moi

Metro’s Moi Rewards program rewards purchases at six banners: Metro, Super C, Food Basics, Jean Coutu, Brunet, and Première Moisson. It replaced metro&moi. Each point is worth 0.8¢, or $1 for 125 points. You can start using your points once your account reaches 500 points.

Your earning rate depends on the store and province. Metro in Quebec awards 1 base point per eligible dollar. Super C and Food Basics award points through promotions instead. Here is how to manage your Moi card and calculate your savings.

Moi card: account and activation

The Moi loyalty card is separate from a credit card. Canadian residents aged 16 or older can join. Minors must obtain parental consent where their province requires it.

You can enrol through the official Moi Rewards website, use a participating banner’s app, or start registration in-store. If you receive a physical card at checkout, complete your registration online before trying to use your points.

Follow the registration instructions provided when you receive your card. Then use your account or the banner’s app to check your balance, access your digital card, and add coupons. You can reach customer service at 1 866 638-0020.

Deactivate a lost card through your account. Report the loss promptly, then follow the official replacement process. The program retains your points, but you remain responsible for transactions made before you report the loss.

Earn points by store

The official Moi earning chart distinguishes base points from bonus points. Present your card for every eligible purchase, including at banners that do not award base points.

These rates apply to participating stores and eligible purchases. Points are calculated on the net amount before taxes. Rounding can slightly reduce the return on a small transaction.

Compare these rules with Scene+ and PC Optimum. The most useful program depends first on basket prices at the stores you visit.

Excluded purchases

Some products neither earn points nor qualify for payment with points. Examples include tobacco, lottery tickets, gift cards, prescription medication, and SAQ agency products.

Taxes, deposits, environmental fees, and order preparation or delivery charges are also excluded. Additional pharmacy and health product restrictions depend on the province. Consult the official terms for the full list.

Use bonus offers

Flyers, marked products, and coupons can award additional points. Some offers require a specific quantity, minimum spending, or coupon activation before payment.

Add relevant coupons to your account before shopping. Check the banner, expiry date, eligible products, and rules for combining offers. Each coupon’s conditions determine how it applies.

Convert points into dollars when comparing a promotion with the regular price: 50 points are worth $0.40, and 1,000 points are worth $8. A $0.40 reward does not offset a product costing $1 more than elsewhere.

A points multiplier applies to the earning rate specified in the offer. It does not automatically multiply every reward or your credit card earnings. There is no guaranteed permanent promotion schedule. Our Moi strategy guide explains how to compare these offers.

Point value and checkout savings

One Moi point is worth CA$0.008, or 0.8 cents. This is the value of a point. Your return on spending depends on how many points you earn per dollar.

You must have at least 500 points in your account before using points. The terms then provide for increments of 125 points. Unused points remain in your account.

For example, using 750 points from a balance of 840 gives you $6 off. You keep the remaining 90 points. You must reach the required balance again before another exchange.

Present your card at checkout and ask to use your points. Some participating online shopping services also support this option. Check your banner’s service conditions before placing an order.

The limits are $200 per transaction and $500 per day. The eligible purchase amount before taxes must cover the reward used. Points cannot be cashed out.

Do Moi points expire?

Points can expire after 18 consecutive months without a purchase or reward transaction using your Moi card. The terms allow Metro to close the account after written notice.

The help centre states that it sends an initial notice after 16 months of inactivity and a final notice at 18 months. Signing into your account does not replace an eligible transaction. Present your card regularly and watch for notices sent to your email address.

Add credit card rewards

Moi points reward your purchase. A credit card can add rewards for the payment. Choose one based on your budget, fees, and eligibility, then pay the balance in full.

Scotia Momentum: check eligibility

The Scotia Momentum^® Visa Infinite +* Card earns 4% on eligible groceries and recurring bill payments. These purchases share a $25,000 annual spending cap, after which the rate falls to 1%. The regular annual fee is $120.

Before applying, check Scotiabank’s income or asset requirements and the card tier offered. Approval also depends on your credit application. Visa must classify the purchase in the eligible category.

BMO CashBack: a monthly cap

The BMO CashBack^® World Elite^®* Mastercard^®* earns 5% on the first $500 in eligible groceries per statement period, then 1%. The regular annual fee is $139.

The advertised minimum annual income is $80,000 for an individual or $150,000 for a household. The $500 cap covers all eligible grocery purchases, even across several stores. Mastercard must classify the merchant as a grocery store.