Neo World MastercardⓇ
Cashback Category Terms & Conditions
Choose the cashback category option that you want on your new Neo World MastercardⓇ and Neo will update it within 10 business days. Neo will confirm via email once the change has been completed.
Mastercard, World Mastercard, World Elite, and the circles design are registered trademarks of Mastercard International Incorporated.
For Quebec: Monthly statements; 21-day grace period; Minimum payment is the higher of $10 or 5% of total statement balance; Purchase rate is 19.99%-24.99% and cash advance rate is 22.99%-25.99%.
¹ Cashback earn on a) retail shopping and b) food and drink is subject to a monthly spend limit of $500 per category. When monthly spend limit is reached, subsequent spending in these categories earns 0.5%. Spend limit resets monthly. Any refunds, rebates, or similar credits will reduce or cancel the cashback earned on the original eligible purchase. Purchases on Amazon and wholesale are not eligible for retail shopping cashback.
Cashback on retail shopping is only earned from purchases at eligible merchants categorized as Hardware, Electronics, Photography Equipment, Apparel, Footwear, Books, Home & Garden, Sporting Goods, Software, Apps & Video Games, Jewellery, Hobbies & Games, Art, Cosmetics, Pets and Outdoor Gear.
Cashback on food and drink is only earned from purchases at eligible merchants categorized as Fast Food Restaurants, Caterers, Eating Places, Restaurants, Bars, Cocktail Lounges, Discotheques, Nightclubs and Taverns.
Exclusions and eligibility for category cashback are subject to change without notice. Refer to your transaction details for more information. See the Neo Rewards™ Policy for details on earning cashback and other terms and conditions that apply.
² Cashback may be limited and varies by perks, offer, and partner.
³ This insurance coverage is underwritten by Chubb Insurance Company of Canada under a Group Policy issued to Neo Financial Technologies Inc. All coverage is subject to the terms, conditions, limitations and exclusions outlined in the Certificate of Insurance, and for Quebec residents the Summary and Fact Sheet. The cost will be charged to the eligible Neo card that you signed up for the Neo Perks with. Neo, its employees and representatives are not agents of Chubb, nor can they waive or change any terms of the insurance coverage. View the full list of insurance certificates here: https://www.neofinancial.com/legal/plans.
⁴ Cashback earn subject to monthly spend limit. When monthly spend limit is reached, subsequent spending earns 0.5%. Spend limit resets monthly. Recurring payments are payments made on a monthly or other regular basis automatically billed by the merchant to your credit card. Cashback earn on recurring payments subject to $500 monthly spend limit. Cashback not applicable to payments not considered recurring payments or to all merchants. Please check with your merchant for eligibility. Any refunds, rebates or similar credits will reduce or cancel the cashback earned on the original recurring payment. See the Neo Rewards™ Policy for details on earning cashback and other terms and conditions that apply.
To view the Cardholder Agreement, Disclosure Statements, and Mobile Wallet Terms and Conditions, click here.
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