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  • Valley First Credit Cards

CREDIT CARDS

You'll find a card that's just right for you.

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ALREADY A CARD HOLDER?

Access your Mastercard account online for everything you need to manage your credit card.

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NO FEE & LOW FEE CARDS

Designed to save you money​


Cashback mastercard


  • No annual fee
  • Interest rate: 19.90%
  • Earn DOUBLE points at gas stations
  • Mobile device insurance
student mastercard


  • No annual fee
  • Interest rate: 11.90%
  • Purchase protection & extended warranty
  • Mobile device insurance
classic mastercard


  • $30 annual fee
  • Interest rate: 11.90%
  • Purchase protection & extended warranty
  • Mobile device insurance


TRAVEL CARDS

Fly high with these cards that reward you with travel points


us dollar mastercard


  • $50 USD annual fee
  • Interest rate: 19.90%
  • Earn 1 point for every $1 USD spent
  • Travel insurance coverage up to age 75
travel rewards gold mastercard


  • $99 annual fee
  • Interest rate: 19.90%
  • Earn 1 point for every $1 spent
  • Protection for grandchildren travelling with you
world mastercard


  • $120 annual fee
  • Interest rate: 19.90%
  • Earn 2 point for every $1 spent
  • Travel insurance coverage up to age 75


LOW RATE CARDS

Save with a low annual interest rate​​


centra gold mastercard


  • $50 annual fee
  • Interest rate: 9.90%
  • Earn 1 point for every $1 spent
  • Purchase protection & extended warranty
flexrate mastercard


  • $40 annual fee
  • Flexible interest rate
  • Earn 1 point for every $1 spent
  • Mobile device insurance 

The Valley First Mastercard is issued by Collabria Financial Services Inc. pursuant to a license from Mastercard International Incorporated. Mastercard and the Mastercard Brand Mark are registered trademarks of Mastercard International Incorporated. 


MANAGE YOUR CREDIT CARD ONLINE

Review your transactions, set up alerts, view points and more.


24/7 Cardholder Support


Lost or stolen credit card?

Canada and US: 1-855-341-4643
International Collect: 1-647-252-9564


What can we help you with today?


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How do I activate my card?

Online

  1. Visit mycardinfo.com
  2. Click Enroll located below the Login button.
  3. Follow the steps to create a profile.
  4. When you receive the Card Activation Query message, click Yes.
  5. Enter the three-digit code on the back of your new Mastercard as well as the expiration date and click Continue.
  6. Once the screen displays the Your card has been activated. message, the activation is complete.

By phone

  1. Call the automated card activation service at the number that appears on the sticker on the front of your new card: 1-866-498-3840
  2. Follow the prompts including entering your card number, birth year, birth day and month and the security code that appears on the back of your new card.
  3. The system will confirm the card activation was successful or will transfer you to a live agent to complete the activation.
  4. Do not select the option to change PIN online. Using the PIN mailed to you is simpler.
  5. After activation, discard the sticker from the front of your card. You can now use your Mastercard by using its tap functionality.

How do I change my PIN?

At an EXCHANGE ATM

  1. If you have your PIN, go to an EXCHANGE ATM that is enabled to accept Mastercard, like any Valley First ATM. 
  2. Select the PIN Change option and follow the on-screen prompts.  

By phone

  1. Call 1-866-498-3840, select the language and enter your card number.
  2. On the menu, select the option to Change your PIN and follow the prompts.
  3. The system will confirm the PIN change was successful or will transfer you to a live agent to complete the PIN change.  

I did not receive or have misplaced my PIN

If you didn’t receive your new PIN in the mail or you’ve misplaced or forgotten it, not a problem. You can select a new one during the activation process. Here’s how: 

  1. Call the automated card activation service at the number that appears on the sticker on the front of your new card: 1-866-498-3840 
  2. Follow the prompts including entering your card number, birth year, birth day and month and card the security code that appears on the back of your new card. 
  3. The system will confirm the card activation was successful or will transfer you to a live agent to complete the activation. 
  4. You will then be provided with an option to change your PIN. Press 1 to change your PIN and follow the prompts. 
  5. The system will confirm the PIN change was successful or will transfer you to a live agent to complete the PIN change.
  6. Your first purchase must be made at an in-store terminal as follows: 
  • Insert your card into the merchant’s payment device (tap functionality will not work). 
  • Complete three PIN entries at a POS terminal. 
  • The first two entries will fail and the third will activate your new PIN and complete your purchase. 

Your future Mastercard purchases can now be completed by using its tap functionality or by entering your new PIN only once. 

How do I check my account info (e.g. account balance, statements, etc)?

You currently can't access your credit card information from online banking. You'll need to register on mycardinfo.com. If you have multiple card types, you'll need to register each separately.  

Within mycardinfo.com you can view transactions, statements and your reward points balance. You can also make payments and set up fraud and travel alerts. 

What do I do if I didn't get or can't find my Mastercard?

You can have a replacement card sent to you by following these steps: 

  1. Call Collabria Support at 1-855-341-4643
  2. Follow the prompts, selecting Lost or stolen credit card
  3. You will be transferred to a representative who will assist and advise how a card will be re-issued, including an option to rush delivery. 

How do I make payments to my credit card account?

There are three ways to make a payment to your credit card account. The fastest and recommended approach is to register with mycardinfo.com to make a payment from your account or call Collabria customer support with your account information.   

Alternatively, you can pay in-person at any Valley First branch or you can pay via online banking. If you choose to pay via online banking using a browser or the mobile app, be sure to set up Collabria Mastercard as a new payee and note the transaction could take up to 5 business days to process.  

How do I set up AutoPay?

To set up automatic payments to your Mastercard:

  1. Log into your mycardinfo.com account
  2. Hover over the Payments tab
  3. Select Automatic Payments from the drop-down menu.

You'll then be taken to the AutoPay page. Note: you will need to confirm your email address every 180 days.

  1. Select a payment option from the drop-down menu. You can choose to either Pay the minimum payment each month or to Pay the balance each month.
  2. Select the account type that wish to pay from (either a chequing or a savings account).
  3. Enter the Branch Transit Number followed by the Financial Institution Number of the account you'd like to make your payment from without a space between the two. Valley First's Institution number is 809 and you can find your branch's transit number on our Find Branch/ATM page (for example if your branch is Penticton Main, you will enter 16610809).
  4. Enter your account number. If you're using an Valley First account, you can find your account number in online banking or on mobile banking.
    • In online banking, you can find your account number on the right hand side of your screen under Account Details when you select the desired account.
    • In mobile banking, you can find your account number by tapping the Accounts tile, selecting the desired account and then clicking Account Details just below the account balance.
  5. Click Submit.

Why isn't my payment or transaction showing up?

If you paid using mycardinfo.com, contact Collabria Support at 1-855-341-4643—the number that appears on the back of your Mastercard.   

However, if you paid using online banking, please call our Contact Centre at 1-888-597-8083 and a representative will be able to assist you. 

Where do I find my reward points balance?

You can find your rewards points balance by registering on the rewards site collabriacreditcards.ca/cashrewards or through mycardinfo.com.  

How do I redeem my points?

To explore rewards or redeem your points, visit collabriacreditcards.ca/cashrewards.  

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