ManulifeMONEY+ Visa Platinum Card Summary of Rates and Fees

Annual Interest Rates

These interest rates are in effect the day your account is opened (whether or not your card is activated).

Purchases, fees and other charges: 19.99%

Cash Advances and Balance Transfers: 22.99%

If you do not make your minimum payment by the payment due date 2 or more times in any 12-month period, your annual interest rates will increase to standard rates of 24.99% on Purchases, fees and other charges and 27.99% for Cash Advances and Balance Transfers, including those done under any previous rate. This increase will take effect in the third statement period following the missed payment that caused the rate to increase. The increased rates will remain in effect until you make your minimum payments by the due date for 12 consecutive months.

Grace Period
You will benefit from an interest-free grace period of at least 21 days if you pay off your balance in full by the due date. No interest is charged on Purchases and fees appearing on your statement for the 1st time if you pay your new balance in full by the payment due date. There is no interest-free period on Cash Advances and Balance Transfers.

For non-Quebec residents only
Your Minimum Payment will be $10 plus any interest and fees (not including the annual fee), plus any amount by which the new balance exceeds your credit limit, and any amount past
due from the prior month.

For Quebec residents only, after August 1, 2019 (for accounts opened prior to June 10, 2019)
The greater of:
a) 2.50% of the new balance shown on your statement. “2.50%” will increase by 0.50% of the new balance shown on your statement, each 12-month period from August 1, 2019 until it reaches 5.00% as shown below:
2.50% to 3.00% (August 1, 2020)
3.00% to 3.50% (August 1, 2021)
3.50% to 4.00% (August 1, 2022)
4.00% to 4.50% (August 1, 2023)
4.50% to 5.00% (August 1, 2024)


b) $10
Your Minimum Payment will also include any amount by which the new balance exceeds your credit limit, and any amount past due from the prior month.

For Quebec residents only, after August 1, 2019 (for accounts opened after June 10, 2019)
Your Minimum Payment will be the greater of: a) 5% of the new balance shown on your statement; or b) $10. Your Minimum Payment also includes any amount by which the new balance exceeds your credit limit, and any amount past due from the prior month.

For all clients and in all cases, if the new balance is less than $10, the balance is due in full.

We will bill you in Canadian currency if you use your account to make transactions in foreign currency. The exchange rate is determined by Visa Inc. This exchange rate may be different from the rate in effect on the transaction date. When the transaction is posted to your account, in addition to the exchange rate, you will be charged a foreign currency conversion mark-up equal to 2.50% for each foreign currency transaction.
Annual Fees $0
Other Fees:

To be charged on the day the transaction occurs:

Cash advance: $3.50 within Canada and $5.00 outside Canada for each Cash Advance.

Balance transfer: 3% of the amount of each Balance Transfer. We may waive or lower this fee through a special offer. You will be advised of the exact fee that applies at the time the offer is made.

Dishonoured payment to Manulife Bank: $45

Extra copy of your monthly statement: $5 each

Transaction receipt copy fee: $5 for each copy that is requested.

Rush card fee: $25

To be charged on the statement cycle date:

Over the credit limit: $29. The fee is charged once per statement period if your balance exceeds your credit limit at the time of your statement cycle date.2

(Please see Additional Disclosures for more information about rates and fees.)

Additional Disclosures:

Over the Credit Limit: The over the credit limit fee will not be charged to Quebec residents.

Dishonoured Payment to Manulife Bank Fee: This fee applies if a payment to your Credit Card Account made by cheque or pre-authorized debit from any financial institution, including Manulife Bank, is not accepted due to non-sufficient funds.

Fee for Copy of Statement or Transaction Receipt: There is no charge for a copy of the current monthly statement or a transaction receipt appearing on it or if the inquiry is due to a Manulife Bank error. $5 is charged for each additional copy of a prior monthly statement or transaction receipt appearing on a prior monthly statement. Transaction receipts may not be available for all types of transactions.

More information about Interest and the Grace Period: When interest is charged on a new Purchase, it is charged from its Transaction date. Interest is charged on Cash Advances from the date they are taken. Interest is charged on Balance Transfers from the date they are posted to your Credit Card Account.

Merchant’s Fees: Merchants may be charged higher fees for the acceptance of premium cards.

Interpretation: Capitalized terms used in this application have the meanings given to them in the Cardholder Agreement unless otherwise defined.

Quebec only: You have expressly requested that this form and any related documents be drawn up in English. Vous avez expressément exigé que le présent formulaire et tout document qui s’y rattache, soient rédigés en anglais.

For more information about Manulife Bank Credit Cards, please call 1-844-323-7053 toll-free. 

The Card interest rates and fees shown are current as of the date of your application and may change from time to time. For current rates and fees visit

You’ll need to enter a Special Offer Code made up of the letter 'A', the letter ‘P’, and the last 7 digits of your Manulife Bank Access Card Number. For example, if the last 7 digits of your Access Card Number are 3456789, then your offer code is AP3456789.

Access Card

By clicking on “Apply Now”, you’re giving us consent to establish a ManulifeMONEY+ Visa Platinum card account in your name.  

*Trademark of Visa Int., used under license.