Treat yourself this fall with the National Bank Platinum Mastercard® credit card and get up to $406 in membership benefits and rewards after getting your card.
The offer is valid until November 19, 2023. Minimum purchase and insurance product required.*
Sign up for a Mastercard credit card to get bank accounts and financing solutions with attractive terms and conditions.
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Get up to three bank accounts and pay no monthly fee—plus you get an unlimited number of transactions on most automated services by obtaining a Mastercard.
Advantages
Don’t need a credit card? A $12.95 monthly fee applies.13
National Bank All‑In‑One®, 11
A home equity line of credit that groups together your bank accounts and your short-term cash and financing needs.
Exclusive rate
Prime rate11
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Rate for dentists and veterinarians
Prime rate - 0.25%
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Fees of $7 per month per account
To benefit from these advantages, we invite you to contact an advisor.
Certified Financial Planners are trained to help you plan, execute and achieve your goals. Leverage the expertise of our planners to meet your needs at key milestones in your life. Learn more about our services.
Take control of your investments with powerful tools and a dedicated team of experts.
Advantages:
The Registered Education Savings Fund (RESP) is a smart way to fund your children’s post-secondary education.
Advantages:
We actively support your health and well-being. That’s why we’re offering you access to Dialogue, a virtual healthcare service platform available anywhere in Canada, anytime.
Discover our partner’s telehealth services
In partnership with FBA Solutions, access lawyers by phone and get legal information in many areas.
Get a special rate of 20% or 50% off the SECURIZONE® product selected18. Take advantage of tools and products to improve your security and get assistance in the event of identity theft and fraud.
Start up or take over a clinic, obtain financing4 for medical equipment and manage your human resources more efficiently with the help of our team of experts.
® THE EXCHANGE is a registered trademark of Fiserv Inc.
® Mastercard, World Mastercard and World Elite are registered trademarks, and the circles design is a trademark of Mastercard International Incorporated. Authorized user: National Bank.
® The Personal Flex Line, the All-In-One and The Total are registered trademarks of National Bank of Canada.
® SECURIZONE is a registered trademark of National Bank of Canada used by NBC Assistance Inc.
CIRRUS® is a registered trademark of CIRRUS SYSTEM Inc.
Interac ® is a registered trade-mark of Interac Inc. Used under licence.
The rate applicable from the third withdrawal is $1.25 per transaction. To find out the rates for our National Bank products and services, discover our Fee Guide.
National Bank Direct Brokerage (NBDB) is a division of National Bank Financial Inc. (NBF), as well as a trademark owned by National Bank of Canada (NBC) that is used under license by NBF. NBF is a member of the Investment Industry Regulatory Organization of Canada, the Canadian Investor Protection Fund, and is a subsidiary of NBC, a public company listed on the Toronto Stock Exchange (TSX: NA). NBDB provides order execution only services and makes no investment recommendations. Clients are solely responsible for the financial ant tax consequences of their investment decisions.
1. Subject to credit approval by National Bank. The discount is offered to holders of a National Bank Platinum, World Mastercard® or World Elite® Mastercard credit card. The $2,605 in annual savings is provided as an example only to illustrate what a holder could save with the offer. It is based on the typical profile of a client who has the following products: two bank accounts equivalent to The Total® package, with the individual SECURIZONE 2.0 product, a World Elite® Mastercard® credit card, a National Bank All-In-One® home equity line of credit with an annual balance of $150,000, and has a good credit rating.
Savings are calculated as follows: No monthly fee for transactions included in the The Total® package (annual savings of $694 for two active chequing accounts), plus an annual discount on the individual SECURIZONE 2.0 product (annual savings of $36), plus an annual discount of 1.25% on the All-In-One line of credit rate (annual savings of $1,875). These savings represent the difference between what a client with the offer and a client without it would pay. Certain conditions apply. Potential savings may not reflect the net savings that you will receive; this amount will vary based on your financial situation.
2. Bank account with chequing privileges. Certain services, such as the passbook and paper statement by mail, are not included. Included services and fees for unrelated services are indicated in our Fee Guide, available in branches or at nbc.ca.
3. Subject to credit approval by National Bank of Canada. Certain conditions apply.
4. Financing subject to credit approval by National Bank. Certain conditions apply.
5. Certain restrictions apply. Please consult the applicable rules governing reward points under Rewards plan.
6. Grace period: No interest will be charged on purchases made during the month, provided the client pays the balance in full within twenty-one (21) days of the statement date. This grace period does not apply to cash advances or balance transfers. Minimum payment: If your account balance is lower than $10, you must pay the entire balance. If you reside in the province of Quebec, your minimum payment will correspond to 5% of the credit card account balance plus any overdue payment or $10, whichever amount is higher. If you reside outside of Quebec, your minimum payment represents 2.5% of the credit card account balance plus any overdue payment or $10, whichever amount is higher. Account statement: A statement is sent monthly.
Examples of credit charges
Example of credit charges over a 30-day period:
| Annual interest rate |
Average balance |
|
|---|---|---|
| $500 | $3,000 | |
| 22.49% | $9.24 | $55.45 |
| 20.99% | $8.63 | $51.76 |
| 14.5% | $5.96 | $35.75 |
| 8.9% | $3.66 | $21.95 |
*Variable interest rate in effect on September 1, 2021
7. Subject to credit approval by National Bank. Each balance transfer must be at least $250.
8. Only the spouse of the main cardholder of the Mastercard credit card included with the offer for professionals is eligible for an additional card. Regular annual fees apply for the additional card.
9. Minimum 12-month rental in Canada. Certain conditions apply. Details are available at our branches. For safety deposit box fees, see Your Guide to Personal Banking Solutions available at the branch.
10. Subject to credit approval by National Bank. Upon receipt of each statement, the borrower must pay a minimum instalment to the Bank that corresponds to the sum of the interest and insurance premiums charged to the account for the period covered by the statement, and any other amount required to ensure the account's debit balance does not exceed the credit limit. This minimum instalment must be made without using the line of credit.
11. Subject to credit approval by National Bank. Interest rate on the All-In-One (line of credit portion) as at October 25, 2018: ${p5.tauxBase|percent:"true"} + 1%
This rate is variable and corresponds to Prime + 1%, and is one of the lowest rates on the market. "Prime" means the annual variable interest rate posted by National Bank from time to time, used by the Bank to determine the interest rates on the demand loans it grants in Canadian dollars in Canada. Consult the prime rate webpage to find out the day's rate.
The “Prime rate” means the annual variable interest rate posted by National Bank, from time to time, and used by the Bank to determine the interest rates on the demand loans it grants in CDN$ in Canada. Visit nbc.ca/primerate for the rate in effect.
12. This offer must be renewed annually on presentation of identification and proof of professional status.
Monthly account statement. No management fees. The Personal Flex Line rate is established by the prime rate, plus a spread established by the client’s credit history. As a guideline, the applicable rate for a typical Personal Flex Line is comprised of the prime rate + 2.75%. Once an amount is borrowed from the line of credit, it accrues interest. The minimum monthly payment is limited to the monthly interest and life insurance premiums (as applicable). Examples of credit fees calculated over a 30-day period at the applicable rate as at March 31, 2020.
| Average balance | ||
|---|---|---|
| $500 | 3,000$ | |
| Typical Personal Flex Line |
$2.14 | $12.82 |
| Prime rate (2.45%) |
$1.01 | $6.04 |
The typical Personal Flex Line is a faithful representation of all Personal Flex Lines of Credit offered by National Bank.Note that the Prime rate can change. For more information on the current rate, please visit nbc.ca/primerate.
13. National Bank reserves the right to terminate, without notice, the savings and other benefits on all products and services included in the banking offer, if the client closes their eligible bank account. In the event the client cancels their eligible credit card or replaces it for a credit card that is not eligible for the offer, National Bank will charge fixed monthly fees of $12.95 on the transaction accounts to enable the client to maintain their savings and other benefits in the banking offer.
14. For more details, contact an advisor.
15. Financial planning services are offered through subsidiaries of National Bank. Financial Planners provide their services on behalf of National Bank Investments Inc., a wholly owned subsidiary of National Bank of Canada.
16. Trades must have been made through our electronic solutions. For more information about commissions and general fees, please refer to our brochure.
17. Management and other fees may apply to ETF investments. Please read the prospectus before making an investment. ETFs are not guaranteed, their values change frequently and past performance may not be repeated.
Regular pricing on equities trade applies if the $0 commission conditions on ETFs are not met.
18. Preferred monthly pricing of $2.95 (individual) or $4.45
(family) plus taxes for SECURIZONE 2.0, $4.95 (individual) or $7.50
(family) plus taxes for SECURIZONE Alert, or $14.35 (individual) or
$20.75 (family) for SECURIZONE Assistance. This represents a discount
of 50% off SECURIZONE 2.0 and SECURIZONE Alert, and 20% off SECURIZONE
Assistance. The preferred rates for holders of National Bank's
privilege offers will remain in effect for as long as you're eligible
for an offer. If you no longer have a privilege offer, the regular
monthly pricing of $5.95 $ (individual) or $8.95 (family) plus taxes
for SECURIZONE 2.0, the regular monthly pricing of $9.95 (individual)
or $14.95 (family) plus taxes for SECURIZONE Alert, or the regular
monthly pricing of $17.95 (individual) or $25.95 (family) plus taxes
for SECURIZONE Assistance will apply.
NBC Assistance
Inc. and National Bank can terminate or change the duration and
preferred rate of SECURIZONE products for holders of National Bank's
privilege offers at any time, with 30 days' notice prior to the
effective date of the amendment. This notice will contain the new and
amended clause, the old clause that was amended (if applicable), and
the effective date of the amendment. If you do not agree to the
changes, you can cancel the program with no penalty by sending us a
notice no later than 30 days after the changes come into effect.
Apply online and an advisor will contact you shortly to set up an appointment.
