Terms and Conditions

1.  This cents off per litre offer is available only to AIR MILES collectors who have linked their BMO credit or debit card with their AIR MILES collector number. This offer is exclusive to BMO personal banking credit and debit cards, as well as the Small Business credit cards. BMO corporate and commercial credit and debit cards, business banking debit cards, USD credit cards, and Prepaid credit cards do not qualify for this offer. To receive the savings at the pump, the eligible AIR MILES collector number must be connected to your BMO credit or debit card and the eligible AIR MILES collector number must be valid at the time of the purchase transaction. To qualify for the offer, eligible collectors with a BMO credit or debit card: can receive their fuel discount at the pump once the customer inputs their AIR MILES collector number and completes the payment with the BMO credit or debit card that has been linked to their AIR MILES collector number. BMO AIR MILES credit card holders with a valid AIR MILES collector number will receive an instant discount of $0.02 per litre on regular fuel (Shell Bronze and Shell Silver) and $0.07 per litre of premium fuel (Shell V-Power NiTRO+ or Shell V-Power NiTRO+ 91 or Shell VPower NiTRO+ 93) at Shell (excluding Flying J locations) between March 18, 2024, to December 31, 2025, to a maximum of 1,000 litres in one month. BMO non-AIR MILES credit and debit card holders, including other BMO Mastercard and BMO Visa holders must manually link their credit or debit card to an existing or new AIR MILES collector number at airmilescardlink.ca/bmo-shell-benefit to be eligible for this offer. The linking process can take up to 5 days before the benefit is provided, then eligible AIR MILES collectors will receive an instant discount of $0.02 per litre on regular fuel (Shell Bronze and Shell Silver) and $0.07 per litre of premium fuel (Shell V-Power NiTRO+ or Shell V-Power NiTRO+ 91 or Shell V-Power NiTRO+ 93) at Shell (excluding Flying J locations) between March 18, 2024, to December 31, 2025, to a maximum of 1,000 litres in one month. This is a limited-time offer and may be changed, extended, or withdrawn at any time without notice. All BMO AIR MILES Mastercard credit card holders are automatically linked to their AIR MILES collector number, and thus, are automatically eligible for this offer, although it can take up to 5 days before the benefit is provided. All BMO non-AIR MILES Mastercard credit holders, by linking their BMO Mastercard to their AIR MILES collector number, are automatically enrolled in this Shell CPL offer and in other AIR MILES card-linked offers. To learn more about other AIR MILES card-linked offers, visit airmiles.ca/cardlinkedoffers. BMO, AIR MILES, and Shell reserve the right, in their sole discretion, to suspend, disqualify, limit or revoke this offer to any person or account holder manipulating or otherwise abusing the process, fairness, integrity or operation of the offer. This offer will be in addition to any other offers available for you. Shell and their affiliates are not liable or responsible for any of the services and products offered/provided by BMO. Please note that any information you provide directly to Shell or that Shell obtains about you as a Shell customer or participant will be governed by Shell’s Privacy Notice. Offer is subject to the Terms and Conditions of your BMO Mastercard Cardholder Agreement or BMO Visa Cardholder Agreement.

2.  BMO AIR MILES World Elite Mastercard applications must be received between October 17, 2024 and March 23, 2025 (the “Offer Period”) to be eligible for the AIR MILES Bonus Miles and Annual Fee Refund offers (each an “Offer” and collectively the “Offers”). Offers are limited to new accounts. Existing BMO AIR MILES World Elite Mastercard customers who cancel their card during the Offer Period and existing BMO Mastercard customers who transfer into this product during the Offer Period are not eligible for the Offers. AIR MILES Bonus Miles Offer: Receive 3,000 Bonus Miles when you spend a minimum of $3,000 (less refunds and excluding cash advances, cash-like transactions, interest charges, fees, credit or debit adjustments) in net card purchases within the first three (3) months from the credit card open date. The Bonus Miles will be credited to the primary credit cardholder’s AIR MILES collector account within ninety (90) business days following the qualifying $3,000 spend. All Bonus Miles are credited in accordance with the set balance preference (between AIR MILES Cash and AIR MILES Dream Accounts) at the time of posting. The AIR MILES Bonus Miles Offer is subject to the AIR MILES Reward Program terms and conditions, as amended from time to time. Limit of one (1) AIR MILES Bonus Miles Offer per collector number. If the credit card is cancelled within ninety (90) days from the date it was opened, all Miles earned within that period will be cancelled. Annual Fee Waiver Offer: The primary cardholder annual fee of $120 will be waived in the first year and will appear as a fee and a credit on the primary cardholder’s first statement. After the first year, the annual fee will appear on your credit card statement twelve (12) months after the credit card open date. The Annual Fee Waiver Offer does not apply to the Additional Card annual fee. These offers are subject to change or can be withdrawn without notice. 3000 Bonus Miles offer cannot be combined with the 1500 Bonus Miles offer for new BMO AIR MILES Mastercard applicants.

3. BMO AIR MILES Mastercard applications must be received between October 17, 2024 to March 23, 2025 (the “Offer Period”). 1,500 AIR MILES Bonus Miles offer is limited to new accounts. Existing BMO AIR MILES Mastercard customers who cancel their card during the Offer Period, and existing BMO Mastercard customers who transfer into this product during the Offer Period are not eligible. 1,500 Bonus Miles will be awarded when you spend $1,000 in net card purchases (less refunds and excluding cash advances, cash-like transactions, interest charges, fees, credit or debit adjustments) in the first three (3) months from the credit card open date. The 1,500 Bonus Miles will be credited to the primary credit cardholder’s AIR MILES collector account within ninety (90) business days following the qualifying $1,000 spend. All Bonus Miles will be credited in accordance with the set balance preference (between AIR MILES Cash and AIR MILES Dream Accounts) at the time of posting. The AIR MILES Bonus Miles Offer is subject to the AIR MILES Reward Program terms and conditions, as amended from time to time. Limit of one (1) Bonus Offer per collector account. If you cancel your card within ninety (90) days of opening your account, the bonus Reward Miles will be cancelled. This offer may be changed, extended or withdrawn at any time without notice. Offer cannot be combined with the 3000 Bonus Miles offer for new BMO AIR MILES World Elite Mastercard applicants.

4.  Use the Cash Miles in your AIR MILES Cash account in-store in increments of 95 Cash Miles for every $10 towards your purchases at participating AIR MILES partner locations to a maximum of $750 (7,125 Cash Miles) per day (gift cards and near-cash products are excluded and other exclusions may also apply); maximum of $60 per transaction (570 Cash Miles), up to 5 eligible transactions totalling $300 per day at Shell; and online at airmiles.ca/cash in increments of 95 Cash Miles for every $10 worth of value from participating reward partners to a maximum of $750 (7,125 Cash Miles) per day. Evouchers can be used at participating reward partners’ locations in Canada only. See specific evoucher reward page for details including any applicable limits and restrictions. You must have accumulated sufficient Cash Miles in your collector account in order to use Miles towards in-store purchases and evouchers. 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. For complete details, visit airmiles.ca/cash.

5.  3x the Miles: BMO AIR MILES Mastercard cardholders will get 3 AIR MILES Reward Miles for every $25 in purchases at participating AIR MILES partners. Participating AIR MILES partners may be added or removed at any time without notice; visit airmiles.ca/3xmiles for partner details. 3x multiplier is based on the standard earn rate for the BMO AIR MILES Mastercard of 1 Mile per $25 spent. Miles will be calculated on the total eligible cumulative purchases made at all participating AIR MILES partners and credited to your account within 90 days after the end of the applicable statement period. The number of Miles earned will be rounded down to the nearest whole number. Fractions of Miles will not be awarded. Eligible purchases are purchases charged to your credit card account (less refunds and excluding cash advances, cash-like transactions, interest charges, fees and credit or debit adjustments). The "3x the Miles" benefit is available on eligible purchases and may be withdrawn or changed at any time without notice. 

6. 3x the Miles: BMO AIR MILES World Elite Mastercard cardholders will get 3 AIR MILES Reward Miles for every $12 in purchases at participating AIR MILES partners. Participating AIR MILES partners may be added or removed at any time without notice, visit airmiles.ca/3xmiles for partner details. 3x multiplier is based on the standard earn rate for the BMO AIR MILES World Elite Mastercard of 1 Mile per $12 spent. Miles will be calculated on the total eligible cumulative purchases made at all participating AIR MILES partners and credited to your account within 90 days after the end of the applicable statement period. The number of Miles awarded will be rounded down to the nearest whole number. Fractions of Miles will not be awarded. Eligible purchases are purchases charged to your credit card account (less refunds and excluding cash advances, cash-like transactions, interest charges, fees and credit or debit adjustments). The "3x the Miles" benefit available on eligible purchases and may be withdrawn or changed at any time without notice.

7. BMO AIR MILES Mastercard cardholders will earn 2 AIR MILES Reward Miles for every $25 in purchases made at eligible Grocery Merchants classified by Mastercard’s “Merchant Category Code” as “Grocery Stores and Supermarkets” (MCC 5411). Grocery purchases at participating AIR MILES Partners will not be eligible for this offer; however, they will continue to earn the “3x the Miles” benefit applicable to purchases at participating partners. For a list of current participating partners, please visit airmiles.ca/3xmiles. Multiplier Miles will be earned on eligible grocery purchases up to a combined maximum of $500 in net purchases posted to your account per statement cycle period. Once the maximum is reached, purchases will no longer be eligible for this offer. BMO (“Bank of Montreal”) cannot guarantee that any merchant, operating in whole or in part as a grocery store, is classified by MCC 5411 and in no event will BMO be liable or responsible for any claims with respect to a grocery store purchase made at a merchant that is not classified by MCC 5411. Miles will be calculated on the total eligible cumulative purchases made at eligible merchants and credited to your account within 90 days after the end of the applicable statement period. The number of Miles earned will be rounded down to the nearest whole number. Fractions of Miles will not be awarded. Eligible purchases are purchases charged to your credit card account (less refunds and excluding cash advances, cash-like transactions, interest charges, fees and credit or debit adjustments) and is subject to the AIR MILES Terms and Conditions and the BMO Mastercard Cardholder Agreement. The offer is available on eligible purchases and may be withdrawn or changed at any time without notice. Offer is cumulative over the statement period. 

8. BMO AIR MILES World Elite Mastercard cardholders will earn 2 AIR MILES Reward Miles for every $12 in purchases made at eligible Grocery merchants classified by Mastercard’s “Merchant Category Code” as “Grocery Stores and Supermarkets” (MCC 5411). Grocery purchases at participating AIR MILES Partners will not be eligible for this offer; however, they will continue to earn the “3x the Miles” benefit. For a list of current participating partners, please visit airmiles.ca/3xmiles. Multiplier Miles will be earned on eligible grocery purchases up to a combined maximum of $500 in net purchases posted to your account per statement cycle period. Once the maximum is reached, purchases will no longer be eligible for this offer. BMO (“Bank of Montreal”) cannot guarantee that any merchant, operating in whole or in part as a grocery store, is classified by MCC 5411 and in no event will BMO be liable or responsible for any claims with respect to a grocery store purchase made at a merchant that is not classified by MCC 5411. Miles will be calculated on the total eligible cumulative purchases made at eligible merchants and credited to your account within 90 days after the end of the applicable statement period. The number of Miles earned will be rounded down to the nearest whole number. Fractions of Miles will not be awarded. Eligible purchases are purchases charged to your credit card account (less refunds and excluding cash advances, cash-like transactions, interest charges, fees and credit or debit adjustments) and is subject to the AIR MILES Terms and Conditions and the BMO Mastercard Cardholder Agreement. The offer is available on eligible purchases and may be withdrawn or changed at any time without notice. Offer is cumulative over the statement period.

9. Starting April 23, 2024, BMO AIR MILES Mastercard cardholders will earn 2 AIR MILES Reward Miles for every $25 in purchases made at eligible Wholesale Clubs classified by Mastercard’s “Merchant Category Code” as “Wholesale Clubs” (MCC 5300) and every $25 in purchases made at eligible Alcohol and Liquor merchants classified by Mastercard’s “Merchant Category Code” as “Package Stores, Beer, Wine, and Liquor” (MCC 5921). Wholesale Clubs and Alcohol and Liquor purchases at participating AIR MILES Partners will not be eligible for this offer; however, they will continue to earn the “3x the Miles” benefit. For a list of current participating partners, please visit airmiles.ca/3xmiles. Multiplier Miles will be earned on eligible purchases at Wholesale Clubs up to a combined maximum of $500 in net purchases posted to your account per statement cycle period. Multiplier Miles will be earned on eligible Alcohol and Liquor purchases up to a combined maximum of $500 in net purchases posted to your account per statement cycle period. Once the maximum is reached, purchases will no longer be eligible for this offer. BMO (“Bank of Montreal”) cannot guarantee that any merchant, operating in whole or in part as Wholesale Clubs, is classified by MCC 5300 or as a Alcohol and Liquor store, is classified by MCC 5921 and in no event will BMO be liable or responsible for any claims with respect to a purchase at Wholesale Clubs or Alcohol and Liquor stores made at a merchant that is not classified by MCC 5300 or 5921 respectively. Miles will be calculated on the total eligible cumulative purchases made at eligible merchants and credited to your AIR MILES collector account within 90 days after the end of the applicable statement period. The number of Miles earned will be rounded down to the nearest whole number. Fractions of Miles will not be awarded. Eligible purchases are purchases charged to your credit card account (less refunds and excluding cash advances, cash-like transactions, interest charges, fees and credit or debit adjustments) and are subject to the AIR MILES Terms and Conditions and the BMO Mastercard Cardholder Agreement. The offer is available on eligible purchases and may be withdrawn or changed at any time without notice. Offer is cumulative over the statement period.  statement period.

10.  Starting April 23, 2024, BMO AIR MILES World Elite Mastercard cardholders will earn 2 AIR MILES Reward Miles for every $12 in purchases made at eligible Wholesale Clubs classified by Mastercard’s “Merchant Category Code” as “Wholesale Clubs” (MCC 5300) and every $12 in purchases made at eligible Alcohol and Liquor merchants classified by Mastercard’s “Merchant Category Code” as “Package Stores, Beer, Wine, and Liquor” (MCC 5921). Wholesale Clubs and Alcohol and Liquor purchases at participating AIR MILES Partners will not be eligible for this offer; however, they will continue to earn the “3x the Miles” benefit. For a list of current participating partners, please visit airmiles.ca/3xmiles. Multiplier Miles will be earned on eligible purchases at Wholesale Clubs up to a combined maximum of $500 in net purchases posted to your account per statement cycle period. Multiplier Miles will be earned on eligible Alcohol and Liquor purchases up to a combined maximum of $500 in net purchases posted to your account per statement cycle period. Once the maximum is reached, purchases will no longer be eligible for this offer. BMO (“Bank of Montreal”) cannot guarantee that any merchant, operating in whole or in part as Wholesale Clubs, is classified by MCC 5300 or as a Alcohol and Liquor store, is classified by MCC 5921 and in no event will BMO be liable or responsible for any claims with respect to a purchase at Wholesale Clubs or Alcohol and Liquor stores made at a merchant that is not classified by MCC 5300 or 5921 respectively. Miles will be calculated on the total eligible cumulative purchases made at eligible merchants and credited to your AIR MILES Collector account within 90 days after the end of the applicable statement period. The number of Miles earned will be rounded down to the nearest whole number. Fractions of Miles will not be awarded. Eligible purchases are purchases charged to your credit card account (less refunds and excluding cash advances, cash-like transactions, interest charges, fees and credit or debit adjustments) and is subject to the AIR MILES Terms and Conditions and the BMO Mastercard Cardholder Agreement. The offer is available on eligible purchases and may be withdrawn or changed at any time without notice. Offer is cumulative over the statement period.

11.  Based on competitive intelligence as of November 11, 2024. No other credit card issued by a Canadian Financial Institution in partnership with a fuel provider offers a more competitive accelerated loyalty program points earn as an embedded, always-on benefit of the same value.

12.  Standard earn rate is cumulative over the statement period. Award of Miles is made for purchases charged to your account (less refunds) and is subject to the Terms and Conditions of the AIR MILES Reward Program and the BMO Business Mastercard Cardholder Agreement.

13.  Ongoing interest rates, interest-free grace period, annual fees and all other applicable fees are subject to change. Cash advances include Balance Transfers, cash-like transactions and Mastercard cheques. Visit your branch, call the Customer Contact Centre at 1-800-263-2263 or visit bmo.com/creditcards for current rates and fees.

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