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 Payment with Points & Financial Products with Points1

Make a payment to your CIBC Aventura® or CIBC Gold Visa* Credit cardbalance with Payment with Points2. Or use Financial Products with Points to make contributions to or payments for select bank products3,4,5,6.

It’s all done quickly and easily online, with no need to visit a branch.

Payment with Points

Use your CIBC Aventura or Gold Bonus points to make payments towards your Aventura or Gold Visa credit card balance2. Redemptions start at 4,000 points for a $25 payment.

Aventura Visa Infinite Credit Card

Financial Products with Points

Reach your most important financial goals faster by using your CIBC Aventura or Gold Bonus points to make payments or contributions towards the following CIBC financial products:

  • Make a Residential Mortgage Prepayment (Note: Cannot be used in lieu of regular payments)3
  • Make a contribution to a CIBC Tax Advantage Savings Account (TFSA)4
  • Make a contribution to a CIBC Daily Interest Savings Account (RRSP)4
  • Make a payment towards a CIBC Personal Line of Credit (PLC)5
  • Make an additional payment towards a CIBC Personal Loan5
  • Make a deposit or contribution to your Self-Directed CIBC Investor’s Edge brokerage account.6

Redemptions start at 12,000 points for a $100 payment or contribution to an existing CIBC financial product. Redeeming is easy. You will be able to select from your existing products on CIBC Online Banking® and CIBC Mobile Banking®.

Redeeming is easy

To Redeem for Payment with Points and Financial Products with Points follow these simple steps:

From CIBC Online Banking®:

  1. Sign in to CIBC Online Banking®
  2. Click on the name of your card to see the Accounts Details page.
  3. Click on the “Payment with Points” link under “Payment to be Posted” as shown in image below.
  4. Fill in the form and submit.
  5. Your redemption will be processed in up to 5 business days with no need to visit a branch.
screenshot displaying location of Payment Points link

From CIBC Mobile Banking®:

  1. Sign into CIBC Mobile Banking®
  2. Click the menu icon on the top left to open the left menu.
  3. Click on Customer Services
  4. Click on “Payment with Points” under Credit Cards as shown in image below and complete the form.
  5. Your redemption will be processed in up to 5 business days with no need to visit a branch.
screenshot displaying location of Payment Points link

You can also call 1-800-465-4653 to redeem.

Go to CIBC Online Banking®

*Trademark of Visa Int., used under licence.

All other trademarks are owned by CIBC or related entities.

1 Only primary cardholders are permitted to perform a “Payment with Points” or “Financial Product with Points” redemption. Authorized Users and Delegates are not eligible. Redemptions are non-refundable, non-exchangeable and non-transferable unless you are advised otherwise. Requested redemption amount must be equal to or less than the cardholder’s available points balance. Points to dollars conversion ratio is determined by CIBC and can be changed at any time without notice.

2 Payment with Points redemption towards credit cards balances will be reflected within two business days.

3 Points can only be used to prepay outstanding principal. The prepayment cannot exceed the amount of your annual prepayment privilege. You can find this amount in your mortgage documents, or in Mortgage Loan-Details in the My Accounts section of Online Banking. A prepayment can only be made on a regular mortgage payment date. You must submit this request at least 5 business days before the regular payment date on which you want the prepayment applied. The prepayment will be visible through online banking within 5 business days after the regular payment date on which it is applied.

4 Eligible registered savings accounts for contributions from Aventura / Gold points redemptions are: RRSP Daily Interest Savings Account (DISA); and TFSA Tax Advantage Savings Account (TASA). Cardholder is responsible for ensuring their contribution amount does not exceed their CRA issued contribution limit.  Points redemption contributions must be from the cardholder’s existing Aventura / Gold product to their DISA or TASA. Posting of Aventura / Gold point redemption contributions to DISAs or TASAs can take up to 3 business days.

5 Redemptions can only be applied towards existing personal lending accounts. Eligible personal lending products must have a balance owing. Posting of Aventura / Gold point based payments to the cardholder’s respective personal lending account will be visible through online banking within 5 business days from the processing date.

6 The following Investor’s Edge accounts are eligible for Financial Products with Points: Registered Accounts (RRSP, RRIF, TFSA, RESP) and Investment Accounts (Cash, Margin, Options). Financial product rewards transferred to a Registered Account will be applied as a cash contribution by the cardholder. The cardholder is responsible for ensuring the amount does not exceed any contribution limit applicable to the Registered Account. Cardholders can contact CIBC Investor’s Edge at 1-800-567-3343 in order to apply a Financial Product Reward into their existing CIBC Investor’s Edge account, or to open a CIBC Investor’s Edge account and then arrange for the financial product reward. Posting of cash credit to the Cardholder’s CIBC Investor’s Edge account can take upwards of 4 business days. Cash credit received in connection with a financial product reward can be used to purchase any available investment product (including stocks, mutual funds, GICs, precious metals, etc.)

Every Airline, Every Flight, Every Seat, and points that don't expire.*

CIBC Aventura®
Visa Infinite* Card


15,000 Aventura Points
Welcome Bonus after first purchase**

Apply Now

CIBC Aventura®
Gold Visa* Card


15,000 Aventura Points
Welcome Bonus after first purchase**

Apply Now

CIBC Aventura®
Visa* Card


5,000 Aventura Points
Welcome Bonus after first purchase**

Apply Now

CIBC Aventura®
Visa* Card for Business


20,000 Aventura Points
Welcome Bonus after first purchase**

Apply Now