Mastercard benefits

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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 airport13

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 refund12 of up to $150 on travel expenses including airport parking, baggage fees, seat selection, access to airport lounges worldwide and plane ticket upgrades. Make the best trips even better with these great perks.

Exclusive for World Elite® credit card

Discover the World Elite card

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 Platinum Mastercard credit cards. 

Discover our Rewards Plan

Boingo Wi-Fi for Mastercard cardholders23

Get access to Boingo Wi-Fi for Mastercard® cardholders with over 1 million hotspots worldwide, at no 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 1,300 airport lounges worldwide at a rate of $32 US/person and benefit from discounts at certain airport merchants with Mastercard® Travel Pass provided by DragonPass26

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

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

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

Automated payments

Use your National Bank® credit card and avoid late fees and manage your recurring bill payments with automated payments. It’s a simple way to manage your payments, earn rewards points and get cashback!

Offer available with all Mastercard® credit cards.

KONEK (coming soon1)

Pay for online purchases using the KONEKTM service, a convenient and secure payment method developed by Interac Corp., National Bank and Canada's leading financial institutions.

At participating retailers, sign in to KONEKTM using your National Bank credentials and pay for your purchases with the eligible accounts you hold. It’s a simple and safe solution!

Please note that only payments with an eligible credit card2 are available for the moment.

Discover KONEK


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

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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


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

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

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

™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
















*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 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

7. The discount applies when you purchase gift cards for Allure partners on 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‑STYLE1‑800‑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. Clients must submit required documents within the given deadline. Certain conditions may apply. 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 $150.  

Eligible expenses include:   

- airport parking fees
- baggage fees
- seat selection fees
- access to airport lounges worldwide 
- airline ticket upgrades  

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 $150 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, click the Refund of travel expenses tab and complete the form, you can also contact us at 1-888-296-8881 (toll-free).

13. Exclusively available to World Elite Mastercard cardholders. Visitors must present their physical credit card and boarding pass to access the National Bank Lounge. The National Bank Lounge is only available to clients travelling to international destinations (excluding Canada and U.S. flights). 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 $37 for adults and $26 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. 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].

17. 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.

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

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

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

21. 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].

22. Terms and conditions apply. Boingo services provided by Boingo Wireless, Inc. See for full details.

23. Mastercard Travel Rewards is provided by Mastercard. Details at Offers may be subject to change without notice.

24. 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

25. Mastercard® Travel Pass provided by DragonPass is a worldwide program run by DragonPass International Limited. Eligible Mastercard World or World Elite cardholders wishing to access a participating Mastercard® Travel Pass lounge must present the mobile app (this may be obtained by the eligible cardholder by registering an account at to the lounge receptionist. 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 Mastercard® Travel Pass 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 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.

TM KONEK is a trademark of Interac Corp. used under licence.

1. Note that we are currently in the testing phase and that onlya limited number of people have access to KONEK.

2. Eligible National Bank credit cards:

SyncroTM  Mastercard®

MC1® Mastercard®

Allure® Mastercard®

ECHO® Cashback Mastercard®

mycredit TM Mastercard®

Platinum Mastercard®

World Mastercard®

World Elite® Mastercard®

World Elite® Mastercard®

Private Banking 1859

Escapade® Mastercard®

OVATION® Gold Mastercard®

Edition® Cashback Mastercard®

Edition® with rewards program Mastercard®

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