Cash Back

Cash back details

The cashback is based on a point-accumulation system. You get 1 point for every $2 you spend using your Allure Mastercard^® credit card, providing your account is in good standing. Once a year, in January, you will receive a $10 cashback for every 1,000 points earned. Your account is in good standing when you meet the obligations of your credit card agreement (for example, making the minimum payment by the due date). Interest charges, annual fees, balance transfers, cash advances, service charges, insurance premiums, Mastercard promotional cheques and refunded purchase amounts are not eligible for point accumulation. For full details, see the Applicable Rules [PDF].

Discount on gift cards

The 10% discount on gift cards applies to the total amount of the purchase on yourallure.ca. Gift cards are redeemable at participating Allure partners: Amerispa, Banana Republic, Gap, Old Navy and Winners/HomeSense/Marshalls. Choice of gift card amounts: $25, $50 or $100 (subject to partner availability). No discount will be given in store upon presentation of the Allure card. Gift cards cannot be replaced in the event of damage, loss or theft. The list of Allure partners is subject to change without notice. Gap, Old Navy and Banana Republic gift cards can be used at all Gap, Old Navy and Banana Republic stores in North America. Gift cards are redeemable for in-store merchandise only. For questions about Gap, Old Navy and Banana Republic gift cards, call 1 800 GAP-STYLE, 1 800 OLD-NAVY and 1 888 BR-STYLE respectively.

Credit terms

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

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

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

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

Account statement: A statement is sent monthly.

Example of credit charges over a 30-day period

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

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

*Terms and conditions apply

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

Cash back details

Card issued subject to National Bank credit approval. A 1% cash back is granted on restaurant purchases and recurring pre-authorized payments when settled by recurring automatic payments to your macrédit account. The 0.5% cash back applies to all other eligible purchases during a billing cycle. The account must be in good standing when the cash back is disbursed. Your account is in good standing when you meet the obligations of your credit card agreement (e.g., making the minimum payment by the due date). Eligible pre-authorized payments are defined as payments made regularly and automatically debited by a merchant from your credit card. Balance transfers, cash advances, and fees related to card usage are not included in the cash back calculation. To learn about the terms and restrictions applicable to cash back, consult the Cash Back Program [PDF].

Mobile device protection

Subject to purchase of device with card or telephony service subscription paid by recurring pre-authorized payments from your macro-credit account.

Credit terms

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

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

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

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

Account statement: A statement is sent monthly.

Example of credit charges over a 30-day period

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

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

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TM mycredit is a trademark of National Bank of Canada.

*Conditions apply.

BMO is not responsible for updating the content of this site. For the most up-to-date information, please click on the Online Application link.

*Terms and conditions apply

BMO is not responsible for updating the content of this site. For the most up-to-date information, please click on the Online Application link.