新卡发布：BMO eclipse Visa Infinite (Privilege)

 

新卡发布：BMO eclipse Visa Infinite (Privilege)

BMO近日发布了elipse Visa系列信用卡，采用BMO Rewards积分项目。

https://www.bmo.com/main/personal/credit-cards/rewards/

Visa Infinite

• Annual Fee: $120
• Welcome Offer: 40k BMO Rewards pts (~$265 value) + First year free

*BMO Rewards redemption - you can redeem 15k pts for $100 into your BMO investment account. Max redemption: 14k for $100 travel spending. 同时可得出1x积分（基本消费）回报约为0.67%

• Earning points: Groceries/Restaurant/Gas/Transit 5X积分，3.3%；添加副卡可多得10%积分，且算1x 0.74%/5x 3.6%
• Annual $50 lifestyle(?) credit。或许是无条件送，相当于年费-$50，即$70年费？
• Mobile Device Insurance
• 90-day Purchase Security/max. 1-yr Extended Warranty
• Out-of-Province/Country Emergency Medical Insurance, Common Carrier Insurance and Car Rental Collision/Loss Damage Insurance.(不含Flight Delay)
• Required Income: $60,000.00 (individual) or $100,000.00 (household)

Visa Infinite Privilege

• Annual Fee: $499
• Welcome Offer: 50k BMO Rewards pts
• Earning points: Groceries/Restaurant/Gas/Transit/Drugstore 5X积分，3.3%；添加副卡可多得25%积分，且算1x 0.84%/5x 4.1%
• Annual $200 lifestyle credit
• Priority Pass membership with 6 passes
• 120-day Purchase Security/max. 2-yr Extended Warranty
• In addition to VI: Trip Cancellation/Trip Interruption Insurance/Flight Delay and Baggage Insurance
• Required Income: $150,000.00 (individual) or $200,000.00 (household)

简评：通过Annual Lifestyle Credit的概念，给对年费敏感的群体所定制的“中高端”卡，代价就是关键权益有所缩水了，如VI不含Flight Delay Insurance，VIP只送6次PP，综合看，不是属于“适合长持”一类的卡片。