PROMOTION

Mastercard credit cards

Sign up for a World Elite, World and Platinum card and get $300 cashback. Save on the annual fees with certain cards.*

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Customer experience

For the second year in a row, National Bank ranks #1 among credit card issuers for Customer Experience according to the 2021 Forrester CX IndexTM. Sign up for a credit card and take advantage of a number of features and free services. Learn more.

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Loyalty pay off

Earn points

Our generous À la carteMD Rewards Plan lets you decide how to benefit from it.

Learn more about the Plan

Shop for your rewards

Take advantage of your points by purchasing exclusive products and exciting experiences.

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Take full advantage of Mastercard benefits

More than just a credit card

Take full advantage of your Mastercard credit card and all that it has to offer. Extended warranty, purchase protection, Google PayTM, Apple PayTM, exclusive VIP experiences—there is something for everyone!

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Manage your credit card online

Several features are available to help you manage your credit card? These free services are accessible from your online bank and National Bank app. Easily carry out your transactions wherever, whenever.

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Getting the most out of your credit card

 

Protect your balance

Be prepared for unforeseen circumstances, such as job loss or disability, with the Mastercard credit card payment insurance.

Understanding the payment insurance

 

Save on the annual fee

Opt for a banking package and you could benefit from a cashback when signing up for a credit card. See our packages The ConnectedTM and The TotalTM to find out more.

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Enjoy the benefits of our offer for professionals

Are you a healthcare professional, engineer or accountant? Explore our offers tailored to certain professionals.

See healthcare offer

See engineering offer

See legal and business management offer

 

  

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Little details that matter

Insurance

Distribution guides | Summaries | Insurance certificates
  • Escapade card
  • Syncro card
  • Regular card
  • Edition card
  • MC1 card
  • Allure card
  • Echo card
Consult the Summary | Insurance certificate
  • mycredit card
Consult the Summary | Insurance certificate
  • Ovation Gold card
Consult the Distribution guideInsurance certificate
  • Platinum card
Consult the Summary | Insurance certificate
  • World card
  • World Elite card
Consult the Summary | Insurance certificate
  • Solutions Banking Mastercard
Consult the Summary | Insurance certificate
  • Solutions Banking Platinum Mastercard
Consult the Summary | Insurance certificate
  • Solutions Banking World Mastercard
  • Solutions Banking World Elite Mastercard
Consult the Summary | Insurance certificate
  • CAA Rewards Mastercard
Consult the Summary | Insurance certificate
  • CAA Rewards card (Bridgewater Bank cards converted in 2016)
Consult the Distribution guide | Insurance certificate

Legal disclaimers

 Offer conditions

Offer valid from October 26, 2020 to January 31, 2021 for Platinum, World® and, World Elite® credit cards. Credit card is issued subject to credit approval by National Bank. Certain conditions apply.  

World and World Elite:

The annual fees for the card will be refunded for the first year. They will appear as a charge and credit on the first or second statement after your account is opened.

Platinum, World and World Elite:

You will receive a $300 cashback if $4,000 in net purchases is charged to the eligible credit card account within the first three months following enrolment. The cashback will be credited to your account on the fourth or fifth statement after your account is opened.

To take advantage of this offer, you must sign up for an eligible National Bank Mastercard credit card before January 31, 2021 and activate it no later than February 15, 2021.

The offer begins and the net purchases charged to your card are calculated starting the month following the account opening (for example, if the account is opened on November 15, purchases will be calculated starting December 1 and the cashback will be awarded by March 15, 2021). Net purchases between the first and the last calendar day of the month are calculated.  

Net purchases refer to the amount in purchases charged to the account less returns and refunds. Annual fees, balance transfers, cash advances, cash transactions, interest charges and any other fees and adjustments are not included in the calculation. The net purchases charged to your card are calculated starting the first day of the month following the account opening.   

The account must be in good standing for the cashback to be awarded.

Employees of National Bank and its subsidiaries and entities are not eligible for the offer. National Bank reserves the right to end this promotion at any time without notice.  

This promotion is intended for individuals who do not have a National Bank Mastercard credit card and have not held a National Bank credit card within the last 24 months.   

The offer is not applicable when opening an additional card. This offer cannot be combined with any other National Bank promotion. 

TM National Bank of Canada received the highest CX Index™ score among credit card issuers in Canada in Forrester’s proprietary 2020 CX Index™ survey. The ranking was based on responses from 9,004 measuring 12 brands. The proprietary survey results are based on consumers’ opinions of the experiences with the brands in the survey. Forrester Research does not endorse any company included in any CX Index™ report and does not advise any person to select the products or services of any particular company based on the ratings included in such reports.

®ALLURE and ECHO are registered trademarks of National Bank of Canada.

™MYCREDIT and SYNCRO are trademarks of National Bank of Canada.

®Mastercard, World Mastercard and World Elite are registered trademarks, and the circles design is a trademark of Mastercard International Incorporated. Authorized user: National Bank

Consult the Agreement Governing the Use of the National Bank Mastercard Credit Card [PDF]

This content is for investment advisors only. For customer content, please visit nbc.ca

®ECHO, ALLURE and À LA CARTE REWARDS PLAN are registered trademarks of National Bank.

™MYCREDIT is a trademark of National Bank.

®Mastercard, World Mastercard, World Elite , Tap & Go and Priceless cities are registered trademarks, and the circles design is a trademark of Mastercard International Incorporated. Authorized user: National Bank.

®The registered trademarks of CAA, CAA logo, CAA Rewards and CAA Dollars trademarks owned by, and use is authorized by, the Canadian Automobile Association. 

™À LA CARTE TRAVEL is a trademark of National Bank of Canada. À la carte Travel is owned by Transat Distribution Canada Inc., holder of permit No. 753141 in Quebec.

™ID Check and Identity Check are trademarks of Mastercard International Inc. Authorized user: National Bank.

® Apple Pay is a trademark of Apple Inc., registered in the U.S. and other countries. Apple Inc. is not a sponsor of or participant in National Bank Mobile Banking Solutions.

® Google Pay is a trademark of Google LLC. The use of this trademark is subject to Google Inc.’s authorization policy.

® Boingo, Boingo Wireless, Boingo Wi-Finder and the Boingo Wireless Logo are registered trademarks of Boingo Wireless, Inc. 

1. Subject to credit approval by National Bank.

2. 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


3. Subject to credit approval by National Bank. Each balance transfer must be at least $250.

4. This coverage applies to purchases and rentals charged in part to the card, except out-of-province medical/hospital insurance for which the travel arrangements need not be charged to the card, and lost or delayed luggage insurance where all transportation costs must be charged to the card. This coverage applies to the primary cardholder, his/her spouse and/or dependent children when they (spouse and/or dependent children) travel with the primary cardholder. Extended warranty coverage applies to most new items purchased with the card, in Canada or abroad, as long as the manufacturer's warranty is valid in Canada. Certain conditions and restrictions apply. For more information and for details of your insurance coverage, please consult the insurance certificate associated with your card.

5. Certain conditions apply. Visit mastercard.ca for more information. Refer to the credit card terms and conditions.

6. Donations made annually by National Bank representing a percentage of sales charged to the card over a period of 12 months by all Allure card holders. The percentage of sales to be donated is at the sole discretion of National Bank, but the total amount of donations paid by National Bank will not exceed $500,000 per year. To find out more about the calculation period and applicable conditions, visit yourallure.nbc.ca.

7. The discount applies when you purchase gift cards for Allure partners on yourallure.nbc.ca. It will be applied to the total gift card amount. Cards must be purchased in multiples of $25. No discounts will be granted in store upon presentation of an Allure card. Lost, stolen or damaged gift cards will not be replaced. Allure card partners may change. Gap, Old Navy and Banana Republic gift cards can be used at any Gap, Old Navy or Banana Republic store in North America. Gap, Old Navy and Banana Republic gift cards can be used to purchase in-store items only. If you have any questions concerning Gap, Old Navy or Banana Republic gift cards, call (respectively) 1‑800‑GAP‑STYLE, 1‑800‑OLD‑NAVY or 1‑888‑BR‑STYLE.

8. 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 Canadian dollars in Canada.

9. The interest rate for the Syncro card consists of a variable prime rate set by National Bank plus a fixed adjustment rate of 4% for purchases and 8% for balance transfers and cash advances. Please note that the annual interest rate for the Syncro card will not be less than 8.9% for purchases and 12.9% for balance transfers and cash advances.

10. The net purchase volume is the amount of purchases charged to the account minus returned items or refunds. Annual fees, balance transfers and cash advances are not included in the calculation.

11. On condition that required supporting documents are provided in the manner and time frame prescribed. Some restrictions may apply.

12. Only the primary cardholder (Cardholder) of National Bank World Elite Mastercard whose account is in good standing can request a refund of travel expenses. An account in good standing refers to an account linked to a Credit Card which complies with the Agreement governing the use of the Credit Card and which is not subject to any restrictions. For example, the annual fees related to the Credit Card must have been paid in full. The maximum amount that can be submitted for reimbursement between January 1 and December 31 of each year is $250. Eligible expenses include: airport parking fees (maximum $100), baggage fees (maximum $100) and seat selection fees (maximum $50). The claim must be submitted within 60 days of the purchase date and accompanied by proof of purchase. The travel fees must be charged to the National Bank World Elite Mastercard credit card. The maximum reimbursement amount is $250 per account. The refund will be issued within 7 business days following the request approval date and after receiving all required information. An amount not claimed in a year cannot be carried over to the following year. For more information or to obtain the refund form, sign in to rewards.nbc.ca, click the Refund of travel expenses tab and complete the form, you can also call 1‑888‑296‑8881 (toll-free) in Canada and the United States, or +1‑416‑734‑3922 (collect) from anywhere in the world.

13. Exclusively available to holders of the World Elite Mastercard. Visitors must present their credit card and boarding pass to access to the National Bank Lounge. Further to a decision by Aéroports de Montréal, the National Bank Lounge will only be available to clients flying to destinations outside the U.S. and Canada, effective April 3, 2019. Guests cannot spend more than three (3) hours in the Lounge. For National Bank clients who do not have free Lounge access and for additional guests, admission is around $40 for adults and $25 for children, plus tax. Admission is free for children under three years old. The entry price may change at any time without notice and at the discretion of the Lounge operator.

14. Certain restrictions apply. Please consult the rules governing reward points under Rewards plan.

15. The cashback is based on a point accumulation system. For every $2 you spend using your Allure or Edition Mastercard credit card, you will receive 1 point, provided your account is in good standing. Once a year, in January, you will receive a $10 cashback for every 1,000 points earned. Your account is in good standing when you comply with the obligations of your cardholder agreement (e.g., making your minimum payment by the due date). For details, see the Terms and conditions [PDF].

16. You will qualify to earn CAA Dollars as soon as your card is activated and purchases are made, unless your account is not in good standing, your account has been suspended or terminated or other qualifications for eligibility are not met.

1% Cashback: You will earn CAA Dollars equivalent to 1% of eligible purchases made using your Credit Card. You will earn 1 CAA Dollar for every $100 of eligible purchases made with your Credit Card.

1% Additional Cashback: You will earn additional CAA Dollars cashback equivalent to 1% of eligible purchases made using your Credit Card. To be eligible, your purchases must be made through a participating merchant associated with an eligible Mastercard code at participating CAA stores and travel centres. Lists of these participating CAA stores and travel centres are available on CAA club websites. Mastercard codes are subject to change.

You cannot earn CAA Dollars on the following transactions that are made with your Credit Card, since they do not qualify as eligible purchases: cash advances, balance transfers, cash-like transactions, Mastercard cheques, payments and credits to the Credit Card account, interest charges, non-interest charges (e.g., annual fees, currency conversion fees and insurance premiums) and purchase returns.

17. All eligible purchases qualify for 1% cashback  when your account is in good standing. Your account is in good standing when you comply with the obligations of your cardholder agreement (e.g., making your minimum payment by the due date). An additional cashback of 0.5% is granted on the first $25,000 of eligible gas, grocery and online purchases charged annually to your credit card account. The additional cashback of 0.5% does not apply when the total of your annual eligible purchases exceeds $25,000. After that, the cashback equals 1% of eligible purchases, regardless of the type of purchase. For conditions and restrictions that apply to cashback rewards and a full list of codes associated with eligible merchants, refer to the cashback accumulation table [PDF] and the applicable rules [PDF].

18. The 20% discount applies to regular ticket prices for shows at Théâtre Banque Nationale, taxes included. Call 418‑698‑4080 or visit a participating point of sale to take advantage of this offer. Just present your National Bank client card or National Bank Mastercard. Service charges not included. Limit of two (2) tickets per client per show. This offer cannot be combined with any other offer or promotion.

19. Cards included: Syncro, MC1, Allure and Platinum.

20. Subject to the mobile device’s purchase with the card or mobile plan settled by recurring pre-authorized payments from your mycredit account.

21. Subject to the Agreement governing the use of the Mastercard credit card issued by National Bank.

22. Subject to credit approval by National Bank of Canada.  The cashback granted is 1% on restaurant purchases and on recurring pre-authorized payments when you use recurring automatic transfers with your mycredit account. The cashback of 0.5% applies to all other eligible purchases during a billing cycle. The account must be in good standing when the cashback is awarded. Your account is in good standing when you comply with the obligations of your cardholder agreement (e.g., making your minimum payment by the due date). These eligible automatic transfers are defined as regular payments that are automatically withdrawn by a merchant on your credit card. Balance transfers, cash advances and fees resulting from the use of the card are excluded from the cashback calculation. For conditions and restrictions that apply to cashback rewards, refer to the Cashback Program  [PDF].

23. Terms and conditions apply. Boingo services provided by Boingo Wireless, Inc. See mastercard.boingo.com for full details. 

24. Mastercard Travel Rewards is provided by Mastercard. Details at www.traveloffers.mastercard.com. Offers may be subject to change without notice. 

25. Mastercard Digital Everyday Offers is provided by Mastercard. Offers are subject to terms and conditions and may be subject to change without notice. Details at www.mastercard.ca/worldelite

26. Mastercard Airport Experiences provided by LoungeKey (MCAE) is a worldwide program run by LoungeKey Ltd. Eligible Mastercard World or World Elite cardholders wishing to access a participating MCAE lounge must present their credit card or their mobile access code (this may be obtained by the eligible cardholder by registering an account at airport.mastercard.com or through the MCAE mobile application) to the lounge receptionist and reference “Mastercard Airport Experiences.” Access to participating Airport Lounges is at the cost of $32 US/person (subject to change), per visit, and lounge access charges will be billed to the credit card connected to cardholder’s MCAE membership.  

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