Mastercard benefits

More than just a credit card

 

 

Image credit cards and 15,000 points

WELCOME PROMOTION

Sign up for an eligible National Bank rewards credit card to earn 15,000 rewards points and save on the annual fees for the first year.

Limited time offer for new cardholders. Minimum purchase required. Conditions apply.*

Image credit cards and 15,000 points
Image credit cards and 15,000 points
Image credit cards and 15,000 points

Get the most out of your credit card

Explore the many advantages of your Mastercard credit card!

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Travel and entertainment

VIP experiences and special offers

Enjoy unique experiences with Mastercard Priceless Cities. Get room upgrades, exclusive menus, unique tours and many other surprises in great cities all over the world.

Offered with all Mastercard® credit cards

Explore Priceless Cities

Access to the National Bank VIP Lounge at Montreal-Trudeau airport5

You can enjoy free access to our National Bank VIP lounge with a guest and two children aged 12 or under. Whether you're working or just relaxing, waiting for an international flight has never been this comfortable! 

Exclusive for World Elite® credit card

Discover the Lounge

Refund of travel expenses

Get an annual refund13,14 of up to $100 on airport parking, $50 on seat selection and $100 on baggage fees. Make the best trips even better with these great perks.

Exclusive for World Elite® credit card

Apply now

Comprehensive travel insurance

Protect yourself from the unexpected with our insurance plan4. It covers emergency medical care; 24/7 assistance; trip interruption or cancellation; delay, loss or theft of baggage; flight delays; and rental vehicles.

Exclusive to World Elite® , World® and Platine Mastercard credit cards. 

Redeem points in exchange for travel discounts

Already booked your trip?

Find out just how far your À la carteTM Rewards Plan can take you

Eligible expenses: plane or train tickets, hotel reservations, cruises, excursions, package tours car and cottage rentals, etc. 

Exclusive to World Elite® , World® and Platine Mastercard credit cards. 


Discover our Rewards Plan

Boingo Wi-Fi for Mastercard cardholders23

Get unlimited access to Boingo Wi-Fi for Mastercard® cardholders with over 1 million hotspots worldwide, at no extra cost or roaming charges.  

Exclusive to World Elite® and World® Mastercard credit cards. 

Learn more about Boingo 

Discounts on your purchases 

Receive cashback at select merchants when you travel outside of Canada with Mastercard Travel Rewards24

Exclusive to World Elite® and World® Mastercard credit cards. 

Digital everyday offers25

Get valuable benefits and offers from a variety of on-demand apps and subscription services. 

Exclusive to World Elite® and World Mastercard® credit cards. 

Comfort in airports 

Access over 1,000 airport lounges worldwide at a rate of $32 US/person and benefit from discounts at certain airport merchants with Mastercard® Airport Experiences provided by LoungeKey26

Traveling soon? Find out about the health regulations in effect at your destination and keep in mind that they may be subject to change. 

Exclusive to World Elite® and World Mastercard® credit cards. 

Cashbacks and rewards

A flexible rewards plan

Sign up for a Mastercard rewards credit card to earn points that can be redeemed for a large selection of goods and services.

Exclusive to rewards cards

Explore rewards cards

Get great cashback rewards

Make the most of your everyday purchases with our cashback Mastercard credit cards. Ready to get started?

Exclusive to cashback cards

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Good to know

Did you know that 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. Learn more.

Electronic payments

Contactless payments

Check out in a flash with Tap & Go®! Hold your card to the reader and you're good to go.

Offered with all Mastercard® credit cards

Explore Mastercard contactless

Digital wallet

Save your credit card information and shipping address to your Masterpass account for easy and secure online shopping.

Offered with all Mastercard® credit cards

Explore Masterpass

Apple Pay® and Google Pay ®

Forget about fumbling through your wallet. Pay for your in-store, in-app and online purchases in seconds with Apple Pay® or Google Pay®.

Offered with all Mastercard® credit cards

Explore mobile payments

One-click payment

Pay for your online purchases with a single click thanks to Mastercard Click to Pay service. No need to enter your card number or remember your password. It's easy, fast and secure. 

Available with all Mastercard® cards

Discover Click to Pay

Purchases

Purchase protection

Be prepared for any surprises! Enjoy damage, loss or theft protection on most of your purchases.4

Offered with all Mastercard credit cards

View all cards

Extended warranty

Double or triple the manufacturer's warranty for most items purchased using your credit card.4

Offered with all Mastercard credit cards

View all cards

Daily life

Automatic payments

Use pre-authorized debits to set up automated monthly credit card payments and never miss a deadline again! It's easy!

Offered with all Mastercard credit cards

Sign-up for pre-authorized debits

Security

Safe online purchases

Mastercard® ID CheckTM protects against fraud when you make online purchases with your credit card.

Included with your National Bank Mastercard credit card

Discover Mastercard ID Check

Fraud protection

Benefit from Mastercard's Zero Liability policy—you won't be held liable for unauthorized transactions completed with your card. Find out how to dispute a transaction.

Offered with all Mastercard credit cards

Little details that matter

Rewards credit card promotion conditions

*Promotion valid from September 20, 2021, to December 20, 2021, for National Bank Platinum, World, World Elite® and Platinum Mastercard® Business credit cards. To take advantage of this offer, you must sign up for an eligible National Bank credit card by December 20, 2021. Credit card issued subject to credit approval by National Bank. Some conditions apply. 

Savings on annual fees for the first year: 
The annual fees for the card will be refunded for the first year (for the primary cardholder). It will appear as a charge and credit on the second or third statement after your account is opened. To receive the annual fee refund for the first year, you must make your first purchase on the account within the first 45 days of opening the account.  
  
Bonus rewards points:
The bonus rewards points under this promotion will be credited to the credit card account in a single payment no later than the 5th statement following the account opening: 

Platinum, World, or World Elite Mastercard: get 15,000 rewards points if $3,000 in net purchases or more are charged to the credit card account within the first three months following enrollment. 

Platinum Business Mastercard: get 15,000 rewards points if $5,000 in net purchases or more are charged to the credit card account within the first three months following enrollment.

The account must be in good standing at the time the annual fees are refunded, and bonus rewards points are applied.

The net purchases charged to your card are calculated over a period of three months, starting at account opening. For example, if the account is opened October 15,2021, the account holder will have until January 15, 2022, to charge the required amount in purchases to the account and obtain the bonus rewards points. 

Net purchases refer to the amount in purchases charged to the account less returns and refunds. Annual fees, balance transfers, cash advances (including transactions that can be converted directly to cash, such as money orders, traveller's cheques and gambling transactions), interest charges and any other fees and adjustments are not considered purchases and are therefore not included in the calculation.  

Eligibility and terms and conditions:
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 promotion does not apply to additional cards.  It cannot be combined with any other National Bank credit card promotion. Employees of National Bank and its subsidiaries and entities are not eligible for this promotion. The promotion may be modified, extended or cancelled, without prior notice, at any time. 

Legal Disclaimers

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

12.90%

$5.30

$31.81

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.  

The Click to Pay icon is a trademark owned by and used with permission of EMVCo, LLC.  

Click to Pay is an online checkout solution provided by a third party that supports Mastercard and is based on EMV® SRC Specifications. National Bank is not responsible for this service. 

1. Certain terms, conditions and exclusions apply. To learn more about Zero Liability, visit mastercard.com/zeroliability. Contact your issuing financial institution for complete coverage terms and conditions or call 1‑800‑MASTERCARD (1‑800‑627‑8372) for assistance.  

2. Certain terms, conditions and exclusions apply. Cardholders need to register for this service. This service is provided by Generali Global Assistance, Inc. Please see your guide to benefits for details or call  1‑800‑MASTERCARD (1‑800‑627‑8372) for assistance.

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