MasterCard Credit Cards

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Rate

Regular rate on purchases: 19.99% / No fee

Regular rate on balance transfers and cash advances: 21.99%

Reduced rate

Purchases: 14.5% / $20 per year

Balance transfers and cash advances: 14.5%

Rewards

Cashback rewards: No additional fee

or

Rewards Plan: $20 per year

Additional card

No fee

Minimum credit limit

$500 (depending on your credit file)

  • Choose from among 2 designs
  • Protect your purchases with an insurance program you can count on
  • Get an additional card at no extra cost

Choose the Edition card that suits you best:

Edition card with CashBack and no annual fee. $2 in purchases = 1 point

Automatic annual CashBack. Each segment of 1,000 points = $10 CashBack credited to your account. You save without restriction, simply by using your Edition card with CashBack to pay for all your purchases.

CashBack rules  46 kB.

Edition card with the À la carte Rewards Plan. Annual fee: $20. Each $1 in purchases = 1 point

The À la carte Rewards Plan allows you to accumulate points quickly and gives you easy access to a selection of great rewards!

  • Use your Edition card for every day purchases
  • Earn 1 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!

More than a card: protection2 you can count on

  • MasterCard Zero Liability3
    Protects you against all liability for unauthorized purchases made with your credit card. Coverage includes purchases made in-store, over-the-phone and online.
  • Purchase insurance
    Covers theft and damage for a period of 90 days following date of purchase.
  • Extended warranty
    Doubles the original warranty period up to one additional year.

Reduced interest rate1

For just $20 a year, you'll benefit from a preferential interest rate on purchases, cash advances and balance transfers.

  Regular rate Reduced rate
Purchases 19.99% 14.5%
Cash advances and balance transfers 21.99% 14.5%

For more information, click here or call 514-394-1427 or 1-888-969-2273.

Insurance certificate

View the insurance certificate  451 kB - 3 pages.

 

1 Subject to credit approval by National Bank.
2 Certain conditions and restrictions apply. For details, consult documents available in-branch.
3 Certain conditions and restrictions apply. Visit mastercard.ca for more information.
Credit card Terms and Conditions.

Primary features

The Edition card offers you efficiency with a range of practical benefits. Choose between the card with CashBack and the card with À la carte Rewards Plan.

Important information
Minimum credit limit $500
Annual fee for primary card No fee
Annual fee for additional card No fee
Regular annual interest rate on purchases 19.99%
Annual fee for reduced interest rate $20
Reduced annual interest rate on purchases 14.5%
Reduced annual interest rate on balance transfers and cash advances 14.5%
Regular annual interest rate on balance transfers and cash advances 21.99%
Rewards
CashBack rewards Description For every 1,000 points cumulated, you'll receive once a year a $10 credit applied directly to your account.
Points $2 in purchases = 1 point
Reward's annual fee No additional fee
À la carte Rewards Plan Description Brand-name merchandise, gift certificates and travel savings from a dedicated travel agency and À la carte Extras.
Points $1 in purchases = 1 point
Reward's annual fee $20
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 90 days following the purchase date
Extended warranty on purchases Doubles the manufacturer's guarantee up to one additional year
Vehicle rental insurance No
Travel insurance/Accident insurance while aboard a common carrier No
Medical, general and legal assistance No
Other interesting features

Benefit from an extended warranty that doubles the manufacturer's guarantee.

 

Benefit from 90-day protection on all your purchases.

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

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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.

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.

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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