Allure Mastercard

Support the Quebec Breast Cancer Foundation, and earn cashback.

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Allure® Mastercard® at a glance

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No annual fee

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Cashback1 

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One of the only cards in Canada associated with a cause 

Annual fee

 $0

Purchase rate

20.99 %

Interest rate (balance transfers and cash advances) 2-3

22.49 %

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Fill out our secure online form

The benefits of your Allure Mastercard credit card

Unique

Get up tp 1% cashback1 on gas, groceries, and online purchases.

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Even more benefits

Earn cashback by paying for your online and in-store purchases.

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Extended warranty

Extend the manufacturer's warranty period by up to two times on most purchases made with your credit card. 4

Purchase protection

Stay protected against theft or damage for 90 days from the date of your purchase.5

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Secure online purchases

Mastercard® ID CheckTM is a service that protects you against fraud by verifying your identity when making online purchases.

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Fraud protection

Benefit from Mastercard's Zero Liability policy 6: you won't be liable for unauthorized transactions completed with your card.

Support a good cause and enjoy cashback

The Foundation is counting on you

Since 2005, Allure Mastercard cardholders have enabled National Bank to donate more than $10 million to the Quebec Breast Cancer Foundation.

With your purchases, you contribute to improving the lives of thousands of women and their families.

Discover our partnership

 Enjoy cashback rewards

The Allure Mastercard credit card allows you to accumulate 1 point for every $2 in online or in-store purchases.

For every 1,000 points accumulated with your credit card, you automatically receive a $10 discount in your credit card account once a year.

Spoil yourself with our fashion and wellness partners by getting a 10% discount on the purchase of gift cards. 7

Contribute 1% of your purchases to the Foundation. 8

Get a quick response to your application 

Apply online from the comfort of your home and get an answer in minutes. 


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This card not offering what you’re looking for?

The National Bank® Platinum Mastercard® credit card may be better suited for you:

  • Get up to 2 points per dollar spent on groceries, at restaurants and when you fill up your vehicle
  • Take advantage of travel insurance for up to 10 days
  • Get mobile device insurance

Discover the card

We’re here for you

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Want to apply for the Allure Mastercard credit card?

Apply online. It’s quick and easy.

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Need personalized advice?

Our advisors are here to answer all of your questions

Visit a branch 

Or call us at 1-888-622-2783 

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Need additional assistance?

Find all the answers to your questions in our Help centre.

Find an answer

 

Little details that matter

Length of the welcome promotion

From October 1, 2024, to November 29, 2024

  • Sign up for a National Bank® Allure® Mastercard® credit card during the promotion as a primary cardholder.
  • Not have held one of our Mastercard credit card for individuals from National Bank over the past 24 months as a primary cardholder. 
  • Keep the credit card account open until rewards points are paid. 
  • Keep the account in good standing by complying with the conditions set out in the credit card agreement until the rewards points are paid. For example, all minimum payments must be made on time.
  • Not be employed by National Bank or one of its subsidiaries.

Rewards points 

Points offered Conditions When points are awarded to the account
5,000 $500 in purchases in the first 3 months In the 2 months following the end of the purchase calculation period.**
5,000 $5,000 in purchases in the first 12 months In the 2 months following the end of the purchase calculation period.**
5,000 Enrollment in payment insurance* for at least the first 3 months In the 2 months following the minimum enrollment period for payment insurance.**

How the total purchases are calculated

The calculation is based on the total purchases made with all cards linked to the account. The following transactions are not included in the calculation:

  • Cash advances;
  • Balance transfers;
  • Mastercard cheques;
  • Interest;
  • Non-interest-related fees (e.g., currency conversion fees and insurance premiums);
  • Purchase returns.

Other conditions

  • You can only take advantage of the promotion once. 
  • Issuance of the card is subject to credit approval by National Bank of Canada. Other conditions apply to the issue of the card.
  • This promotion may not be combined with any other promotion or offer applicable to National Bank credit cards, nor is it retroactive.
  • This promotion may be modified or withdrawn without notice.

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Allure Mastercard with regular interest rate

Annual fee for main card2

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Purchase rate

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Balance transfer and cash advance rate2,3

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Annual fee for additional card2

$0

Minimum credit limit9

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Number of points per dollar spent1

$2 spent = 1 point

Cashback1

$10 for every 1,000 points earned

Cashback details

Once a year, a cashback will be automatically credited to your card. See the terms and conditions for cashback details.

Summary and insurance certificate

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Zero Liability7

Included

Purchase protection in the event of theft or damage5

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Extended warranty6

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Customer service (24/7)

Insurance claim

Lost or stolen card

Chargeback

To learn more about the terms applicable to your card, read the${p1.urlConvention.en | link:"Credit card Agreement":"":"_blank"}[PDF].

There are two main elements of a joint credit card:

  • The primary cardholder’s name will be the one that appears on the credit card contract. This person can decide to add up to three authorized users to their account, as well as remove them at any time. They must meet all the eligibility criteria to apply for a credit card. 
  • An authorized user has their own card and PIN. However, all transactions made by that person are charged to the primary cardholder’s account. An authorized user could be a spouse, a child aged 16 or older, or a friend. The designated person doesn’t need to meet all of the eligibility criteria to access their card. 

Please remember that the primary cardholder is responsible for paying any outstanding balances and managing the account. This also means that they’re the ones who will receive any cashback generated by the account. If any disagreements or separations occur, the authorized users and primary cardholder must agree on how to proceed. 

The authorized user doesn’t receive a statement and doesn’t have access to transaction details and account information, including the credit card limit. However, both cardholders can enjoy the benefits of their card. They can also change their respective PINs, as well as cancel or replace their cards.

How do I get a joint credit card?

If you’re applying for a new credit card, answer “Yes” to the “Do you need an additional card” question in our application form.

If you’d like an additional card for an existing account, fill out our credit card application or call us at 1-888-622-2783. 

Please note that there’s an annual fee for an additional credit card. 

To learn about how we protect your information, consult our Confidentiality Policies.

 

®ALLURE and NATIONAL BANK are registered trademarks of National Bank of Canada.

®Mastercard and Tap and Go are registered trademarks, and the circles design of the logo is a trademark of Mastercard International Incorporated. National Bank is an authorized user.

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

 

1. The cashback is based on a point-accumulation system. You get 1 point for every $2 you spend using your Allure Mastercard® credit card, providing your account is in good standing. Once a year, in January, you will receive a $10 cashback for every 1,000 points earned. The cashback will be paid as a credit applied to your account and cannot be paid in cash. Your account is considered to be in good standing when you fulfill the obligations under your cardholder agreement (e.g., make the minimum payment by the due date). Interest charges, annual fees, balance transfers, cash advances, service charges, insurance premiums, promotional Mastercard cheques and refunded purchases are not eligible for rewards points. For details, see the Terms and conditions [PDF].

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.

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

13.45%

$5.53

$33.16

9.45%

$3.88

$23.30

*Variable interest rate in effect on September 1, 2021

3. Balance transfers and cash advances are subject to credit approval by National Bank. Each balance transfer must be at least $250.

4. This coverage applies to purchases charged to the National Bank mycredit card. 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. These protections apply as long as the purchases or expenses in question are charged to the National Bank Allure Mastercard credit card. Extended warranties apply to most new items purchased with the card, in Canada or abroad, as long as the manufacturer's warranty is in effect and valid in Canada. Certain conditions and restrictions apply. For more information and details concerning your insurance coverage, please consult the insurance certificate attached to your card.

6. Certain conditions apply to the Zero Liability protection. Visit mastercard.ca for more information. Refer to the credit card terms and conditions.

7. The 10% discount on gift cards applies to the total amount when purchasing on yourallure.ca. Gift cards are redeemable at participating Allure partners: Amerispa, Banana Republic, Gap, Old Navy and Winners/HomeSense/Marshalls. Choice of gift card amounts: $25, $50 or $100 (as per partner availability). No discount will be given in store upon presentation of the Allure card. Gift cards cannot be replaced if damaged, lost or stolen. The list of Allure partners is subject to change without notice. Gap, Old Navy and Banana Republic gift cards can be used in all Gap, Old Navy and Banana Republic stores in North America. Gift cards are redeemable for in-store items only. If you have any questions about Gap, Old Navy and Banana Republic gift cards, please call 1-800-GAP-STYLE, 1-800-OLD-NAVY and 1-888-BR-STYLE respectively.

8. National Bank donates $0.10 for every $10 charged to an Allure Mastercard® credit card account over a 12-month period to the Quebec Breast Cancer Foundation. The annual donation is capped at $750,000.