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Some basic information

Fill out the fields below to save your application information and continue at any time.

Your email address will be used to save the current form and to send you a confirmation email once the completed application.

Promotion

Information box
BEFORE CONTINUING WITH THE APPLICATION, PLEASE READ THE FOLLOWING INFORMATION BOX CLOSELY AS IT CONTAINS IMPORTANT DETAILS CONCERNING THE PLATINUM, WORLD AND WORLD ELITE NATIONAL BANK MASTERCARD CREDIT CARDS.
Annual interest rates

Regular Rates (in effect at the issuance of the card unless a promotional rate applies).

  • Purchases: 19.99%
  • Cash advances: 22.99%
  • Balance transfers: 22.99%

Promotional Rate For Balance Transfers and Cash Advances
A promotional rate of
3.9% is available for the first 6 billing cycles (subject to a separate credit approval). The card could be issued without the promotional rate. At the end of the promotional period, the interest rates indicated above will apply to balance transfers and cash advances on your next statement.

Increased Rates
The annual interest rates will increase when the minimum payment is not made by the due date indicated on the monthly statement: (i) for
2 consecutive months; or (ii) 3 times during any 12-month period. Any missed payment during a 12-month period is counted, even if the missed payment has already been counted to increase the rates in the past or has occurred during such a period.

The annual interest rates will be increased to 24.99% for purchases and to 27.99% for balance transfers and cash advances.

These increased rates will take effect on the 3rd statement period following the default that caused the rate to increase. These increased rates will apply to your account balance until you make the minimum payment no later than on the due date indicated on your monthly statement for a period of 9 consecutive months. Subsequently, the regular rates will apply, regardless of whether a promotional or reduced rate was in effect prior to the rate increase.

Interest free/grace period

At least 21 days on purchases if you pay your full balance by the due date indicated on your monthly statement (no grace period applies to balance transfers and cash advances).

Minimum payment

Your minimum payment will correspond to 3% of your account balance plus any amount already due or $10, whichever amount is greater. If your account balance is lower than $10, you must pay the entire balance. If amounts are charged to the account in breach of the provisions of the cardholder agreement, your minimum payment will correspond to 3% of the account balance or the amount charged to the card in breach of the provisions of this agreement, whichever amount is higher.

Foreign currency conversion

Foreign currency transactions will appear on your statement in Canadian dollars. A transaction in US dollars will be converted to Canadian dollars at the exchange rate established by MasterCard Worldwide, plus 2.5%. A foreign currency transaction, other than in US dollars, will first be converted into US dollars at the exchange rate established by MasterCard Worldwide. This amount will then be converted to Canadian dollars at the applicable exchange rate established by MasterCard Worldwide, plus 2.5%. The applicable exchange rate is the rate in effect at the moment the transaction is posted to your statement, whether it consists of a debit or a credit.

Annual fees
$ 125 $ 35
$ 125 $ 35
World Elite $ 150 $ 50

    

Annual fees will appear on the 2nd statement following the issuance of the card, and once a year thereafter, on the anniversary of this 2nd statement, whether the card is activated or not.

Other fees

Posted to your account on the day of the transaction:

  • Additional copy of sales slip or monthly statement: $5.00 (1)
  • Cheque issued for a credit balance: $5.00
  • Fee for dishonoured account payment: $42.50
  • Fees for balance transfers:
    • Requested when the credit card account is opened: 1% of the amount of the transaction
    • Requested after the opening of the credit card account : 3% of the amount of the transaction (2)
  • Fee for use of MasterCard cheques : 3% of the amount of the transaction (2)
  • Fees for cash advances (per transaction):
    • National Bank ATMs and tellers: $3.50
    • Other financial institutions in Canada*: $3.50
    • Other financial institutions outside Canada***: $5.00

(1) No fee will be charged for a transaction carried out within 30 days following the issuance of the monthly statement.
(2) Fee may be reduced if a promotional offer is available and will be disclosed at the time the offer is made.
* Part of the MasterCard Network or Interac Network** or THE EXCHANGE** Network.
** Trademarks of Interac Inc., MasterCard International Inc., Cirrus System Inc. and Fiserv EFT. Authorized user: National Bank of Canada.
*** Part of the MasterCard Network of Cirrus Network**.

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World Elite MasterCard Card

* All fields are mandatory unless otherwise indicated.


Your social insurance number is especially important when we conduct research on your financial solvency, as in this case. However, you do not have to disclose your social insurance number.

This information will be used for your security question and to confirm your identity.

Current address
Employment information

Employed since

Additional information

Do you have a bank account at the National Bank?

Account type

If you answered yes, please provide the name and contact information of your authorized user.

If you answered yes, please provide the address of your authorized user.

Will you require a balance transfer?

The total of the transferred amounts must not exceed your authorized credit limit for cash advances.

Card 1

Card 2

I understand that a fee of 1% of the amount transferred will be charged to my credit card account with the bank. This section only applies to credit cards not issued by the bank. Balance transfers are treated as cash advances and are subject to the cardholder agreement. In particular, interest on the cash advance amounts begins to accrue as of the cash advance date, until full payment is received. The bank reserves the right to refuse any balance transfer.

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Please confirm that your application information is correct before proceeding.

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World Elite MasterCard Card

* All fields are mandatory unless otherwise indicated.


About you

Current address

Employment information

Additional information

Do you have a bank account at the National Bank?

Type of account :

Checking account

Saving account

Card 1

Carte 2

About you

Current address

Employment information

Employed since

Additional information

Do you have a bank account at the National Bank?

Type of account

If you answered yes, please provide the name and contact information of your authorized user.

If you answered yes, please provide the address of your authorized user.

Will you require a balance transfer?

 

The total of the transferred amounts must not exceed your authorized credit limit for cash advances.

Card 1

Card 2

The primary card holder understands that a fee of 1% of the amount transferred will apply and be charged to their National Bank MasterCard.

Consent

Please read the two statements below carefully. Once you have ticked the boxes, you will no longer be able to edit your information.

I request that a credit card account be opened and that a card be issued in my name and in the name of any authorized user identified in this credit application and who has authorized me to request a card on his behalf. I acknowledge having read the General Conditions of this credit application and I accept them. I understand that I will be the only person responsible for the repayment of all amounts due to the bank resulting from the use of the credit card account, including transactions made by an authorized user.  If I applied for an Edition or Allure card with a reduced rate and that I do not qualify based on the bank’s credit granting requirements, I request that this application be considered for an Edition or Allure card with a regular rate. If I applied for a World or World Elite card and that I do not qualify based on the bank’s credit granting requirements, I request that this application be considered for a Platinum or World card. I understand that merchants may incur higher acceptance fees for the World and World Elite cards.

I confirm the accuracy of the information provided in this credit application. I give my consent regarding the collection, use and disclosure of my personal information as described in the general conditions, subject to my right of withdrawal. In particular, I accept that the bank obtain credit records from credit bureaus. I also confirm having informed the authorized user of the collection, use and disclosure of his personal information as described in the general conditions and having obtained his consent.

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Here is your confirmation number: ${confirmation}
A confirmation email has been sent to this address: ${RenseignementDeBase.eMailAddr}

 

Next steps

 

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A letter with the credit decision will be mailed to you within seven (7) business days.

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If you requested a balance transfer with your application, please allow approximately ten (10) business days for the balance to be transferred to your new MasterCard account.

 

Thank you for choosing a National Bank MasterCard® credit card.

 

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Oops! Your request could not be processed. Your data has been saved except for your confidential information. You will receive an email containing a link that will allow you to continue the process from the confirmation step. Please wait 24 hours before resubmitting your request.
We apologize for the inconvenience.

 

Thank you for doing business with National Bank.