Welcome to the world of benefits; without effort, you can become a member of the PC Financial World Elite Mastercard. Besides providing a smooth shopping experience through this credit card, it gives you an unbelievable amount of PC Optimum points, the most appealing loyalty program in Canada for grocery shopping. 

Whether you’re stocking up on groceries or treating yourself to a little luxury, this card enhances every shopping experience without the burden of an annual fee, ensuring you get more out of every dollar spent. Check now!

Main features of the PC Financial World Elite Mastercard

President’s choice financial, the issuer of the PC financial world elite mastercard, appeals to cost conscious and quality conscious consumers in the market. This card is suitable for persons with a minimum of $80,000 spending capacity per annum, per individual or the families that have a combined household income that is over $150,000. 

It differs from others, especially by its claim that it has no annual fee and is suitable for those seeking to get the maximum of their rewards without additional charges. It stands out from the crowd, particularly due to its claim of no annual fee, making it ideal for individuals looking to maximize rewards without incurring extra costs.

Understanding the annual fee 

The PC Financial World Elite Mastercard, however, is not similar to most of the other high-end credit cards since, it does not have an annual fee. This particular feature is somewhat a major selling point for the card holding junta, which has its eyes set on some points without having to part with cash in the usual manner that is seen with the high-end cards.

Deciphering credit limits

Like any other credit card, PC Financial World Elite Mastercard credit limit depends on the general credit score, salary and general financial situation of the cardholder. Thus, a person can be sure that he or she will be offered a credit limit corresponding to one’s financial capacity, thus having some freedom while at the same time trying to accumulate bonus points.

Advantages of the PC Financial World Elite Mastercard

• Earn PC Optimum Points Everywhere: Save as much as 45 points per dollar as a grocery flying with participating stores such as Loblaws, Shoppers Drug Mart, as well as Esso Mobil. This high earn rate immediately boosts the amount of PC Optimum points you earn and these points can be exchanged for various products and groceries.
• Travel and Purchase Insurance: Offer wide ranging programs like Travel Emergency Medical Insurance and Car Rental Collision/Loss Damage Waiver which will help during travels and while renting cars.
• Concierge Service: Get the services of a twenty-four hour concierge to help with making bookings for hotel and restaurant, ticketing for events and all other requests making your lifestyle all the more lavish.

Standout advantage

It is impossible to ignore the fact that this card’s major strength phenomenal rewards program, the PC Financial World Elite Mastercard. At 45 points for every $ 1 spent at certain stores like Esso Mobil, Shopper’s Drug Mart and more, the cardholders get rewarded with points that can turn into free groceries besides the added pleasure of shopping.

Addressing potential drawbacks

• Income Requirements: This card requires that the applicants should earn $80,000 individually or $150,000 together with their household members. This requirement may help to exclude the possible cardholders who do not fulfill these income criteria.
• Interest Rates: The card has a purchase interest rate which stands at 21% as is observed with most cards. 99% that are characteristic of premium credit cards. One of the things that may be quite uncomfortable to handle is your balance since this determines the interest you will be charged.

Standout disadvantage

Nevertheless, there is one major disadvantage for the PC Financial World Elite Mastercard – income requirement. In this criterion, those with low income but can take benefit from the card since they get rewards on spending are excluded as they will not be financially capable as required.

Eligibility criteria 

Lenders of the PC Financial World Elite Mastercard require candidates to meet certain qualifications for them to be prompted the credit card. This is through meeting a minimum requirement of earning a personal income of $80000 every year or a household income of $150000. Secondly, credit approval entails the assessment of the applicant’s financial past and present situations.

How to apply for the PC Financial World Elite Mastercard

Are you ready to begin collecting Points for shopping that you do on a daily basis? By visiting the PC Financial official website one is able to apply for the PC Financial World Elite Mastercard. Keep on reading to discover the different application methods and what application method is most appropriate for you.

Via website

Applying for the PC Financial World Elite Mastercard online offers a streamlined and hassle-free experience, eliminating the need for cumbersome paper forms. Simply visit the official PC Financial website, navigate to the credit card section, and access comprehensive details about the card’s benefits and application process. 

Fill out the online application form with all required information, ensuring accuracy to expedite the approval process. Rest assured, your personal and financial details are securely protected during transmission, ensuring a safe and confidential application submission.

Through the mobile application

If you prefer the convenience of mobile applications, the PC Financial Mobile app offers a user-friendly application process. Available for download on major app stores, it provides straightforward access and intuitive navigation. 

Simply tap or click to download the app, create an account, and proceed to complete the application in just a few simple steps. The app guides you through each stage efficiently, ensuring a seamless experience that takes only minutes to complete.

Through the store/branch

As discussed earlier, the PC Financial mainly focuses on the online and applications so, there are no branches where one can personally visit in order to apply for any of the services. This eclectic approach of applying innovation is indeed helpful to all the applicants and enables them to handle their credit card applications and their accounts online.