Points can be earned through:
- use of a PC Financial debit card at a participating Loblaw Companies-affiliated store. Debit card holders accumulate points at Loblaws stores, though Quebec residents can not apply for this debit card. (All other banking, such as deposits and passbook updates can be done at a CIBC bank machine.)
- purchases with a PC MasterCard.
- paying for PC Insurance products with a PC debit card or MasterCard.
- banking transactions and mortgages with PC Financial.
- PC Plus: Use of the recently enacted PC Plus Card (as of April 2013 in Ontario as a test launch and in all other provinces in November 2013), which offers additional bonus points if a customer buys a 'linked item' (usually distinguished through in-store signage), or through online email offers as PC Plus gradually tailors bonus points offers to customers' purchasing habits.
The stated rate of point acquisition is 10 points for every dollar spent on the PC MasterCard, or 5 points per dollar spent on the debit card wherever PC products are sold (excluding Quebec). Because 1000 PC Points are valued at $1, every $100 spent with the PC MasterCard earns $1 worth of points and every $200 spend with the debit card wherever PC products are sold earns $1 worth of points. Promotions are sometimes used to give bonus points on specific products. For example, a bonus of 10 PC Points (a value of 1 cent) can be earned for each PC Green shopping bag used at a Loblaw-affiliated store and paying with a PC Financial debit card or PC MasterCard. Extra PC points can also be offered using coupons or multiple PC points can be offered if the store flyer advertises multiple points for that PC product.
Points can be redeemed for free groceries or other rewards. Points may be redeemed once a customer has 20,000 points or more banked. Customers must also have a second form of payment once points are redeemed (as customers can only use points in multiples of 10,000, depending on the total or amount of points the customer has banked). Points may not be redeemed for items such as alcohol, tobacco, lottery tickets, prescription medication and milk in Quebec.
As of May 31, 2007, PC Points is no longer an exchange partner with Petro-Canada's Petro-Points program.
- PC Points promotional website: About PC points
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