MasterCard Credit Cards

Banniere_World_EN

Rate

19.5% / $125 per year

Regular annual interest rate on balance transfers and cash advances

19.5%

Rewards

Rewards Plan: Included

Additional card

No fee

Minimum credit limit

$5,000 minimum (depending on your credit file)

To be a World credit card cardholder, you must meet at least one of the following criteria:
Main cardholder’s gross annual income: $60,000 and above;
or
Combined gross annual income of main cardholder and any other cardholder: $100,000 and above.

The World credit card allows you to accumulate points at an accelerated pace.

Indeed, as the table below illustrates, during the 12-month reference period, for each dollar in purchases between $20,001 and $30,000 charged to your cardaccount, you’ll accumulate 0,5 additional point.

Net purchase volume2 over
12 months:
0 to $20,000 = 1.5 points per dollar in purchases
$20,001 to $30,000 = 2 points per dollar in purchases
$30,001 and more = 1.5 points per dollar in purchases

Accelerated point accumulation is calculated based on a period of 12 months from the date at which the account was opened.

You can redeem your points to obtain:

  • brand name products,
  • gift cards,
  • À la carte Extras,
  • a donation to a cause you hold dear.

You can also exchange your points for a travel discount, and use them to save on flights, packages, hotels, excursions, vehicle rentals, train tickets, etc. There’s no restriction related to dates or the choice of travel agency. It’s all up to you.

Points exchanged Travel savings
11,000 points $100
50,000 points $500
More than 50,000 points Above and beyond 50,000 points in the same transaction, every 10,000 points segment entitles you to an additional $100 travel discount.

A complete travel-insurance program3

Out-of-Province-of-Residence Medical/Hospital Insurance up to $5,000,000. Maximum trip coverage period is calculated based on age.

Age Maximum Trip Length
54 and under 60 days
55 to 64

31 days

65 to 74 15 days

Trips exceeding the maximum admissible length will not be covered by the Medical/Hospital Insurance. Coverage applies to main cardholder, their spouse and any dependent children.

  • Trip Cancellation Insurance up to $2,500 per person.
  • Trip Interruption Insurance up to $5,000 per person.
  • Flight Delay Insurance up to $500 per person for any flight delay of 4 hours or more.
  • Baggage Insurance up to $1,000 per person in case of theft, burglary, disappearance, or vandalism, plus up to $500 per person should your checked baggage be delayed more than 6 hours.

The National Bank World MasterCard® Lounge

National Bank World MasterCard cardholders get free access (with a guest) to Montréal-Trudeau Airport’s National Bank World MasterCard Lounge.

Located in the international jetty (excluding flights to the United States), the lounge offers you everything for your relaxation or business needs: complimentary food and drinks, newspapers and magazines, and free WiFi access, all in a quiet atmosphere.

The National Bank World MasterCard lounge is located near gate 53 and is open 7 days a week. Regular opening hours are 5:00 a.m. to 11:00 p.m.

The Concierge Service

The World MasterCard credit card gives you all-time access to a wide range of services designed to make your life easier. Shows, restaurants, trips, sporting events, golf: Our thoughtful staff is here to help. They can offer information and recommendations as well as make reservations—here and abroad!

Annual statement helps you manage your finances

Once a year, you'll receive a comprehensive statement listing all charges to your World MasterCard.

Reassuring protection3

Vehicle Rental Insurance

Exoneration from liability in case of collision, theft or damage to any vehicle rented for a period of 48 days or less.

Personal Effects Insurance of up to $2,000 per rental period in case of theft or vandalism.

Purchase Protection

Purchase Insurance provides protection in case of theft or damage for 180 days following the date of purchase.

An Extended Warranty triples the manufacturer’s coverage period for up to two additional years.

MasterCard’s Zero Liability 4

Protects you against all liability if unauthorized purchases are made with your credit card. This coverage extends to purchases made in-store, over the telephone and online.

Medical, general and legal assistance

24-hour toll-free number for medical, administrative and legal problems, anywhere in the world.

You will be referred to a lawyer 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 on your credit card.

Assistance if your baggage is lost or stolen.

Assistance replacing travel documents and tickets that are lost or stolen while you're away.

Emergency cash transfers.

Insurance certificate

Consult the insurance certificate 

 

1 Subject to credit approval by National Bank.
2The net annual purchase volume is the amount charged to the account minus returns and reimbursements. Annual fees, balance transfers and cash advances are not included in this calculation.
3 Theses protections apply if purchases or rentals are paid for with the card, with the exception of the Out-of-Province-of-Residence Medical/Hospital Insurance, for which it is not necessary to pay for a trip with the card. Certain conditions and restrictions apply. For more information, consult the documentation available in branches.
4 Certain conditions apply. Visit mastercard.ca for more information.
Consult the credit card's terms and conditions

Primary features

A travel card which offers a complete experience thanks to the generosity and flexibility of its rewards program, its concierge services and its comprehensive insurance coverage. Annual interest rate of 19.5% for cash advances and balance transfers.

Important information
Minimum credit limit $5,000
Annual fee for primary card $125
Annual fee for additional card No fee
Regular annual interest rate on purchases 19.5%
Rewards
À la carte Rewards Plan Description Accumulate points faster, travel without restrictions, gift cards and À la carte Extras.
Points $1 in purchases = 1.5 points, you can earn up to 2 points for every $1 spent
Reward's annual fee Included
Insurance program
Trip cancellation insurance Up to $2,500
Trip interruption insurance Up to $5,000 for an emergency return
Out-of-Province-of-Residence Medical/Hospital Insurance Yes
Flight delay insurance Up to $500 (over 4 hours)
Baggage loss and theft insurance Up to $1,000
Baggage delay insurance Up to $500 (over 6 hours)
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 48 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

Travel without restrictions by choosing the travel agency, the airline, the travel dates and the destination of your choice.

 

Access, day and night, to a wide array of services that make life easier.

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
World No fee
Syncro No fee
Platinum Business $35
Business No fee

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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

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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.

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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

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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.

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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

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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.

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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.

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SecureCodeTM

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

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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 www.nbc.ca 
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