*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, their
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.
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 cardholders. 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 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
8. The prime rate means the annual
variable interest rate posted by National Bank, from time to time, and
used by the National 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
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
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 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.
Certain restrictions apply. Please consult the rules governing reward
points under Rewards plan. Please consult the rules governing the
accumulation of points specified in the À la
carte® Rewards Plan section.
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].
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.
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 National Bank Echo Cashback Mastercard [PDF] and
the Applicable Rules [PDF].
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 debit card or National Bank Mastercard
credit card. 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.
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].
and conditions apply. Boingo services provided by Boingo Wireless,
Inc. See mastercard.boingo.com for full details.
Mastercard Travel Rewards is provided by Mastercard. Details at
www.traveloffers.mastercard.com. Offers may be subject to change
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
® 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 https://mastercardtravelpass.dragonpass.com/) 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
® Travel Pass membership.
TM CX Index and Forrester are trademarks of Forrester Research
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 8,840
responses 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.
®ALLURE and ECHO
are registered trademarks of National Bank of Canada.
and SYNCRO are trademarks of National Bank of Canada.
®Mastercard, World Mastercard and World Elite are
registered trademarks, and the circles design is a trademark of
Mastercard International Incorporated. Authorized user: National
Consult the Cashback program mycreditTM credit card
applicable rules [PDF].
This content is for investment
advisors only. For customer content, please visit nbc.ca.
ALLURE and À LA CARTE REWARDS PLAN are registered trademarks of
™MYCREDIT is a trademark of National
®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 CAA, CAA logo, CAA Rewards and CAA Dollars trademarks
are registered and owned by the Canadian Automobile Association.
Authorized use by the Canadian Automobile Association.
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
® 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
® Google Pay is a trademark of Google LLC.
The use of this trademark is subject to Google Inc.’s authorization
® Boingo, Boingo Wireless, Boingo Wi-Finder
and the Boingo Wireless Logo are registered trademarks of Boingo