How to maximize credit card rewards
1. THE CONTEST
National Bank of Canada is the Contest Organizer of the World Elite – À la carte Travel 2027 contest.
The Contest Period runs from November 5, 2026, to March 31, 2027.
2. WHO CAN PARTICIPATE?
To enter, you must be:
- a resident of Canada;
- of the age of majority in your place of residence when you enter the Contest.
The following persons are not eligible to enter the Contest: employees, representatives and agents of the Contest Organizer, its subsidiaries, advertising and promotional agencies, suppliers of materials, prizes and services related to the Contest, as well as members of their immediate families (brothers, sisters, children, father and mother), their legal or common-law spouses, and all persons with whom those employees, representatives and agents reside.
3. HOW TO ENTER
During the Contest Period, you may enter the Contest as follows:
3.1 Apply for a National Bank Mastercard World Elite credit card as the primary cardholder through one of the links available on nbc.ca, on a partner website or through an advisor between November 5, 2026, and March 31, 2027, and activate the card before the draw.
3.2 Additional entry: during the Contest Period, open a first chequing account with National Bank as a primary holder, joint holder or sole holder, provided that you have not held a chequing account in any of those capacities during the previous two years.
Provided that you comply with these Contest Rules, we will use the personal information you have provided to us (last name, first name, telephone number, including area code, mailing address, including postal code, and email address) and enter it in the database used for the Contest in order to award you one entry in the Contest. You will thereby receive one entry in the Contest.
3.3 No purchase necessary
You may enter the Contest without applying for a National Bank Mastercard World Elite® credit card as the primary cardholder and activating the card before April 30, 2027.
To enter this way, you must:
a. Send us an original handwritten letter of at least 50 words explaining why you would like to win one (1) gift certificate redeemable through the Voyage à la Carte agency’s telephone service, valued at $10,000 CAD (ten thousand Canadian dollars).
b. Include the following personal information in your letter: last name, first name, age, full address, including postal code, telephone number, including area code, and email address.
c. Send only one letter per sufficiently stamped envelope no later than March 31, 2027. The postmark will constitute proof of mailing, failing which the entry will be void. Your letter must be sent to the following address:
National Bank of Canada
“World
Elite – Voyage à la carte Winter 2027” Contest
No-purchase
entry
800 St-Jacques Street
Montreal, Quebec H3C 1A3
Upon receipt of your letter containing all required information, we will enter the personal information you have provided to us (last name, first name, telephone number, including area code, mailing address, including postal code, and email address) in the database used for the Contest. You will thereby receive one entry in the Contest.
Entries obtained in this manner are subject to the same conditions as all other entries.
4. ENTRY LIMIT
There is a limit of one Contest entry per person for applying for the credit card during the entire Contest Period, regardless of the method of entry.
Additional entry:
During the Contest Period, open a first chequing account with National Bank as a primary holder, joint holder or sole holder, provided that you have not held a chequing account in any of those capacities during the previous two years.
5. PRIZE
A total of 5 gift certificates will be awarded in the Contest. One gift certificate will be awarded in each draw in accordance with the conditions set out in section 6.
Each prize consists of one (1) travel gift certificate redeemable through the Voyage à la Carte agency’s telephone service, valued at $10,000 CAD (ten thousand Canadian dollars).
The prize is non-transferable, cannot be exchanged for cash and must be accepted as awarded.
6. DRAW
The draws will be held as follows:
- For applications submitted between November 5 and 30, 2026: January 5, 2027
- For applications submitted between December 1 and 31, 2026: February 5, 2027
- For applications submitted between January 1 and 31, 2027: March 5, 2027
- For applications submitted between February 1 and 28, 2027: April 5, 2027
- For applications submitted between March 1 and 31, 2027: May 5, 2027
Each draw will be held at 12:00 p.m. at our offices located at 800 St-Jacques Street, 28th Floor, Montreal, Quebec H3C 1A3.
At each draw, we will randomly select one (1) eligible entry from among all eligible entries received and registered during the applicable month.
7. CHANCES OF WINNING
The odds that your entry will be selected at random for a prize depend on the date of the credit card application and the number of entrants in the applicable draw.
8. CONDITIONS APPLICABLE ONLY TO A SELECTED ENTRANT
Your entry may be selected in a draw. However, before being declared a winner, you must:
- Be contacted by us within 5 days following the draw.
- Correctly answer, without assistance and within a limited period of time, a mathematical skill-testing question. We will ask you the question by telephone at a mutually agreed time.
- Complete and return to us, within 5 days after receiving it, the Declaration and Liability Waiver that we sent you. By signing the Declaration and Liability Waiver, you will agree:
a. To accept your prize as described in these Contest Rules.
b. That you may not transfer your prize to another person, exchange it for cash or replace it with another prize.
c. That once you have received your prize, the performance of the related services will be the sole and exclusive responsibility of the various prize suppliers.
d. That we may use your first or last name, photograph, image, statement about the prize, place of residence or voice for publicity purposes, without compensation.
e. That we are not liable for any harm you may incur as a result of accepting or using your prize, including any tax consequences. Our subsidiaries, advertising and promotional agencies, suppliers of materials, prizes and services related to the Contest, and their employees, representatives and agents also cannot be held liable.
Within 10 days after receiving your Declaration and Liability Waiver, we will contact you again to explain how your prize will be awarded.
If you fail to comply with these conditions or any other condition set out in these Contest Rules, you will be disqualified. If time permits, we may hold another draw until an entrant is selected and declared a winner. An unclaimed prize may be cancelled.
9. CONDITIONS APPLICABLE TO AN ENTRANT
9.1 Our decisions in connection with the Contest are final and without appeal.
9.2 We, our subsidiaries, advertising and promotional agencies, suppliers of materials, prizes and services related to the Contest, and our employees, representatives and agents are released from all liability relating to:
a. Your entry or attempted entry in the Contest.
b. Any harm caused by downloading a webpage or software or transmitting information for the purpose of entering the Contest.
c. Any limitation on or inability to enter the Contest due to the malfunction of computer equipment, software or a communication line; the loss or absence of network communication; or a transmission that is faulty, incomplete, unintelligible or deleted by a computer or network.
9.3 We do not guarantee that the Contest website will be accessible or operate without interruption throughout the Contest Period or that it will be error-free.
9.4 During the Contest Period, our computer system may be unable to register all entries received. The draw may then be held solely from among the entries that were registered. Entry in the Contest may also end before the end date set out in these Contest Rules. In that event, the draw may be held from among the entries received and registered up to the date of the event that ended participation in the Contest.
9.5 Entry forms, no-purchase entry letters and Declaration and Liability Waiver forms are our property and will not be returned to you.
9.6 We will not contact you in connection with the Contest except as provided in these Contest Rules or on our own initiative.
9.7 We will use some of your personal information to administer the Contest. By entering the Contest, you consent to the use of your personal information for your entry in the Contest or when the prize is awarded.
10. OUR REMEDIES
10.1 We may verify entry forms, no-purchase entry letters and Declaration and Liability Waiver forms. We may reject an entry form, letter or Declaration and Liability Waiver, for example, if it is incomplete, fraudulent or submitted late. A rejected entry form, letter or Declaration and Liability Waiver will not entitle you to an entry or a prize, as applicable.
10.2 We may disqualify you or cancel one of your entries if you enter or attempt to enter in breach of these Contest Rules or in a manner that is unfair to other entrants, such as through hacking or by exceeding the permitted entry limit. You may be referred to the appropriate judicial authorities.
10.3 Any attempt to deliberately damage a website related to the Contest or to undermine the legitimate operation of the Contest is a violation of civil and criminal laws. If such an attempt is made, we reserve the right to reject your entry and seek remedies under the law.
10.4 We reserve the right, at any time and in our sole discretion, to cancel, terminate, modify or suspend the Contest, in whole or in part, if an event or human intervention occurs that may corrupt or affect the administration, security, fairness or operation of the Contest. In all cases, we will not be required to award more prizes or to award a prize other than as provided in these Contest Rules.
11. INTERPRETATION OF THE CONTEST RULES
11.1 In these Contest Rules, the entrant is the person identified on the entry form or no-purchase entry letter, as applicable. The prize will be awarded to that person if they are selected and declared a winner.
11.2 If any provision of these Contest Rules is declared unenforceable by a court of competent jurisdiction, that provision will be deemed null and void, but all other unaffected provisions will remain in force.
11.3 If the English and French versions of these Contest Rules are not identical, the French version will prevail.