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ECHO Cashback Mastercard

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

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Annual fee


Purchase rate


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

Benefits of the ${p1.nomProduit}

Contactless payments

Contactless payments

Spend less time at checkout with Tap & Go® technology! Just tap your card on the reader and you're on your way.

Purchase protection

Purchase protection

Protect your new purchases from theft or damage for up to 90 days after the date of purchase.4

Extended warranty

Extended warranty

Get up to double the manufacturer's warranty for most items purchased using your credit card.4

Secure online purchases

Secure online purchases

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

Fraud protection

Fraud protection

Benefit from Mastercard's Zero Liability policy5—you won't be liable for unauthorized transactions completed with your card.

Urban experiences

Urban experiences

Enjoy unique experiences with Priceless Cities®. Get room upgrades, exclusive menus and many other surprises.

How much could you earn with your weekly expenses?

1% cashback

$50 in cellphone and utilities

= $26 annual cashback

$50 in restaurants and shows

= $26 annual cashback

$50 in miscellaneous expenses

= $26 annual cashback

1.5% cashback

$75 in online purchases

= $58 annual cashback

$75 in gas

= $58 annual cashback

$125 in groceries

= $97 annual cashback

Total of $291 in cashback!

How to take advantage of your cashback?


step 1

Apply for your card

To be eligible you need to:

  • Have the age of majority in the province or territory where you live and be a Canadian resident

*See all criteria

Ready to apply?

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Not sure yet? Compare cards

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step 2

Pay with your card

Earn cashback at a rate of 1.5% on gas, groceries and online purchases1 and 1% on all other eligible purchases.


step 3

Use your cashback

Once you earn $10 cashback, sign in to your online account to apply your cashback to your credit card account.

Man in front of a shop

Not sure yet?

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Ready to earn rewards? It takes just a few minutes to apply!

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Little details that matter

Eligibility criteria





Annual fee and interest rate

Annual fee 2


Annual fee for additional card


Purchase rate


Balance transfer and cash advance rate 2-3


Minimum credit limit 6

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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


Important phone numbers

Customer service (24/7)

Insurance claim

Lost or stolen card


Credit card Agreement

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

Confidentiality Policies

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

Legal Disclaimers

TM CX Index and Forrester are trademarks of Forrester Research inc

National Bank of Canada received the highest CX Index™ score among credit card issuers in Canada in Forrester’s proprietary 2021 CX Index™ survey. The ranking was based on responses from 8,840 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.

® ECHO is a registered trademark of National Bank.

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

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

® Priceless cities is a registered trademark of Mastercard International Incorporated. 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. 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 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.

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

6. Subject to credit approval by National Bank.

7. You'll receive an answer confirming whether you've been approved or declined. Note that if your request is being processed, we'll prompt you for additional information. 

Ready to apply for the ECHO Cahsback Mastercard®?

Completing an application takes just a few minutes.

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