Rates

¹ Only the Primary Cardholder may request a balance transfer. The promotional 1.99% annual interest rate (AIR) applies to any credit card balance transfer the client makes within 90 days of their account opening date, and will remain in effect for 180 days (6 months) from the transfer date. After the promotional period, the 1.99% rate on any promotional balances (including balances that remain unpaid after the offer ends) will increase to the regular interest rate for balance transfers. Interest applies from the date a transfer(s) is posted to the new Manulife Bank Credit Card Account. Balance transfers are subject to credit availability, must be repaid, and are administered according to the terms of the Cardholder Agreement. Balances transferred may only be used to pay a balance on a Canadian financial institution issued consumer credit card account that Manulife Bank approves. Balance transfers will be fulfilled in the order (the client/you) requested them and in accordance with the Cardholder Agreement. The total value of balance transfers cannot exceed the authorized credit limit on the credit card account. If the total value is greater, Manulife Bank may have to send only a partial payment to the last designated account / named creditor. A transaction fee equal to 3% of the dollar amount of each balance transfer the client requests will be applied. This offer cannot be used to transfer a balance from another Manulife account, or to make a payment or deposit to another Manulife account. No cash back rewards will be earned on the balance transfer. Offer may be changed or extended at any time.

² You will earn 3% cash back on the first $25,000 you spend annually at merchants classified in the Visa network as Grocery Stores & Supermarkets (Merchant Code: 5411). You will earn 2% cash back on the first $25,000 you spend annually at merchants classified in the Visa network as Hotels or Airlines (Merchant Code: 3000-3298, 3501-3833, 4411, 4511, 4722, 7011, 7012). All other purchases earn 1% cash back. The $25,000 annual spending limits will reset to zero on each anniversary of the date you opened your credit card account. Terms, conditions and eligible merchant/merchant categories may change without notice. Cash back is earned on card purchases less returns and not on cash advances, interest, fees, service/transaction charges, balance transfers and payments.

³ Your ManulifeMONEY+ Visa Infinite annual card fee of $120 will be waived in the first year only based on your account opening date.

⁴ You will earn 2% cash back on the first $15,000 you spend annually at merchants classified in the Visa network as Grocery Stores & Supermarkets (Merchant Code: 5411). All other purchases earn 0.5% cash back. The $15,000 annual spending limit will reset to zero on each anniversary of the date you opened your credit card account. Terms, conditions and eligible merchant/merchant categories may change without notice. Cash back is earned on card purchases less returns and not on cash advances, interest, fees, service/transaction charges, balance transfers and payments.

Manulife, Manulife Bank & Stylized M Design, ManulifeMONEY+, and Stylized M Design are trademarks of The Manufacturers Life Insurance Company and are used by it, and by its affiliates under license.

*Trademark of Visa Int., used under license

* The insurable Manulife One 5-year fixed term sub-account rate is 2.54% and is current as of November 4, 2021. The rate applies to new personal owner-occupied mortgages on primary residence with a value less than $1 million, who also meet additional insurability requirements. Interest is compounded semi-annually, not in advance. Subject to credit approval. Contact us for special offer terms and conditions. This is a discounted rate program. The posted 5-year rate is 2.89% and is current as of November 4, 2021. All rates are subject to change. Not eligible are: second position accounts; a roll-in from second to first position; a transfer from an existing Manulife One to a new property; an increase or change to an existing Manulife One account; a transfer from another existing Manulife Bank mortgage; Manulife Bank Select, Manulife One for Business, Manulife Commercial Amortizing Mortgage, Manulife One Equity Advantage lending programs, Small Business Owner lending programs and Investment Property lending programs.

The insurable Manulife Bank Select 5-year fixed term rate is 2.54% for loan to values up to 65% and is current as of November 4, 2021. The rate applies to new personal owner-occupied mortgages on primary residence with a value less than $1 million, who also meet additional insurability requirements. Interest is compounded semi-annually, not in advance. Subject to credit approval. Contact us for special offer terms and conditions. This is a discounted rate program. The posted 5-year rate is 2.89% and is current as of November 4, 2021. All rates are subject to change. Not eligible are: second position accounts; a roll-in from second to first position; a transfer from an existing Manulife Bank Select to a new property; an increase or change to an existing Manulife Bank Select account; a transfer from another existing Manulife Bank mortgage.

** The insurable and uninsurable Manulife One 1-year fixed term rate is 1.99% and is current as of November 4, 2021. For insurable Manulife One, the rate applies to new and existing personal owner-occupied mortgages on primary residence with a value less than $1 million, who also meet additional insurability requirements. For uninsurable Manulife One, the rate applies to new and existing personal owner-occupied 1st position accounts on primary residence who do not meet additional insurability requirements. Interest is compounded semi-annually, not in advance. Subject to credit approval. Contact us for special offer terms and conditions. This is a discounted rate program. The posted 5-year rate is 2.89% and is current as of November 4, 2021. All rates are subject to change. Not eligible are: second position accounts; a roll-in from second to first position; a transfer from an existing Manulife One to a new property; an increase or change to an existing Manulife One account; a transfer from another existing Manulife Bank mortgage; Manulife Bank Select, Manulife One for Business, Manulife Commercial Amortizing Mortgage, Manulife One Equity Advantage lending programs, Small Business Owner lending programs and Investment.

^† The high-ratio Manulife Bank Select mortgage 5-year variable term rate is 1.35% (Manulife Bank Prime minus 1.10%)  and is current as of November 4, 2021. The rate applies to new owner-occupied Manulife Bank Select High Ratio Purchase and Manulife Bank Insured Lender Switch mortgages up to $1 million, and is for new deals only. Subject to credit approval. Contact us for special offer terms and conditions. This is a discounted rate program. Interest is compounded monthly, not in advance. Variable Rates change with Manulife Bank Prime rate and is subject to change without notice.

¹ APR is the effective, or total, interest rate you pay on your mortgage. It takes into account both the advertised interest rate and any fee you need to pay to set up the mortgage.

² Variable-rate sub-account interest is compounded monthly, not in advance. Interest is calculated on the daily closing balance and posted to your account monthly. Variable Rates change with Manulife One Base Rate and is subject to change without notice.

³ Fixed-rate sub-account interest is compounded semi-annually, not in advance. Interest is calculated on the daily closing balance and posted to your account monthly.

⁴ Manulife Bank Prime Rate is a variable rate and subject to change without notice.

⁵ Variable-rate interest is compounded monthly, not in advance. Variable Rates change with Manulife Bank Prime rate and is subject to change without notice.

⁶ Fixed-rate interest is compounded semi-annually, not in advance.