Non-Interest Charges: Funds Advance Fee: $2.75 each; Dishonoured Payment Fee: $25.00 each; Statement Reprint Fee: $3.00 per statement; Overlimit Fee: $29.00 will be charged when you exceed your credit limit; if you continue to exceed your credit limit until the end of subsequent billing period(s), it will be charged at the end of each billing period. Charges made in foreign currencies: the conversion commission is 2.5% for each charge. Except as otherwise noted, these fees and commission will be charged when they are incurred and will be included on the next statement.
1. Account must be in good standing. Holt Renfrew Rewards points will be earned on the amount of all purchases, less credits and returns. Funds advances, finance charges, Amex Cheques, balance transfers, annual fees (if applicable), other fees, and charges for travellers cheques and foreign currencies are not purchases and do not qualify for points.
2. Points are redeemable for whole dollar amounts with a minimum redemption of 5,000 points required for a $50.00 Holt Renfrew E-Gift Card. All point redemptions are equivalent to 1% of your total accumulated points (i.e. redeem 10,000 points for a $100 Holt Renfrew E-Gift Card). Point redemptions are subject to the terms and conditions of the Holt Renfrew Rewards program.