking statement(s) will include an AIR MILES Summary for AIR MILES collectors. The AIR MILES Summary will display the amount of reward miles earned on debit purchases for the stated time period. The AIR MILES Summary will not include AIR MILES reward miles earned from bonus or promotional offers.

Gold MasterCard statements will display the 25% bonus reward miles earned for maintaining a $5,000 balance across your BMO chequing and/or savings account(s). The bonus displayed is based on the account(s) balance in the month prior to the MasterCard statement date. For example, for MasterCard statements received in December the customer must have maintained the minimum balance each day during the month of November.

All rewards, including promotional offers, can be viewed on your AIR MILES Collector Summary statement and/or through airmiles.ca.

If you have questions about the reward miles you have earned from BMO you can also visit your local branch or call 1 800 363-9992.


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Will I earn reward miles on debit card purchases from any merchant?

Yes. All the purchases you make using your debit card (to a maximum of $1,600) will contribute to your overall monthly spend, regardless of where you use it. It is not limited to purchases made at other AIR MILES Sponsors. Refer to question #1 above to see how you can qualify.


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How do debit returns at a merchant impact my monthly reward miles?

Your monthly reward miles are based on your total debit purchases less your total debit returns for the month. Refer to question #1 above to see how you can qualify.


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If I make a debit purchase at a merchant who is an AIR MILES Sponsor, will I receive reward miles on both my debit purchase through my Everyday Banking account and from the Sponsor?

Yes, if you present your AIR MILES Collector Card to the merchant at the time of purchase, you will qualify to earn reward miles from the Sponsor and your debit purchase will be part of your monthly total BMO debit spend that will qualify to earn rewards. Refer to question #1 above to see how you can qualify.


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How does the AIR MILES Program compare to some of the offers from other banks?

The reward miles you earn from BMO are ongoing and the program applies to existing and new customers. You will continue to earn reward miles on a monthly basis and depending on the amount of purchases you make and other products you have, you can quickly surpass the value of the competitor offers. The other banks’ reward offers are typically a one-time only offer for new customers, and there is no ongoing benefit to you. Depending on the program, there may also be set up requirements and conditions like pre-authorized debits or pre-authorized credits. In addition, with AIR MILES reward miles you have the benefit of redeeming your reward miles for more than 800 items, giving you the opportunity to redeem for something you really value.


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What can I redeem AIR MILES reward miles for?

There are over 800 products and services you can redeem your reward miles for. They range from travel to gift cards, to merchandise, leisure and entertainment items. For full details of all the reward options, AIR MILES Collectors can visit airmiles.ca or call 1-888-AIR-MILES.

Sample Rewards:

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* The lead account in your BMO Everyday Banking Plan is the one designated from which Banking Plan fees and/or transaction fees are withdrawn.

1 Merchandise Rewards include all taxes, shipping and handling costs. All Rewards offered are subject to the Terms and Conditions of the AIR MILES Reward Program, are subject to change and may be withdrawn without notice. Quantities may be limited and some restrictions may apply. No cancellations, exchanges or refunds for tickets, certificates or merchandise once booked or ordered. See www.airmiles.ca for details. Manufacturers’ warranties apply to merchandise Rewards. LoyaltyOne, Inc. makes no representations or warranties, express or implied.

2 iPod is a registered trademark of Apple Inc. Apple is not a sponsor of, nor a partner in, this promotion.