†Promotional AIR offers remain subject to: (i) your MBNA credit card account being in good standing during the promotional period, and (ii) your financial status not having changed since the date we initially determined that your account was eligible for a promotional AIR. The promotional AIR will increase at the end of the promotional AIR period or if you are late making any minimum payment, and any remaining balances will become subject to the applicable standard AIR.

✪Balance transfers and access cheques must be repaid and otherwise dealt with according to the terms of your Account Agreement and are subject to credit availability. Balance transfers and access cheques cannot be used for repayment of any account established or maintained by MBNA or its affiliates. THERE WILL BE A TRANSACTION FEE EQUAL TO [1%] OF THE DOLLAR AMOUNT OF EACH BALANCE TRANSFER INITIATED WITH THIS APPLICATION. A MINIMUM FEE OF [$7.50] WILL APPLY TO EACH BALANCE TRANSFER TRANSACTION. See your Account Agreement for full details.

‡ These are highlights of the credit card rewards program (the “Program”) associated with this credit card account. Points will be awarded on eligible transactions charged to your account as set out in the Program terms and conditions. Complete terms and conditions describing Program eligibility, accrual and redemption of points, and other important conditions, limitations and restrictions will be sent after your account is opened. Please read the terms and conditions carefully upon receipt.

†† To qualify for this offer, an applicant must be approved for the specific credit card account described in the offer. The account must be used for at least one eligible transaction that is not subsequently rescinded, the subject of a charge back request or otherwise disputed. Please allow 8–10 weeks from the transaction date for bonus points to be posted to your points account. Limit one-time bonus point offer (no cash value) per new account. This promotion is offered by MBNA and may be amended or cancelled at any time without notice.

*To qualify for this offer, you must complete a credit card application for the credit card product noted above and be approved. This offer is only available through LowestRates.ca. Valid for new MBNA cardholders only. One gift card per customer.

*Terms and Conditions -

• To qualify for this offer, you must complete an application for an MBNA credit card contained in the offer after going through the LowestRates.ca checkout process and be approved. Applications must be submitted by August 31, 2016 and please allow 3-4 weeks after your approval to receive the gift card in connection with this offer.
• This offer is only available through LowestRates.ca.
• Valid for new customers only.
• Only one gift card per customer.
• By clicking "Apply Now" and applying for this credit card account through LowestRates.ca, you consent to the disclosure of your account approval by MBNA to LowestRates.ca for the purposes of (i) fulfillment and delivery of one gift card to you upon approval of your application in connection with this offer; and (ii) fulfilment of contractual obligations between MBNA and LowestRates.ca in connection with this offer.
• MBNA is not responsible for the fulfillment of this gift card.
• This offer cannot be combined with any other offer and is subject to change without notice.
• For any questions about this gift card offer, please contact LowestRates.ca at 1-855-550-3133.
• MBNA is a division of Toronto Dominion Bank. MBNA and other trade-marks are the property of The Toronto Dominion Bank. All trade-marks are the property of their respective owners.
• The Toronto Dominion Bank is not responsible or liable for any aspect of this offer. LowestRates.ca and The Toronto Dominion Bank reserve the right to amend or cancel this offer or refuse this offer to any person at any time in their sole discretion without further notice.