Manulife Bank Visa Infinite* Card Annual Interest Rates These interest rates are in effect the day your account is opened (whether or not your card is activated). Purchases, fees, and other charges: 21.99% Cash Advances and Balance Transfers: 22.99% If you do not make your minimum payment by the payment due date 2 or more times in any 12-month period, your annual interest rates will increase to standard rates of 25.99% on Purchases, fees, and other charges and 27.99% for Cash Advances and Balance Transfers, including those done under any previous rate. This increase will take effect in the third statement period following the missed payment that caused the rate to increase. The increased rates will remain in effect until you make your minimum payments by the due date for 12 consecutive months.