MasterCard Credit Cards



19.99% / $95 per year

Regular annual interest rate on balance transfers and cash advances



Rewards Plan: Included

Additional card

No fee

Minimum credit limit

$1,000 (depending on your credit file)

Generous rewards plan

Each time you make a purchase with your Ovation Gold MasterCard, you earn points that can be redeemed for great rewards! For each dollar spent, you earn 1.25 points.

  • Use your Ovation Gold card for every day purchases
  • Earn 1.25 point for every dollar charged to your credit card
  • Redeem your points at the online Boutique and discover a variety of rewards including many available exclusively on the website!

Save on banking products and services*

The OVATION Gold MasterCard comes with valuable banking privileges. These privileges are offered exclusively to the main OVATION Gold cardholder. However, additional cardholders who already get a discount on safety deposit box rental, will continue to benefit from that privilege.

  • An automatic 50% discount** up to $5 per month, on all banking packages as well as the ClickStudent banking program.
    Click here to see how you can save.
  • No monthly fees for the Perspective banking program (clients aged 60 and over).
  • 200 free personalized cheques per year (basic model).
  • 50% discount on the rental of a safety deposit box.

Enjoy an extensive insurance and assistance program

Travel insurance

20% reduction, up to $200, on the regular rate when payment is made with your OVATION Gold MasterCard for travel insurance bought through Quebec Blue CrossTM for trips of 30 days or less.

Vehicle rental insurance

Liability coverage in case of collision, theft or damage to a rental vehicle, charged to your OVATION Gold MasterCard, for a rental period of 31 days or less.

Coverage of up to $2,000 during the vehicle rental period for loss, theft or damage to your personal effects.

Medical, general and legal assistance 3

In case of medical, administrative or legal problems, you can get help anywhere in the world, 24 hours a day, by calling a toll-free number.

You will be referred to a legal advisor in the event of an emergency, even if you are abroad.

If necessary, bail and legal fees can be paid by means of a cash advance from your credit card.

More than just a card: protection4 you can count on

  • MasterCard's Zero Liability5
    Protects you against all liability for unauthorized purchases made with your credit card. This coverage extends to purchases made in-store, over the phone and online.
  • Purchase insurance
    Provides coverage in case of theft or damage for a period of 180 days following the date of purchase.
  • Extended warranty
    Triples the original warranty period, up to a maximum of two additional years.

Insurance certificate

Consult the insurance certificate  512 kB - 10 pages


1 Subject to credit approval by National Bank.
2 Underwritten by National Bank Life Insurance.
3 Services offered and insured by Canassurance, a subsidiary of Blue Cross.
4 Certain conditions and restrictions apply. For details, refer to in-branch documentation.
5 Certain conditions and restrictions apply. Visit for more information.
* Calculation based on average use of banking services at National Bank.
** The discount represents a privilege granted to main OVATION Gold cardholders who have an eligible National Bank banking program or package issued in their name. The discount can only be granted if the OVATION Gold account is in good standing at the time of the monthly bank account billing. The 50% discount does not apply to financial programs, which already feature preferencial pricing. Eligible packages and programs which already feature a fee exemption (because of a compensating balance for example), or special or negotiated pricing, do not qualify for the 50% discount. Only one monthly discount will be applied per eligible package or banking program. However, a customer having more than one eligible banking package or program will get a discount on each one. Cardholders who are 60 and over are currently entitled to a monthly $5 discount on the Virtuoso and AccessPlus packages. As main OVATION Gold cardholders, they qualify for an additional 50% discount on the reduced monthly fees applied to these two packages, to a maximum of $5 per month.
A minimum 12-month rental is required. See your branch for more information.
Consult the credit card's terms and conditions »

Primary features

Profit from banking privileges and one of the most generous rewards programs. Annual interest rate of 21.99% for cash advances and balance transfers.

Important information
Minimum credit limit $1,000
Annual fee for primary card $95
Annual fee for additional card No fee
Regular annual interest rate on purchases 19.99%
À la carte Rewards Plan Description Brand-name merchandise, gift certificates and À la carte Extras.
Points $1 in purchases = 1.25 points
Reward's annual fee Included
Insurance program
Trip cancellation insurance No
Trip interruption insurance No
Out-of-Province-of-Residence Medical/Hospital Insurance No
Flight delay insurance No
Baggage loss and theft insurance No
Baggage delay insurance No
Purchase insurance For a period of 180 days following the purchase date
Extended warranty on purchases Triples the manufacturer's guarantee up to two additional years
Vehicle rental insurance For a period of 31 days against collision, theft or damage (theft of personal effects $2,000)
Travel insurance/Accident insurance while aboard a common carrier No
Medical, general and legal assistance Yes
Other interesting features

Save every year on your banking fees.


Redeem your points for brand-name merchandise, gift certificates or even À la carte Extras.

Additional Cards

You can have up to three additional1 MasterCard credit cards issued on your account for your spouse or anyone else.

Cards Additional fee per card
Edition No fee
MC1 No fee
Allure No fee
OVATION Gold No fee
Platinum No fee
Ultramar No fee
Syncro No fee
Platinum Business $35
Business No fee


Pre-authorized Debit

You can choose to have your MasterCard account payment automatically withdrawn, when due, from your National Bank account or an account at any other financial institution.

To sign up for pre-authorized debit service

Please call MasterCard Customer Service Center at:
514 394-1427 or 1-888-969-2273


Internet Banking Solutions2 (IBS)

Carry out everyday MasterCard account transactions online at any time:

  • View your account balance and card history
  • See how many rewards points you've accumulated
  • Increase your credit limit

Sign up now to our Internet Banking Solutions.


Travel Protection

Choose to purchase Travel Insurance2, payable once a year, to protect all your trips for a full year. Select your coverage for trips that last a maximum of 15 or 30 days, and enjoy peace of mind all year long!

  • Coverage up to $ 5,000,000 including hospitalization expenses, medical and paramedical expenses, transportation expenses, and allowance for living expenses if you are abroad
  • Refund of expenses if your trip is cancelled or interrupted
  • Coverage of baggage against loss, theft or vandalism

If you are not a Platinum cardholder or if the travel insurance included is not enough for you, call1 800 240-8424.

Annual fees


Payment Protection Plan2

You can also take advantage of optimal protection, which ensures that your minimum monthly payments are made or that your account balance is paid off, depending on the situation.

  • For more information on our Payment Protection Plan, call 1-877-871-7500
  • Consult the insurance certificate at the bottow of each page describing the Nationale Banque MasterCard credit cards.

Balance Transfers3

Avoid the problems of trying to manage several accounts at the same time by transferring the balances of your credit cards from other financial institutions or department stores to your National Bank MasterCard.

Here are 3 easy ways to make a balance transfer:

  1. Online. If you have a bank account with National Bank, open a session via the Internet Banking Solutions, click on the MasterCard tab and select Balance Transfer.
  2. Download and complete the balance transfer application and return it by fax at 514-394-8772 or 1 866-394-8772.
  3. Call our Customer Service Center to ask that a balance transfer application be sent to you: 514 394-1427 or 1 888 9MYCARD

Automated Services

Drop by your local branch and assign a personal identification number (PIN) to your credit card. This enables you to access all your bank account at all times using bank machines in the InteracTM1 and MasterCardTM2 /CIRRUS® network. Network usage fees apply.


Cash Advances

Your MasterCard gives you easy access to cash advances right around the world. Interest is calculated from the day the cash advance is made.



MasterCard SecureCodeTM is a new service from MasterCard and your card issuer that offers added security when you shop online at participating merchants by providing added protection against unauthorized use of your enroled card. 


Know more about SecureCodeTM




1 Certain browser requirements are needed to access National Bank Internet Banking Solutions. Please consult theBrowser Requirements for Internet Financial Services sections under ABC's of Security at 
2 Offered by National Bank Insurance. Certain conditions and restrictions apply. Please consult documents available at your branch for more information. 
3 Upon approval of credit by National Bank of Canada and the total amount of transfer may not exceed $5,000.

Find out more