MasterCard Credit Cards

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Rate

Regular rate on purchases: 19.99% / $125 per year

Regular rate on balance transfers and cash advances: 21.99%

Reduced rate

Not available

Rewards

Yes more information

Additional card

$35 per year

Minimum credit limit

$1,000 depends on your credit file

Rewards plan

You can show your appreciation for a valued customer, or reward an employee, or yourself!

Thanks to an optional rewards plan, the points you earn can be redeemed for rewards such as these:

  • credit applicable to the balance of your account
  • quality brand-name merchandise
  • gift cards
  • travel discounts.

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Save with Platinum Business partners

Enjoy savings and special offers from select partners. These discounts can add up to several hundred dollars in savings per year.

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Protect your company with Platinum Business

Three types of coverage are offered exclusively to Platinum Business cardholders.
Optional personal insurance programs offered by Blue Cross.

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Comprehensive insurance program included with the Platinum Business card.

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Other Platinum Business advantages

Effectively manage your company's spending with Platinum Business.

Details

 

1 Subject to credit approval by National Bank.
No interest will be charged on purchases made during the month if the balance is paid in full within twenty-one (21) days of the date of the statement. This grace period does not apply to cash advances or balance transfers. The minimum payment to be made to the Bank every period shall be equal to 3% of the unpaid balance indicated in the monthly statement or a minimum of $50, whichever amount is higher (or the new unpaid balance if it is lower than $50). A statement of account is sent on a monthly basis. Below are examples of credit charges calculated over a period of thirty (30) days based on the rate in effect as at June 1, 2013:

    Average balance
Annual interest rate $500 $3.000
Purchases 19.99% $8.22 $49.29
Cash advances and balance transfers 21.99% $9.04 $54.22
Primary features

A simple way to manage your daily transactions with great benefits and savings. 

Important information
Minimum credit limit $1,000
Annual fee for primary card $125
Annual fee for additional card $35
Regular annual interest rate on purchases 19.99%
Regular annual interest rate on balance transfers and cash advances 21.99%
Rewards
À la carte Rewards Plan Description Account credits, gift cards, brand-name items and travel discounts from our dedicated À la carte travel agency.
Points $1 in purchases = 1.5 points
Reward's annual fee Included
Insurance program
Trip cancellation insurance Optional
Trip interruption insurance Optional
Out-of-Province-of-Residence Medical/Hospital Insurance Optional
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 Up to $250,000
Medical, general and legal assistance No
Other interesting features

Enjoy the generous À la carte Rewards Plan.

 

Save with selected partners.

Additional Cards

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

 Download the request form (not applicable to Ultramar and Platinum business cards)

Cards Additional fee per card
Edition No fee
MC1 No fee
Allure No fee
Escapade  
OVATION Gold No fee
Platinum No fee
Sunoco  
Ultramar  
Syncro  
Platinum Businesss $35
Business Card 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 your National Bank Customer Contact Center:
514 394-1427 or 1 888 622-2783

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Internet Banking Solutions2 (IBS)

Carry out day to day 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 Plan4

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 of each card available in the Current Cardholder Section.

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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 A fee may apply for certain cards. Please take note of the application form enclosed in this brochure. 
2 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 
3 Subject to credit approval by National Bank 
4 Offered by National Bank Insurance. Certain conditions and restrictions apply. Please consult documents available at your branch for more information. 
5 Upon approval of credit by National Bank of Canada.

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