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ECHO Cashback Mastercard

Get up to 1.5% cashback on your day-to-day purchases

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ECHO® Cashback Mastercard® credit card at a glance

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Up to 1.5% cashback1

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Redeem your rewards directly via your online bank 

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Extended warranty on your purchases2

Annual fee


Purchase rate


Interest rate (balance transfers and cash advances) 3-4


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Secure online form

Jusqu’à 900 $ en rabais voyage ou jusqu’à 800 $ à investir dans un produit financier annuellement*

The benefits of your ECHO Cashback Mastercard credit card

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Even more benefits

Earn up to 1.5% cashback on gas, groceries, and online purchases1

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Extended warranty

Get up to double the manufacturer's warranty for most items purchased using your credit card.5

Purchase insurance

Stay protected against theft or damage for 90 days from the date of your purchase.6

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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 7- you won't be liable for unauthorized transactions completed with your card.

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Simple admission terms

No minimum annual income required.

Enjoy cashback and useful features

How to take advantage of your cashback?

Features that’ll make life easier

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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Not the right credit card for you?

Not the right credit card for you? 

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

We’re here for you

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Want to apply for the ECHO CashBack 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

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Need additional assistance?

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

Little details that matter 





Annual fee 2

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Annual fee for additional card

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Purchase rate


Balance transfer and cash advance rate 2-3


Minimum credit limit  7

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Gas, grocery and online purchases:
$100 = $1.50 cashback

Unlimited 1%
All other purchases:
$100 =  $1.00 cashback

You can accumulate cashback faster by adding an additional card to your account, such as for your spouse.

For eligible purchases1, please consult the cashback accumulation table [PDF].

Cashback details

Refer to the applicable rules [PDF] for more information.

Summary and insurance certificate

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Zero Liability 5


Purchase protection in the event of theft or damage 4

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Extended warranty 4


Customer service (24/7)

Insurance claim

Lost or stolen card


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.

®ECHO is a registered trademark of National Bank. 

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

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

1. 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). The cashback will be paid as a credit applied to your account and cannot be paid in cash. 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].

2. This coverage applies to purchases charged to the National Bank ECHO cashback 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.

3. 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
















*Variable interest rate in effect on September 1, 2021

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

5. *Maximum coverage of $60,000 for the entire account term. The extended warranty applies to the majority of new items purchased with the card, whether in Canada or abroad, as long as the manufacturer's warranty is existing and valid in Canada. Certain conditions and restrictions apply. For more information, please refer to the warranty certificate linked to your card.

6. These protections apply as long as the purchases or expenses in question are charged to the National Bank ECHO Cashback 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.

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