MasterCard Credit Cards



Variable (Prime rate + 4%) / $35 per year

Additional card

No fee

Minimum credit limit

$1,000 (depending on your credit file)

Comparison table

The interest rate on the Syncro card is the sum of two components: the prime rate* which is set by National Bank and which is variable, and the adjustment rate of 4%. The following chart clearly shows the savings that you can achieve with the Syncro MasterCard.

Find out the prime rate currently in effect

As at October 1st, 2013, the Syncro MasterCard rate was 8.9%1


More than a card: Protection3 you can count on

  • MasterCard Zero Liability4
    Protects you against all liability for unauthorized purchases are made with your credit card. Coverage includes purchases made in-store, over the phone and online.
  • Purchase insurance
    Provides coverage in case of theft or damage for a period of 90 days following the date of purchase.
  • Extended warranty
    Doubles the original warranty period up to one additional year.

* "Prime rate" means the annual variable interest rate published by National Bank from time to time and used by the Bank to determine the interest rate on demand loans that it grants in Canadian dollars in Canada.


1 The interest rate for the MasterCard Syncro card consists of the prime rate established by the National Bank and which is variable, to which is added a fixed adjustment rate of 4%. The annual interest rate of the Syncro card will never be under 8.9%.
2 Subject to credit approval by National Bank.
3 Certain conditions and restrictions apply. For details, consult in-branch documentation.
4 Certain conditions and restrictions apply. Visit for more information.
View the credit card's terms and conditions.

Primary features

Here's a replacement for fixed rate credit cards that offers you the most competitive progressive interest rates.

Important information
Minimum credit limit $1,000
Annual fee for primary card $35
Annual fee for additional card No fee
Regular annual interest rate on purchases Variable (Prime rate + 4%)
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 a progressive and competitive rate comprised of a variable prime rate and a fixed adjustment rate of 4%*.


Save on interest fees: you can transfer the balance of other cards with a higher interest rate than this one.

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