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What amounts are eligible for SmartPlan (“Eligible Amounts”)?


Large individual purchase amounts

Any individual purchase of $500 or more made in the last 30 days and not covered in your last payment.

For Altitude Business cards, the purchase amount must also be less than $15,000. You can view your eligible purchases in Online or Mobile Banking via the transaction listings on the Account Activity page or Step 1 of the 3-step setup process.


Balance amounts

Any outstanding purchase, cash advance or Promotion Plan (e.g. Balance Transfer) balance of $200 or more. Note that Promotion Plans must have a remaining term of at least 3 months, but where more than 36 months are remaining on a Promotion Plan, any SmartPlan will be capped at 36 months.

You can view your eligible balances in Online or Mobile Banking.

SmartPlan eligible credit cards: