^Rewards

The World Mastercard unlocks premium-level experiences designed to bring valuable rewards on your purchases and travel.

• Earn 3 points for every $1 spent on Grocery¹
• Earn 2 points for every $1 spent on Dining and Entertainment²
• Earn 1 point for every $1 spent on all other purchases
   

To earn the rate in each category, eligible purchases must be made with merchants assigned to that category. Categories are assigned based on merchant category codes (MCC) set by Mastercard. The payment networks assign each merchant to one MCC, even if they offer a variety of products and services. For example, gas stations, grocery stores and drug stores all sell several different products, but all purchases from these merchants - regardless of the type of product - are always categorized under the merchants MCC. Collabria doesn't control the merchant categories that Mastercard sets. Depending on the card, earning categories may include: 

Sustainable Transit: commuter passenger transportation (local and suburban), taxis, limousines, buses and electrical vehicle charging stations (codes 4111,4121, 4131, 4789, 5552); 

Select Recurring Bills⁺ & Digital Streaming: telecommunication services including but not limited to local and long-distance calls; cable satellite; other paid television/radio/streaming services; record shops; digital goods - media, books, games, applications (excluding games) and large digital goods merchants; direct marketing - continuity/subscriptions merchant; DVD/Video tape rental stores; and video game arcades/establishments (codes 4814, 4816, 4899, 5735, 5815, 5816, 5817, 5818, 5968, 7841, 7994);

Gas: service stations with or without ancillary services; automated fuel dispensers (codes 5541, 5542);

Entertainment: movie picture theatres, theatrical productions and ticket agencies; bands (concerts), orchestra, tourist attractions and exhibits; amusement parks; circuses; carnivals; aquariums; cable; satellite; and other pay television/radio/streaming services (codes 7832, 7922, 7929, 7991, 7996, 7998, 4899);

Dining: eating places, restaurants, fast-food restaurants (codes 5812, 5814);

Grocery: grocery stores and supermarkets (code 5411). 

Collabria cannot guarantee the category set for each merchant or that merchant you purchase from has the eligible MCC. Collabria can only award rewards or cash back on eligible purchases based on the merchant's MCC. Rewards and cash back earned are subject to certain conditions.

⁺Note: Select recurring bills and digital streaming are defined as payments made monthly and automatically billed by the merchant to your Cash Back card or World Mastercard by the merchant. Not all ongoing payments will be considered recurring bills and therefore may not earn bonus rewards. This includes bills and subscription payments such as: cell phone bills & phone services (telecommunication services), streaming services (video or music), digital downloads, cable, satellite, and other pay television/radio/streaming services.

^Insurance

Emergencies happen. Things break. Your card includes extra benefits to help you get the assistance you need around the clock and around the world.

• Emergency Health Care Coverage - 60 days, up to 75 yrs, including intergenerational coverage¹
• Lost or Delayed Baggage Coverage¹
• 24/7 Travel Assistance¹
• Unlimited Trip Interruption Insurance¹
• Auto Rental Collision/Loss Damage Insurance for vehicles rented up to 48 consecutive days²
• 90 days purchase protection on eligible purchases made with your card²
• Double the manufacturer's warranty (up to one year) on eligible purchases made with your card²
• Mobile Device Insurance²

¹ Insurance coverage is underwritten by Desjardins Financial Security Life Assurance Company. For details of the coverage, refer to your insurance contract here. Some conditions and restrictions apply. Insurance coverage is subject to change.

² Insurance coverage is underwritten by American Bankers Insurance Company of Florida (ABIC). ABIC, its subsidiaries, and affiliates carry on business in Canada under the trade name of Assurant®. ®Assurant is a registered trademark of Assurant, Inc. Details of insurance coverage, including eligibility, limitations and exclusions, are in the Certificate of Insurance. The Certificate of Insurance is available online here. Insurance coverage is subject to change. If you are an existing Collabria Cardholder you can file a claim or check your claim status here.

File a claim or check your claim status

For Travel Insurance, call Desjardins at 1-800-463-1623 toll free from Canada and the United States, collect at 418-647-5299 from anywhere in the world.

For all other insurance, click "File a Claim".

^®The Collabria Mastercard is issued by Collabria Financial Services Inc. pursuant to a license from Mastercard International Incorporated.

^®Mastercard, World Elite and the circles design are registered trademarks of Mastercard International Incorporated.

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When you switch to eStatements between July 1 and July 31, 2025, you’ll receive a $5 statement credit^*. Also, Tree Canada will plant a tree on your behalf^*, valued at $5 per tree. ^*Click here to view the offer Terms and Conditions.