Network: Mastercard

  • Earn Asia Miles on your purchases
  • Accepted at Costco
  • 10% discount on Cathay Pacific flights
Learn More

The Cathay World Elite Mastercard – powered by Neo is not available in Quebec.

Welcome Offer

  • Earn up to 60,000 Asia Miles as a welcome bonus: 35,000 Asia Miles on approval and 25,000 Asia Miles after $5,000 in purchases in 3 months
  • 15% discount on Cathay Pacific flights with promotional code

Features of the Cathay World Elite Mastercard – powered by Neo:

  • 2 Asia Miles for every $1 spent on purchases made in foreign currencies
  • 4 Asia Miles per dollar on Cathay Pacific purchases
  • 5 Asia Miles per dollar on average at thousands of Neo partners across the country
  • 1 Asia Mile per dollar on purchases made in Canada
  • Enjoy exclusive member benefits: priority check-in, free extra baggage and access to Cathay Pacific lounges
  • Benefit from comprehensive insurance covering medical emergencies, cancellations and lost baggage
  • Access over 1,300 airport lounges worldwide with DragonPass
  • Avoid queues with Mastercard’s Fast Track service at security checkpoints
Annual Fee
  • Primary card $180
  • Additional card
Annual Income Required
  • Individual $80,000
  • Household $150,000
Conversion fees
  • 2.5 %
Interest Rates
  • Purchase Rates 19.99 %
  • Cash Advance Rates 22.99 %
  • Balance Transfer Rates 22.99 %
Earning Rate
  • All Spending1miles
  • Groceries1miles
  • Gas1miles
Value
  • Year 1 $930
  • Year 2+ $180
Best For
Transfer Partners
  • Asia Miles

Advantages

  • Annual Credit
  • VIP Lounges
  • Concierge
  • Wifi
  • Travel credit

Travel Insurance

Insurance Name
Included
Amount
Duration
Travel Medical Insurance
Travel medical insurance up to 54 years old
$1,000,000
14 day(s)
Travel medical insurance up to 64 years old
Travel medical insurance 65+
Trip Cancellation Insurance
$1,000
Trip Interruption Insurance
$1,000
Common Carrier Travel Accident Insurance
$100,000
Flight Delay Insurance
$250
Delayed Baggage Insurance
$1,000
Lost/Stolen Baggage Insurance
Auto Rental Loss/Insurance
$65,000
48 day(s)
Hotel/Motel Burglary Insurance
$1,000
  • No Foreign Transaction Fee
  • Accepted at Costco
  • Prepaid card
Learn More
  • Free withdrawals from any ATM in Canada
  • 0.5% cash back on every purchase
  • Get the same great rate as your Personal Account until you spend
  • No FX fees, monthly fees, or other hidden fees
Annual Fee
  • Primary card $0
  • Additional card
Annual Income Required
  • Individual $0
  • Household $0
Conversion fees
  • %
Interest Rates
  • Purchase Rates
  • Cash Advance Rates
  • Balance Transfer Rates
Earning Rate
  • All Spending0.5%
  • Groceries0.5%
  • Gas0.5%
Value
  • Year 1 $120
  • Year 2+ $120
Best For
  • No conversion fees
Transfer Partners
  • Cash Back

Advantages

  • Annual Credit
  • VIP Lounges
  • Concierge
  • Wifi
  • Travel credit

Travel Insurance

Insurance Name
Included
Amount
Duration
Travel Medical Insurance
Travel medical insurance up to 54 years old
Travel medical insurance up to 64 years old
Travel medical insurance 65+
Trip Cancellation Insurance
Trip Interruption Insurance
Common Carrier Travel Accident Insurance
Flight Delay Insurance
Delayed Baggage Insurance
Lost/Stolen Baggage Insurance
Auto Rental Loss/Insurance
Hotel/Motel Burglary Insurance
  • 30 XP yearly
    Earn 30 XP per year to advance your Flying Blue Status
  • Up to 30 Miles per dollar
    At Merchant Partners
  • 5 Miles per Euro spent with Air France KLM
    In addition to regular Miles earned with your Flying Blue Status
Learn More

Card features:

  • 60 XP welcome bonus for new cardholder + 30XP on your card anniversary renewal
  • First-year annual fee rebate (instead of $132)
  • Up to 30 Miles per $1 spent at Merchant Partners
  • 2 Miles per $1 spent on food and drinks (restaurants, bars)
  • 1 Mile per $1 spent everywhere else
  • Free Wi-Fi Boingo
Legal

60 XP as a welcome bonus

Annual Fee
  • Primary card $132
  • Additional card $50
Annual Income Required
  • Individual $80,000
  • Household $150,000
Conversion fees
  • 2.5 %
Interest Rates
  • Purchase Rates 19.99 %
    19.99 % (QC)
  • Cash Advance Rates 21.5 %
    21.5 % (QC)
  • Balance Transfer Rates 19.99 %
    19.99 % (QC)
Earning Rate
  • Dining and Food delivery2miles
  • All Spending1miles
  • Groceries1miles
Value
  • Year 1 $415
  • Year 2+ $283
Best For
Transfer Partners
  • AeroplanFlying Blue

Advantages

  • Annual Credit
  • VIP Lounges
  • Concierge
  • Wifi
  • Travel credit

Travel Insurance

Insurance Name
Included
Amount
Duration
Travel Medical Insurance
Travel medical insurance up to 54 years old
$5,000,000
15 day(s)
Travel medical insurance up to 64 years old
$5,000,000
15 day(s)
Travel medical insurance 65+
$5,000,000
3 day(s)
Trip Cancellation Insurance
$2,000
Trip Interruption Insurance
$5,000
Common Carrier Travel Accident Insurance
$150,000
Flight Delay Insurance
$500
Delayed Baggage Insurance
$500
Lost/Stolen Baggage Insurance
$1,000
Auto Rental Loss/Insurance
$85,000
48 day(s)
Hotel/Motel Burglary Insurance
$2,500
  • Prepaid card
  • Purchase Insurance
  • Accepted at Costco
Learn More
  • Prepaid card
Legal

*Terms and conditions apply

BMO is not responsible for maintaining the content on this site. Please click on the Apply now link for the most up to date information

Annual Fee
  • Primary card $10
  • Additional card $0
Annual Income Required
  • Individual $0
  • Household $0
Conversion fees
  • 2.5 %
Interest Rates
  • Purchase Rates
  • Cash Advance Rates
  • Balance Transfer Rates
Value
  • Year 1 $-10
  • Year 2+ $-10
Best For

Advantages

  • Annual Credit
  • VIP Lounges
  • Concierge
  • Wifi
  • Travel credit

Travel Insurance

Insurance Name
Included
Amount
Duration
Travel Medical Insurance
Travel medical insurance up to 54 years old
Travel medical insurance up to 64 years old
Travel medical insurance 65+
Trip Cancellation Insurance
Trip Interruption Insurance
Common Carrier Travel Accident Insurance
Flight Delay Insurance
Delayed Baggage Insurance
Lost/Stolen Baggage Insurance
Auto Rental Loss/Insurance
Hotel/Motel Burglary Insurance
  • 1.5% cash back on online purchases
  • Purchase Insurance
  • Accepted at Costco
Learn More
  • Earn up to 1.5% cash back on eligible purchases (gas, groceries and online)
  • Get 1% unlimited cash back on all other eligible purchases
  • Earn a minimum of $25 cash back and access your account online to apply it to your credit card statement
  • Purchase insurance against theft or damage
  • Extended warranty
Legal

Cash back details

All eligible purchases qualify for 1% cashback when your account is in good standing. Your account is in good standing when you meet the obligations of your credit card agreement (e.g. make the minimum payment by the due date). The cashback will be paid as a credit applied to your account and cannot be paid in cash. An additional cashback of 0.5% is granted on the first $25,000 of eligible gas, grocery and online purchases charged annually to your credit card account. The additional cashback of 0.5% does not apply when the total of your annual eligible purchases exceeds $25,000. Above this amount, the cash back is equivalent to 1% on all eligible purchases. For conditions and restrictions applying to cash back, and for a detailed list of codes associated with participating merchants, please refer to the Accumulation Grid [PDF] and applicable rules [PDF].

Credit terms

Grace period: No interest will be charged on purchases made during the month, provided the client pays the balance in full within twenty-one (21) days of the statement date. This grace period does not apply to cash advances or balance transfers.

Minimum payment: If your account balance is lower than $10, you must pay the entire balance.

If you reside in the province of Quebec, your minimum payment is the greater of 5% of your account balance, plus any overdue amounts, or $10.

If you live outside Quebec, your minimum payment is 2.5% of your credit card balance, plus any past-due amount or $10, whichever is greater.

Account statement: A statement is sent monthly.

Example of credit charges over a 30-day period

Annual interest rate Average balance
$500 $3,000
22.49% (regular card) $9.24 $55.45
20.99% (regular card) $8.63 $51.76
12.95% (Syncro card) $5.32 $31.93
8.95% (Syncro card) $3.68 $22.07

*Variable interest rate in effect on September 1, 2021.

Balance transfer and cash advance are subject to credit approval by National Bank. Each balance transfer must be at least $250.

Annual Fee
  • Primary card $30
  • Additional card $0
Annual Income Required
  • Individual $0
  • Household $0
Conversion fees
  • 2.5 %
Interest Rates
  • Purchase Rates 20.99 %
  • Cash Advance Rates 22.49 %
  • Balance Transfer Rates 22.49 %
Earning Rate
  • Groceries1.5%
  • Gas1.5%
  • Online transactions1.5%
Value
  • Year 1 $252
  • Year 2+ $252
Best For
  • Grocery stores
Transfer Partners
  • Cash Back

Advantages

  • Annual Credit
  • VIP Lounges
  • Concierge
  • Wifi
  • Travel credit

Travel Insurance

Insurance Name
Included
Amount
Duration
Travel Medical Insurance
Travel medical insurance up to 54 years old
Travel medical insurance up to 64 years old
Travel medical insurance 65+
Trip Cancellation Insurance
Trip Interruption Insurance
Common Carrier Travel Accident Insurance
Flight Delay Insurance
Delayed Baggage Insurance
Lost/Stolen Baggage Insurance
Auto Rental Loss/Insurance
Hotel/Motel Burglary Insurance
Learn More
Annual Fee
  • Primary card $0
  • Additional card $0
Annual Income Required
  • Individual $0
  • Household $0
Conversion fees
  • 1.5 %
Interest Rates
  • Purchase Rates 19.99 %
  • Cash Advance Rates 21.5 %
  • Balance Transfer Rates 19.99 %
Earning Rate
  • AIR MILES partners1%
  • Air Canada1%
  • All Spending0.5%
Value
  • Year 1 $120
  • Year 2+ $120
Best For
  • No conversion fees
Transfer Partners
  • Cash Back

Advantages

  • Annual Credit
  • VIP Lounges
  • Concierge
  • Wifi
  • Travel credit

Travel Insurance

Insurance Name
Included
Amount
Duration
Travel Medical Insurance
Travel medical insurance up to 54 years old
Travel medical insurance up to 64 years old
Travel medical insurance 65+
Trip Cancellation Insurance
Trip Interruption Insurance
Common Carrier Travel Accident Insurance
Flight Delay Insurance
Delayed Baggage Insurance
Lost/Stolen Baggage Insurance
Auto Rental Loss/Insurance
Hotel/Motel Burglary Insurance
  • Get up to $150 in rewards with 5% back at Amazon.ca, Whole Foods Market stores, grocery stores, and restaurants for 6 months after approval , on first $3,000 in eligible purchases††
  • Earn rewards on all eligible purchases at Amazon.ca – and Whole Foods Market stores in Canada!
  • Prime members get 2.5% back on Amazon.ca, Whole Foods Market stores, and foreign currency transactions.
  • Not a Prime member? After the welcome offer ends, get 1.5% back on eligible purchases at Amazon.ca and Whole Foods Market stores..
  • Get 1% back on eligible purchases everywhere else Mastercard is accepted.
  • Redeem for millions of items at Amazon.ca
  • No annual credit card fees

Please read our guide about Amazon Prime.

Legal information

This is an outline of the rewards program (“program”) associated with this credit card account. To participate in the program, you must have an open Amazon.ca account in good standing and comply with the program terms and conditions. The Amazon Prime membership of the Amazon.ca account you choose to link to your credit card account will determine the number of points earned on eligible purchases. Points earned will be redeemed for an Amazon.ca gift card(s), which Amazon will upload to your Amazon.ca account. Complete terms and conditions outlining program eligibility, limitations and restrictions will be sent after your credit card account is opened. The Toronto-Dominion Bank has no obligation or liability with respect to the Amazon.ca Gift Card(s) or any component of your Amazon.ca account.

†† Limit one bonus point offer (no cash value) per new credit card account. This offer applies only to eligible purchases made within six months of opening the credit card account: (a) eating establishments and fast food outlets (merchant category code 5812 and 5814); (b) grocery stores or supermarkets (Merchant Category Code 5411); (c) on the Amazon.ca website; and (d) any Whole Foods Market physical store in Canada. For clarity, this offer is not in addition to, but rather in lieu of, the standard accrual rates of the rewards program associated with the account. Standard accrual rates will apply to purchases that are not in the above categories, as well as to purchases in the above categories after $3,000 in eligible purchases. This promotion is offered by MBNA and Amazon, and may be changed or cancelled at any time without notice.

BALANCE TRANSFERS
Balance Transfers will be fulfilled in the order listed and are treated as balance transfers in accordance with your Account Agreement. The total value of balance transfers cannot exceed your authorized credit limit. If the value is greater, MBNA may send a partial payment to the named creditor/designated account. A balance transfer may not be used to pay off or down your account balance or any other balances with us (including our affiliates, which would include any member of the TD Bank Group).

** Offered by Allianz Global Risks U.S. Insurance Company (Canadian Branch). Benefit information, including terms, conditions, limitations and exclusions, is contained in the Certificate of Insurance provided with your card.

Annual Fee
  • Primary card $0
  • Additional card $0
Annual Income Required
  • Individual $0
  • Household $0
Conversion fees
  • 2.5 %
Interest Rates
  • Purchase Rates
    19.99 % (QC)
  • Cash Advance Rates
    22.99 % (QC)
  • Balance Transfer Rates
    22.99 % (QC)
Earning Rate
  • All Spending1%
  • Groceries1%
  • Gas1%
Value
  • Year 1 $390
  • Year 2+ $240
Best For
  • Grocery stores
Transfer Partners
  • Cash Back

Advantages

  • Annual Credit
  • VIP Lounges
  • Concierge
  • Wifi
  • Travel credit

Travel Insurance

Insurance Name
Included
Amount
Duration
Travel Medical Insurance
Travel medical insurance up to 64 years old
Travel medical insurance 65+
Trip Cancellation Insurance
Trip Interruption Insurance
Common Carrier Travel Accident Insurance
Flight Delay Insurance
Delayed Baggage Insurance
Lost/Stolen Baggage Insurance
Auto Rental Loss/Insurance
Hotel/Motel Burglary Insurance
  • 1.25% cash back online at Walmart.ca
  • 1.25% cash back at any Walmart store in Canada
  • 1% cash back everywhere else
Annual Fee
  • Primary card $0
  • Additional card $0
Annual Income Required
  • Individual $0
  • Household $0
Conversion fees
  • 2.5 %
Interest Rates
  • Purchase Rates 21.89 %
  • Cash Advance Rates 22.97 %
    21.97 % (QC)
  • Balance Transfer Rates 22.97 %
    21.97 % (QC)
Earning Rate
  • All Spending1%
  • Groceries1%
  • Gas1%
Value
  • Year 1 $265
  • Year 2+ $240
Best For
  • Grocery stores
Transfer Partners
  • Cash Back

Advantages

  • Annual Credit
  • VIP Lounges
  • Concierge
  • Wifi
  • Travel credit

Travel Insurance

Insurance Name
Included
Amount
Duration
Travel Medical Insurance
Travel medical insurance up to 64 years old
Travel medical insurance 65+
Trip Cancellation Insurance
Trip Interruption Insurance
Common Carrier Travel Accident Insurance
Flight Delay Insurance
Delayed Baggage Insurance
Lost/Stolen Baggage Insurance
Auto Rental Loss/Insurance
Hotel/Motel Burglary Insurance
  • No annual fee
  • 3% cash back at Walmart.ca
  • 1.25% cash back on gas
Learn More
  • 3% cash back online at Walmart.ca
  • 1.25% cash back at any Walmart store in Canada
  • 1.25% cash back at any gas station
  • 1% cash back everywhere else
Annual Fee
  • Primary card $0
  • Additional card $0
Annual Income Required
  • Individual $50,000
  • Household $80,000
Conversion fees
  • 2.5 %
Interest Rates
  • Purchase Rates 21.89 %
  • Cash Advance Rates 22.97 %
    21.97 % (QC)
  • Balance Transfer Rates 22.97 %
    21.97 % (QC)
Earning Rate
  • Gas1.25%
  • All Spending1%
  • Groceries1%
Value
  • Year 1 $274
  • Year 2+ $249
Best For
  • Grocery stores
Transfer Partners
  • Cash Back

Advantages

  • Annual Credit
  • VIP Lounges
  • Concierge
  • Wifi
  • Travel credit

Travel Insurance

Insurance Name
Included
Amount
Duration
Travel Medical Insurance
Travel medical insurance up to 64 years old
Travel medical insurance 65+
Trip Cancellation Insurance
Trip Interruption Insurance
Common Carrier Travel Accident Insurance
Flight Delay Insurance
Delayed Baggage Insurance
Lost/Stolen Baggage Insurance
Auto Rental Loss/Insurance
Hotel/Motel Burglary Insurance
  • 3% cash back at restaurants
  • 3% cash back at Costco gas and 2% cash back at other gas stations (on the first $5,000 net annual card purchases. Beyond that, you’ll earn 1% cash back)
  • 2% cash back at Costco.ca (on the first $8,000 net annual card purchases. Beyond that, you’ll earn 1% cash back)
  • 1% cash back on all other purchases including at Costco

The $5,000 and $8,000 limit will reset to zero annually on January 1.

Annual Fee
  • Primary card $0
  • Additional card $0
Annual Income Required
  • Individual
  • Household
Conversion fees
  • 2.5 %
Interest Rates
  • Purchase Rates 20.75 %
  • Cash Advance Rates 22.49 %
    21.99 % (QC)
  • Balance Transfer Rates 22.49 %
    21.99 % (QC)
Earning Rate
  • Gas3%
  • Dining and Food delivery3%
  • All Spending1%
Value
  • Year 1 $350
  • Year 2+ $350
Best For
Transfer Partners
  • Cash Back

Advantages

  • Annual Credit
  • VIP Lounges
  • Concierge
  • Wifi
  • Travel credit

Travel Insurance

Insurance Name
Included
Amount
Duration
Travel Medical Insurance
Travel medical insurance up to 54 years old
Travel medical insurance up to 64 years old
Travel medical insurance 65+
Trip Cancellation Insurance
Trip Interruption Insurance
Common Carrier Travel Accident Insurance
Flight Delay Insurance
Delayed Baggage Insurance
Lost/Stolen Baggage Insurance
Auto Rental Loss/Insurance
Hotel/Motel Burglary Insurance