Low interest Mastercard credit card

Enjoy lower rates

Discover the benefits of our low-rate credit card


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See conditions

Promotional offer

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Annuel fee 1 $${productPricing.AF_CRD.productPricingValue}
Purchase rate
Balance transfer and cash advance rate 1-2 ${productPricing.TX_TRF.productPricingValue|percent:"true"}
Purchase protection 3 (days)
Extended warranty on purchases 3
VIP experiences and special offers
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Digital wallet
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Contactless payments
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Mastercard® ID CheckTM
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Lock or replace your card
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Little details that matter

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

TM SYNCRO is a trademark of National Bank of Canada.

1. 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

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

3. 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 details of your insurance coverage, please consult the insurance certificate associated with your card.

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