【2024.04.17 更新】感谢群友 Alvin 分享：现在开卡奖励非常高
简述
- 有一定的旅行相关保险， 亮点不多
- 开卡奖励 可薅， 长持不值得
发卡银行：Laurentian Bank
结算通道：VISA Infinite
卡片种类：信用卡
年费：$130; 副卡 $50
消费返利是 积分形式，可 1:1 兑换 statement credit， 等同于 返现
开卡奖励
目前官网开卡奖励是 6万分 + 免首年年费 + 1.5 万分 + 1.2 万分 （官网宣称是 $1000 的奖励）
- 前六个月消费 $6000 可得 6 万积分
- 添加俩副卡 得 1 万分
- 前六个月安排一次超过$50 的 pre-authorized 付款 得 5000 分
- 前六个月设置 2 次分期付款 （instalment plan）得 1 万分
- 前六个月注册 Assur-Payment 得 2000 分
申请门槛： 个人年收入 6 万 或者 家庭年收入 10 万
日常消费
2%：加油， 买菜， 旅行， 交通， 定期支付 （recurring payments）
1%： 其他
福利 & 保险
- InCard offers
- 购物返利链接
- Visa infinite 相关福利， 参考官网
- Hospital, medical and paramedical care
Up to a $5 million out-of-province coverage, for you and your family: Maximum of 15 days for clients aged 66 to 75； Maximum of 31 days for clients aged 65 and under
- Trip cancellation
Up to $2,000 per person in case of cancellation and $5,000 in case of interruption
- Delayed baggage
Up to $2,500 per family
- Public transportation vehicle accident
Up to $500,000 per person
- Auto rental collision/loss damage insurance
Up to 48 consecutive days of coverage
购物相关
- Purchase insurance
Coverage against theft or accidental damage for 90 days on merchandise paid for with the card.
- Extended warranty
Extended manufacturer’s warranty up to one year.
- Visa Zero Liability fraud protection
You’re covered against unauthorized use of your card. You can shop safely knowing you won’t be charged for fraudulent purchases.
