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سعر صرف العملات.

السيطرة على أموالك بالعملة التي تختارها.

إن العالم الحديث عالم عالمي، ويفهم بنك سيتي إنترناشونال بيرسونال أنك بحاجة إلى الوصول إلى أموالك عبر العالم في مجموعة واسعة من العملات.

وقد تم إنشاء منتجاتنا وخدمات الصرف الأجنبي لتعطيك سهولة وسرعة الوصول إلى سوق الصرف الأجنبي بالعملة التي تختارها، وتمكنك من الاستفادة من التقلبات في أسعار الصرف. ما هو أكثر من ذلك، يمكنك الوصول إلى جميع الحلول لدينا بسهولة باستخدام سيتي أون لاين، 24 ساعة في اليوم، وأينما كنت في العالم. مدير العلاقات الخاص بك هو أيضا متاح للمساعدة خلال ساعات العمل.

فكس شراء / بيع الخدمة.

فكس النظام ووتش.

لدينا خدمة صرف العملات الأجنبية يسمح لك لشراء أو بيع مجموعة واسعة من العملات في ما يصل إلى أسعار الصرف دقيقة. بالإضافة إلى تحويل الأموال بين الحسابات الخاصة بك، يمكنك أيضا الوصول وإرسال الأموال الخاصة بك في جميع أنحاء العالم بالعملة المحلية من خلال شبكة واسعة من أجهزة الصراف الآلي وخدمات تحويل الأموال.

يمكنك تعيين معدل، ونحن سوف تفعل بقية.

لن يكون من الرائع أن نعرف أنه يمكنك وضع الصفقات العملات مقدما، آمنة في المعرفة أنها لن تكتمل إلا إذا كانت معدلات ضرب المستوى الذي تريده ضمن الإطار الزمني المفضل لديك؟

لدينا خدمة فكس النظام ووتش يفعل العمل الشاق بالنسبة لك، والحفاظ على الاختيار المستمر على أسواق العملات.

يرجى ملاحظة ما يلي: سيتم إجراء التحويل بسعر يشمل عمولاتنا التي سيتم الكشف عنها لك إما من خلال مدير علاقاتك أو سيتي أونلين قبل إجراء المعاملة.

البلدان والهيئات القضائية.

نيوزيلاندا.

من نحن المناطق آسيا والمحيط الهادئ نيوزيلندا.

قدمت سيتي الخدمات المالية في نيوزيلندا منذ عام 1974. بدأت العمليات المصرفية مع التأسيس المحلي لشركة سيتيكورب فوركس المحدودة و سيتيكورب نيوزيلاندا المحدودة في عام 1982. في يوليو 1987 تم منح سيتي بنك، نا (فرع نيوزيلندا) ترخيص مصرفي كامل وتم تعيينه وهو بنك مسجل. وفي تشرين الثاني / نوفمبر 1990، أصبحت سيتي مصرف تسوية وأصبح بالتالي مشاركا مباشرا في نظام المقاصة في نيوزيلندا.

وتمتلك سيتي تمثيلا واسعا في القطاع المصرفي في نيوزيلندا، والذي يضم عضوا في جمعية المصرفيين النيوزيلنديين كمساهم وتمثيل في مجلس الإدارة في بايمنتس نز ليميتد - دار المقاصة في نيوزيلندا.

مع وجودها في أوكلاند، تقدم سيتي الخدمات للشركات العالمية والمحلية والمؤسسات المالية والهيئات الحكومية.

أعمالنا.

تقدم سيتي مجموعة كاملة من الخدمات المصرفية للشركات والاستثمارات في نيوزيلندا.

نحن نقدم للشركات الاستشارية الرائدة في نيوزيلندا استشارات مالية شاملة وخدمات زيادة رأس المال وخزانة وحلول تجارية بما في ذلك تحويل الأموال إلى أكثر من 130 دولة وحلول تمويل سلسلة التوريد الدولية. وتغطي خدمات الصرف الأجنبي كل منطقة جغرافية ومنطقة زمنية للتداول بأكثر من 100 عملة.

وبالنسبة للمستثمرين المؤسسيين في نيوزيلندا، فإننا نغطي جميع أسواق الأسهم والديون الابتدائية والثانوية، بما في ذلك الأسهم والمشتقات الائتمانية، والتمويل المضمون، وسوق المال والأوراق التجارية، والسلع الأساسية.

من الخدمات المالية الاستراتيجية لتلبية الاحتياجات المالية المستمرة للشركات والمؤسسات والحكومات، سيتي يقدم مجموعة واسعة من المنتجات والخدمات في هذه الصناعة. وتشمل خدماتنا الاستراتيجية تقديم المشورة بشأن عمليات الاستحواذ وعمليات الدمج والتصفية وإصدار أسواق رأس المال والتمويل المنظم وإعادة هيكلة الميزانية العمومية. وتشمل خدماتنا المصرفية منتجات القروض، وإدارة النقد، والتمويل التجاري وخدمات الأوراق المالية. والنتيجة هي نصيحة محايدة وقيمة مستدامة للعملاء.

لدى سيتي أكثر من 1200 موظف تمويل للشركات و 350 متخصصا في عمليات الدمج والاستحواذ في خمس قارات تشارك في أهم الصفقات في السوق. من خلال نقاط القوة التي تشمل التفاوض الفعال، والتمويل محايد المنتج، والتنفيذ الدقيق والخبرة في مجال الصناعة، ونحن قد شاركت في أكبر ومعقدة الصفقات في السوق. ونتيجة لذلك، نحن في المرتبة باستمرار بين الطبقة العليا من المستشارين في الأسواق الإقليمية والعالمية.

وسواء كانت الخبرة في أسواق رأس المال أو ديون رأس المال مطلوبة، فإن سيتي لديها الخبرة والميزانية العمومية لتحقيق أهداف الشركات في جميع أنحاء العالم. نحن أكبر مورد لتمويل الشركات في العالم الذي، جنبا إلى جنب مع الخبرات التجارية المحلية لدينا، ويوفر للعملاء الوصول إلى أسواق متعددة وتحديد الحلول المالية الأنسب. لدينا فرق من ذوي الخبرة العالية في كل من أسواق رأس المال الأسهم والديون وكذلك في الأسواق المصرفية بالجملة والتوريق. حلول الخزينة والتجارة.

ويتمثل أساس خدمة إدارة النقد لدى سيتي في توفير حسابات محلية ومتعددة العملات مع مرافق هيكلة الحسابات. ويكمل ذلك قدرات الدفع والتحصيل لمساعدة العملاء على تحسين دورة التدفق النقدي وتحسين كفاءة التشغيل. وتتراوح حلولنا من قدرات دفع العملات المحلية والأجنبية، إلى خدمات جمع بما في ذلك تقديم الفاتورة على الانترنت ودفع وشيك جمع الخدمات.

رسم تسديد التبادل هو رسم يدفعه المشتري) مؤسسة مالية تقوم بمعاملة البطاقات بالنيابة عن تاجر (إلى جهة إصدار) مؤسسة مالية تصدر بطاقات لحاملي البطاقات (.

للحصول على معلومات حول المعاملات التي أجريت في نيوزيلندا على سيتي بنك N. A. - أصدر فرع نيوزيلندا بطاقات الدفع ذات العلامات التجارية ماستركارد - يرجى الرجوع إلى موقع ماستركارد.

للحصول على معلومات حول المعاملات التي أجريت في نيوزيلندا على سيتي بنك N. A. - أصدر فرع نيوزيلندا فيزا بطاقات الدفع ذات العلامات التجارية - يرجى الرجوع إلى موقع فيزا للأوراق المالية وخدمات الصندوق.

وتعد شركة "غلوبال سكوريتيز سيرفيسز"، التي تعد من أكبر الشركات نموا في أستراليا، ونيوزيلندا، من أكبر الشركات نموا في العالم، ولديها حاليا أصول تحت رعاية أكثر من 100 مليار دولار نيوزيلندي. على الصعيد العالمي، نحن الزعيم المعترف به في حجز الأصول عبر الحدود، وتوفير الأوراق المالية العالمية، وخدمات استلام الإيداع والخدمات وكالة والثقة. لدينا أكثر من 2500 عميل في هذه الأعمال وأكثر من 6.6 تريليون دولار في الأصول قيد الاحتجاز.

إذا كنت تشعر بأن القرار لم يتم التوصل إليه لرضاكم، يمكنك أن تطلب من مركز سيتيسرفيس (0800 248 444) لتمرير المخاوف الخاصة بك على مدير خدمة العملاء لدينا أو يمكنك الاتصال مباشرة على + 64 (9) 307 1902.

بيانات الإفصاح.

ويمكن الاطلاع على بطاقات التبليغ التنظيمية الأخرى في سيتيغروب / سيتي /

ثانية يمكن الاطلاع على الملفات في سيتيغروب / سيتي /

سيتي نيوزيلندا بيان الخصوصية.

الحفاظ على معلومات العملاء آمنة هو أولوية قصوى بالنسبة لنا جميعا في سيتي بنك N. A.، فرع نيوزيلندا ("سيتي"). نأمل أن يساعدك هذا الإشعار على فهم كيفية التعامل مع المعلومات الشخصية التي نجمعها وكيفية تمكن الأفراد من الوصول إلى المعلومات التي نحملها وتصحيحها، وإذا لزم الأمر، تقديم شكوى تتعلق بمعالجتنا للمعلومات الشخصية.

تخضع سيتي لمبادئ خصوصية المعلومات بموجب قانون الخصوصية لعام 1993. كما أن سيتي ملتزمة بسياسات الخصوصية العالمية في سيتي. وحيثما توجد اختالفات بين سياسات الخصوصية العالمية في سيتي وقانون الخصوصية في نيوزيلندا، تطبق الحماية األقوى.

ولأغراض سياسة الخصوصية هذه، ينبغي تفسير مصطلح "المعلومات الشخصية" وفقا لقانون الخصوصية.

سياساتنا وممارساتنا لحماية معلوماتك الشخصية:

نحن نحمي المعلومات الشخصية التي نجمعها من خلال الحفاظ على الضمانات المادية والإلكترونية والإجرائية التي تلبي أو تتجاوز القانون المعمول به.

نحن نطلب من أطراف ثالثة أن تقوم بمعالجة المعلومات الشخصية نيابة عنا من أجل اتباع المعايير المناسبة للأمن والسرية.

نحن ندرب الناس الذين يعملون بالنسبة لنا كيفية التعامل بشكل صحيح مع المعلومات الشخصية وتقييد الوصول إلى ما هو ضروري لوظائف وظيفية محددة.

فئات المعلومات الشخصية التي نجمعها ونحتفظ بها:

ونظرا لأن سيتي تقدم منتجات وخدمات للعملاء من الشركات في نيوزيلندا فقط، فإن طبيعة المعلومات الشخصية التي نجمعها ونحتفظ بها تقتصر على المعلومات التي نجمعها من الأشخاص الذين يتصرفون بالنيابة عن عملائنا. قد تتضمن هذه المعلومات تفاصيل مثل الاسم والعنوان ورقم الهاتف والمهنة وتاريخ الميلاد وجواز السفر أو رقم رخصة القيادة.

حيثما أمكن، سوف نقوم بجمع المعلومات الشخصية مباشرة من الفرد المعني. ومع ذلك، قد نحتاج أحيانا إلى جمع معلومات شخصية من عملائنا للأغراض الموصوفة أعلاه.

أغراض جمع معلوماتك:

سوف نقوم فقط بجمع المعلومات الشخصية اللازمة لأغراض أعمالنا. وقد تشمل هذه الأغراض ما يلي:

معالجة طلب منتج أو طلب خدمة. وإدارة منتجاتنا وخدماتنا أو غيرها من العلاقات والترتيبات، بما في ذلك تجهيز الإيصالات والمدفوعات، وخدمة حسابات العملاء. ردا على استفسارات حول الطلبات أو الحسابات أو الخدمات. وفهم احتياجات العميل وتقديم المنتجات والخدمات (بما في ذلك المواد التسويقية) لتلبية تلك الاحتياجات. مما يسمح للشركات التابعة لنا والشركات المختارة لتعزيز منتجاتها وخدماتها للعملاء. وتلبية المتطلبات القانونية والتنظيمية. قد تتطلب العديد من نيوزيلندا والقوانين الدولية صراحة منا جمع و / أو الكشف عن المعلومات الشخصية، أو قد نحتاج إلى القيام بذلك من أجل أن نكون قادرين على الامتثال لالتزاماتنا بموجب هذه القوانين. وتشمل هذه القوانين قانون مكافحة غسل الأموال ومكافحة تمويل الإرهاب لعام 2009 وقانون الأوراق المالية العقارية لعام 1999. والإفصاح عن أي من هذه المعلومات طوعي، ولكن عدم الإفصاح قد يؤثر على قدرتنا على تقديم منتجات أو خدمات لعملائنا. وإعمال حقوقنا، بما في ذلك اتخاذ الإجراءات القانونية.

لن نكشف عن أي من المعلومات الشخصية التي نجمعها إلى الشركات التابعة أو الأطراف الثالثة لأي غرض آخر غير الأغراض المذكورة أعلاه دون إذن من الشخص المعني.

الإفصاح عن المعلومات الخاصة بك:

وبالاشتراك مع العديد من المنظمات، نحافظ على تكاليفنا إلى أسفل عن طريق الحصول على بعض الخدمات الروتينية من كيانات أخرى من كيتي ومقدمي الخدمات الخارجيين، وبعضهم قد يكون موجودا خارج نيوزيلندا، ويمكن توفير المعلومات الشخصية لهم على أساس سري لهذا الغرض . وقد نحتاج أيضا إلى الكشف عن المعلومات الشخصية إلى كيانات أخرى من كيتي وإلى أطراف ثالثة للأغراض المذكورة أعلاه.

قد تشمل الأطراف الثالثة التي نكشف عنها معلومات شخصية ما يلي:

لدينا شركات سيتي ذات الصلة في نيوزيلندا والخارج؛ ومقدمي الخدمات الإدارية، مثل المنازل البريدية والطابعات ومشغلي مراكز الاتصال. القانونية، تسوية وتقييم مقدمي الخدمات. ومعالجة البيانات ومقدمي خدمات أبحاث السوق. والهيئات التنظيمية والوكالات الحكومية في نيوزيلندا والخارج. والمستشارين الماليين وغيرهم من المستشارين المهنيين. والمشاركين في النظم المالية والدفع، على سبيل المثال البنوك الأخرى، ومقدمي الائتمان، وكيانات المقاصة ورابطات بطاقات الائتمان. والوسطاء والموزعين الآخرين. المنظمات الراغبة في الحصول على مصلحة في أي جزء من أعمالنا من وقت لآخر.

وبموجب قانون الخصوصية، يحق للأفراد الحصول على المعلومات التي تحتفظ بها المنظمة عنهم. يمكن الحصول على طلبات الحصول على المعلومات التي تحتفظ بها في رسالة أو عبر الهاتف إلى مسؤول الخصوصية (التفاصيل أدناه).

سوف نحتاج إلى التحقق من صحة هوية أي شخص يقوم بطلب الوصول، للتأكد من أننا لا نقدم معلومات شخصية لأي شخص ليس له الحق في تلك المعلومات.

عندما يثبت الشخص أن المعلومات الشخصية التي نحتفظ بها غير دقيقة أو كاملة أو محدثة أو مضللة، فسوف نقوم بتصحيح سجلاتنا عند الضرورة.

يجوز لنا فرض رسوم إدارية لتوفير إمكانية الوصول إلى المعلومات الشخصية. وسوف نرد عادة على طلب للحصول على المعلومات الشخصية التي تحتفظ بها لنا في غضون 20 أيام عمل.

الشكاوى والنزاعات:

إذا کان لدیك سبب للاعتقاد بأن أي شرکة تابعة أو قسم تابع لشرکة سیتي قد خرقت سیاسات الخصوصیة الموضحة في ھذه الوثیقة، فإننا نحثك علی رفع ھذا الأمر مع مسؤول الخصوصیة.

سنقوم بالتحقيق في جميع الشكاوى والرد في أقرب وقت معقول في ظل الظروف. إذا وجدنا شكوى مبررة، وسوف نقوم بحلها. إذا لزم الأمر، سوف نقوم بتغيير السياسات والإجراءات للحفاظ على مستويات عالية من الأداء والخدمة وخدمة العملاء.

إذا كنت ترغب في معرفة المزيد من المعلومات، أو رفع أي مخاوف محددة أو عامة حول سيتي وسياسة الخصوصية، فإن تفاصيل الاتصال هي كما يلي:

سعر صرف العملات.

حماية ضد تحركات العملة المتقلبة.

إدارة الخزينة والمخاطر.

سيتيبوسينس يقدم لك مجموعة واسعة من الخزينة وحلول الصرف الأجنبي لتلبية متطلبات عملك وإدارة مخاطر العملات.

مزايا الخزينة وإدارة المخاطر.

الاستفادة من وجودنا العالمي لتحقيق وقت أسرع تحول على التحويلات إيفك وحسابات العملات الأجنبية المقدمة بعملات متعددة حلول إدارة المخاطر للميزانية العمومية والتعرض للمخاطر الوصول إلى خبراء السوق ذوي المهارات العالية عبر الهاتف ودردشة الفيديو الحية جائزة الفوز على شبكة الإنترنت بوابة للأجانب تبادل، سيتيفس نبض.

سيتي هي اللاعب المهيمن في مجال الخزينة وخدمات الصرف الأجنبي، وهي أكبر بنك أجنبي في الهند. إن حضورنا العالمي في أكثر من 100 بلد يجعل من سيتي خيارا مثاليا للتعامل الدولي.

وبصفتنا شركة رائدة في مجال خدمات الخزينة، فإننا نساعد عملك في إدارة التعرض لتقلبات السوق، وتحويل تقلبات السوق إلى فرص تتسق مع استراتيجياتك المالية ورغبتك في المخاطرة.

التحويلات الداخلية والخارجية.

الشبكة العالمية سيتي يجعل من السهل وبسيطة لتحويل الأموال من أي مكان في العالم، وعلى الفور. إدارة تدفقات النقد الأجنبي بكفاءة، مع معدلات جذابة لدينا ووقت أسرع التحول.

حساب إيفك متعدد العملات.

يسمح لك لإيداع العملات الأجنبية والاحتفاظ بها كعملة أجنبية دون الحاجة إلى تحويلها إلى روبية هندية. الخصومات والائتمانات المسموح بها وفقا للوائح ربي.

منتجات التحوط.

الوصول إلى فريقنا من خبراء السوق من ذوي المهارات العالية، الذين سوف تساعدك على إدارة كل ما تبذلونه من تدفقات النقد الأجنبي من خلال مختلف منتجات التحوط. تقدم سيتي مجموعة كاملة من منتجات إدارة المخاطر للتحوط من تدفقات النقد الأجنبي. ويمكن أن يكون التعرض الكامن هو عمليات الاستيراد / التصدير أو القروض بالعملات الأجنبية.

طرق عرض عملة الخبراء.

الحصول على الخبراء لدينا في الداخل والتقارير التي توفر لك معلومات محدثة حول أسواق العملات في جميع أنحاء العالم لمساعدتك على إدارة المستحقات الخاصة بك والذمم المدينة في أفضل طريقة ممكنة.

الخدمات التجارية.

سيتي، مع وجودها العالمي في ما يصل إلى 102 بلدا، حليفك في كل من التعاملات الدولية الخاصة بك. الدولة من الفن صورة معالجة الوثائق لضمان وقت التحول السريع.

غلوب الودائع.

تجربة مرونة وحرية وديعة ثابتة عالمية حقا. يمكنك إيداع أموالك في ما يصل إلى تسع عملات أجنبية.

يرجى سمز بيز إلى 52484 عن أي مساعدة.

هذه الصفحة مخصصة فقط لعملاء سيتي بنك. أي وجميع المرافق / الخدمات / العروض المذكورة في هذه الصفحة تخضع ل سيتيبانك N. A محددة الشروط والأحكام. ننصحك بالاتصال ب سيتيبانك N. A للحصول على وفهم الشروط والأحكام المعمول بها و / أو أي أسئلة قد تكون لديكم بخصوص أي من المعلومات الواردة في هذه الصفحة. سيتيبانك N. A. لا تضمن دقة أو كفاية أو اكتمال أي معلومات على هذه الصفحة، وهي ليست مسؤولة عن أي أخطاء أو سهو أو عن النتائج التي تم الحصول عليها من استخدام هذه المعلومات كما هو وارد في هذه الصفحة. سيتي بنك N. A.، سيتيغروب و / أو أي من الشركات التابعة لها / الزميلة لا تتحمل أي مسؤولية من أي نوع على أساس استخدام المعلومات الواردة هنا، وتقدم المعلومات المذكورة على أساس أفضل جهد. سيتيبانك لديه الحق في تعديل أو إسقاط المرافق / الخدمات / العروض المذكورة في هذه الصفحة في أي وقت دون إعطاء أي سبب من الأسباب.

جميع المنتجات والخدمات هي في تقدير سيتيبانك وحدها وتخضع ل ربي / فيما / سيبي / المبادئ التوجيهية التنظيمية الأخرى الصادرة من وقت لآخر.

التوقيع رك المكافآت فيزا.

معلومات البطاقة.

ميزات إضافية.

الإضافات الاختيارية.

الاستفادة القصوى من بطاقة الائتمان الخاصة بك رك عن طريق إضافة خدمات القيمة المضافة مثل:

بدء التطبيق الخاص بك.

ItáЂ ™ ق سهلة لتطبيق! لدينا تطبيق آمن وآمن على الانترنت هو 5 خطوات بسيطة وسوف تحصل على استجابة في أقل من 60 ثانية.

В® / & تريد؛ العلامات التجارية للبنك الملكي الكندي. رك وبنك رويال هي علامات تجارية مسجلة للبنك الملكي الكندي.

вЂЎ بترو-كندا و بترو النقاط هي علامات تجارية لشركة سونكور للطاقة المحدودة تستخدم بموجب ترخيص. جميع العلامات التجارية الأخرى هي ملك لأصحابها.

Ђ للحصول على رحلة جوية قصيرة إلى أي مقاطعة / ولاية مجاورة في كندا أو الولايات المتحدة، سوف تحتاج إلى ما مجموعه 15000 نقطة المكافآت ريك، للحصول على أقصى سعر تذكرة من 350 $. للحصول على نقاط المكافآت المكافئة التي تبلغ 15000 نقطة والتي ستظهر في كشفك الأول، يجب أن يتم استلام استمارة الطلب والموافقة عليها من قبلنا. حامل البطاقة أو حاملي البطاقة الإضافيين الذين لديهم بطاقات ائتمان السفر من بنك رويال رويال بانك، الذين يقدمون طلبات للحصول على بطاقة فيزا إنفينيت أفيون من بطاقة رك في فترة العرض، غير مؤهلين للحصول على هذا العرض. لا يجوز الجمع بين هذا العرض أو استخدامه مع عرض آخر. جميع الضرائب المعمول بها، ورسوم الخدمة والرسوم الإضافية هي من مسؤولية المسافر. للحصول على تفاصيل السفر الجوي المكافأة الفداء، فيسيتو ربك / travelredemptionВ. تنطبق بعض القيود. للحصول على الشروط والأحكام الكاملة التي تنطبق على برنامج مكافآت رك، يرجى زيارة: В ربكرواردز В أو كال على 1-800-769-2512 1-800-769-2512. يحتفظ البنك الملكي الكندي بحق سحب هذا العرض في أي وقت، حتى بعد قبولك.

* كسب المكافآت رك على التأهل صافي المشتريات فقط. (بما في ذلك تحويلات الرصيد والمعاملات التي تشبه النقد وبعض مدفوعات الفواتير) أو رسوم الفائدة أو الرسوم وأرصدة العوائد والتسويات سوف تقلل أو تلغي النقاط المحصلة بالمبالغ المحملة أصلا.

^ رهنا بموافقة الائتمان. إذا كنت من حاملي بطاقات الأعمال الأساسية على حساب فيسا بلاتينوم أفيون (вЂњBusiness AvionвЂќ) وأنت أيضا حامل البطاقة الرئيسي في حساب شخصي فيسا بلاتينوم أفيون أو فيسا إنفينيت أفيون (вЂњ بيرسونال AvionвЂќ)، فإن الرسم السنوي لأي من أفيون بوسينيس أفيون أو ستتم إعادة بطاقة أفيون الشخصية من اختيارك من 120 دولار أمريكي إلى 50 دولارا أمريكيا كل عام ما دامت حامل بطاقة أعمال أساسي في حساب أفيون أفيون وحامل البطاقة الرئيسي في حساب أفيون الشخصي وكلتا البطاقات في وضع جيد. إذا كان لديك أكثر من بطاقة شخصية أفيون أو بوسينيس أفيون، فستظل الرسوم السنوية لهذه البطاقة الإضافية 50 دولارا أمريكيا (أو ما يعادلها بالعملة المحلية). لن يتم تطبيق أي خصم بأثر رجعي، مما يعني أنه اعتمادا على البطاقة التي تريد تطبيق الخصم عليها، قد تضطر إلى الانتظار لتجديدك السنوي القادم للاستفادة من الخصم. يحتفظ البنك الملكي الكندي بحق سحب هذا العرض في أي وقت.

جميع المكافآت رهن بالتوافر. للحصول على شروط كاملة والشروط والقيود التي تنطبق على برنامج المكافآت رك يرجى زيارة: هتبس: //rbcrewards/terms-and-conditions/index-na. html أو الاتصال 1-800-769-2512 1-800-769-2512 .

в-Љ يرجى ملاحظة أن الأمر سيستغرق من يومين إلى ثلاثة (3) أيام عمل حتى تتم إضافة الدفعة إلى حسابك في بطاقة الائتمان وتعديل رصيدك المتاح. عمليات الاسترداد نهائية ولا يمكن إلغاؤها أو عكسها بمجرد تقديمها. للحصول على التفاصيل الكاملة، يرجى مراجعة الشروط والأحكام الخاصة ببرنامج مكافآت رك.

в-І في كل مرة تستخدم فيها بطاقة رك المؤهلة المرتبطة بك لشراء أي درجة من البنزين، بما في ذلك الديزل، في موقع التجزئة بترو كندا، سوف توفر ثلاثة سنتات (0.03 $) للتر الواحد في وقت المعاملة. قد يستغرق ربط البطاقة ما يصل إلى يومي عمل من أجل المعالجة قبل تطبيق نقاط التوفير والمكافأة على عمليات الشراء.

في كل مرة تستخدم فيها بطاقة رك المؤهلة المرتبطة بك لدفع ثمن المشتريات المؤهلة في موقع التجزئة بترو-كندا، سوف تكسب مكافأة من عشرين في المئة (20٪) أكثر من نقاط بترو مما كنت كسب عادة، وفقا للبترو - البنود والشروط.

ВҐ في كل مرة تستخدم فيها بطاقة ائتمان ريك ريواردز الائتمانية المؤهلة لدفع ثمن المشتريات في موقع بترو-كانادا بالتجزئة، ستحصل على مكافأة قدرها 20٪ من نقاط مكافآت رك أكثر مما تحصل عليه عادة مقابل كل دولار أمريكي واحد من المشتريات وفقا للشروط والأحكام المكافآت رك. يرجى الانتظار لمدة تصل إلى تسعين (90) يوما من تاريخ نشر المعاملة في كشف حساب بطاقتك الائتمانية للحصول على نقاط المكافأة المراد إيداعها في حساب مكافآت رك. يتم استبعاد المستخدمين المصرح لهم من كسب المكافآت رك المكافآت نقطة.

1) التغطية المكتتبة من قبل شركة رك للتأمين في كندا.

2) تغطية التغطية من قبل شركة أفيفا للتأمين العام في مقاطعة كيبيك وشركة رك للتأمين في كندا في بقية كندا.

يخضع كل التأمين للقيود والاستثناءات. يرجى الرجوع إلى شهادات التأمين المدرجة في طقم الترحيب للحصول على التفاصيل الكاملة.

В® / & تريد؛ العلامات التجارية للبنك الملكي الكندي. رك وبنك رويال هي علامات تجارية مسجلة للبنك الملكي الكندي.

вЂЎ В بترو كندا و بترو النقاط هي علامات تجارية لشركة سونكور للطاقة المحدودة تستخدم بموجب ترخيص. جميع العلامات التجارية الأخرى هي ملك لأصحابها.

^ إذا كنت طالبا في مرحلة ما بعد الثانوية ومالكا أو مالكا مشاركا في الخدمات المصرفية للطالب في بنك كولومبيا المركزي أو بنك كولومبيا المركزي لا حدود المصرفية لحساب الطلاب (كل، و Ђњ الحساب الأساسي للطلاب ЂќlЂќЂќЂќ and and and and and and and and and and and and and and and and and and and and and and and and and and and and and and and and and and and and and and and and and and and and) المكافآت فيزا الائتمانية بطاقة الائتمان، رك فيزا بطاقة الائتمان العودة النقدية أو بطاقة الائتمان ويستجيت ماستركارد ماستركارد (كل، بطاقة الائتمان الطالب ЂќlЂњЂќЂќЂќ)، يحق لك الحصول على خصم نحو الرسوم السنوية من بطاقة الائتمان الطالب المؤهلين، في كل عام. بالنسبة لأي بطاقة ائتمان أخرى من بنك رويال رويال بنك، يتم تطبيق رسوم سنوية منتظمة لأنها غير مؤهلة للحصول على خصم.

للاستفادة من الخصم تجاه الرسوم السنوية لبطاقة ائتمان الطالب المؤهلة، يجب عليك في كل عام: 1) إكمال قسم معلومات الطالب في نموذج طلب بطاقة الائتمان بالكامل، 2) تبقى طالبا، و 3) أن يكون مالكا أو المشارك في حساب مصرفي طالب مؤهل طوال دراستك.

ستستمر في الاستفادة من الخصم على الرسم السنوي الخاص بك: (1) حتى تغلق حساب بنك الطالب المؤهل، أو 2) حتى سنة التخرج المتوقعة التي قدمتها عند فتح حساب بنك الطالب المؤهل، أيهما يأتي أولا. بعد ذلك، لن تتلقى الخصم على الرسم السنوي. إذا كان سبب التخرج المتوقع، الذي قدمته عند فتح الحساب المصرفي للطالب المؤهل لسبب ما، لسبب ما، يختلف عن العام الذي أشرت إليه في نموذج طلب بطاقتك الائتمانية، وهو سنة التخرج المتوقعة التي قدمتها عند افتتاح الطالب المؤهل سوف يسود الحساب المصرفي ويتم استخدامه لتحديد انتهاء هذا العرض.

ولا يحق لحاملي البطاقات الإضافيين (مقدمي الطلبات والمستخدمين المصرح لهم) الحصول على هذا العرض. لا يسمح إلا بخصم واحد من الرسوم السنوية لبطاقات الائتمان في حساب مصرفي طالب مؤهل. وھذا یعني أنھ إذا کان ھذا الحساب ھو حساب مصرفي طالب مؤھل مشترکا، وأن کل مالك مشترك ھو أیضا حامل البطاقة الرئیسي لبطاقة ائتمان الطالب المؤھلة، یحق فقط للمالك الأساسي للحساب المصرفي للطالب المؤھل الحصول علی الرسوم السنویة لبطاقة الائتمان الخصم.

* كمالك وحيد أو مشترك لحساب رك التوقيع لا الحد المصرفية (سنل) والحساب التوقيع رك الأساسية حامل بطاقة فيزا، والرسوم السنوية 39 $ من التوقيع بك بطاقة المكافآت رك المكافأة سيتم استرداد تماما، كل عام، طالما الخاص بك تبقى بطاقة الائتمان المؤهلة في وضع جيد وتبقى مالك حساب سنل. حاملي بطاقات إضافية (مقدمي الطلبات والمستخدمين المصرح لهم) غير مؤهلين للحصول على خصم الرسوم السنوية، حتى لو كانوا أيضا أصحاب حساب سنل. لا يسمح إلا بخصم سنوي واحد لبطاقة الائتمان لكل حساب سنل. شروط أخرى وقيود كانت قد وضعت. يحتفظ البنك الملكي الكندي بحق سحب هذا العرض في أي وقت، حتى بعد قبولك.

نقاط المكافآت Ђ are are كسب على صافي صافي المشتريات المؤهلة فقط؛ لا يتم تحصيلها على السلف النقدية (بما في ذلك تحويلات الرصيد والمعاملات التي تشبه النقد ومدفوعات الفواتير التي لم يتم فرض رسوم مسبقة عليها والتي قمت بإعدادها مع التاجر)، ورسوم الفائدة أو الرسوم، والائتمانات للعائدات والتسويات سوف يقلل أو إلغاء النقاط المحصلة بالمبالغ المحملة أصلا.

В§ نقاط المكافأة هي رك المكافآت نقاط حصل على المشتريات التي أجريت في تجار التجزئة مرتبطة من رك المكافآت إيمال، بالإضافة إلى نقاط المكافآت رك القياسية تكسب لكل دولار عند إجراء عملية شراء مع بطاقة الائتمان المكافآت رك الخاص بك. تخضع قائمة تجار التجزئة والعروض المشاركة للتغيير دون إشعار مسبق. تجار التجزئة المشاركين، وليس البنك الملكي الكندي، وضع قواعد لكل عرض نقاط المكافأة. للحصول على الشروط والأحكام الكاملة قم بزيارة ربكريواردز.

** جميع المكافآت رهن بالتوافر. قد تتقلب قيم استرداد القيمة. يتم تضمين مكافأة الشحن (عن طريق خدمة التسليم المدفوعة مسبقا الأساسية)، والمناولة والضرائب مع الاسترداد الخاص بك. للحصول على شروط كاملة والشروط والقيود التي تنطبق على برنامج المكافآت رك، فضلا عن القيم الحالية نقطة الاسترداد، يرجى زيارة: ربكريواردز أو الاتصال 1-800 ROYALВ® 1-2 (1-800-769-2512 1-800- 769-2512).

1) التغطية المكتتبة من قبل شركة رك للتأمين في كندا.

2) تغطية التغطية من قبل شركة أفيفا للتأمين العام.

3) تغطية التغطية من قبل شركة أفيفا للتأمين العام في مقاطعة كيبيك وشركة رك للتأمين في كندا في بقية كندا.

В® / в "ў العلامة التجارية (العلامات التجارية) للبنك الملكي الكندي. رك وبنك رويال هي علامات تجارية مسجلة للبنك الملكي الكندي.

في كل مرة تستخدم فيها بطاقة رك المؤهلة المرتبطة بك لدفع ثمن المشتريات المؤهلة في موقع التجزئة بترو-كندا، سوف تكسب مكافأة من عشرين نقطة مئوية (20٪) أكثر من نقاط بترو مما كنت كسب عادة، وفقا للبترو - البنود والشروط.

2) يجب أن يتم الوفاء بالوقت المحدود خلال 60 يوما من تاريخ الموافقة. هذا العرض غير قابل للتحويل، ولا يجوز دمجه أو استخدامه جنبا إلى جنب مع أي عرض آخر. قد يتم تغيير العرض أو إلغاؤه أو سحبه في أي وقت. فقط حامل البطاقة الأساسية لبطاقة ريك ريواردز + فيسا مؤهل للحصول على هذا العرض وقد يحصل على مكافأة لمرة واحدة من 500 نقطة ريك ريواردز (вЂњBonus بوينتسЂќЂќ)، لكل عرض مدرج (كل عرض ЂњBonus OfferЂќЂќ) بحد أقصى 3،500 رك نقاط المكافآت. قد يستغرق انتهاء صلاحية العرض لنقاط المكافأة في كشف بطاقة الائتمان مدة تصل إلى 60 يوما. يمكن لحاملي البطاقة الأساسية تزويدنا بعنوان البريد الإلكتروني الخاص بهم والاشتراك في الإحصائيات من خلال رك المصرفية عبر الإنترنت، عن طريق زيارة فرع أو الاتصال 1-800-769-2512.

3) رك كندا، رك محفظة، و رك المكافآت التطبيق، و رك المصرفية عبر الإنترنت يتم تشغيلها من قبل البنك الملكي الكندي. يتم تشغيل رك موبايل من قبل البنك الملكي الكندي، رك المباشر للاستثمار وشركة رك دومينيون للأوراق المالية شركة تنطبق رسالة موحدة ورسوم البيانات على أي مكافأة تقدم لك الوفاء باستخدام الجهاز الخاص بك.

4) لبنك معنا يعني أنك يجب أن تحمل أي من الحسابات المصرفية رك التالية: رك يوم إلى يوم المصرفية В®، رك لا حدود المصرفية ®، رك المصرفية الخاصة، رك التوقيع لا حدود المصرفية ®، رك الطالب المصرفية ® ، رك لا حدود المصرفية للطلاب ®، رك فيب المصرفية В®، الحساب الشخصي الولايات المتحدة В®، راتلينك الأساسية ®، راتلينك تفضيل ®، رك يوم إلى يوم الادخار В®، رك تعزيز الادخار В® أو رك عالية الفائدة إسافينغس В®. إذا لم يكن لديك حساب مؤهل، فيمكنك فتح حساب من خلال الانتقال عبر الإنترنت على ربكرويالبانك / برودوكتس / ديبوسيتس / بانكينغ-accounts. html أو بالاتصال بالرقم 1-800-769-2511.

5) حسابات الدولار الأمريكي غير مؤهلة للحصول على عرض البونص هذا. إنتيراك التحويلات الإلكترونية هي حرة لجميع رك الحسابات الشخصية الشخصية. قد يتم فرض رسوم قدرها 1.00 دولار على المرسل ل إنتيراك التحويلات الإلكترونية المرسلة من حسابات الادخار الشخصية رك المدرجة ك حساب مؤهل.

6) تخضع الودائع لنفس حدود الحد الأقصى للإيداع وكذلك مبالغ الإفراج والدفع كودائع يتم إيداعها في ماكينة الصراف الآلي التابعة لبنك رك الملكي. كما تخضع الشيكات لسياسات الاحتفاظ بالبنوك الشخصية.

7) جميع المكافآت رهن بالتوافر. معدل استرداد العادية لأعضاء ريك ريواردز، بخلاف حاملي بطاقات آر بي سي ريواردز +، هو 3500 نقطة ريك ريواردز للحصول على بطاقة هدية بقيمة 25 دولار ل Amazon. ca و إيتونس و ستاربكس و مكاف و سينيبلكس. قد تتقلب قيم استرداد القيمة. للحصول على شروط كاملة والشروط والقيود التي تنطبق على برنامج المكافآت رك، يرجى زيارة ربكرواردز أو الاتصال 1-800-769-2512.

8) تغطية التغطية من قبل شركة أفيفا للتأمين العام في مقاطعة كيبيك وشركة رك للتأمين في كندا في بقية كندا. يخضع كل التأمين للقيود والاستثناءات. يرجى الرجوع إلى شهادة التأمين للحصول على التفاصيل الكاملة.

В® / & تريد؛ العلامات التجارية للبنك الملكي الكندي. رك وبنك رويال هي علامات تجارية مسجلة للبنك الملكي الكندي.

Ђ للحصول على رحلة جوية قصيرة إلى أي مقاطعة / ولاية مجاورة في كندا أو الولايات المتحدة، سوف تحتاج إلى ما مجموعه 15000 نقطة المكافآت ريك، للحصول على أقصى سعر تذكرة من 350 $. للحصول على نقاط المكافآت ال15000 المكافآت التي ستظهر في كشفك الأول، يجب أن تتم الموافقة على استمارة الطلب من قبلنا. حامل البطاقة أو حاملي البطاقة الإضافيين الذين لديهم بطاقات ائتمان السفر من بنك رويال رويال بانك، الذين يقدمون طلبات للحصول على بطاقة فيزا إنفينيت أفيون من بطاقة رك في فترة العرض، غير مؤهلين للحصول على هذا العرض. لا يجوز الجمع بين هذا العرض أو استخدامه مع عرض آخر. جميع الضرائب المعمول بها، ورسوم الخدمة والرسوم الإضافية هي من مسؤولية المسافر. للحصول على تفاصيل السفر الجوائز الفداء، يرجى زيارة ربك / ترافردريمبتيون. تنطبق بعض القيود. للحصول على الشروط والأحكام الكاملة التي تنطبق على برنامج المكافآت رك، يرجى زيارة: ربكريواردز أو الاتصال 1-800-769-2512. يحتفظ البنك الملكي الكندي بحق سحب هذا العرض في أي وقت، حتى بعد قبولك.

* كسب المكافآت رك على التأهل صافي المشتريات فقط. لا يتم تحصيلها على السلف النقدية أو تحويلات الرصيد أو المعاملات الشبيهة بالنقد أو بعض دفعات الفواتير أو رسوم الفائدة أو الرسوم، كما أن الاعتمادات الخاصة بالعائدات والتسويات ستخفض أو تلغي النقاط المكتسبة بالمبالغ المحملة أصلا.

1) التغطية المكتتبة من قبل شركة رك للتأمين في كندا.

2) تحت 65 سنة من العمر، 15 يوما من التغطية. لعمر 65 وما فوق، و 3 أيام من التغطية. تغطية التغطية من قبل شركة رك للتأمين في كندا.

3) تغطية التغطية من قبل شركة أفيفا للتأمين العام في مقاطعة كيبيك وشركة رك للتأمين في كندا في بقية كندا.

4) تغطية التغطية من قبل شركة أفيفا للتأمين العام.

В® / & تريد؛ العلامات التجارية للبنك الملكي الكندي. رك وبنك رويال هي علامات تجارية مسجلة للبنك الملكي الكندي.

Ђ للحصول على نقاط المكافآت رب مكافأة 25،000، يجب أن تتلقى استمارة الطلب الخاصة بك والموافقة عليها من قبلنا. عند التسجيل، سوف تظهر 25،000 مكافأة رك المكافآت نقطة على البيان الشهري الأول الخاص بك. حامل البطاقة الإضافية، فضلا عن حاملي بطاقات رك أفيون فيزا إنفينيت بريفيليج القائمة، الذين يتقدمون بطلب أو ينقلون إلى بطاقة أفيون فيزا إنفينيت بريفيليج لبطاقة الخدمات المصرفية الخاصة، أو العكس، غير مؤهلين لهذا العرض. This offer may not be combined or used in conjunction with any other offer. Royal Bank of Canada reserves the right to withdraw or amend this offer at any time. Air Travel Reward redemptions from the Air Travel Redemption Schedule start at 15,000 points for a round trip short-haul flight in economy class with a maximum ticket price of $350. All applicable taxes, service fees and surcharges are the responsibility of the traveler. For more details, including guidelines on redeeming for business class seats, visit rbcroyalbank/cards/rbcrewards/avion_booking .

^ RBC Rewards points are earned on qualifying net purchases only; they are not earned on cash advances (including balance transfers, cash-like transactions and certain bill payments), interest charges or fees, and credits for returns and adjustments will reduce or cancel the points earned by the amounts originally charged.

* For any type of travel you book through RBC Rewards other than flights from the Air Travel Redemption Schedule, you may redeem RBC Rewards points at the rate of 1.0% (100 points per CAD $1.00) to pay for all or part of your booking, including associated taxes and fees. When you book a flight from the Air Travel Redemption Schedule, you may also decide to redeem RBC Rewards at the rate of 1% to pay for any taxes and service fees (including sales, GST, departure and transportation taxes and fees, airport improvement fees, or other taxes), excess baggage charges, immigration fees, governmental fees and levies, customs charges and passenger facilities charges, health or other inspection fees, fuel surcharges and other non-ticket costs or charges which may be imposed. For complete terms, conditions and restrictions that apply to the RBC Rewards program, visit: rbcrewards .

В± For full details on Visa Infinite Privilege, visit visainfinite. ca/privilege . You must be an eligible Visa Infinite Privilege cardholder with a valid Visa Infinite Privilege card to take advantage of the Visa Infinite Privilege offers, benefits and services. Certain benefits and services require enrolment. Offers and benefits are non-transferable and discounts cannot be combined with any other offer or discount. Neither Visa nor Royal Bank of Canada is responsible for any claims or damages arising from use of any benefits or services provided by a third party. Visa reserves the right to modify or cancel offers, benefits and services at any time and without notice. All offers, benefits and services made available through Visa are subject to complete terms and conditions, including third party suppliers’ terms and conditions . The Visa Infinite Privilege privacy policy applies to all benefits and services that require enrolment through, or are otherwise provided by, the Visa Infinite Privilege Concierge or the Visa Infinite Privilege website. The collection, use and disclosure of cardholders’ personal information by third party suppliers of services and benefits to Visa Infinite Privilege cardholders are subject to such third parties’ own privacy policies.

в€ћ Bonus points are RBC Rewards points earned on qualifying purchases made at Carlson Wagonlit Travel and are in addition to the standard RBC Rewards points you earn per dollar when you make a purchase with your RBC Rewards credit card. Conditions and restrictions apply. For complete details, visit: https://rbcrewards/earn-points/index-na. html .

All rewards are subject to availability. For complete terms, conditions and restrictions that apply to the RBC Rewards program please visit https://rbcrewards/terms-and-conditions/index-na. html or call 1-888-769-2581 1-888-769-2581.

в—Љ Please note that it will take two (2) to three (3) business days for your payment to be credited to your credit card account and to adjust your available credit. Redemptions are final and cannot be cancelled or reversed once submitted. For complete details, please consult the RBC Rewards Terms and Conditions.

в–І Each time you use your linked Eligible RBC Card to purchase any grade of gasoline, including diesel, at a Retail Petro-Canada Location, you will save three cents ($0.03) per litre at the time of the transaction. Card linking may take up to 2 business days to process before savings and bonus points can be applied to purchases.

В§ Each time you use your linked Eligible RBC Card to pay for qualifying purchases at a Retail Petro-Canada Location, you will earn a bonus of twenty percent (20%) more Petro-Points than you normally earn, in accordance with the Petro-Points Terms and Conditions.

ВҐ Each time you use your linked Eligible RBC Rewards Credit Card to pay for purchases at a Retail Petro-Canada Location, you will earn a bonus of twenty percent (20%) more RBC Rewards points than you normally earn for every $1 in purchases in accordance with the RBC Rewards Terms and Conditions. Please allow up to ninety (90) days from the date the transaction is posted on your credit card statement for the bonus points to be deposited into RBC Rewards account. Authorized Users are excluded from earning RBC Rewards points bonus.

1) Coverage underwritten by RBC Insurance Company of Canada.

2) Coverage underwritten by Aviva General Insurance Company in the Province of Quebec and by RBC Insurance Company of Canada in the rest of Canada.

All insurance is subject to limitations and exclusions. Please refer to the insurance certificates included in your Welcome Kit for complete details.

В® / ™ Trademark(s) of Royal Bank of Canada. RBC and Royal Bank are registered trademarks of Royal Bank of Canada.

вЂЎ В Petro-Canada and Petro-Points are trademarks of Suncor Energy Inc. Used under licence. All other trademarks are the property of their respective owner(s).

вЂ RBC Rewards points are earned on qualifying net purchases only; they are not earned on cash advances (including balance transfers, cash-like transactions and certain bill payments), interest charges or fees, and credits for returns and adjustments will reduce or cancel the points earned by the amounts originally charged.

All rewards are subject to availability. For complete terms, conditions and restrictions that apply to the RBC.

** All rewards are subject to availability. Point redemption values may fluctuate. Reward shipping (by basic prepaid delivery service), handling and taxes are included with your redemption. For complete terms, conditions and restrictions that apply to the RBC Rewards program, as well as for current point redemption values, please visit: rbcrewards or call 1-800 ROYALВ® 1-2 ( 1-800-769-2512 1-800-769-2512).

1) Coverage underwritten by RBC Insurance Company of Canada.

2) Coverage underwritten by Aviva General Insurance Company in the Province of Quebec and by RBC Insurance Company of Canada in the rest of Canada.

3) Coverage underwritten by Aviva General Insurance Company.

All insurance is subject to limitations and exclusions. Please refer to the insurance certificates included in your Welcome Kit for complete details.

В® /™ Trademark(s) of Royal Bank of Canada. RBC and Royal Bank are registered trademarks of Royal Bank of Canada.

вЂЎ Petro-Canada and Petro-Points are trademarks of Suncor Energy Inc. Used under licence. All other trademarks are the property of their respective owner(s).

†† Cash advances, including cash withdrawals from an ATM, can be made up to your available credit and daily limits. There is no interest-free period for cash advances, which means that interest is charged from the day the cash advance is made until we receive your payment for the total amount you owe. Cash advance fees may apply depending on the type of cash advance. Please refer to your RBC Royal Bank Credit Card Agreement for more details.

1) Coverage underwritten by Aviva General Insurance Company in the Province of Quebec and by RBC Insurance Company of Canada in the rest of Canada.

All insurance is subject to limitations and exclusions. Please refer to the insurance certificate(s) included in your Welcome Kit for complete details.

В® /™ Trademark(s) of Royal Bank of Canada. RBC and Royal Bank are registered trademarks of Royal Bank of Canada.

вЂЎ Petro-Canada and Petro-Points are trademarks of Suncor Energy Inc. Used under licence. All other trademarks are the property of their respective owner(s).

вЂ The annual interest rate is based on our Prime Rate plus a fixed percentage rate of interest above Prime Rate that ranges between 4.99% and 8.99%. The fixed percentage rate of interest above Prime Rate will be determined based on the information you provide in your application and information we collect from other sources, including credit rating agencies, and is subject to change. We will give you at least 30 days written notice of any increase of your fixed percentage rate of interest above Prime Rate. Prime Rate means the annual rate of interest Royal Bank of Canada announces from time to time as a reference rate then in effect for determining interest rates on Canadian dollar commercial loans in Canada. It can be found in branches and online at rbcroyalbank/rates Our Prime Rate in effect on the first business day of the month will be the Prime Rate we use for the purposes of calculating your annual interest rate for the monthly statement period ending in that month, even if our Prime Rate has changed during the month.

1) Coverage underwritten by RBC Insurance Company of Canada.

2) Coverage underwritten by Aviva General Insurance Company.

3) Coverage underwritten by Aviva General Insurance Company in the province of Quebec and by RBC Insurance Company of Canada in the rest of Canada. All insurance is subject to limitations and conditions. You will receive a Certificate of Insurance with complete details regarding the insurance coverage on your RBC RateAdvantage Visa card.

All insurance is subject to limitations and exclusions. Please refer to the insurance certificate(s) included in your Welcome Kit for complete details.

4) Cash advances, including cash withdrawals from an ATM, can be made up to your available credit and daily limits. There is no interest-free period for cash advances, which means that interest is charged from the day the cash advance is made until we receive your payment for the total amount you owe. Cash advance fees may apply depending on the type of cash advance. Please refer to your RBC RateAdvantage Visa Agreement for more details.

В® / ™ Trademark(s) of Royal Bank of Canada. RBC and Royal Bank are registered trademarks of Royal Bank of Canada.

вЂЎ В Petro-Canada and Petro-Points are trademarks of Suncor Energy Inc. Used under licence. All other trademarks are the property of their respective owner(s).

вЂ You will earn i) $2.00 back for every $100.00 (2% Cash Back Credit) in Grocery Store Purchases you make, up to a maximum of $6,000 per Annual Period, ii) $1.00 back for every $100.00 (1% Cash Back Credit) in Grocery Store Purchases you make in excess of $6,000 during an Annual Period, unlimited, iii) $0.50 back for every $100.00 (0.5% Cash Back Credit) in Net Purchases you make (including pre-authorized bill payments), other than Grocery Store Purchases, up to a maximum of $6,000 per Annual Period, and iv) $1.00 back for every $100.00 (1% Cash Back Credit) in Net Purchases you make (including pre-authorized bill payments), other than Grocery Store Purchases, in excess of $6,000 during an Annual Period, unlimited. Grocery Store Purchases are purchases made at merchants classified by Mastercard's "Merchant Category Code" as "grocery stores and supermarkets" (MCC 5411). Royal Bank of Canada ("Royal Bank") 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 Royal Bank 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. To consult the list of participating merchants, please visit: rbc/nofeecashbackinfo В Provided your New Cash Back Balance is $25.00 or more, Cash Back Credits earned during the year will i) automatically be credited to your January Account balance and appear on yourВ FebruaryВ monthly statement, ii) and/or be credited to your account at any other time, upon request. Cash Back Credits are not earned on cash advances (including balance transfers, cash-like transactions and certain bill payments that are not pre-authorized charges that you set up with a merchant), interest charges or fees, and credits for returns and adjustments will reduce or cancel the cash back credits earned by the amounts originally charged. For complete details, please refer to the RBC Cash Back Program Terms and Conditions at:В rbc/cashbackterms .

* Unlimited means there is no maximum cash back credits you can earn on Grocery Store Purchases and other purchases (up to your available credit limit) per Annual Period. For complete RBC Cash Back Program Terms and Conditions, please visit: rbc/cashbackterms .

1) Underwritten by RBC Insurance Company of Canada. In Quebec, certain coverages underwritten by Aviva General Insurance Company.

All insurance is subject to limitations and exclusions. Please refer to the insurance certificates included in your Welcome Kit for complete details.

2) You are protected with Zero Liability protection, which means you are not liable for fraudulent charges provided you have taken reasonable precautions to protect your PIN and your card, as set out in your RBC Royal Bank Credit Card Agreement.

В® /™ Trademark(s) of Royal Bank of Canada. RBC and Royal Bank are registered trademarks of Royal Bank of Canada.

вЂЎ Petro-Canada and Petro-Points are trademarks of Suncor Energy Inc. Used under licence. All other trademarks are the property of their respective owner(s).

вЂ You will earn i) $1.50 cash back for every $100.00 (1.5% Cash Back Credit) in Net Purchases you make (including pre-authorized bill payments), up to a maximum of $25,000 per Annual Period, and ii) $1.00 cash back for every $100.00 (1% Cash Back Credit) in Net Purchases you make (including pre-authorized bill payments), in excess of $25,000 during an Annual Period, unlimited. Provided your New Cash Back Balance is $25 or greater, Cash Back Credits earned during the Annual Period will i) automatically be credited to your January Account balance and appear on your February Account Statement, and/or ii) be credited at any other time, upon request. Cash Back Credits are earned on Net Purchases only; they are not earned on Cash Advances (including balance transfers, Cash-Like transactions and bill payments that are not pre-authorized charges that you set up with a merchant), interest charges or fees, and credits for returns and adjustments will reduce or cancel the cash back credits earned by the amounts originally charged. For complete details, please refer to the RBC Cash Back Program Terms and Conditions at rbc/cashbackterms .

вЂ вЂ Mastercard Airport Experiences, provided by LoungeKey, are being provided as a benefit to cardholders with eligible and valid World Elite Mastercard cards. Each eligible World Elite Mastercard cardholder is entitled to a complimentary membership to LoungeKey Airport Lounges (as long as they remain a World Elite Mastercard cardholder). Access to participating LoungeKey Airport Lounges is at the cost of US$27 per person (subject to change), per visit, and lounge access charges will be billed to the World Elite Mastercard card connected to the cardholderвЂ™s LoungeKey membership. To view a full list of participating LoungeKey Airport Lounges, their facilities, opening times and restrictions, cardholders can visitairport. mastercard . By using this service, you agree to all of LoungeKeyвЂ™s terms and conditions, including privacy and security policies available at airport. mastercard . These policies may be amended or updated at any time and without notice. RBC is not responsible for any claims or damages arising from the use of LoungeKey Airport Lounges. RBC is not responsible for this benefit. RBC reserves the right to modify or cancel this benefit at any time and without notice.

* Unlimited means there is no maximum cash back credits you can earn on eligible purchases (up to your available credit limit) per Annual Period. For complete RBC Cash Back Program Terms and Conditions, please visit: rbc/cashbackterms .

** The Concierge Service (вЂњServiceвЂќ) is being provided as a benefit to World Elite Mastercard cardholders. The goods and services cardholders request or otherwise choose to obtain through the Service are provided by various third party service providers unrelated to RBC. RBC does not endorse, review or qualify these service providers. RBC makes no representations or warranties (either express or implied) about, and assumes no responsibility or liability for, these service providers or the goods and services that may be obtained through the Service. Royal Bank of Canada is not responsible for any claims or damages arising from the use of any benefits or services provided by a third party. RBC cannot guarantee the successful fulfillment of cardholdersвЂ™ requests in all instances. There is no fee for the Service; however cardholders are responsible for the cost of any goods or services (including any related fees or costs) authorized by the cardholder and purchased by the Service on the cardholderвЂ™s behalf. All costs will be charged directly to the cardholderвЂ™s World Elite Mastercard card. RBC is not responsible for the Service. RBC reserves the right to modify or cancel this benefit at any time and without notice.

1) Coverage underwritten by Aviva General Insurance Company in the Province of Quebec and by RBC Insurance Company of Canada in the rest of Canada.

2) Coverage underwritten by Aviva General Insurance Company.

All insurance is subject to limitations and exclusions. Please refer to the insurance certificates included in your Welcome Kit for complete details.

В® /™ Trademark(s) of Royal Bank of Canada. RBC and Royal Bank are registered trademarks of Royal Bank of Canada.

&خنجر؛ Petro-Canada and Petro-Points are trademarks of Suncor Energy Inc. Used under licence. All other trademarks are the property of their respective owner(s).

1) Coverage underwritten by Aviva General Insurance Company.

2) Coverage underwritten by RBC Insurance Company of Canada.

3) Coverage underwritten by Aviva General Insurance Company in the province of Quebec and by RBC Insurance Company of Canada in the rest of Canada.

All insurance is subject to limitations and exclusions. Please refer to the insurance certificate(s) included in your Welcome Kit for complete details.

В® /™ Trademark(s) of Royal Bank of Canada. RBC and Royal Bank are registered trademarks of Royal Bank of Canada.

вЂЎ All other trademarks are the property of their respective owner(s).

1) Coverage underwritten by RBC Insurance Company of Canada.

2) Coverage underwritten by Aviva General Insurance Company.

All insurance is subject to limitations and exclusions. Please refer to the insurance certificate(s) included in your Welcome Kit for complete details.

В® / ™ Trademark(s) of Royal Bank of Canada. RBC and Royal Bank are registered trademarks of Royal Bank of Canada.

вЂЎ В Petro-Canada and Petro-Points are trademarks of Suncor Energy Inc. Used under licence. WestJet Dollars and WestJet Vacations are registered trademarks of WestJet Airlines Ltd. Used under licence. All other trademarks are the property of their respective owner(s)

1) Once approved for the WestJet RBC Mastercard, please allow 4-6 weeks after the first purchase transaction date for the welcome bonus of 50 WestJet dollars to appear on your credit card statement. Additional cardholders, as well as existing WestJet RBC World Elite Mastercard and WestJet RBC Mastercard cardholders, are not eligible for the welcome bonus offer. This offer may not be combined or used in conjunction with any other offer.

2) You will earn 1.0% back in WestJet dollars on your everyday purchases and 1.5% back when you purchase WestJet flights or WestJet Vacations packages. The additional 0.5% back in WestJet dollars is calculated separately and is in addition to the WestJet dollars you earn on everyday purchases, however it may not be accrued under certain circumstances. In order to receive the additional 0.5% in WestJet dollars, WestJet or WestJet Vacations must appear as the merchant on your credit card statement. WestJet dollars are earned on net purchases only; they are not earned on cash advances (including balance transfers, cash-like transactions and certain bill payments), interest charges or fees, and credits for returns and adjustments will reduce or cancel the WestJet dollars earned by the amounts originally charged.

3) WestJet dollars can be used to pay for all or part of the published fare of a WestJet-marketed flight or a WestJet Vacations package. WestJet dollars cannot be applied against taxes, fees or charges and can only be used for new bookings. A minimum amount of 50 WestJet dollars must be redeemed at one time. قد يتم تطبيق قيود أخرى. All terms, conditions and restrictions applicable to WestJet Rewards are established by WestJet and shall apply to all bookings, travel arrangements and other services offered or provided by WestJet. WestJet, not Royal Bank of Canada, is responsible for WestJet Rewards. For complete details, please visit westjet/creditcard .

4) Advance booking requirements will vary based on the destination when purchasing a WestJet Vacations package.

5) Coverage underwritten by RBC Insurance Company of Canada.

6) Coverage underwritten by Aviva General Insurance Company in the province of Quebec and by RBC Insurance Company of Canada in the rest of Canada.

7) Coverage underwritten by Aviva General Insurance Company.

All insurance is subject to limitations and exclusions. Please refer to the insurance certificates included in your Welcome Kit for complete details.

В® / ™ Trademark(s) of Royal Bank of Canada. RBC and Royal Bank are registered trademarks of Royal Bank of Canada.

вЂЎ В Petro-Canada and Petro-Points are trademarks of Suncor Energy Inc. Used under licence. All other trademarks are the property of their respective owner(s).

^ To receive the 15,000 Avios welcome bonus, your application form must be received and approved by Royal Bank of Canada. Please allow up to 10 weeks after receipt of your card for the 15,000 Avios to be posted to your British Airways Executive Club account. If you are not currently a member of the Executive Club, you will be enrolled automatically once you are approved for the RBC British Airways Visa Infinite card. Please note that the address your Executive Club account membership is registered under must match the one for your RBC British Airways Visa Infinite account at all times for the Avios to be posted to your Executive Club account. The additional 25,000 Avios bonus will be awarded to you if a total of $5,000 CAD or more in qualifying purchases and pre-authorized bill payment transactions is posted to your RBC British Airways Visa Infinite account within the first 2 full monthly statement periods (approximately 2 months from the date your account is opened), provided your credit card account is in good standing at the time you reach $5,000 CAD in qualifying transactions. Qualifying transactions exclude cash advances (Balance transfers, cash-like transactions and bill payments that are not pre-authorized charges that you set up with a merchant), interest charges and fees. The 25,000 bonus Avios will be credited to your Executive Club account within 10 to 15 weeks after meeting the spending requirement. The additional 10,000 bonus Avios will be credited to your Executive Club account within 12-15 weeks after the one year anniversary of your account opening provided your credit card account remains active and in good standing. This offer is only available to new RBC British Airways Visa Infinite cardholders. Additional cardholders, as well as existing RBC British Airways Visa Infinite cardholders as of the offer eligibility period, are not eligible for this offer. This offer may not be combined or used in conjunction with any other offer. British Airways, not Royal Bank of Canada, is responsible for this offer and the British Airways Executive Club Programme. For all Executive Club Terms and Conditions, please visit ba/theclub.

* Earn 2 Avios per $1 CAD spent on British Airways and British Airways Holidays and 1 Avios per $1 CAD spent on all other qualifying net purchases when you use your RBC British Airways Visa Infinite card. Avios are earned on qualifying net purchases only.

Eligible Members who spend a minimum of $30,000 CAD in qualifying purchases on their Card in a calendar year (вЂњcalendar yearвЂќ refers to the time period starting from 1 January through to 31 December) will receive a maximum of one Companion Award eVoucher for that calendar year they will be able to apply towards the purchase of a flight for a companion travelling with the Eligible Member, on the same Reward flight (вЂњCompanion TicketвЂќ). Please note that qualifying purchases exclude cash advances (including balance transfers, cash-like transactions and bill payments that are not pre-authorized charges that you set up with a merchant), interest charges or fees, and credits for returns and adjustments will reduce or cancel the spend amount by the amounts originally charged. Please allow six (6) to eight (8) weeks for the Companion Award eVoucher to post to the British Airways Executive Club account after meeting the spending requirement. The Companion Award eVoucher entitles the Eligible Member to purchase a Companion Ticket at the time of booking a Reward flight, without having to pay for the price of the companionвЂ™s flight. Reservations and bookings for both the Reward flight of the Eligible Member and the Companion Ticket of the companion must be made at the same time, for the same flight, same date, in the same class, same cabin and on the same passenger name record (PNR) for travel on the same itinerary. Eligible Members will be responsible for paying, without limitation, the taxes, fees and carrier charges, related to the Companion Ticket. At time of publication, all Reward Flights and Companion Tickets are subject to taxes, fees, & carrier charges of approximately $600 per person based on return travel from Vancouver to London in economy class and approximately $1,000 per person based on business class travel. To make a booking, (including the Companion Ticket) Eligible Members must visit ba and log in using their membership number and PIN/Password. It is not possible to book a Reward flight or a Companion Ticket by contacting a travel agent, or at the airport. The Companion Award eVoucher may be used for flights operated by British Airways only. Travel on franchise, codeshare or alliance airlines is not permitted. Return flights must be booked at the same time the outward journey is booked. All travel must originate in and return to Canada. A Companion Award eVoucher can only be used if and when the Eligible Member is booking a Reward flight using Avios points (i. e. cannot be booked using a combination of Avios points and cash or a charge to the Card) and cannot be combined with any other offer, promotion, mileage or frequent flyer programme. Full details of fare rules can be found on ba. All Reward flights and Companion Tickets are subject to availability and there is no guarantee the Eligible Member will be able to book a flight for a companion to the Eligible MemberвЂ™s choice of flight and destination. The Companion Award eVoucher is only valid if it has been acquired in accordance with these Terms and Conditions. A Companion Award eVoucher is valid for twenty-four (24) months from the date it is issued and must be exchanged for a Companion Ticket with travel commencing from Canada before the expiry date on the eVoucher. Eligible Members must still have a Card in good standing at the time of travel. British Airways and/or Royal Bank of Canada reserve(s) the right to refuse to issue or to honor any Companion Ticket in the event that the Eligible Member is in breach of either these RBC British Airways Visa Infinite Companion Award eVoucher Terms and Conditions, their RBC Royal Bank Credit Card Agreement or Executive Club Terms and Conditions. The Companion Award eVoucher is not extendable, refundable, transferable, and has no cash or mileage value. At no time may the Companion Award eVoucher be purchased, sold, or bartered but if it is, any such eVoucher will become void. Companion Award eVouchers are applicable to new and future bookings only; they cannot be used to amend or pay for existing bookings. The Companion Ticket is subject to the Executive Club Terms and Conditions relating to Companion Award eVouchers. If the Eligible Member cancels the Companion Ticket booking more than twenty-four (24) hours prior to the scheduled departure of the outbound flight from Canada, British Airways will redeposit the Companion Award eVoucher which will only be valid for the remainder of its twenty-four (24) month expiry period based on original date of issue. Reward flight bookings and Companion Tickets cancelled within twenty-four (24) hours of departure will result in the Companion Ticket eVoucher and mileage being cancelled without any possibility of being reissued or credited to the Eligible Member. Please visit the full British Airways Executive Club Terms and Conditions found online at ba/theclub .

в€ћ 10% off British Airways flights when you book on ba/RBC10 and pay with your RBC BA Visa Infinite card. In order to take part in the 10% promotion, RBC British Airways Visa Infinite cardholders must log in at ba/RBC10 using their Executive Club username and PIN and make a roundtrip booking now through 31 December, 2018 and enter the promotion code CARDOFFERC in the marked box on the Price Quote page of the booking process. A 10% discount is valid on the total roundtrip price, including taxes, fees and carrier charges on mainline flights operated by British Airways purchased now through 31 December, 2018 only. Outbound travel must commence by 31 December, 2018. A 10% discount will appear during the final payment page. Fares not purchased at ba/RBC10 do not qualify for discount. Discount is not valid for flights on code share or franchise carriers. All rules of roundtrip fare purchased apply, including advance purchase, minimum stay, weekend-add-ons, and cancellation/refund rules. Offer is non-transferable and cannot be combined with any other offer. Valid for new bookings only made by Canadian residents paying in CAD using a valid British Airways Visa card issued by Royal Bank of Canada for travel commencing from Canada to London and beyond. Discount is taken off the total roundtrip price of every ticket including taxes and fees on the same booking. 10% discount applies for up to eight passengers booked on the same British Airways booking for the same flights. Cardholder must travel to qualify for the 10% discount. Refunds from previously purchased fare types not permitted. The 10% discount not combinable with any other offer and is taken off valid, published fares only and is subject to availability. Offer is subject to British Airways fare rules and conditions of contract available on ba and may be limited or withdrawn at any time without advance notice. Other significant restrictions may apply. Newly enrolled Executive Club members, please allow 24 hours to use the promotion code. British Airways, not Royal Bank of Canada, is responsible for the terms and conditions of this offer and the British Airways Executive Club program.

1) Under 65 years of age, 15 days of coverage. For age 65 and over, 3 days of coverage. Coverage underwritten by RBC Insurance Company of Canada.

2) Coverage underwritten by RBC Insurance Company of Canada.

3) Coverage underwritten by Aviva General Insurance Company in the province of Quebec and by RBC Insurance Company of Canada in the rest of Canada.

4) Coverage underwritten by Aviva General Insurance Company.

All insurance is subject to limitations and exclusions. Please refer to the insurance certificates included in your Welcome Kit for complete details.

** Reward flights and cabin upgrades are subject to availability. Taxes, fees and carrier charges apply of approximately $600 per person in economy or $1,000 in business class based on return travel from Vancouver to London.

وسهل حصوي؛ / ™ Trademark(s) of Royal Bank of Canada. RBC and Royal Bank are registered trademarks of Royal Bank of Canada.

&خنجر؛ Petro-Canada and Petro-Points are trademarks of Suncor Energy Inc. Used under licence. All other trademarks are the property of their respective owner(s).

&خنجر؛ To receive the 15,000 Asia Miles welcome bonus, your application must be received and approved by Royal Bank of Canada. Please allow up to 8 weeks from the date of card issuance for the 15,000 Asia Miles to be credited to your Asia Miles account.

1) “Local spend” means purchases charged to your account in Canadian dollars. Asia Miles are earned on qualifying net purchases in single receipt only; they are not earned on cash advances (including balance transfers, cash-like transactions and bill payments that are not pre-authorized charges that you set up with a merchant), interest charges or fees, and credits, for returns and adjustments will reduce or cancel the points earned by the amounts originally charged.

2) You will earn 1.25 Asia Miles for every 1 CAD dollar equivalent of purchases made in a foreign currency with your RBC Cathay Pacific Visa Platinum card. Asia Miles are earned on net purchases only; they are not earned on cash advances (including balance transfers, cash-like transactions and bill payments that are not pre-authorized charges that you set up with a merchant), interest charges or fees, and credits for returns and adjustments will reduce or cancel the Asia Miles earned by the amounts originally charged. Please allow 6 – 8 weeks for additional Asia Miles to be credited to your Asia Miles account. Royal Bank of Canada and Asia Miles Limited reserve the right to withdraw this offer at any time.

3) Asia Miles Terms and Conditions apply. For full details please visit asiamiles.

4) You will earn 1 additional Asia Mile for every 1 CAD (for a total of 2 Asia Miles for every 1 CAD) when you use your RBC Cathay Pacific Visa Platinum card to purchase Cathay Pacific tickets online at cathaypacific/ca . The Double Asia Miles offer applies to the amount charged to your credit card in Canadian dollars only, not to Asia Miles redeemed for award redemption bookings. Additional Asia Miles will be credited directly to your Asia Miles account 6 – 8 weeks after ticket issuance. To benefit from this offer, you must be a member of the travelling party on the same booking and must log in using your own Marco Polo Club/Asia Miles membership number. Royal Bank of Canada and Cathay Pacific reserve the right to withdraw this offer at any time.

5) Under 65 years of age, 15 days of coverage. For age 65 and over, 3 days of coverage. Coverage underwritten by RBC Insurance Company of Canada.

6) Coverage underwritten by RBC Insurance Company of Canada.

7) Coverage underwritten by Aviva General Insurance Company in the Province of Quebec and by RBC Insurance Company of Canada in the rest of Canada.

8) Coverage underwritten by Aviva General Insurance Company.

All insurance is subject to limitations and exclusions. Please refer to the insurance certificates included in your Welcome Kit for complete details.

В® / ™ Trademark(s) of Royal Bank of Canada. RBC and Royal Bank are registered trademarks of Royal Bank of Canada.

вЂЎ Petro-Canada and Petro-Points are trademarks of Suncor Energy Inc. Used under licence. WestJet Dollars and WestJet Vacations are registered trademarks of WestJet Airlines Ltd. Used under licence. All other trademarks are the property of their respective owner(s)

1) Only available to residents of Canada. Once approved for the WestJet RBC MasterCard, please allow 4-6 weeks after the first purchase transaction date for the 50 welcome WestJet dollars to appear on your credit card statement. Once approved for the WestJet RBC World Elite MasterCard, please allow 4-6 weeks after the first purchase transaction date for the 250 welcome WestJet dollars to appear on your credit card statement and for the welcome companion flight voucher (the "Flight Voucher") to appear on your WestJet account, accessible at westjet . The Flight Voucher is offered to new WestJet RBC World Elite MasterCard cardholders only, and annually thereafter upon their credit card anniversary date. Primary cardholder may use the companion flight voucher only once on their choice of A) $99 (plus taxes, fees and charges) round-trip flight for travel in Canada and the continental U. S.; B) $299 (plus taxes, fees and charges) round-trip flight for travel to/from Mexico, Central America, the Caribbean and Hawaii; or C) $399 (plus taxes, fees and charges) round-trip flight to/from Europe. The Flight Voucher may only be used if the companion is travelling with you on the same itinerary. Applicable taxes, fees and charges on the Flight Voucher are the responsibility of the traveller and must be paid at time of booking. Additional fees may apply for bookings made via the Contact centre. Flight Voucher is available on all published eligible fares marketed and operated by WestJet. Flight Voucher is available on all published eligible Econo, Flex or Plus fares wholly marketed and operated by WestJet and may only be used if the companion is travelling with you on the same itinerary. Flight Voucher pricing differs based on origin and destination. The Flight Voucher is only valid for new bookings made through westjet or WestJet's Contact centre, cannot be applied to existing reservations and is not valid for group bookings or WestJet Vacations bookings. Additional cardholders, as well as existing WestJet RBC World Elite MasterCard and WestJet RBC MasterCard cardholders, are not eligible for the welcome offer or welcome Flight Voucher offer. This offer may not be combined or used in conjunction with any other offer. Terms and of the Flight Voucher are established by WestJet and WestJet reserves the right to change or withdraw this offer at any time. Visit westjet/creditcard for complete details.

2) You will earn up to 1.5% back in WestJet dollars on your everyday purchases and up to 2.0% back when you purchase WestJet flights or WestJet Vacations packages, depending on the card you choose. The additional 0.5% back in WestJet dollars is calculated separately and is in addition to the WestJet dollars you earn on everyday purchases, however it may not be accrued under certain circumstances. In order to receive the additional 0.5% in WestJet dollars, WestJet or WestJet Vacations must appear as the merchant on your credit card statement. WestJet dollars are earned on net purchases only; they are not earned on cash advances (including RBC Royal BankВ® credit card cheques, balance transfers, cash-like transactions and certain bill payments), interest charges or fees, and credits for returns and adjustments will reduce or cancel the WestJet dollars earned by the amounts originally charged.

3) Valid for primary cardholders of the WestJet RBC World Elite MasterCard and up to eight (8) additional guests travelling on the same reservation; not valid for companions when travelling on a group booking (10+ guests on the same reservation). Eligible memberвЂ™s 9-digit WestJet Rewards ID must be on the reservation at the time of check-in. Valid on itineraries marketed and wholly operated by WestJet; not valid when travelling with WestJetвЂ™s code-share or interline partners. Size and weight of baggage must comply with WestJetвЂ™s standard checked baggage allowance. Any piece of baggage exceeding the size or weight allowance is subject to all applicable oversized weight and size restrictions and fees. More details . May only be used as described and has no monetary or other exchange value.

4) WestJet dollars can be used towards payment of the base fare of an eligible flight or vacation package, available on westjet or through WestJetвЂ™s contact centre. WestJet dollars cannot be applied against taxes, fees or charges and can only be used for new bookings. Minimum redemption rules apply and may vary. Other restrictions may apply and are subject to change at any time. Full details available at westjet/redeem . All terms, conditions and restrictions applicable to WestJet Rewards are established by WestJet and shall apply to all bookings, travel arrangements and other services offered or provided by WestJet. WestJet, not Royal Bank of Canada, is responsible for WestJet Rewards.

5) Under 65 years of age, 15 days of coverage. For age 65 and over, 3 days of coverage. Coverage underwritten by RBC Insurance Company of Canada.

6) Coverage underwritten by RBC Insurance Company of Canada.

7) Coverage underwritten by Aviva General Insurance Company in the province of Quebec and by RBC Insurance Company of Canada in the rest of Canada.

8) Coverage underwritten by Aviva General Insurance Company.

All insurance is subject to limitations and exclusions. Please refer to the insurance certificates included in your Welcome Kit for complete details.

9) The Concierge Service (вЂњServiceвЂќ) is being provided as a benefit to World Elite Mastercard cardholders. The goods and services cardholders request or otherwise choose to obtain through the Service are provided by various third party service providers unrelated to RBC. RBC does not endorse, review or qualify these service providers. RBC makes no representations or warranties (either express or implied) about, and assumes no responsibility or liability for, these service providers or the goods and services that may be obtained through the Service. Royal Bank of Canada is not responsible for any claims or damages arising from the use of any benefits or services provided by a third party. RBC cannot guarantee the successful fulfillment of cardholdersвЂ™ requests in all instances. There is no fee for the Service, however cardholders are responsible for the cost of any goods or services (including any related fees or costs) authorized by the cardholder and purchased by the Service on the cardholderвЂ™s behalf. All costs will be charged directly to the cardholderвЂ™s World Elite Mastercard card. RBC is not responsible for the Service. RBC reserves the right to modify or cancel this benefit at any time and without notice.

10) Mastercard Airport Experiences, provided by LoungeKey, are being provided as a benefit to cardholders with eligible and valid World Elite Mastercard cards. Each eligible World Elite Mastercard cardholder is entitled to a complimentary membership to LoungeKey Airport Lounges (as long as they remain a World Elite Mastercard cardholder). Access to participating LoungeKey Airport Lounges is at the cost of US$27 per person (subject to change), per visit, and lounge access charges will be billed to the World Elite Mastercard card connected to cardholderвЂ™s LoungeKey membership. To view a full list of participating LoungeKey Airport Lounges, their facilities, opening times and restrictions cardholders can visit airport. mastercard . By using this service, you agree to all LoungeKeyвЂ™s terms and conditions, including privacy and security policies available at airport. mastercard . These policies may be amended and/or updated at any time and without notice. RBC is not responsible for any claims or damages arising from use of LoungeKey Airport Lounges. RBC is not responsible for this benefit. RBC reserves the right to modify or cancel this benefit at any time and without notice.

В® /™ Trademark(s) of Royal Bank of Canada. RBC and Royal Bank are registered trademarks of Royal Bank of Canada.

вЂЎ Petro-Canada and Petro-Points are trademarks of Suncor Energy Inc. Used under licence. All other trademarks are the property of their respective owner(s).

вЂ Exclusive of cash advances, interest charges, fees and less any credits, returns or adjustments.

++ All rewards are subject to availability. Point redemption values may fluctuate. Reward shipping (by basic prepaid delivery service), handling and taxes are included with your redemption. For complete terms, conditions and restrictions that apply to the RBC Rewards program, as well as for current point redemption values, please visit: rbcrewards or call 1-800 ROYALВ® 1-2 (1-800-769-2512).

1) Upon enrolment, 2,500 bonus points will appear on your first credit card statement.

2) Coverage underwritten by RBC Insurance Company of Canada.

3) Coverage underwritten by Aviva General Insurance Company.

4) Coverage underwritten by Aviva General Insurance Company in the province of Quebec and by RBC Insurance Company of Canada in the rest of Canada.

All insurance is subject to limitations and exclusions. Please refer to the insurance certificate(s) included in your Welcome Kit for complete details.

Still not sure?

Using My Card.

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خدمة الزبائن.

Download RBC Mobile App.

Compare Your Credit Cards.

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أسئلة مكررة.

2-Series Bank Identification Numbers.

Q: What are BINs?

A: Bank Identification Numbers (BINs) are fundamental to payments. They identify the issuing institution for each cardholder account and enable transactions to be properly routed. BINs are currently the first six digits of the account number.

Since the 1960s, Mastercard has been closely identified with the 51-55 BIN range.

Q: Who governs BINs?

A: The International Organization for Standardization (ISO), an independent, non-governmental international organization that develops voluntary global standards. The ISO/IEC 7812 standard defines an Issuer Identification Number (IIN), known as a BIN within the payments industry.

The American Bankers Association is the current registration authority that manages the BIN allocation process on behalf of ISO.

Q: Why are we talking about BINs?

A: The payments industry is more complex than ever. With new devices and technologies emerging in a connected world, the industry's finite supply of BINs is reaching current capacities.

The International Organization for Standardization (ISO) which has published ISO/IEC 7812 to define BINs, and the American Bankers Association which is the registration authority managing the numbers, has a limited supply of unused or unallocated numbers. So, the industry needs more BINs to manage industry growth. В.

Q: What is Mastercard doing to alleviate the limited supply of BINs?

A: To expand supply, Mastercard is rolling out an additional 50,000 six-digit BINs (222100-272099). This will effectively double the existing supply of Mastercard BINs - allowing merchants to accept millions more transactions and our issuers to continue to support business growth.

The 2-series BINs adhere to the current (2018 revision) ISO industry standard and will work exactly the same way as the 5-series BINs do today.

Q: When do changes go into effect?

A: Cards with 2-series BINs will be issued beginning in 2017.В.

In November 2018, Mastercard announced the required technical updates to add the 2-series BINs to its supply. The changes to support the new BINs need to be integrated into issuer, acquirer, merchant and processor systems by October 2018.

Mastercard will begin merchant field testing of the 2-series systems on June 30, 2017.

Q: How will the 2-series BINS impact merchants?

A: Merchants need to evaluate their systems with their acquirer or service provider. Based on that review, merchants may need to make updates to be able to accept transactions with the 2-series BIN range.

Q: How will the 2-series BINs impact issuers?

A: Issuers will need to upgrade their systems to be compatible with 2-series BINs, but all systems should be analyzed to determine if any additional changes are required. В Software providers may have updates available, and internally developed solutions may require enhancements.

Q: How will the 2-series BINs impact service providers and vendors?

A: Service providers and vendors will need to work with their acquirer partner to upgrade their systems to be compatible with 2-series BINs. В.

Q: How will the 2-series BINS impact acquirers?

A: Acquirers will need to upgrade their systems to be compatible with 2-series BINs. В.

Q: What other changes may impact BINs in the future?

A: The industry is considering a move to a new 8-digit BIN standard and is discussing an appropriate implementation date. If adopted, it would require more extensive systems planning and upgrades.

Mastercard is working with a committed group of industry participants to ensure all voices are heard in establishing the most efficient standard for continued industry growth. В.

Q: Who can I contact at Mastercard with questions related to the 2-series BINs?

A: If you have a dedicated Mastercard representative, you may first contact that individual. Alternatively, you can send an email to BIN_Inquiries@mastercard. В.

Q: How can I test my Point of Sale terminal?

A: Merchants should work with their acquirer or service provider to determine whether updates are needed to accept 2-series BIN transactions. В.

Merchants who would like to request 2-series test or production cards can emailВ 2series_test_cards@mastercard.

Apply for a Mastercard.

Q: How do I apply for a Mastercard?

A: Mastercard has created anВ online toolВ to assist in making decisions about which card products are available.

Q: Questions not answered here?

A: If your question is not listed, we recommend that you contact the financial institution that issued your account as only they hold information specific to your account. Typically, there is a customer service number for your financial institution on the back of the card. You can always contact the Mastercard Assistance Center either toll free at 1-800-627-8372В or collect at 1-636-722-7111. If you believe that your question can only be answered by Mastercard, В click hereВ to submit your question.

أجهزة الصراف الآلي محدد.

Q: How do I use the ATM locator?

A: In theВ ATM locator, enter a city, or a zip code. You can further narrow down the list of ATMs by providing a street address and a financial institution's name, and by checking off any additional criteria you require such as 24-hour access. Click the Search button, and you will be presented with a list of ATMs located near your destination. Click on a specific ATM for further information about its location. Depending on your destination, driving directions and a map may also be available.

Q: Why can't I locate ATMs in a specific country?

A: Mastercard receives ATM location information from financial institutions. If an ATM location or a specific country is not listed, then information is not available. We continue to work with financial institutions to provide you with the most up to date and accurate ATM location information.

You may want to contact the financial institution that issued your card for assistance concerning ATM locations, personal account withdrawal limits and restrictions, local currency cash advances, currency conversion, exchange rates or other services offered. You will find their contact information on the back of your Mastercard and on your billing statement. Or you can visit the financial institution's Web site.

Q: I don't know my password or my PIN. How can I get this information?

A: For information about your PIN or account, you must contact the financial institution that issued your card. You will find their contact information on the back of your Mastercard and on your billing statement. Or you can visit the issuer's Web site to manage your account online.

Q: What is the fee for withdrawing money or taking a cash advance from an ATM?

A: Mastercard does not determine ATM fees. Any fees charged by the ATM owner are disclosed at the time the transaction is initiated. At that time, you are given the option to discontinue the transaction if you do not wish to pay the fees. You should also check with the financial institution that issued your card to determine their ATM fee policies. You can find your issuer's contact information on the back of your Mastercard and on your billing statement. Or you can visit the issuer's Web site.

Q: The ATM wouldn't accept my card. ماذا علي أن أفعل؟

A: If you have a problem using your card at an ATM that carries the Mastercard, Maestro or Cirrus brand mark, we will investigate. Please provide as much of the information below as you can:

Your financial institution and any brand marks on your card All brand marks on the ATM The address of where the ATM is located, including City, State/Province and Country/Territory ATM financial institution name (identified on the ATM)

When you have the information handy, call 1-800-Mastercard (1-800-627-8372).

Q: How can I get a list of ATM locations if I don't have internet access?

A: The Mastercard ATM network is only a phone call away, giving you access to cash wherever you go.

United States & Canada - 1-800-4CIRRUS (1-800-424-7787) Outside the United States & Canada - В Get Contact Numbers.

Q: Can I use my prepaid card, gift card or credit card at an ATM?

ج: نعم. You may withdraw cash against the balance on most Mastercard prepaid and gift cards at any ATM. However, not all prepaid and gift card issuers allow ATM or foreign transactions. Be sure to check with your card issuer to ensure that these types of transactions are permitted. Most Mastercard credit cards also allow you to obtain cash advances at an ATM. You will need a Personal Identification Number (PIN) to withdraw cash. You can find your issuer's contact information on the back of your Mastercard and on your billing statement. Or you can visit the issuer's Web site.

Q: I've forgotten the PIN for my ATM card. How can I retrieve it or get a new one?

A: You must contact the financial institution that issued your card to retrieve or reset your PIN. You can find their contact information on the back of your Mastercard and on your billing statement. В.

Q: How can I get a replacement for a lost or stolen ATM card?

A: We'll help you replace your lost or stolen ATM card no matter where you are. Call the Mastercard Assistance Center with any card-related need from anywhere in the world.

Q: Questions not answered here?

A: If your question is not listed, we recommend that you contact the financial institution that issued your account as only they hold information specific to your account. Typically, there is a customer service number for your financial institution on the back of the card. You can always contact the Mastercard Assistance Center toll free at 1-800-627-8372В or 'Collect' by dialing 1-636-722-7111. If you believe that your question can only be answered by Mastercard, В click hereВ to submit your question.

Q: How can I direct my customers to the closest ATM that will let them get cash with their Mastercard?

A: Mastercard cardholders have access to more than one million ATMs around the world. You can direct your customers to theВ ATM LocatorВ tool to find the locations nearest them.

Q: Can I pay my billers who accept Mastercard directly from this site?

A: No. To pay a bill, please visit your biller's Web site for instructions on how to provide payment to them.

Q: Do I have to pay a fee for bill payment using a Mastercard?

A: Mastercard does not charge a fee for bill payment. While most service providers do not charge a fee, be sure to ask if they charge any fees or have any restrictions associated with making a payment using your Mastercard.

Q: How do I pay a bill with a Mastercard?

A: Please contact your biller to make an electronic payment. Many provide this payment option through their Web sites or by phone. В.

Q: How often can I make automatic bill payments, and when do bills get paid?

A: Automatic bill pay is an arrangement you make with your selected biller or service provider(s), so you will need to contact each directly to arrange payment amounts and scheduling. В Each biller has its own procedure for automatic bill payment. В.

Q: Is there a limit to the number of automatic bill payments I can have on a Mastercard?

A: No, but you may be limited in making overall charges to your Mastercard account if doing so would cause you to exceed your credit limit.

Q: Who issued my card?

A: You will find your card issuer's contact information on the back of your Mastercard and on your billing statement.

Q: Which cards can I use to pay bills?

A: You can use a credit or debit card that bears the Mastercard logo. We recommend that you confirm with each biller to ensure that it accepts your card as a form of payment.

Q: What is automatic bill payment?

A: Automatic bill payment can help you avoid late fees and charges by allowing your selected service providers to automatically charge your Mastercard account on a regular basis.

Q: What is manual bill payment?

A: With manual bill payment, you have the freedom of selecting the amount to pay and the date on which you want to make payment. Each time a bill is due, you initiate the payment process.

Q: If I enroll in automatic bill payment, will I continue to receive a bill?

A: Automatic bill pay is an arrangement you make with your selected service provider(s), so you will need to contact each directly (by phone or online) to arrange payment amounts and scheduling. В Most billers continue to mail a bill indicating the total amount they will charge. However, some providers may allow you to elect to receive an online bill or no bill at all. At the time you initiate an automatic bill payment relationship, you should determine how the provider will bill you.

Q: What information will the service provider/biller request?

A: Bill pay is an arrangement you make with your selected service provider(s), so you will need to contact each provider directly to arrange payment amounts and scheduling.

Typically, the biller will ask for your Mastercard account number and the expiration date. For automatic bill payment, the biller may also require the payment amount it is authorized to automatically charge, and the specific date you wish to be charged each month.

Note: Not every service provider/biller will allow you to choose this date. And, some service providers may require additional information, such as your signature.

Q: What if my Mastercard account information changes?

A: Your Mastercard account information may change due to a lost or stolen card, expiration date change or an upgrade to a new product. To prevent an interruption in service, you must contact each biller and give them your new account information. We recommend that you keep a list of the billers that you pay automatically so you can efficiently update this information when necessary.

Q: What if I want to stop an automatic bill payment?

A: Contact the biller with whom you've set up the automatic bill payment, and follow their procedures to cancel or change the method of payment.

Q: What if I don't agree with a payment amount made to a biller/service provider on my Mastercard statement?

A: It is recommended that you review the paper or electronic bill that your biller provides prior to any payment being made with your Mastercard. However, if there is an error or question about a payment billed to your card, contact your biller immediately to resolve payment discrepancies.

As a Mastercard cardholder, you are not responsible for unauthorized purchases charged to your account. Learn more about ourВ Zero Liability*В coverage. Exceptions apply.

Q: What are the benefits of bill payment using a Mastercard?

A: Using your Mastercard is much faster and more convenient than writing checks. You can initiate payments at anytime and from anywhere in the world. Charges will appear on your monthly statement, so it is an easy and efficient way to stay organized and keep track of your expenses. In addition, if В you use automatic bill payment you won't have to worry about missed payments or late fees. Depending on the card you use, you may also be able to earn rewards.

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Q: What card benefits and insurance are provided at no cost to me with my Mastercard?

A: Mastercard provides many different features and benefits that vary depending on the specific card you use. To learn more about your card benefits, please contact the Mastercard Assistance Center at 1-800-627-8372В or 'Collect' by dialing 1-636-722-7111.

Q: What happens if I lose an item that I purchased with a Mastercard?

A: If you lost an item that you paid for in full with your Mastercard, you may be eligible for replacement or reimbursement. Mastercard provides many different features and benefits that vary depending on the specific card you have. To learn more about the benefits offered by your card, please contact the Mastercard Assistance Center at 1-800-627-8372В or 'Collect' by dialing 1-636-722-7111.

Q: What rental car insurance does Mastercard provide when I rent a car using a Mastercard?

A: Rental insurance differs by location and varies based on the specific card that you have. Please contact the Mastercard Assistance Center either toll-free at 1-800-627-8372В or collect at 1-636-722-7111.

Q: How can I find out more about my card benefits?

A: Mastercard provides many different features and benefits that differ depending on the specific card that you have. To find out the benefits offered by your card, please contact the Mastercard Assistance Center either toll-free at 1-800-627-8372В or collect at 1-636-722-7111.

Q: How do I file a claim for card benefits?

A: Please call the Mastercard Assistance Center toll-free from the U. S. at 1-800-627-8372В or you can call "collect" by dialing your local operator from most countries to 1-636-722-7111.

Q: Questions not answered here?

A: If your question is not listed, we recommend that you contact the financial institution that issued your account as only they hold information specific to your account. Typically, there is a customer service number for your financial institution on the back of the card. You can always contact the Mastercard Assistance Center either toll-free at 1-800-627-8372В or collect at 1-636-722-7111. If you believe that your question can only be answered by Mastercard, В click hereВ to submit your question.

Card Breach.

Q: How can I get the name of the merchant where my card account was compromised?

A: Mastercard appreciates the concern and diligence you are taking to protect your finances as it relates to credit cards and the inquiry regarding a card account breach that has impacted you directly. We take each card breach occurrence very seriously and work closely with investigative agencies. Additionally, Mastercard has increased penalties to processors to help ensure each of these companies protects cardholder data with extreme care and diligence.

Cash with Purchase.

Q: вЂЇWhat is cash with purchase?

A:вЂЇ Cash with purchase is a service offered by select retailers that allows consumers to get cash from their debit card when making a purchase.

Q:вЂЇ Where can I find retailers that will enable me to get cash back with purchase?

A: вЂЇClickВ here to find retailersВ that will enable you to get cash back when you make a purchase with a Debit Mastercard.

Q:вЂЇ Do I need to use my debit card to get cash back?

A: вЂЇYes, since the funds are drawn from your account that is linked to your debit card, this service is only available when using a debit card.

Q:вЂЇ вЂЇIs there a fee for this service?

A:вЂЇAlthough the majority of retailers do not charge for this service, there are some locations that charge a fee.

Q:вЂЇ What is the advantage of getting cash at purchase?

A:вЂЇ Cash with purchase is a convenient way to quickly and easily get cash from your account while shopping at your favorite retail locations, saving you a trip to the ATM. And, in most cases, there is no fee for this service whereas you may be required to pay a fee at the ATM. В.

Q:вЂЇ Is there a maximum amount of cash I can get with my purchase?

A: вЂЇThe amount of cash available may vary by merchant and may be subject to availability of funds at the time of purchase. If you have questions about the availability of funds at a particular merchant, please contact the merchant directly. Cash with purchase amount is also subject to availability of funds in the account that is linked to your debit card.

Q:вЂЇ What search filters are available on the cash locator tool?

A: You can search for merchant locations that offer cash with purchase either by merchant name or category including: apparel, automotive, convenience stores, restaurants, gas stations, transportation and many more. To access the tool, В click here.

Q: What is an EMV chip card, and how can this technology help my business?

A: The EMV chip card is a card embedded with a computer chip. They are simple to use and accept, and give cardholders increased convenience and security. These cards can even keep track of purchases, offering retailers and service providers marketing opportunities.

Q: Are chip cards new?

A: Although chip cards are relatively new in the United States, they have been used elsewhere for many years. In some countries, particularly in Europe, merchants may be more familiar with accepting chip cards. В.

Q: How is a chip card different from a magnetic stripe card?

A: A chip card looks just like a traditional card but it has an embedded chip. Rather than swiping your card, you insert your chip card into the terminal to complete the transaction. Your card may also have contactless capabilities so you can tap your card at checkout when given the option.

Q: What are chip cards?

A: A chip card is like the card you have today, but includes an embedded microchip. The chip contains information that is encrypted making it extremely difficult for the card to be copied or counterfeited. Your chip card will also have a magnetic stripe on the back, so that you can continue using your card while merchants are transitioning to new chip-enabled terminals.

Q: What are the benefits of chip?

A: The embedded microchip provides robust security features and other capabilities that are not possible with traditional magnetic stripe cards. A chip card is virtually impossible to counterfeit.

Q: Where can I use my chip card?

A: Use your chip card at the same merchants you do now -- either by inserting the card into terminals that are chip-enabled or swiping your card. You can also continue to use your card as you did before for online payments, telephone payments and at ATMs.

Q: Who do I contact if I want more information?

A: For more information about your chip card, please contact your financial institution.

Q: Why is my card being upgraded to a chip card?

A: Chip cards are being introduced in the United States after much success in other parts of the world. Your new chip card provides added security.

Q: What's my PIN?

A: The PIN on your chip card is the same PIN as on your previous card. If you forgot your PIN or want to change it, please contact your financial institution.

Q: How does chip work?

A: Whether your card is inserted in the terminal or tapped, the chip communicates with the terminal to determine whether the card is authentic. Typically, the terminal will prompt you to enter a PIN to validate your identity. Once approved, your transaction will be complete.

Q: How do I know if my chip card has Mastercard contactless?

A: Cards that have contactless capabilities will have the word "contactless" and may also have a contactless symbol on the card. You can tap to pay at merchants that have the following symbol orВ contactless В on the terminal:В В В.

If a merchant does not have this functionality, you will need to insert your chip card into the terminal and enter your PIN.

Q: Why does my credit card have a PIN?

A: Your credit card has a PIN in order to provide you with the latest security features. By entering your PIN, you validate that you are the authorized user of the card. You will not be charged a fee to use your PIN unless you are using your credit card to get a cash advance at the ATM.

Co-Branded Cards.

Q: What is a co-brand card program?

A: A co-brand program is a partnership that brings together Mastercard, a Mastercard-issuing financial institution and a suitable partner company wishing to grow its business. The three parties work together to create a card program that is then marketed to the partner company's customer base. A co-brand card is a form of payment that offers added value to the partner's customers.

Q: What kinds of businesses have successful co-brand programs?

A: Many different industries have successfully implemented co-brand programs including airlines, gas companies, automotive companies, warehouse clubs and supermarkets. One thing these companies have in common is a growing base of customers who purchase products or services on a recurring basis.

Q: Who is responsible for promoting a co-brand card?

A: The level of support provided and the degree of responsibility for designing and implementing the solicitations and card promotions will depend on the agreement reached between the partner and the card issuer. Mastercard has many different levels of support and expertise available to help a company market its co-brand card and grow its business.

Q: What does a Mastercard co-brand card look like?

A: Mastercard rules permit the partner's logo to be a dominant feature on the face of the card. The cards also carry the Mastercard logo and must conform to certain Mastercard design standards. The name of the Mastercard issuing financial institution may appear, but it is not required. This and other card design details will be determined by the partner and the card issuer.

Q: How do I find an issuer for a co-brand alliance?

A: The first place to begin is with a bank or financial institution with which your company already has a relationship. Or, Mastercard can provide a list of potential financial institutions from among the thousands we have done business with over the years.

Q: What role does Mastercard play in developing a co-brand program?

A: That depends on the goals and budget of the partner company. However, Mastercard has a dedicated staff of highly experienced co-brand specialists who can help a company evaluate and establish a co-brand partnership that will meet the objectives of all parties involved.

Contactless.

Consumer FAQs.

Q: What is Mastercard contactless?

A: Mastercard contactless is like having exact change wherever you go. A simple tap of your card, key fob or smart phone is all it takes to pay at checkout.

Q: Why should I use contactless?

A: There are many benefits to contactless payments:

It's like having exact change wherever you go, so you don't have to worry about carrying around cash or fishing for coins. You are in control because your contactless-enabled card or device never leaves your hand at checkout. You get better record keeping of all your purchases than you do when using cash. It's fast and ideal at places where speed is essential, like stadiums, fast food restaurants, gas stations and more.

Q: Where can I make contactless payments?

A: Anywhere you see the contactless symbolВ at checkout В you can simply tap to pay. This includes fast food restaurants, gas stations, convenience stores, pharmacies, stadiums and more.

If you don't see the symbol, your contactless-enabled card can still be used by inserting your chip card or swiping at checkout.

Q: How do I pay with Mastercard contactless?

A: To make a purchase, simply tap your Mastercard contactless card, key fob or smart phone on the payment reader at the checkout of participating retail locations.

Q: Can I use my contactless card or device on payment readers that don't display the contactless logo?

A: You can make contactless payments on any contactless payment reader that displays this symbolВ . You may also use contactless cards in magnetic stripe readers by swiping the card. However, you cannot use a contacless key fob or smart phone in a magnetic stripe reader.

Q: How close does the "tap" have to be to the checkout reader?

A: Typically, when you tap your card/device at checkout, it must be within an inch or two of the contactless symbol on the terminal at the counter. Please note that if you have more than one contactless card in your wallet, you should remove the specific card you would like to use rather than tapping your wallet against the reader.

Q: How will purchases appear on my monthly statement?

A: Purchases made with contactless will be displayed on your statement just like any other purchase you make with a card.

Q: How does it work?

A: ContactlessВ uses a hidden embedded computer chip and radio frequency antennae. After you tap your contactless card or device at checkout, payment details are sent wirelessly to the Mastercard network. If using a mobile phone, moments after you tap, you'll receive payment confirmation and be on your way.

Q: What is a key fob or payment tag?

A: A key fob or payment tag is a special contactless device that you can attach to your key chain. Card issuers sometimes provide this as a companion to your traditional primary Mastercard plastic card. В.

Q: Do I have to treat my Mastercard contactless card or device in any special way?

A: Treat your contactless card or device as you would any other credit, debit or prepaid card. Always know where your contactless card or device is and keep it in a safe place. And be sure to keep a record of all of your card numbers, expiration dates and emergency phone numbers.

Q: Is there a battery?

A: No, there is no battery.

Q: Do I need to turn it on/off?

A: If you have a contactless-enabled mobile phone, you can turn it on or off. If you are using contactless card or fob, it is always on and ready to use.

Q: Is it safe?

ج: نعم. Contactless payments provide secure encryption technology andВ Zero LiabilityВ protection and are as safe as your regular card.

You are in control вЂ“ your contactless-enabled card or device never leaves your hands to make a payment No accidental payments вЂ“ your contactless-enabled card or device must be close to the reader at checkout to work Not billed twice вЂ“ even if you tap more than once at checkout, you'll only get billed once for your purchase.

Q: Why aren't signatures required?

A: To ensure that using contactless is as simple and convenient as cash, merchants that accept contactless do not require you to sign for small purchases ($50 or below). However, for your protection, purchases over $50 generally require a signature or PIN.

Q: What do I do if my contactless card or device has been lost or stolen?

A: If you have lost your card or suspect unauthorized activity on your account, contact the financial institution that issued your card immediately. If you don't know your card issuer's number, contact Mastercard and we will assist you in finding that information.

Q: Questions not answered here?

Merchant FAQs.

Q: What is Mastercard contactless?

A: Mastercard contactless is like having exact change wherever you go. A simple tap of your card, key fob or smart phone is all it takes to pay at checkout.

Q: How does it work?

Q: How will accepting Mastercard contactless benefit my business?

A: Contactless acceptance is proven to bring many benefits for merchants including:

Faster check-out Promotes higher average spend Reduces costs related to cash handling Enables POS for mobile NFC and new digital payment devices like wearables.

Q: What type of merchants can benefit the most from contactless acceptance?

A: Contactless acceptance is an excellent choice for any merchant, especially in environments where speed and convenience are valued or where cash is currently the dominant payment method. Examples include fast food outlets, supermarkets, quick-service restaurants, drive-thrus, convenience stores, vending machines, tollbooths, taxis, parking venues, fuel pumps and public transportation.

Q: Is Mastercard contactless secure?

A: Yes, Mastercard contactless transactions are processed through the same financial payments network that processes billions of Mastercard magnetic stripe and chip card transaction each year.

Mastercard contactless security mechanisms are designed to:

Protect against counterfeit cards. Implement an efficient anti-replay mechanism for contactless transactions. Limit the impact of fraudulent capture of contactless data by fraudsters across all environments.

Even if the customer happens to tap twice by mistake, the technology ensures that consumer is bill once.

Q: Is it possible to make refunds to a contactless card, form factor and mobile phone?

A: Yes, itвЂ™s possible to issue a refund to customers by tapping the contactless payment device in the same manner as making a purchase. Please follow your storeвЂ™s refund policy.

Q: Does contactless payment acceptance change the payment guarantee for the merchant?

A:В No, if a contactless payment is authorized, online or offline, the merchant still receives a payment guarantee, even for transactions below the contactless CVM limit with no cardholder verification.

Q: What are the costs involved?

A:В Cost will vary depending in the selected solution. To accept contactless payments, merchants can choose to implement a plug-in peripheral reader or a fully integrated POS or Stand-alone POS system.

Q: How is accepting mobile payments different than accepting cards?

A:В To the cashier, mobile payments will look like contactless card payment; except the customer may verify their Mobile PIN, biometric or pattern recognition on the mobile device.

Q: How does the payment verification process work for contactless?

A: For transactions up-to the country established contactless cardholder verification limit, no PIN or signature is required for cards and form factors. For purchases above this limit, PIN code or signature is required. В For a purchase conducted with a mobile phone, the consumer will normally authenticate themselves on the mobile device with a Mobile PIN, biometric or pattern recognition.

Q: How would a customer know that contactless payments can be made at a location?

A:В The point of sale (POS) reader must display the contactless acceptance symbol . Many merchants display POS signage highlighting contactless acceptance as well. В.

In addition, within two months of a merchantвЂ™s first Mastercard contactless transaction, the merchantвЂ™s name and address should appear on the Mastercard Contactless Locator website and the Mastercard Nearbyв„ў app.

Q: Could customers unknowingly make a purchase if they walk past the reader?

A:В No, you have to activate the terminal first and theВ cashier must enter the payment amount to activate theВ contactless terminal. In addition, the card or device has toВ be held within 2 cm (1 inch) of the terminal.

Q: Does the merchant need to print a receipt for all contactless transactions?

A:В No, youвЂ™re not required to print a receipt for low value transactions unless your customers asks for a receipt.

Q: What is the transaction limit for Mastercard contactless cards?

A:В Contactless payments should be accepted for all amounts, the same as traditional card payment.

Q: What if the cash register doesnвЂ™t respond?

A:В Try these troubleshooting steps:

Make sure the terminal and adaptors are all turned on and plugged in. A light, wording or graphics on the screen should indicate the terminal is turned on. If your terminal is a non-integrated terminal with a separate contactless reader, make sure that the contactless reader is lit up after the transaction is registered. The light may not turn on before then. Register the transaction again as you would for a card transaction and ask your customers to tap again. Make sure their card/device is within 2 cm (1 inch) from the terminal and you hear a beep or see a change in the light. If your terminal is still not responding, contact the terminal manufacturer or distributor. В.

Q: How does Mastercard contactless technology work for mobile devices?

A:В At checkout, your customers will need to follow the prompts on their device (this varies depending on the type of device) and then simply tap their device correctly over the terminal. When paying with a mobile phone, your customer normally authenticate themselves on the mobile device with a PIN, biometric or pattern recognition.

Currency Conversion.

Q: Where can I find exchange rate information?

A:В In order to provide easy access to exchange rate information, Mastercard has created a tool using multiple market sources (such as Bloomberg, Reuters, Central Banks and others).В.

Q. What is the currency rate for a country I am visiting?

If you would like to know what the latest currency exchange rate is for the country you are visiting, please visit our website for theВ latest currency exchange rates.

Q: How is currency conversion charged to my account?

A: We recommend that you contact the financial institution that issued your card to determine the currency conversion charges that are applied to foreign transactions. Typically, there is a customer service number on the back of each card. You can always contact the Mastercard Assistance Center either toll-free at 1-800-627-8372В or collect at 1-636-722-7111.

Q: I made a purchase in my local currency, so why was I charged a currency conversion fee?

Q. A merchant did not give me the choice of currency for my payment. ماذا علي أن أفعل؟

Thank you for your feedback and weвЂ™re sorry you had a bad experience at a merchant that accepts Mastercard. В Mastercard investigates all complaints of deceptive merchant practices. В Should you wish to speak with someone directly regarding this communication, feel free to contact us atВ POI_Currency_Conversion@mastercard. В.

Q. How can I report an excessive charge for currency conversion?

Q: Questions not answered here?

A: If your question is not listed, we recommend that you contact the financial institution that issued your account as only they hold information specific to your account. Typically, there is a customer service number for your financial institution on the back of the card. You can always contact the Mastercard Assistance Center either toll-free at 1-800-627-8372В or collect at 1-636-722-7111. If you believe that your question can only be answered by Mastercard, В click hereВ to submit your question.

Q: What is the GDPR?

A: In Spring 2018, a new legal framework for collecting and processing personal data was adopted in the EU вЂ“ the General Data Protection Regulation (вЂњGDPRвЂќ) вЂ“ which will enter into force on 25 May 2018. The GDPR will replace the current data protection regime in Europe (the EU Data Protection Directive 95/46/EC and any Member State implementing legislation), with new and enhanced requirements for companies. В For more information about GDPR, please visit https://eugdpr/.

ابدء.

Q: How do I contact Mastercard Customer Operations Support?

A: Customer Operations Support can be reached atВ Customer_Support@mastercard.

Q: How do I begin accepting Mastercard?

A: It's easy to get started. The first step is to contact an acquirer or a payment services provider to apply for a merchant account with a bank or one of its agents. В.

Q: How can I accept e-Commerce payments?

A: Many payment service providers can assist you in accepting e-commerce payments. In fact, many providers can also help you create a Web site, add a shopping cart function and enhance the security of your site and transactions.

Q: How can I download the Mastercard brand mark for use on my Web site?

A: Electronic versions of the Mastercard brand mark are available from theВ Mastercard Brand CenterВ for download.

Q: Questions not answered here?

A: If your question is not listed, your best option is to contact the financial institution that issued your account as only they have your account specific information. Typically, there is a customer service number for your financial institution on the back of each card that you can call. You can also always contact the Mastercard Assistance Center either toll free at 1-800-627-8372В or collect at 1-636-722-7111 and we can direct you to your issuer.

Or mail a letter to:

Mastercard International Incoporated.

2000 Purchase Street.

Purchase, NY 10577.

Q: How can I apply for a Mastercard?

A: If you already have a deposit account with a bank or credit union, you might want to contact them first to see if they can provide you with a Mastercard. If you do not currently have a relationship with a financial institution or would like to get offers from various issuers, Mastercard has created anВ online toolВ to assist in making decisions about which card products are available. В.

Q: Are there any programs that will help to grow my business?

Q: How does the payment process work?

Q: What are the benefits of accepting Mastercard?

A: Whether you're a new or established business, card acceptance can have a positive impact on your bottom line. Here are just a few of the many benefits:

Q: How do I start accepting card / digital payments?

Q: What's the difference between an acquirer and a payment facilitator?

A: A payment facilitator is a merchant of record who facilitates transactions on behalf of a sub-merchant. An acquirer is the bank or financial institution that processes credit and/or debit payments for a merchant.

Q: What's an acquirer and why do I need one?

A: Also referred to as a merchant bank, an acquirer is a financial institution that is licensed by Mastercard to help a merchant accept Mastercard payments. Acquirers either sell their processing services directly to merchants or hire agents to sell on their behalf. These agents must be registered with Mastercard and clearly identify the Mastercard issuing bank that they represent on their business cards and stationery. The merchant agreement should also clearly identify the name of the bank.

Q: What's an interchange rate?

A: Interchange rates are fees paid by acquirers to card issuers on purchase transactions conducted on payment cards. They are only one of many cost components included in a Merchant Discount Rate. Mastercard establishes its interchange rates, which are a necessary and efficient method by which Mastercard maintains a vibrant payments network.

Q: Who do I call if I have a problem with my point-of-sale terminals?

A: Contact your acquirer or payment facilitator if you have a question related to your terminals.

Q: Will I incur any cost to accept payments?

A: Your acquirer/payment facilitator will provide you with information about costs.

Law Enforcement Inquiries.

Q: I work in law enforcement and I'm investigating a fraud case, who can I speak with?

A: Please email our Law Enforcement Support Center atВ Law_Enforcement_Support@mastercard. Please do not include full card numbers in email; provide only the first 6-digits of the card number. We will respond to your inquiry within 48 business hours.

Please also be advised that Mastercard does not maintain accounts or establish individual customer relationships with cardholders. While banks ad financial institutions do issue cards branded with the Mastercard name and mark under a license from Mastercard, the actual relationship with a cardholder is solely that of the issuing institution. As a result, any account information is maintained by the bank or financial institution that issues the Mastercard card, and it is the bank or financial institution that also provides periodic statements, disclosures and communications to the cardholder.

Logo Artwork.

Q: Where can I get Mastercard logos?

Downloadable logo artwork and usage guidelines are available at theВ Mastercard Brand Center. You may also order decals from the Brand Center.

Lost or Stolen Card.

Q: I no longer have my Mastercard, how do I report the card as lost or stolen?

A: A Mastercard representative will be able to assist you in filing a lost or stolen card report. Please contact the Mastercard Assistance Center either toll-free at 1-800-627-8372В or collect at 1-636-722-7111. You should also contact the financial institution that issued your Mastercard.

Q: What liability do I have for unauthorized purchases made on a lost or stolen Mastercard?

A: If Mastercard Zero Liability protection applies to your Mastercard, once you report your card to Mastercard as lost or stolen, no unauthorized charges should be posted to your account in most situations. We recommend that you review the next two billing statements after you report a lost or stolen card to ensure that no unauthorized transactions have been posted. В If you see unauthorized transactions, please promptly contact the financial institution that issued your card. Typically, there is a customer service number for your financial institution listed on the back of the card or on your billing statement. You can also contact the Mastercard Assistance Center either toll-free at 1-800-627-8372В or collect at 1-636-722-7111.

Q: How can I get a replacement card?

A:В Mastercard can assist you in receiving a replacement card by working with the financial institution that issued your card. Replacement cards require that your financial institution authorizes a new account number. To request an emergency card replacement, please contact the Mastercard Assistance Center either toll-free at 1-800-627-8372В or collect at 1-636-722-7111.

Q: Questions not answered here?

A: If your question is not listed, we recommend that you contact the financial institution that issued your account as only they hold information specific to your account. Typically, there is a customer service number for your financial institution on the back of the card. You can always contact the Mastercard Assistance Center either toll-free at 1-800-627-8372В or collect at 1-636-722-7111. If you believe that your question can only be answered by Mastercard, В click hereВ to submit your question.

Q: Lost or stolen card?

A: Whether you're the victim of credit card theft, have lost your card or just need help locating anВ ATM, we're here to assist you 24 hours a day, 365 days a year. Call to speak with a representative regarding:

Lost or stolen cards Emergency replacement cards Emergency cash advances How to locate an ATM that accepts Mastercard, Maestro and Cirrus brands Questions about applicable card benefits.

In the United States: 1-800-Mastercard (1-800-627-8372)

Click hereВ for a list of all emergency contact numbers.

For countries not listed in our directory, you can call the following number collect to the United States:В 1-636-722-7111.

Mastercard Nearby.

Q:вЂЇ What is Mastercard Nearby?

A:вЂЇ Mastercard Nearby is a mobile app that helps you quickly and easily find places where you can get access to cash or make a purchase.

Q:вЂЇ On which mobile devices is Mastercard Nearby available?

A:вЂЇ Mastercard Nearby is available on the App store for iPhone and the Google Play store for Android phones, as well as the Windows phone store and the Windows store for a Windows PC or tablet.

Q:вЂЇ What type of locations can I find on Mastercard Nearby?

Find two million ATMs worldwide with 30 street level and 210 city level countries and territories Locate your own bank's ATMs to make a deposit or avoid transaction fees Find U. S. merchants that offer cash back at checkout when you make a purchase using your debit card Search for U. S. locations where you can get or reload a prepaid card Find out where you can use your contactless-enabled card or device to make a purchase. Apple Pay TM В enabled devices can be used at U. S. merchants wherever contactless is accepted.

Q:вЂЇ What are cash back locations?

A: вЂЇMerchants that offer consumers the capability to get cash from their debit card when making a purchase.

Q:вЂЇ How do I use the app?

A:вЂЇ It's simple; just select the services you want and the app will display locations near you--choose from list or map view. You can also search for locations by entering an address in the search field. Select a location to display information, share the location via e-mail or text and, depending on your location, get driving directions. You can also report a problem about a location from the app.

Q:вЂЇ What search filters are available?

A: You can search for ATMs by financial institution name or look for ATMs with the following features:

Drive-throughВ 24-Hour ServiceВ Wheelchair AccessibleВ No Surcharge - ATMs which participate in the Surcharge free alliance network and do not charge fees for cash withdrawal transactions No Access Fee вЂ“ ATMs which do not charge a fee for cards issued within the country Deposit Sharing вЂ“ Deposits can be made at any of these ATMs by cardholders of participating banks Bank ATM вЂ“ ATM located inside of a financial institution Chip Reader Enabled вЂ“ ATMs where credit and debit cards with chip and/or magnetic stripe can be used.

You can also search for participating Mastercard contactless and cash back merchants by merchant name or category including:

Apparel Automotive Convenience stores Restaurants Gas stations TransportationВ And many moreВ.

Finally, you can search for Mastercard rePower locations by method for reload of funds:

Card Swipe method, which allows you to load funds in stores by asking the cashier to swipe your card. MoneyPak or Vanilla Reload are reload packs that you can purchase and load funds onto your card by entering the voucher code online or by В phone. Western Union locations will ask you to fill out a form to initiate the load and an agent will load the funds onto your card.

Q:вЂЇ Do I need to have Location Services enabled in order to use the app?

A:вЂЇLocation Services must be turned on in your phone settings if you would like the app to find locations near you. If Location Services is not turned on, you can still search for a location by typing a street address into the Search bar.

Q:вЂЇ I am trying to find locations in a specific country or region, but I am not finding any. لما لا؟

A: вЂЇMastercard receives location information from financial institutions and directly from transaction data. If you do not receive any results in a particular country or region, the information is currently not available. We are continually working with financial institutions and merchants around the world to expand our location database and provide you with the most up to date and accurate location information.

Q:вЂЇ Why do all of the locations show up in the center of the city?

A: вЂЇWe are continually adding street level mapping capability in new regions and territories. Street level mapping refers to geographic regions where location coordinates can be provided to street level precision. In countries where street level mapping is not yet available, location coordinates are provided at the city or postal code center.

Q:вЂЇ Why aren't driving directions available for my region?

A: We are unable to provide driving directions in regions that do not have street level mapping capability.

Q:вЂЇ How can I find out how to navigate the app?

A:вЂЇ Walk through the tutorial when you install the app for the first time or view the tutorial at any time. To access it from within the app, go to About - View Tutorial.

Q:вЂЇ What is the All tab on the top slider bar?

A:вЂЇ When you select multiple services, by default you will be placed on the All view showing all services selected. If you wish to view only a single service at a time, use the top slider bar to move to a single service.

Q:вЂЇ What does a number pin on the map mean?

A: A number pin indicates that multiple services are available at a single location.

Q:вЂЇ Why am I not getting any results when I type an address in the search bar?

A: You may want to try putting in more address information such as street, city/town, state/province. You may also want to modify your radius in your settings to ensure you don't have too small or too large of a radius selected.

Q:вЂЇ Can I send location information?

A:вЂЇ Yes, locations can be shared from the location detail page by clicking on the share icon. You can send location information via email or SMS text.

Q:вЂЇ How do I find my own bank's ATMs?

A: Select ATM from the top slider bar and click the filter icon on the bottom bar. Then select the financial institution you want to search for from the drop-down list.

Q:вЂЇ How can I select specific merchants or categories?

A: вЂЇYou can filter merchants for contactless and cash back locations. Select cash back or contactless from the top slider bar and click the filter icon on the bottom bar. You can filter by merchant name or category.

Q:вЂЇ How do I report a problem with a location?

A:вЂЇ Go into the location details by clicking on a location from the map or list view. Select the report a problem icon. Select a pre-defined problem from the drop-down list or select other and enter a description of the problem.

Q:вЂЇ вЂЇCan I change my search radius?

A: Yes, you can select a radius between 1 to 25 miles or km in the app settings.

Mastercard Send.

Q: What is Mastercard Send?

A: Mastercard Send is a first-of-its-kind interoperable global platform that enables funds to be sent quickly and securely via three payment flows:

Disbursements - payments from governments, businesses, and non-profits to consumers Domestic P2P - payments between two consumers in one country Cross-border P2P - payments between two consumers in different countries.

Q: Which Mastercard Send flows are currently available in the U. S.?

A: The Mastercard Send API is available for Domestic P2P and Disbursements providers. Additionally, there is a Remittance API that can be used for providers looking to enable cross-border payments originating in the United States.

Q: Why is Mastercard offering these services?

A: In the U. S., Disbursements and P2P payments make up $4 trillion per year; most of these payments are made via checks, ACH transfers and cash. Currently, the methods for these payments are slow, lack ubiquity and create security concerns. Consumers want to be able to send and receive money using their connected devices regardless of where they bank and disbursers are looking for cheaper and more efficient ways to send money to their consumers. In line with Mastercard's vision to build a World Beyond Cash TM , Mastercard Send aims to make payments easier, safer and more efficient for all parties.

Q: How does a Send transaction work?

A: While most electronic P2P and Disbursements' solutions rely on slow, batch-oriented ACH methods, the Mastercard Send solution leverages debit networks to move funds, typically within seconds. Mastercard Send is unique: funds can be transferred to virtually all debit cards in the U. S. and, in most cases, funds can be transferred typically within seconds. Through a set of APIs, a service provider can request a transfer through a sending acquirer, which Mastercard then routes to any U. S. bank account via a debit card regardless of the brand.

Q: What cards are eligible for Mastercard Send transactions?

A: Currently, the service is only available for U. S. consumer debit and reloadable prepaid cards. However, the MoneySend mandate includes all consumer cards: debit, credit and prepaid. Mastercard recommends that issuers support all cards when migrating to Transaction Code 28 to prepare for future service enhancements.

Q: What role does an issuer play in a Send transaction?

A: One role that issuers play in a Send transaction isВ as receiving institutions. In this role, issuers are required to post funds to their cardholders' accounts.

When a serviceВ provider sends funds to a debit account using Transaction Code 28, the issuer of the receiver's debit card is paid a share of network fees. Once an issuer has complied with the MoneySend mandate to enable Transaction Code 28, they will be eligible to start collecting these fees. For more information on the mandate, see Global Operations Bulletin No. 2 (February 2, 2018).

Q: Can an issuer use Mastercard Send for a P2P program?

A: An issuer could offer P2P payment services by leveraging the Mastercard Send API to allow their cardholders to send and receive payments with their friends and family. While Mastercard Send is a critical part of a P2P program, interested issuers should consider the other necessary implementation measures and development requirements. These considerations should include: customer acquisition costs, receiver management requirements for users without accounts at a bank, the necessary user interfaces for a standalone or integrated mobile application, among other considerations.

Q: How does Mastercard Send differ from MoneySend?

A: Mastercard Send is the first-of-its-kind interoperable global platform that enables funds to be sent quickly and securely. In the U. S., it will enable disbursements and P2P payments to and from nearly any U. S. debit card account, including non-Mastercard debit cards. MoneySend is the Mastercard transaction type (Transaction Code 28) designed for real-time money transfers by issuers connected to the Mastercard network.

Q: Where can I get a Mastercard Everyday Prepaid Card?

A: It's easy to find the Mastercard Everyday Prepaid Card that's right for you. They are available at participating stores and online.

Q: Do I have to activate and register my prepaid card before using it?

A: Activation and registration requirements vary, so check your card packaging for detailed instructions. To take advantage of the reload function and card benefits such as zero liability or card replacement, you will need to register your card.

Q: How do I use a Mastercard Everyday Prepaid Card?

A: When you're ready to make a purchase, give the cashier your card or, if asked, swipe your card at the terminal. The purchase amount will automatically be deducted from the card balance.

Q: Where can I use my Mastercard Everyday Prepaid Card?

A: You can use your Mastercard Everyday Prepaid Card anywhere that Debit Mastercard is accepted - that's millions of locations worldwide from retail stores to online, mail and phone orders. You can also use your card to pay bills online.

Q: My available card balance will not cover my purchase amount. Can I still use my prepaid card?

A: Yes, just tell the cashier in advance how much to deduct from your prepaid card and how much you will pay using an alternate payment method. Note that this process, known as "split tender," may not be supported by all merchants.

Q: How do I return an item that was purchased on a Mastercard Everyday Prepaid Card?

A: When you make a return, the cashier may ask to see your card. The value of the returned merchandise will be credited back to the card.

Q: I can't find my Mastercard Everyday Prepaid Card. ماذا علي أن أفعل؟

A: If you registered your Mastercard Everyday Prepaid Card, your issuer can use the information you provided during registration to issue a replacement card. Be sure to keep a record of the card number.

Contact the issuer of your card immediately to report the lost or stolen card. You can also contactВ Emergency ServicesВ for additional assistance.

Mastercard Everyday Prepaid Cards that have been registered include Zero Liability protection. Certain exceptions apply. ClickВ hereВ for terms & conditions for Zero Liability.

Q: How do I add funds to my card?

A:В After you register your Mastercard Everyday Prepaid Card, the best way to add funds to your card is to set up direct deposit of your paycheck. Take your card's direct deposit information to your employer to have your paycheck automatically put on your card each payday. Direct deposit information varies, so check your card packaging or contact the card issuer.

You can also add money to your card at participating retail locations. Check your card packaging or contact the card issuer to find out which retailers are supported. В.

Q: Where can I get a Mastercard Prepaid Gift Card?

A: Mastercard Prepaid Gift Cards are available at bank branches and retail locations, as well as online and via phone. There are many card styles to choose from, some of which can be customized with unique designs, the recipient's name and personal messages. It's easy to find the prepaid gift card that's right for you.

Q: I received a Mastercard Prepaid Gift Card. Do I need to activate or register my card before using it?

A: Check your gift card, the receipt or related packaging for any specific activation instructions. Many Mastercard Prepaid Gift Cards sold in retail locations are automatically activated when the card is purchased. Call the customer service number on the back of the card if you have questions about how to activate the card. For online and telephone purchases, you may need to register your card with the card issuer. В.

Q: How do I use a Mastercard Prepaid Gift Card?

A: When you're ready to make your purchase, give the cashier your card or, if asked, swipe your card. The purchase amount will automatically be deducted from the card balance.

Q: Where can I use my Mastercard Prepaid Gift Card?

A: You can use your Mastercard Prepaid Gift Card anywhere Debit Mastercard is accepted - that's millions of locations worldwide from retail stores to online, mail and phone orders. You can also use your card to pay bills online.

Q: вЂЇHow long can I use my Mastercard Prepaid Gift Card?

A:вЂЇ You can make purchases on your prepaid gift card until the value of the card has been depleted, or until the expiration date shown on the card.

Q:вЂЇ What happens if I need to return an item purchased using my Mastercard Prepaid Gift Card?

A:вЂЇ When making a return, you may be asked to show the card that was used to make the purchase. The value of the returned merchandise will be credited back to your card.

Q: How do prepaid travel cards work?

A: Prepaid travel cards work just like all Mastercard prepaid cards, which means you can spend up to the value placed on the card anywhere Debit Mastercard is accepted. You can shop in stores, online or over the phone. As you make purchases with the card, funds are immediately deducted from the available card balance. В You can continue to use your card until the card balance has been depleted or until the expiration date shown on the card.

You might want to check your card balance before you shop since the merchant or service provider may not be able to retrieve this information for you. В.

Q: How can I get the balance on my prepaid travel card?

A: Depending on your card, you may be able to check your balance on the issuer's Web site. Certain merchants will also have the ability to read your card's balance for you.

Q: What if my card is lost or stolen?

A: Contact the issuer of your card immediately to report a lost or stolen card. There is a customer service number listed on the back of the card. Be sure to keep a record of the Mastercard Travel Card number. Your issuer may need this information to cancel the card and issue a replacement. В.

If you registered your Mastercard Travel prepaid card, it may provide Zero Liability protection. Certain exceptions apply. ClickВ hereВ for terms & conditions.

Q: What is Mastercard rePower?

A: The Mastercard rePower Load Network is a service from Mastercard that allows you to add money your eligible Mastercard prepaid card at participating merchants. В.

Q: How does Mastercard rePower work?

A: Simply visit a participating retailer with the cash you want to add. В.

Some retailers support the card swipe method, which enables you to add funds in-store by asking the cashier to swipe your card. WhileВ other retailers sell reload packs, (e. g., Green Dot MoneyPak, Vanilla Reload Pack) that you purchase and add funds on your card by entering a code online or by phone.

Western Union locations will ask you to fill out a form and an agent will load the money onto your card.

Q: How do I use the Mastercard rePower Merchant Locator?

A: ClickВ hereВ to access the rePower Merchant Locator. Type in a city and state, or a zip code to search the thousands of retail locations for the one nearest you. You can further narrow down the list by providing a street address or a merchant's name. В.

Retailers who support the card swipe reload method will have "Card Swipe" listed next to their names and those who enable Mastercard rePower reloads through the Green DotВ® MoneyPak card will have "MoneyPak" listed. Retailers who support both card swipe and MoneyPak will have "Both".

Q: Can I reload any prepaid card at Mastercard rePower merchants?

A: Reloadable Mastercard or Maestro prepaid cards are the only cards that can be loaded using the Mastercard rePower load network. You can find out if your card is eligible by looking for the Mastercard rePower logo on the back of your card or by contacting your card issuer.

Q: How do I get my Mastercard prepaid card balance?

A: You can get your balance by following the instructions provided with your card. Generally, this includes either visiting the card issuer's Web site or by calling the phone number on the back of the card.

Q: How much does a Mastercard rePower reload transaction cost?

A: Retailers may charge reload fees. Please refer to the fees section and also check with your local participating retailer for the most up-to-date information.

Q: Questions not answered here?

A: If your question is not listed, we recommend that you contact the financial institution that issued your account as only they hold information specific to your account. Typically, there is a customer service number for your financial institution on the back of the card. You can always contact the Mastercard Assistance Center either toll-free at 1-800-627-8372В or collect at 1-636-722-7111. If you believe that your question can only be answered by Mastercard, В click hereВ to submit your question.

Problems Shopping.

Q: A merchant required me to make a minimum purchase when I used my credit card. ماذا علي أن أفعل؟

A:В A merchant located in the United States or a U. S. region/territory may set a minimum transaction amount for credit cards only. The amount may not exceed $10 and cannot discriminate between issuers or between Mastercard and other acceptance brands. Merchants are not permitted to require a Mastercard cardholder to pay a minimum amount for a Debit Mastercard or Mastercard prepaid card transaction. If you believe that a merchant inappropriately requested a minimum charge, you may report this by completing a form available through this link:В Report a problem.

Q: A merchant wanted to charge a surcharge or fee to use my Mastercard. ماذا علي أن أفعل؟

A: As a result of a court-approved settlement, Mastercard agreed to modify its rules to permit U. S. merchants to surcharge Mastercard credit cards as long as they complied with certain limitations.

Merchants have the option to add a surcharge at the "brand level" where the surcharge is the same for all Mastercard credit cards, regardless of the card's issuer, or they can add a surcharge at the "product level" (e. g., apply a surcharge to all World Mastercard cards regardless of the card's issuer but not standard Mastercard credit cards). Click here for the details. A merchant's ability to surcharge on credit cards is subject to any restrictions or prohibitions imposed by applicable state law. Mastercard rules continue to prohibit merchants from applying a surcharge on debit cards.

If you are not certain whether you have been charged appropriately, or you would like to report a questionable charge, В email usВ and provide the information requested.

Q: What should I do if the merchant surcharge was not clearly disclosed before I paid?

A:В Merchants must clearly disclose their surcharges at the register and clearly indicate the amount of the surcharge on the receipt. If you do not believe that you have been charged the correct amount, or you would like to report a questionable charge, В email us.

Q: What should I do if the merchant surcharge was a higher amount than what I expected?

A: The surcharge that the merchant assesses may not exceed the merchant discount rate that the merchant pays for the credit card that is surcharged. In the United States, this charge for Mastercard typically ranges from 1.5% to 3% and in no event may the merchant surcharge greater than 4%. Merchants much clearly disclose their surcharges at the register and clearly indicate the amount of the surcharge on the receipt. If you do not believe that you have been charged appropriately, or you would like to report a questionable charge, В email us.

Q: Why was I charged a higher amount at the pump because I used my Mastercard?

A: A merchant may provide a discount to its customers if they pay in cash, provided that the discount is posted. If you would like to report a questionable charge, you mayВ complete a brief online form.

Q: Are merchants allowed to ask me to provide identification to use my Mastercard?

A: There are certain situations when you use your Mastercard during which a merchant may require personal information. For example, for shipping purposes. Additionally, if the Mastercard is unsigned, a merchant should request personal identification (but not record it) and ask the cardholder to sign the card before completing the transaction.

If you believe that a merchant has violated the above standard or their actions requesting identification are questionable, you may report it byВ completing a brief online form.

Q: I tried to make a purchase but my card gets declined. ماذا علي أن أفعل؟

A: If a transaction is declined, please contact the financial institution that issued your card. Sometimes banks put security measures in place to reduce the risk of fraudulent transactions on certain types of transactions, which may result in declined transactions.

Q: Questions not answered here?

A: If your question is not listed, we recommend that you contact the financial institution that issued your account as only they hold information specific to your account. Typically, there is a customer service number for your financial institution on the back of the card. You can always contact the Mastercard Assistance Center either toll-free at 1-800-627-8372В or collect at 1-636-722-7111. If you believe that your question can only be answered by Mastercard, В click hereВ to submit your question.

Report Fraud.

Q: I received an email/phone call from Mastercard about my account but it appears to be a scam or a phishing email. ماذا علي أن أفعل؟

A:В Mastercard will never solicit personal or account information from a cardholder and we suspect that the information you received is fraudulent. Consumers should always safeguard their personal information and refrain from responding to suspicious email/phone scams. If you suspect fraud on your account, please contact your issuing bank immediately to report it. We would appreciate if you could forward the original email toВ stopit@mastercard. В.

Q: Someone called to offer a lower rate on my Mastercard but it seems to be a scam. ماذا علي أن أفعل؟

A: Mastercard does not contact individuals to request personal information including credit or debit card account information. If you received an unsolicited phone call, email, text or social media request from an individual claiming to be a Mastercard representative do not respond.

Mastercard cardholders should always safeguard their personal information and not respond to any suspicious emails or inquiries.

If you are a victim of a phishing attack and believe your account information may have been compromised, please contact the financial institution that issued your credit card or debit card to report the incident.

Q: I believe fraudulent purchases were made on my Mastercard credit card or debit card. How do I report it?

A: If you believe that a transaction posted to your account is fraudulent, you should immediately contact the financial institution that issued your card. Typically, there is a customer service number for your financial institution on the back of each card that you can call. You can always contact the Mastercard Assistance Center either toll-free at 1-800-627-8372В or collect at 1-636-722-7111.

Q: I know who committed fraud on my Mastercard credit card or debit card. How do I report it?

A: If you believe that you have information about a person who has committed fraud by using your Mastercard without your permission, please contact the financial institution that issued your card. Contact information can be located on the back of your card or on a monthly billing statement.

Q: I believe someone has applied for a Mastercard credit card in my name. ماذا علي أن أفعل؟

A: Mastercard does not issue cards and we can't tell you if an account has been opened in your name. If you know the name of the financial institution, you should contact them immediately and cancel the account. Then you should notify each of the three credit reporting agencies:

The credit reporting agencies should provide you with a copy of your credit report. Even if you do not see an unusual creditor on a credit report, you should formally write to advise them of the situation.

For more information on credit reports, go toВ ftc. govВ and select credit reports.

Q: There was a breach on my account and I received a new card. How can I get more information?

A:В Mastercard appreciates the concern and diligence you are taking to protect your finances. We take each card breach very seriously and work closely with investigative agencies. We encourage you to contact your financial institution for the most up-to-date information. Typically, there is a customer service number on the back of the card that you can call.

Q: How do I report potential fraud?

A: If you possess contact information for someone who has committed fraud on a Mastercard account, please contact your merchant service provider for assistance in reaching the financial institution that issued the Mastercard account.

Replacement Card.

Q: How can I get a replacement card?

A: Mastercard can assist you in getting a replacement card by working with the financial institution that issued your card. Replacement cards require that your financial institution issues a new account number. To request an emergency card replacement, please contact the Mastercard Assistance Center either toll-free at 1-800-627-8372В or collect at 1-636-722-7111.

Q: What is Mastercard rePower?

A: The Mastercard rePower Load Network is a service from Mastercard that allows you to add money to your eligible Mastercard prepaid card at participating merchants. This service is currently available in the U. S. at over 100,000 retail locations.

Q: How does Mastercard rePower work?

A: Simply visit a participating retailer with the cash you want to add. Some retailers support the card swipe method, which enables you to add funds in-store by asking the cashier to swipe your card. WhileВ other retailers sell reload packs, (e. g., Green Dot MoneyPak, Vanilla Reload Pack) that you purchase and add funds on your card by entering a code online or by phone.

Western Union locations will ask you to fill out a form to add funds and an agent will load the money onto your card.

Q: How do I use the Mastercard rePower Locator?

A: Type in a city and state, or a zip code to search for a retail location nearest you. You can further narrow down the list of Mastercard rePower merchant locations by providing a street address. Click the Search button, and you will be presented with a list of locations and the type of reload supported (e. g., Card Swipe, Western Union, Reload Pack).

Q: How do I get my Mastercard prepaid card balance?

A: Follow the instructions provided with your card. Typically, you may get your balance by either visiting your card issuer's website or by calling the phone number on the back of the card.

Q: How much does a Mastercard rePower reload transaction cost?

A: Reload fees charged by the retailer may apply. Please refer to the fees section and also check with a participating merchant for the most up-to-date information.

Q: Questions not answered here?

A: If your question is not listed among the previous topics and questions, your best option is to contact the financial institution that issued your account as only they hold account specific and unique information. Typically, there is a customer service number for your financial institution on the back of the card that you can call. You can always contact the Mastercard Assistance Center either toll-free at 1-800-627-8372В or collect at 1-636-722-7111.

If you believe that your question can only be answered by Mastercard, В click hereВ to submit your question.

Q: Can I reload any prepaid card at Mastercard rePower merchants?

A: Reloadable Mastercard prepaid cards are the only cards that can be loaded using the Mastercard rePower load network. You can find out if your card is eligible by looking for the Mastercard rePower logo on the back of your card or by contacting your card issuer.

SecureCode.

Q: I'm a merchant. What is Mastercard SecureCode?

A: Mastercard SecureCode is a program designed to provide online merchants with the added security of having issuing banks authenticate cardholders and qualify online transactions for protection against "cardholder unauthorized" or "cardholder not recognized" chargebacks.

Q: I'm a consumer. What is Mastercard SecureCode?

A: Mastercard SecureCode is a service to enhance your existing Mastercard credit card or debit card. With a private code - similar to a PIN - you get protection against unauthorized use of your card when you shop at participating online retailers.

Q: How does Mastercard SecureCode work?

A: Once you've registered and created your own private SecureCode, you will be automatically prompted by your financial institution at checkout to provide your SecureCode each time you make a purchase with your registered credit card or debit card at a participating online merchant. Your SecureCode is quickly confirmed by your financial institution and then your purchase is completed. Your SecureCode will never be shared with the merchant. It's just like entering your PIN at an ATM.

Q: How does Mastercard SecureCode protect me?

A: When you correctly enter your SecureCode when making a purchase at a participating online merchant, you confirm that you are the authorized cardholder and your purchase will be completed. If an incorrect SecureCode is entered, the purchase will not go through. В.

Q: Will I have to get a new card to use SecureCode?

A: You will be able to use any of your existing Mastercard credit or debit cards, as long as the cards are from a participating financial institution. If you're not sure if your financial institution provides this service, please review the list ofВ participating financial institutions. If you don't see your financial institution, check back later as the list is frequently updated.

Q: How many cards can I register with SecureCode?

A: We encourage you to register all of your Mastercard cards. There is no limit to how many cards you can register.

Q: Can two people with a joint account use the same password or should they register for SecureCode separately?

A: Enrollment is at the account level so the password must be shared.

Q: What should I do if I can't remember my SecureCode?

A: You may be prompted to reset your SecureCode or you can contact the customer service number for your financial institution, which is typically found on the back of your card.

Q: What if my SecureCode fails or I receive an error message?

A: You should contact the customer service number for your financial institution, which is typically found on the back of your card. Tell the customer service representative the message that you received.

Q: What if I did not receive an SMS/Text message with my SecureCode PIN?

A: If your financial institution uses SMS/Text messages for SecureCode authentications, you will need to contact the customer service number for your financial institution, which is typically found on the back of your card.

Q: What happens when my card expires or my billing information changes?

A: Your card issuer will automatically update this information in your profile.

Q: What happens if I cancel my card and then get a new one with a different account number?

A: You will need to register the new card for SecureCode. Simply return to the registration site and complete the registration process with your new card.

Q: I'm an online merchant or business, how do I enable Mastercard SecureCode?

A: The ability to support SecureCode may already be available through your transaction processor. All you need to do is:

Contact your transaction processor to confirm that they support the Mastercard SecureCode program. Install a Mastercard SecureCode compliant "plug-in" application on your site. Test your site with Mastercard to ensure that SecureCode is working properly. Display the Mastercard SecureCode logo to let your customers know that you are working to secure online shopping. Transmit transaction authentication values to the card issuer via your normal authorization process using the Universal Cardholder Authentication Field (UCAF).

Q: Once I implement SecureCode, how can I test my site?

Contact your transaction processor when you are ready to test your site.

Q: Is SecureCode easy for online shoppers to use?

ج: نعم. Shoppers simply enter their private Mastercard SecureCode in an in-line window provided by their card issuer before their online transaction can be completed. The card issuer is responsible for validating the code.

Q: I'm a merchant who would like to offer SecureCode. How do I find a certified SecureCode vendor?

A: A current list of certified compliant Mastercard SecureCode vendors is available here:В Mastercard SecureCode vendor list.

Q: How can I download the Mastercard SecureCode logo to place on my Web site?

A: Once you have completed compliance testing, Mastercard will provide you with a SecureCode program identifier.

Q: I'm a merchant, why should I offer Mastercard SecureCode?

A: By providing an option for customers to use SecureCode, you will gain protection from cardholder unauthorized chargebacks for fully compliant transactions. Such protection is designed to reduce your chargeback exposure and processing expenses.

And when you implement SecureCode, consumer confidence increases, making your customers more likely to make an online purchase from you. It can also help you to expand the geographic reach of your business by selling to customers in countries where online debit cards are more widely used than credit cards. In addition to added protection against chargebacks for these customers, you will also be able to process their Maestro debit transactions.

Q: How do I know whether a merchant participates in SecureCode?

A: Most participating merchants will display the Mastercard SecureCode logo on their site. However, even if you don't see the SecureCode logo, the merchant may still be a participant and you will be prompted to provide your SecureCode.

Q: How will the online merchant know that I'm registered for SecureCode?

A: When you use a card that is enrolled in the SecureCode program at participating online merchants, the merchant automatically recognizes your Mastercard at the time of the transaction.

Q: What happens when I use my SecureCode at a participating merchant?

A: When you make a purchase at a participating merchant and enter your registered Mastercard payment details, you will automatically be prompted by your financial institution to enter your SecureCode. After reviewing the details of your purchase and confirming that your personal greeting is correct, simply type in your SecureCode to complete your purchase.

Q: What is a personal greeting?

A: The personal greeting is a message that you create during sign-up. Each time you make an online purchase at a participating merchant, you will be prompted to enter your SecureCode. At that time, you'll see your personal greeting and other purchase details. The personal greeting is your assurance that you are communicating with your financial institution.

If the personal greeting displayed in the pop-up box is incorrect, you should not enter your SecureCode. You should contact customer service immediately by calling the number on the back of your enrolled Mastercard, and report a possible fraud.

Q: How will SecureCode change the online purchase process?

A: The online purchase process will not change other than that you will be prompted to provide your SecureCode during checkout. Your SecureCode will never be revealed to the merchant during the checkout process.

Q: Will I be able to make purchases at merchants that accept Mastercard, but do not participate in SecureCode?

A: If you make a purchase at a merchant that does not participate in SecureCode, you will not be asked for your SecureCode. You will continue to be protected from unauthorized purchases byВ Zero LiabilityВ from Mastercard.

Q: I am a merchant who would like to offer SecureCode to my customers. How do I get more information?

A: For information on participating in Mastercard SecureCode, please visitВ SecureCode Merchant.

Q: How is SecureCode different from Zero Liability?

A: UsingВ Mastercard SecureCodeВ provides added security to prevent your card from unauthorized use. Exceptions apply. В Zero LiabilityВ provides coverage if your card has been used fraudulently.

Q: Where can I view terms and conditions for SecureCode?

A: Please visit your financial institution's Web site for the terms and conditions specific to your card.

Q: Where can I review the privacy policy for SecureCode?

A: Please visit your financial institution's Web site to review the privacy policy specific to your card.

Q: Questions not answered here?

Q: How does Mastercard SecureCode work?

A: When a cardholder submits their online order at a participating merchant, Mastercard SecureCode performs the following to ensure that the cardholder is authorized to make this transaction:

Initiates an in-line window from the card issuer prompting the cardholder to enter their unique personal code. The issuer validates the personal code and approves the transaction.

Q: Does Mastercard SecureCode also support cards with the Maestro brand?

ج: نعم. Mastercard SecureCode provides a way for issuers to support Maestro debit transactions online, which enables cross-border transactions with merchants in countries where debit is more established than credit.

Q: Am I required to display the Mastercard SecureCode program logo on my site?

ج: نعم. Once you have successfully completed testing, Mastercard will provide you with the Mastercard SecureCode logo to display on your Web site in accordance with Mastercard guidelines. This lets customers know you are doing your part to make their transactions safer.

Q: Who do I contact for assistance with Mastercard SecureCode?

A: If have a Mastercard SecureCode, you must contact the financial institution that issued your Mastercard if you encounter any issues. В Click here to find your financial institution. Please note that if your financial institution is not listed, it does not offer SecureCode. В.

Security Vulnerability Reporting Program - Bug Bounty Program.

Q: What is Mastercard's policy when it comes to reporting security vulnerabilities?

A: At Mastercard, safety and security are foundational principles central to every part of our company and the innovative technology platforms and services we enable. We know that secure products and services are essential to the trust that our customers, cardholders, merchants and other partners place in us.

If you believe you have identified a security vulnerability, we encourage you to report this to us as soon as possible through our vulnerability reporting program. We will investigate all verifiable and legitimate reports and do our best to quickly fix the problem that you have helped us spot as quickly as possible. В.

Q: What platforms and vulnerability categories are in scope?

A: Currently, the following platforms and vulnerability categories are in scope under our vulnerability reporting program (bug bounty program):

Cross-site scripting Cross-site request forgery Insecure direct object references Injection vulnerabilities Authentication vulnerabilities Server-side code execution Privilege escalation Significant security misconfiguration (when not caused by user)

Q: What if I identify vulnerabilities or issues outside of these areas?

A: Security is our top priority. We're relentless in securing our digital assets and welcome the opportunity to collaborate with the technology and cybersecurity research community. You can submit potential security vulnerabilities to security@mastercard. Please note that information provided through this email address is not eligible for compensation under our vulnerability reporting program. В.

Q: What is the reward process for reported vulnerabilities?

A: Monetary rewards are offered to external security researchers if they identify an issue on one of the in-scope platforms. Compensation depends on the severity and impact of the identified issue.

Site Data Protection and PCI.

Q: What is the Mastercard Site Data Protection (SDP) Program?

A: The SDP Program is MastercardвЂ™s program in support of PCI Security Standards and is designed to encourage customers, merchants, and Service Providers to protect against Account Data Compromise (ADC) Events. The SDP Program promotes the identification and correction of vulnerabilities in security processes, procedures, and website configurations.

Q: Who is required to comply with the PCI DSS?

A:В Compliance with the PCI DSS is required for all issuers, acquirers, merchants, Service Providers and any other entity that stores, processes or transmits Mastercard and Maestro account data.

Q: Who is required to validate/report their PCI DSS compliance to Mastercard?

A:В The SDP Program requires validation of compliance only for merchants and Service Providers. В.

Q: I am an acquirer or an issuer. Do I need to validate/report compliance to Mastercard?

A:В Acquirers and issuers are required to achieve PCI DSS compliance, however, an acquirer or an issuer does not have to report their PCI DSS compliance to Mastercard.

Q: I am a merchant. What do I need to do to meet SDP Program requirements?

A:В Mastercard recommends that you contact your acquiring bank to assist you with:

Determining your merchant level (L1, L2, L3 or L4) based on combined annual Mastercard and Maestro transaction counts Confirming PCI DSS compliance validation requirements.

It is your acquirer who will manage your PCI DSS compliance and report your status directly to Mastercard. Mastercard does not accept PCI DSS validation documentation sent by a merchant.

A merchant that stores, processes or transmits cardholder data must be PCI DSS compliant and a merchant that uses third party-provided payment applications must only use payment applications that are compliant with the Payment Card Industry Payment Application Data Security Standard (PA-DSS).В.

Q: I am an acquirer. What do I need to do to meet SDP Program requirements?

A:В An acquirer is responsible for implementing a PCI DSS compliance program for their L1, L2, L3 and L4 merchants. To ensure compliance with the SDP Program, you should:

Help determine merchant levels based on combined annual Mastercard and Maestro transaction counts Review and communicate merchant compliance validation requirements for each L1, L2, L3 and L4 merchant in your portfolio Set deadlines for merchants to submit PCI DSS validation documents Submit a completed SDP Acquirer Submission and Compliance Status Form to sdp@mastercard reporting on your merchantsвЂ™ PCI DSS compliance status (only L1, L2 and L3 merchants are required to be reported via the SDP Form. L4 merchant reporting to Mastercard is optional.)

Q: I am a Service Provider. What do I need to do to meet SDP Program requirements?

A:В Mastercard recommends that you review SDP Program requirements to assist with:

Determining your Service Provider level (L1 or L2) based on type and combined annual Mastercard and Maestro transaction counts Confirming PCI DSS compliance validation requirements Once compliant, submit a signed Attestation of Compliance (AOC); or for those SAQ eligible, submit the SAQ D AOC and latest passing scan to pcireports@mastercard. If not yet compliant, the PCI Action Plan for Service Providers should be completed and submitted to pcireports@mastercard.

A Service Provider that stores, processes or transmits cardholder data must be PCI DSS Compliant and a Service Provider that uses third party-provided payment applications must only use payment applications that are compliant with the PA-DSS.

To be listed on The Mastercard Compliant Service Provider List updated semi-monthly on the SDP website, a Service Provider must have submitted to pcireports@mastercard a copy of their AOC by a QSA reflecting validation of the company being PCI DSS compliant and been registered as a Service Provider by one or more Mastercard Customers. В.

Q: I am a SDP Level 1 Merchant. What are my PCI compliance validation requirements?

A:В To validate compliance, a L1 merchant must successfully complete:

An annual onsite assessment conducted by a PCI SSC approved Qualified Security Assessor (QSA) or internal auditor Quarterly network scans conducted by a PCI SSC Approved Scanning Vendor (ASV)

AВ L1 merchant that uses an internal auditor for compliance validation must ensure that primary internal auditor staff engaged in validating compliance with the PCI DSS attend the PCI SSC-offered Internal Security Assessor (ISA) Program and pass the PCI SSC associated accreditation examination annually in order to continue to use an internal auditor.

Q: I am a SDP Level 2 Merchant. What are my PCI compliance validation requirements?

A:В To validate compliance, a L2 merchant must successfully complete:

An annual self-assessment conducted by an Internal Security Assessor (ISA) or may alternatively, at their own discretion, engage a PCI SSC-approved QSA for an onsite assessment Quarterly network scans conducted by a PCI SSC Approved Scanning Vendor (ASV)

A L2 merchant must ensure that staff engaged in self-assessing the merchantвЂ™s compliance with the PCI DSS attend the PCI SSC-offered Internal Security Assessor (ISA) Program and pass the PCI SSC associated accreditation examination annually in order to continue the option of self-assessment for compliance validation. В.

Q: I am a SDP Level 3 Merchant. What are my PCI compliance validation requirements?

A:В To validate compliance, a L3 merchant must successfully complete:

An annual self-assessment Quarterly network scans conducted by a PCI SSC Approved Scanning Vendor (ASV)

Note: A L3 merchant completing a Self-Assessment Questionnaire (SAQ) should consult with their acquirer to determine which SAQ is appropriate for their environment.

Q: I am a SDP Level 4 Merchant. What are my PCI compliance validation requirements?

A:В A merchant that is not deemed to be a L1, L2, or L3 merchant is a L4 merchant. While a L4 merchant is not required to validate/report their PCI DSS compliance to Mastercard, a L4 merchant is still required to be PCI DSS compliant and must successfully complete:

An annual self-assessment Quarterly network scans conducted by a PCI SSC Approved Scanning Vendor (ASV)

Note: A L4 merchant completing a Self-Assessment Questionnaire (SAQ) should consult with their acquirer to determine which SAQ is appropriate for their environment.

Q: Are there alternative ways to validate PCI compliance to Mastercard if I use secure technology such as EMV or P2PE?

A:В Mastercard offers a merchant implementing secure technologies such as EMV or P2PE alternative ways to validate their PCI DSS compliance. A qualifying merchant may validate compliance through either the Mastercard Risk-based Approach (applies to eligible non-U. S. merchants only) or the Mastercard PCI Compliance Validation Exemption Program (the вЂњExemption ProgramвЂќ) (applies to eligible merchants in all Regions).

Both the Risk-based Approach and PCI Compliance Validation Exemption Program provide some validation/reporting relief to merchants. Mastercard encourages you to review 10.3.4.1 Risk-based Approach and 10.3.4.2 PCI Compliance Validation Exemption Program in the Security Rules and Procedures Manual вЂ“ Merchant Edition for more information on eligibility requirements. A merchant that does not satisfy all eligibility criteria must continue to validate its PCI DSS compliance in accordance with the SDP ProgramвЂ™s 10.3.4 Implementation Schedule.

Q: I am a SDP Level 1 Service Provider. What are my PCI compliance validation requirements?

A:В To validate compliance, a L1 Service Provider must successfully complete:

An annual onsite assessment conducted by a PCI SSC approved Qualified Security Assessor (QSA) Quarterly network scans conducted by a PCI SSC Approved Scanning Vendor (ASV)

Q: I am a SDP Level 2 Service Provider. What are my PCI compliance validation requirements?

A:В To validate compliance, a L2 Service Provider must successfully complete:

An annual self-assessment Quarterly network scans conducted by a PCI SSC Approved Scanning Vendor (ASV)

Q: What is MastercardвЂ™s ISA mandate?

A:В The Mastercard ISA mandate applies to Level 1 and Level 2 Merchants:

A Level 1 Merchant that uses an internal auditor for compliance validation must ensure that primary internal auditor staff engaged in validating compliance with the PCI DSS attend the PCI SSC-offered Internal Security Assessor (ISA) Program and pass the PCI SSC associated accreditation examination annually in order to continue to use an internal auditor. A Level 2 Merchant must ensure that staff engaged in self-assessing the merchantвЂ™s compliance with the PCI DSS attend the PCI SSC-offered Internal Security Assessor (ISA) Program and pass the PCI SSC associated accreditation examination annually in order to continue the option of self-assessment for compliance validation. В.

Note: The Mastercard ISA mandate does not apply to L3 merchants.

Q: What is MastercardвЂ™s PA-DSS mandate?

A:В All merchants and Service Providers that use third party-provided payment applications must only use payment applications that are compliant with the Payment Card Industry Payment Application Data Security Standard (PCI PA-DSS), as applicable. The applicability of the PCI PA-DSS to third party-provided payment applications is defined in the PCI PA-DSS Program Guide found in the Document Library at pcisecuritystandards. В Mastercard also recommends that merchants use a QualifiedВ Integrator & Reseller (QIR) listed on the PCI SSC website to implement a PCI PA-DSS-compliant payment application.

Q: Where can I find PCI compliance validation tools (for example, Self-Assessment Questionnaires (SAQs), Attestation of Compliance (AOCs), the Prioritized Approach Tool)?

A:В The PCI Security Standards Council manages validation tools to assist merchants and Service Providers in demonstrating their compliance with the PCI Data Security Standard (PCI DSS). To view or download compliance validation tools and supporting documentation, visit the Document Library at pcisecuritystandards. В.

Q: My receipt did not clearly indicate the surcharge. ماذا علي أن أفعل؟

A: Merchants can charge a surcharge to customers who pay with Mastercard-branded credit cards. These fees are not allowed on Debit Mastercard or Mastercard prepaid cards. Merchants much clearly disclose their surcharge policies at the register and clearly indicate the amount of the surcharge on the receipt.

Q: The merchant surcharge was a higher amount than I expected. ماذا علي أن أفعل؟

A: The surcharge that the merchant assesses may not exceed the merchant discount rate that the merchant pays for the credit card that is surcharged. In the United States, this charge for Mastercard typically ranges from 1.5% to 3%. In no event may the merchant surcharge an amount greater than 4%. Merchants much clearly disclose their surcharges at the register and clearly indicate the amount of the surcharge on the receipt.

If you are not certain whether you have been charged appropriately, or you would like to report a questionable charge, В email us hereВ and provide the information requested.

Q: The merchant surcharge was not clearly disclosed before I paid. ماذا علي أن أفعل؟

A: Merchants must clearly disclose their surcharges at the register and clearly indicate the amount of the surcharge on the receipt. If you are not certain whether you have been charged appropriately, or you would like to report a questionable charge, В email us hereВ and provide the information requested.

Q: I was charged a surcharge without my knowledge. ماذا علي أن أفعل؟

A: Merchants can charge an extra fee to all customers who pay with Mastercard branded credit cards. These fees are not allowed on Debit Mastercard or Mastercard prepaid cards. These requirements can be found by clicking here.

Merchants must clearly disclose their surcharge policies at the register and clearly indicate the amount of the surcharge on the receipt. В.

If you are not certain whether you have been charged appropriately or would like to report a questionable charge, email us at merchantsurcharge@mastercard.

Q: A merchant wanted to charge a surcharge or fee to use my Mastercard. ماذا علي أن أفعل؟

A: Merchants can charge an extra fee to customers who pay with Mastercard branded credit cards, where permissible by law. These fees are not allowed on Debit Mastercard or Mastercard prepaid cards. Additional details on these surcharges can be found by clicking here.

Merchants must clearly disclose their surcharge policies at the register and clearly indicate the amount of the surcharge on the receipt.

If you are not certain whether you have been charged appropriately, or would like to report a questionable charge, email us directly at merchantsurcharge@mastercard. В.

Tax Payments.

Q:В If I have a problem making a payment, who can I contact?

A: You should contact the financial institution that issued your card for questions related to billing and fees. There should be a phone number on the back of your card or on your monthly billing statement. For specific questions relating to state or local income taxes, contact your local tax authority.

Q:В How can I be sure that my card payment has been processed?

A:В Upon card authorization, the service provider will provide you with a confirmation number. This number is a record that the card issuer has approved and authorized your tax payment transaction.

Q:В How will I know what fees I'll be charged if I pay taxes with a card?

A:В After you have entered the payment amount, the website will disclose the convenience fee. The fees may vary depending upon the amount of taxes due. В.

Q:В What information will I need to have available to pay taxes with my Mastercard?

A:В When prompted, you will be asked for the following:

taxpayer property/parcel numberВ balance due (in whole dollars) calculated on the tax returnВ 16-digit Mastercard numberВ Mastercard expiration dateВ ZIP code where monthly Mastercard account statement is mailed or zip code of primary cardholder daytime telephone numberВ.

Q:В How will a federal tax payment appear on my statement?

A:В There will be two separate entries related to the tax payment transaction: the first will display the amount of tax paid and identify the payee as вЂњUS Treasury Tax PaymentвЂќand the second entry will display the convenience fee and be listed as вЂњTax Payment Convenience Fee. вЂќ.

Q:В Where can I get information about IRSВ e-file?

A:В You can reach the IRS by calling 1-800-829-1040 or by visitingВ irs. gov.

Telephone or email scam.

Q: Someone called to offer a lower rate on my Mastercard but it seems to be a scam. ماذا علي أن أفعل؟

A: Please be advised that Mastercard does not attempt to contact individuals to request personal information including credit or debit card account information. If you receive an unsolicited phone call, email, text message or social media request from an individual claiming to be a Mastercard representative: DO NOT RESPOND.

Mastercard cardholders should always safeguard their personal information and not respond to any suspicious emails or other inquiries.

If you are a victim of a phishing attack and believe your account information may have been compromised, please contact the bank or financial institution that issued your credit or debit card to report the incident.

Transaction Dispute.

Q: How can I dispute a charge?

A: Please contact the financial institution that issued your card to dispute a charge. Only your issuer holds your specific and unique information including what rights you have to file disputes. The dispute process agreed to by financial institutions that issue Mastercard or process Mastercard transactions is set up to allow the financial institutions to manage disputes with cardholders and merchants in a formal manner. В.

Q: Who do I contact if I never received an item that I purchased online or by phone?

A: If you did not receive an item that you purchased or if you received an incorrect item, you should first contact the merchant to try to resolve the situation. If you can't come to an agreement and you want to dispute the transaction, this must be done directly with the financial institution that issued your Mastercard.

Typically, there is a customer service number for your financial institution on the back of the card. You can always contact the Mastercard Assistance Center either toll-free at 1-800-627-8372В or collect at 1-636-722-7111 and we will connect you to your financial institution.

Q: I made a purchase but received the wrong item. ماذا علي أن أفعل؟

A: If you purchased an item but received the wrong one, please contact the merchant to try to resolve the situation. If you and the merchant cannot resolve the issue, and you want to file a disputed transaction, this must be done directly with the financial institution that issued your Mastercard.

Typically, there is a customer service number for your financial institution on the back of the card that you can call. You can always contact the Mastercard Assistance Center either toll-free at 1-800-627-8372В or collect at 1-636-722-7111.

Q: How do I get a refund from a business that has filed bankruptcy?

A: If you used a Mastercard for a purchase from a business that has filed for bankruptcy, you can file a disputed transaction with the financial institution that issued the card. Typically, there is a customer service number for your financial institution on the back of your card card that you can call. You can always contact the Mastercard Assistance Center either toll-free at 1-800-627-8372В or collect at 1-636-722-7111.

Q: What should I do if the financial institution that issued my Mastercard says that Mastercard denied my dispute?

A: If your dispute case was denied, the financial institution that issued your Mastercard will be able to explain the reason. Typically, there is a customer service number for your financial institution on the back of your card that you can call. You can always contact the Mastercard Assistance Center either toll-free at 1-800-627-8372В or collect at 1-636-722-7111.

Q: Questions not answered here?

A: If your question is not listed, your best option is to contact the financial institution that issued your account as only they hold account specific and unique information. Typically, there is a customer service number for your financial institution on the back of the card that you can call. You can always contact the Mastercard Assistance Center either toll-free at 1-800-627-8372В or collect at 1-636-722-7111.

If you believe that your question can only be answered by Mastercard, В click hereВ to submit your question.

Tokenization.

Q: What is tokenization?

A: Tokenization is the process of replacing a cardвЂ™s primary account number (PAN)вЂ”the 16-digit number on the plastic cardвЂ”with a unique alternate card number, or вЂњtoken. вЂќ Tokens can be used for mobile point-of-sale transactions, in-app purchases or online purchases.

Q: What are the benefits of tokenization?

A: Tokenization reduces fraud related to digital payments by making transactions more secure by including a dynamic component with each transaction. It takes the security of a physical EMV chip and applies it to non-card environments including proximity, mobile and internet payments.

Merchants benefit from more secure transactions, as well as faster checkout experiences, new payment acceptance options and more ways to sell.

Q: How do I ensure that I can accept transactions from eligible devices?

A: Existing contactless terminals are compatible with tokenized transactions and no action is required. В Mastercard offers merchants a free, optional service for a more secure in app payment acceptance called Digital Secure Remote Payment (DSRP). To use DSRP merchants must:

Contact their acquirer to ensure that they support DSRP Integrate their mobile app with the digital wallet partner.

Q: What is MastercardвЂ™s role in the launch of digital wallets?

A:В The new digital wallets connect into Mastercard Digital Enablement Service (MDES), so participating issuers can enable secure mobile payments on millions of devices.

Q: What do these new digital payments mean for me?

A:В For consumers and merchants alike, every purchase made with a tokenized Mastercard debit, credit, prepaid or small business card using Android Pay, Samsung Pay or Apple Pay in the United States offers the enhanced security and benefits of a digital Mastercard transaction including secure tokenization technology.

Q: Will this affect the way that I identify new or returning consumers?

A:В Merchants that use card numbers to identify customers will not be able to recognize returning customers if it is the first time they are using their token since it appears as a new card number. However, when used again, merchants will be able to recognize the token associated with the consumerвЂ™s device.

Q: Do any of the digital wallets support my loyalty programs?

A: Android Pay allows merchant loyalty program cards to be added and used at checkout.

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