Mastercard Features

Diamond North Credit Union Mastercard® Credit Cards and GLOBAL PAYMENTMastercards® come with a variety of features.  Below are descriptions of the various features on any of our cards.  Please consult the card specific pages on this website and choicerewards.ca for exact features and coverage amounts on each type of card.  Also, review the accompanying documentation when you receive your card.

 

Core Features

  • Acceptance at more than 24 million locations worldwide
  • World's largest ATM network
  • 24 hour lost/stolen card assistance
  • Emergency cards and emergency cash

Earning CHOICE REWARDS®

Earn points for every dollar charged in eligible retail purchases:

World Elite® CHOICE REWARDS® Mastercard® 2 points per $1 spent
Low Fee Gold CHOICE REWARDS Mastercard
Low Fee CHOICE REWARDS Mastercard
Student CHOICE REWARDS Mastercard
Global Payment Mastercard
1 point per $1 spent
No Fee CHOICE REWARDS Mastercard 1 point per $2 spent
Find out how many points you could be earning with the Choice Rewards Calculator.

Redeeming CHOICE REWARDS®

You can redeem points for merchandise from the CHOICE REWARDS website, charitable donations or travel (any seat, any carrier, anytime and any destination).  You can also redeem your points for cash rewards through your credit card statement (requires a minimum of 5,000 points to be redeemed.)

    Travel and Cash Rewards are redeemable at 1%, for example:

    • 5,000 points = $50
    • 10,000 points = $100
    • 25,000 points = $250
    Find out your Choice Rewards points balance and redeem your points online or by phone at 1-888-264-3031 (travel) or  1-888-546-5487 (merchandise, cash rewards and charitable donations)

    Faster Checkouts Made Easy

    Did you know that if you have a CHOICE REWARDS Mastercard Credit Card you can experience faster online checkouts?

    When planning a trip, you want to get to your destination... Fast! Filling out your personal information online every time you buy something for your trip can be a hassle. Just register your Choice Rewards® Mastercard® Credit Card at eligible merchants like your favourite travel providers, car rentals, major retailers and hotel sites. When you’re ready to check out, simply sign in, select your card in the payment options and you’re done!

    Shop online and help experience faster, secure and more convenient checkouts.

    Out-of-Province/Country Travel Medical Insurance

    Out-of-Province/Country Emergency Medical and Dental Coverage is travel medical insurance for the first 15 days of each trip outside your province or territory of residence. Coverage amounts vary between cards and can include the following:

    • hospital room and board charges
    • emergency hospital and health care professional services
    • emergency treatments and prescription drugs
    • emergency dental care
    • emergency medical transportation to an appropriate medical facility
    • return home, if required for further medical attention
    • friend or family hospital visits if insured person is travelling alone and hospitalized as an inpatient for more than 3 consecutive days
    • return of deceased
    • return of dependent children
    • return of your vehicle

    Emergency Travel Assistance Services including 24-hour assistance to confirm emergency medical coverage, arrange and pay for emergency medical transportation, to keep in contact with you and your treating physician, to provide travel documents and ticket replacement assistance, to provide legal assistance, to provide emergency cash transfers and to provide emergency messaging assistance.

    All benefits and coverages outlined above are subject to the provisions as outlined in the certificate of insurance that accompanies your card.

    Coverage applies to the primary cardholder under the age of 75, his/her spouse under the age of 75, and eligible dependent children.

     

    Other Travel Benefits®

    Accidental Death Insurance - up to $1,000 will be paid to your beneficiary if you sustain accidental bodily injury causing death

    Common Carrier Accidental Death and Dismemberment Insurance - up to $500,000 coverage when you purchase your ticket with your Mastercard

    Baggage Delay Coverage - up to $300 for expenses for emergency purchase of essential items when baggage is delayed or misdirected for more than 24 hours

    Unexpected Return Home Coverage - in the event of a death in your immediate family, you are covered for up to $2,000 for return travel

    Trip Cancellation Insurance:

    • Applies if you, a family member, or a travelling companion falls ill, experiences serious injuries or passes on unexpectedly, requiring you to cancel your tickets at the last minute
    • Tickets will be refunded up to $3,000 per account per trip
    • You must charge at least 75% of your trip to your Mastercard in order for this to apply

    Emergency Assistance Services:

    • Emergency Cash Transfer
    • Lost Document and Ticket Replacement
    • Lost Luggage Assistance
    • Pre-Trip Information

     

    Purchase Assurance and Extrended Warranty®

    90-day Purchase Protection

    • Protection against loss, theft and damage for items purchased with your Mastercard (lifetime total limit of $60,000 per account)
    • Items will be replaced or repaired, or you will be reimbursed the purchase price 
    • Items given as gifts are also covered 

    Extended Warranty

    • The manufacturer's warranty is automatically extended for up to two additional years for items purchased with your Mastercard 
    • Items must have a valid warranty in Canada

     

    Rental Vehicle Benefits®

    Collision Damage Waiver Benefit - equivalent to that offered by the car rental company, provided you decline the car rental company's optional Collision Damage Waiver

    Car Rental Accidental Death and Dismemberment Benefits - up to $300,000 coverage per accident for you, your spouse and dependent children

    Personal Effects Benefits - if your rental car is damaged or stolen, any personal effects in the car are covered up to $1,000 per insured person, up to $2,000 per rental period

     

    Legal Assistance®

    Legal Referrals and Payment Assistance - in those countries that the MasterAssist Operations Centre deems safe for travel, you will be assisted in locating a legal advisor, and in paying legal referrals and payment assistance (billable to your Mastercard account, and subject to credit availability)

     

    World Elite Exclusive Features

    Concierge Services - Book all your travel needs. Make dinner reservations at trendy restaurants. Reserve tickets for the hottest concerts or shows. And much more. Any costs incurred in connection with these services are charged to your CHOICE REWARDS World Elite Mastercard credit card.

    Price Protection - If you make an eligible purchase with your Mastercard credit card and find the same product advertised in Canada at a lower price within 60 days after purchase, the difference will be refunded, up to $500.00.

     

     

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