REFERRAL PERKS®
Earn $100* for you and your friend for every successful referral.
- Click on Activate on card image
- Enter Expiration Date and Security Code
- Click Activate
PERSONAL CREDIT CARDS
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Cash Back World Elite® Mastercard
Premium travel benefits* Reward points1 Exclusive World Elite® benefits* 
Centra Gold Mastercard®
Low annual fee Low interest rate3 Reward points1
Not sure which card is right for you? Use our card selector.
Still not sure which card is right for you or have more questions? We can help.
Rewards Calculator
Estimate your monthly spending to calculate how many points you can earn annually! Earn on grocery, transit, dining, entertainment, and more!
CALCULATE REWARDS >
Welcome Points offer
Apply for a Centra Gold card and get up to 2,000 Welcome Points**. Offer valid from January 1, 2025 to December 31, 2025**.
**Terms and conditions apply.
EXPLORE ALL OFFERS >
CARDHOLDER SERVICES
Frequently asked questions
How do I activate my card?
Call the number on the sticker affixed to the front of your card or log in to CardWise and:
How do I change my PIN?
Online
- Log in to CardWise on your desktop or mobile app
- Navigate to the Manage Card menu and Click on Set PIN and follow the prompts
ATM
- Find an EXCHANGE ATM that is enabled to accept Mastercard, like any Envision Financial ATM
- Select the PIN Change option and follow the on-screen prompts.
Phone
- Call 1-866-498-3840 and follow the prompts
I did not receive or have misplaced my PIN
Call 1-866-498-3840 and follow the prompts
What do I do if I didn't get or can't find my card?
You can have a replacement card sent to you by calling 1-855-341-4643 and following the prompts for lost or stolen credit card.
How do I check my account info (e.g. account balance, statements, etc)?
How do I make payments to my credit card account?
There are three optoins to make payments to your credit card.
- Setup a payment by logging into CardWise to setup a withdraw from your bank account.
- Visit a branch and pay in person
- Add Collabria MasterCard as a new bill payee in online banking. Note that a payment in online banking can take up to 5 business days to process.
How do I set up AutoPay?
To set up automatic payments to your Mastercard you must first add a payment account:
- Log into your CardWise account
- Select Make a Payment from the main screen.
- Click Manage Payment Accounts. Click Add Account.
- Fill in banking information and click Add Account. The account is added and ready for use.
- Log into your CardWise account, if you're not already logged in
- Select Make a Payment from the main screen
- Select Autopay
- Choose the payment option. For Custom Amount, enter the dollar amount. Click Schedule
- Click OK. Autopay is now activated
Note: Ensure to make your current payment as your first AutoPay payment will take effect on the next statement cycle.
Why isn't my payment or transaction showing up?
If you paid using CardWise, contact Cardholder Services at 1-855-341-4643—the number that appears on the back of your card.
However, if you paid using online banking, please call our Contact Centre at 1-888-597-6083 and a representative will be able to assist you.
Please note, payments made through online banking can take up to 5 business days to process.
Where do I find my reward points balance or redeem my points?
You can find your rewards points balance or redeem your points by registering on the rewards site collabriacreditcards.ca/cashrewards.
What is CardWise?
CardWise replaced MyCardInfo and is Collabria's new online digital account management tool where you can access your credit card account information 24/7. You can register for CardWise through the CardWise Mobile app or CardWise Online (cardwiseonline.ca). With CardWise, you can check your balance, make payments or set up AutoPay, enroll in eStatements, configure controls & alerts on your account, and more! For more on CardWise visit collabriacreditcards.ca/MyAccount. Business cardholders should visit collabriacreditcards.ca/MyBusAccount for more details on the digital account management platforms available to them.
*Terms & conditions apply. Visit https://www.collabriacreditcards.ca/affiliate_envision-financial/benefits/mastercard-benefits/mastercard-exclusive-benefits/ for more details.
**Terms & conditions apply. Visit https://www.collabriacreditcards.ca/affiliate_envision-financial/offers/ for more details.
1Reward points are earned on net purchases only. Any Cash-like Transactions including Cash Advances, Balance Transfers, and interest charges, fees, payments, credit or debit adjustments and any amount other than Purchases that may be charged to your Account with your Card or Convenience Cheques, do not qualify for Points. For more information visit collabriacreditcards.ca/rewards.
2Insurance coverage is underwritten by American Bankers Insurance Company of Florida (ABIC). ABIC, its subsidiaries, and affiliates carry on business in Canada under the name of Assurant®. ®Assurant is a registered trademark of Assurant, Inc. Details of insurance coverage, including definitions, benefits, limitations and exclusions, are in the Certificate of Insurance. The Certificate of Insurance is available online at collabriacreditcards.ca/insurance. Insurance coverage is subject to change.
3The interest rates are in effect from the date the credit card is approved. For more information, please reference your cardholder agreement or visit online www.collabriacreditcards.ca/cardholder-agreement.
The Collabria Mastercard is issued by Collabria Financial Services Inc. pursuant to a license from Mastercard International Incorporated. ®Mastercard and the circles design are registered trademarks of Mastercard International Incorporated.
Collabria Financial Services Inc. (“Collabria”) is an independent entity from your credit union with no ownership interest in the other. If you choose to obtain Collabria credit card services through a referral from your credit union, it will receive compensation from Collabria.
Meet with us
Speak to an advisor on the phone or at a branch.
We acknowledge that we have the privilege of doing business on the traditional and unceded territory of First Nations communities.
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