 Hello everyone. This is financial author Ahmed Dunn of Ahmed Dunn.com. On this channel, you'll find financial travel and more videos just like the one you're watching right now. If you like what you see, please give it a thumbs up and consider subscribing. Hello everyone. This is financial author Ahmed Dunn of Ahmed Dunn.com. Today I'll have another episode of unboxing and brief review video. And I'll be presenting the CIBC AeroGold Visa Infinite great card. I'd like to mention that this is not a paid or affiliated review. All my reviews are unbiased and non-affiliated. So what you're gonna hear and the opinions are totally honest and unbiased. And I'm expecting this review about 15-20 minutes long. I'm going to cover lots of things. For example, Linkshun's coverages and how does this card compare with another airplane great card, which is the TD Airplane Visa Infinite Great Card. So stick to the end of this video and you'll be learning lots of important information which will help you to make a wise decision based on all the information I'm going to be providing you today. Now I have another review and unboxing video of another great card which is the American Express airplane plus gold great card. I applied for that card and the CIBC AeroGold Visa Infinite card at the same time. So that review and unboxing is going to be published before this one. And I'm not going to compare the American Express AeroGold airplane plus great card with the CIBC AeroGold Visa Infinite. Because American Express airplane plus card doesn't offer many insurance features. But this card which is the CIBC and the other card is TD. They are very similar and they offer lots of features. For that reason I'm going to be comparing these two great cards. So let's start the unboxing and then as I go through the unboxing and I'll provide you more information and features of this great card. So here is the full package and here's the back side of the package. So slowly I'm going to take out the whole thing out of the envelope. Okay so the envelope is empty now and I'll put it here. And so this is the whole package you'll be receiving with this card if you apply for this card. And then here is the introductory letter and here we have the card inside or on the back. I'll set this aside for now. Let's go through some features and then on the brochure and then I'll come back to that card. So we have a brochure or manual which I'll go through shortly. And then we have these two pieces. Let's take a look at these. Okay so this is important information about travel insurance on select CIBC cards. Okay so here this is just some policy changes. I don't need to go through the whole thing here. So I'll just set it aside here and then about this one important information about CIBC mobile payment application. CIBC will no longer support CIBC mobile payment app. Okay so this is not relevant to the great card. So I'll just set it aside here and then we have this brochure here. It looks like a nice looking brochure so we'll go through one by one. Okay so let's take a look here. Okay so it reads this way but when you open it actually it reads this way as well. So here thank you for choosing CIBC our gold Visa Infinite credit card. And here are the some things you need to do. Activate your card, create a Visa Infinite profile. In terms of this Visa Infinite profile if you have a profile with any other Visa Infinite credit card. You don't need to create that again. You can use the same profile. As of this video recording I have three Visa Infinite credit cards. And whenever I call them they ask me which credit card I would like to use and I just tell them the one. So you don't need to do this again and again. You just need to do it once in your life. And then here register, sign up for Apple Pay, enroll in Visa checkout. Okay that's fine. And table of contents. Accelerating your earning and some of the benefits. Okay so we'll go move over to the next page. Okay so here they're talking about the earn rate on this credit card. So you earn one airplane mile for every one dollar. But there is some accelerated categories where you're going to be earning 1.5 miles for each dollar. And these categories are grocery, gas and drug stores. And on aircanada.com purchases. So that's a very nice thing to have at these categories. You're going to be earning more miles. And let's take a look here. And your airplane miles will never expire. Okay so this is an added feature. A steady Visa Infinite airplane has the same feature. So in order to keep your airplane miles active you need to have one transaction each year. So let's say you have this card or even the TD airplane card. And if you do not do any transaction then the system will do a transaction and deposit one airplane mile in your account just to keep the account active. So this is a nice feature. But if you're having this credit card then I highly doubt anyone will not be using this. You know, I will not be having a transaction in a given one year period. Okay so other additional cards. $50 annual fee. If you're having any additional cards. And then authorized user spending limit at no additional charges. Okay. This is a feature actually lots of banks do not offer. So let's say if you're giving your card to someone else then you can control how much they can use. Some cards for example let's say you have $20,000 credit limit and if you give the card to an authorized user the user is going to have full access of the $20,000 limit which is not a good thing sometimes. But with this card you can actually limit the amount the authorized user is going to access. So this is a nice feature. Autopay service to help you on top of your payments. Not important. This is a Taj Mahal. Okay. Here they're talking about airplane status which I don't need to go through. Let's move on here. Okay. So here they're talking about how to redeem airplane miles and fixed mileage flight viewers and all sort of stuff. Now if you're having an airplane card you're going to get the best value of your airplane if you only use that for business class flight redemptions. If you're buying merchandises or if you're just like you know doing other stuff with airplane miles or let's say even if you're a flank economic class then you're not going to get the most value. So I always recommend that whenever you're redeeming any miles for example airplane miles or any other airline miles go for business class redemptions and that's the way you can get the most value of your miles. Booking and cancellation flexibility. Book your ticket up to two hours before departure. We can do that with airplane. Cancel up to two hours before. So these are the common features of airplane. We'll move to the next one here. The Visa Infinite Concierge which is one of my favorite concierges. So basically you can call them anytime and they can do anything for you. It even doesn't have to be travel related. They can book your ticket. They can find you stuff. They can give you tour. Find your tour. But let's say if you want to ask them something totally not related to travel or anything they can do that too. So I use them a lot. For example my last trip to India and Bangladesh a lot of the itineraries were totally made by the Visa Infinite Concierge and I have another trip coming up. Australia, New Zealand, Singapore and most probably Malaysia and the Visa Infinite Concierge will be setting up lots of tours and other items for me as well. So now here are kind of benefits. I don't need to go through it. It says that get access to priority check-in, receive a complimentary first check-back and take advantage of the one-time guest access benefit on Air Canada Maple Leaf Lounge. Priority boarding. These all sound good but the catch is in order to have all these you're going to have to redeem your airplane for Air Canada and you don't want to do that because Air Canada charges hefty fuel surcharges and if you redeem airplane for Air Canada you're going to be paying money unnecessarily. For example if you go from let's say here to Europe or Asia and if you choose Air Canada to fly business class with airplane then you're going to be paying about five to six hundred dollars fuel surcharges but if you choose any other airlines from the Star Airlines airlines then some of them do not charge any fuel surcharges and you can fly it for paying like a total let's say twenty dollars or fifty dollars. For example I flew to Asia recently, Bangladesh from here I didn't pay any fuel surcharges I think I paid maybe twenty or something for the whole trip for one way from Toronto to Istanbul and Istanbul to Dhaka but let's see if I have chosen Air Canada then I would have paid for the same trip five to seven hundred fuel surcharges so you don't want to do that you don't want to fly Air Canada with airplane because they are not good you know giving for flight redemption they charge hefty fuel surcharges. Okay so now Visa Infinite Luxury Hotel Collection that's another benefit of Visa Infinite I'm not going to go into that and here some of the other benefits of Visa Infinite's cover which is they actually give you lots of things so you can just in a check on Visa Infinite Concealed Websites Okay now the insurances which is the most important thing so we'll flip to the next page and here it has a listing of the insurances and I'm going to go through them and I'm going to actually compare them with the TD airplane Visa Infinite card I have some notes here so let's start with the first one just do it this way and bring it close to the camera lens Okay so the first one is the Outer Province Emergency Medical Travel so this is just the medical insurance when you go to foreign countries or anywhere leaving your province then the foreign emergency medical travel kicks in and the amount this card offers is 5 million dollars for each insured person and it has 15 days if you are under 64 and only 3 days if you are over 65 Okay now TD offers very similar insurance coverages but they offer 1 million total instead of 5 million so here CIBC wins you got 5 million dollars coverage and TD only covers 1 million TD meaning TD airplane Visa Infinite card and if you are over 64 then TD has actually 4 days but CIBC has 3 days TD gives you 1 day extra but the total amount is lower 1 million and here we have 5 million that's a very important insurance you need to have whenever you are traveling and the second insurance is trip cancellation and trip interruption so here CIBC in terms of trip cancellation you are getting 1,000 dollars of eligible trip cancellation for each person to a maximum of 5,000 dollars and this is same for the TD airplane Visa Infinite 1,000 and 5,000 and if you look at trip interruption then CIBC is giving you up to 2,000 dollars per insured person and here actually TD wins TD is giving 5,000 dollars per insured person up to a maximum of 25,000 dollars for trip interruption CIBC is giving you 2,000 dollars per person but it doesn't mention here how much is the total so I couldn't tell you how much is the total you can definitely call CIBC if you would like to make sure what is the total amount for example TD's total amount is 25,000 dollars 5,000 per person so TD wins in here and then we have here common carrier accident insurance this one is actually 6,500,000 dollars if accident happens for you or your insured members and then here 500,000 dollars and travel accident TD has actually okay this 2,000,000 dollars but I believe that's different than some not this one this is usually standard for each credit card 500,000 dollars and let's say we have this insurance is total very similar to what we have TD offers and if you need to find out more let's see if you have TD airplane visa infinite card or CIBC aerogold visa infinite and if you need to clarify something definitely you can call their customer services for example for TD I saw a total of 2,000,000 dollars but I don't think that's in each item it's just probably they're adding up 2,000,000 dollars total but I saw for TD airplane visa infinite same 500,000 dollars each item so that's something you can clarify okay now here let's move on to the next one which is the flight delay and baggage insurance which is a very important insurance if you are traveling so CIBC is giving you 500 dollars up to 100 for ground transportation and 100 for entertainment and expenses and if your flight is delayed for more than 4 hours your insurance is also included 500 dollars per uninsured person 1,000 dollars aggregate limit okay so this one actually TD is giving you the same so there's no difference but the baggage delay CIBC is giving you if your trip is delayed for more than 6 hours okay so CIBC is giving you 500 dollars per person 1,000 dollars aggregate limit for lost theft or damage of your checked baggage okay so here CIBC is giving you 500 dollars per person but TD actually has more here TD gives you 1,000 dollars per person and except this everything is pretty much similar for TD as well okay now auto rental loss, auto rental collision and loss damage insurance so this one if you decline the rental company's insurance then your credit card actually covers it and I'm not going to go into detail here but for this one TD and CIBC has the same insurance coverage and the next one is purchase security and extended protection insurance this is usually standard for most credit cards you get 90 days of purchase protection if your stuff are lost, stolen or damaged and you get one additional year warranty than the manufacturer's warranty so it's not too much differences in this section another thing I found that here CIBC doesn't mention anything about lost baggage so my guess is 500,000 dollars that is not clear here you know how much is for lost baggage but it could be 500,000 dollars but if you need to clarify definitely you can call CIBC okay so move on to the next section our next page so here we have just how to manage your money online I don't need to go into details about that emergency card replacement up to 5000 dollars in emergency cash that's standard for most credit cards enhanced monthly statement this one actually CIBC statement shows categorized expenses let's see if you're purchasing everything with your credit card then it gives a breakdown of under which category you're spending how much which is I like not many credit card companies does that but CIBC does that so that's a very good feature to have online spend report this one I never used it but it's again a nice feature to have so move on to the next one alert security so here we have a spend alert fraud alert, credit report alert identity theft alert one thing I'd like to mention that if you have a CIBC credit card CIBC actually give you free credit score and free credit alert TD does not do that so CIBC has that and you can access this from your app I check my credit score using the CIBC and other free services and I do have a great YouTube article on free credit score you can watch that later on okay so here important contact information very nothing much and here all the benefits are all the footnotes so here nothing to mention and here's kind of a card and booklet have all the contact numbers listed which is nothing I mean which is a good thing to have and then here is the insurance certificate for out of province medical emergency and all other insurance services which I don't need to go through it okay so there's something I wanted to show you let me just see if I can quickly find it here okay so what I'm looking for is that most of the insurance insurance is this card offer is provided by here Royal and Sand okay where is this here Royal and Sand Alliance Insurance Company RNS this company is a very reputable insurance company I didn't hear any bad reviews or ratings for this insurance company so this is a good thing about this card that you're dealing with a reputable insurance company not like a Scotia American Express Go trade card where the insurance company has lots of bad ratings and reviews and it's very hard to get anything back in case you need to submit any claims but this is a good company same as TD TD trade card company trade card TD airplane with an infinite card insurance is provided by TDs on insurance which is again a good company to deal with so in terms of insurance providers if you ask me to choose between let's say TD and CIBC depending on the insurance provider I would go with CIBC because of the Royal and Sand I like them and they're one of the best providers in Canada and I never heard any bad ratings or reviews or any bad experience about them so that would be my choice but TD is not bad either so we're gonna leave it here for now so that one is done and let's go back to your introductory letter okay so here just a standard letter thank you for choosing your trade card your payment is coming and then if we flip on the other side then I'm going to be showing you some okay so here it's not much just standard trade card terms and conditions and actually I had difficulty with this trade card you know because they lost my application and I have a separate video about that experience you can watch it later and I'll keep also it will be on my YouTube channel or I'll give a link in the description box below if I don't forget okay so now let's go to the final segment of this video we're going to take off the card and I'll show you the CIBC Airgold Visa Infinite Quaker okay so I'm removing it from the letter and just give me a few seconds here okay so here's the CIBC Airgold Visa Infinite Trade Card here you have the Visa logo right here the only thing I complain about this that you cannot really see the infinite return here it's very hard to see so infinite trade cards are high end trade cards and if you have infinite return on it then it should be clearly visible but this one is not really visible it's very difficult to see most people wouldn't even notice that this is an infinite card okay so here we have the CIBC Airgold Visa Infinite Trade Card if you like what you see please give it a thumbs up and consider subscribing and I do have more trade card reviews and trade card tips and lots of articles on my YouTube channel so if you like them, subscribe and there will be new videos coming up shortly thank you