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Illustration of a World Elite credit card, a plane, a boat, and a banner that reads up to 35,000 points

EXCLUSIVE WELCOME OFFER

World Elite Mastercard

Get up to 35,000 rewards points, save on annual fees for the first year, and get a chance to win $2,000 in travel credits courtesy of Transat* when you get
your World Elite® Mastercard®.

Apply Now

* Promotion valid from April 15 to June 15, 2024. Minimum purchases required. Certain conditions apply.

Your World Elite® Mastercard® at a glance

Picto of an encircled dollar sign

Get up to 5 points per dollar spent1

Picto of a plane with a shield

Travel insurance and exclusives4-5-6

Picto of a shield and a clock

Extended warranty on your purchases6

Minimum gross annual income: $80,000 for the applicant or $150,000 in household income. Subject to National Bank credit approval. To qualify, you must not hold a National Bank Mastercard credit card or have held one in the past 24 months.

Annual fee for the first year*

Reimbursed the first year, $150/year thereafter.

$0

Purchase rate

20.99% 2

Balance transfers and cash advances

22.49% 2-3

Get your card

Secure online form

Apply for our award-winning credit card

2024

Best travel credit card †

2024

Best Mastercard credit card †

2024

Best credit card for travel insurance †

Get your World Elite Mastercard for a chance to enjoy even more rewards!

Get the National Bank World Elite ® Mastercard ® credit card, enjoy up to 35,000 rewards points*, and be entered for a chance to win $2,000 in travel credits courtesy of Transat* upon enrollment.

Get up to $1,556 in benefits and rewards during the first 14 months

Get our World Elite Mastercard to be automatically entered for a chance to win $2,000 in travel credits from Transat and take your vacations to the next level!

Certain eligibility requirements apply. The potential amount varies depending on annual account spending, travel expenses reimbursed, and number of visits to the National Bank Lounge. Redemption value may vary depending on the type of reward. To find out how many points are required for each reward, visit rewards.nbc.ca. Travel discounts are only redeemable by increments of 12,000 points, each increment equaling $100.

Contest conditions ↓

Estimated value of benefits and rewards

Category

Points

Monetary value

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Offer at 3rd month after enrollment

10,000

$83
In travel discounts*

Picto of a calendar with the number 6

Offer at 6th month after enrollment

10,000

$83
In travel discounts*

Picto of a calendar with the number 14

Offer at 14th month after enrollment

15,000

$125
In travel discounts*

Picto of a card with a crossed-out coin

No annual fee for the 1st year

-

$150*

Picto of an airport lounge

Two-time entrance with a guest to the National Bank Lounge ®

-

$222
($48.29 plus tax per adult 4)

Picto of a plane

Enjoy travel-fee refunds for certain purchases (seat selection, airport parking, and much more)

-

$150

Picto of a grocery basket

Average points earned outside of the offer

89,155

$743
In travel discounts*

Total value of rewards and benefits after 14 months

-

$1,556

Exclusive World Elite Mastercard benefits

Picto of an airport lounge

National Bank Lounge

Work or relax in comfort with free access to our National Bank Lounge ®. Waiting for an international flight has never been this comfortable!

Picto of a plane

Refunds on travel expenses

Get an annual refund 3 of up to $150 on travel expenses including airport parking, baggage fees, seat selection, access to airport lounges worldwide and plane ticket upgrades.

Picto of a plane and a shield

Travel insurance

Ensure peace of mind with insurance that covers medical needs outside your province of residence, trip interruption insurance, trip cancellation insurance, and much more.

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Get a quick response

Submit your request online from the comfort of your home, and get a response in less than a minute.7

Apply now

Little details that matter 

Length of the welcome promotion

From April 15 to June 15, 2024.

Eligibility conditions

  • Sign up for a National Bank World Elite® Mastercard® credit card during the promotion as a primary cardholder.
  • Sign up via the redirection link provided on Milesopedia’s website during the promotion.
  • Not have held one of our Mastercard credit card for individuals from National Bank over the past 24 months.
  • Keep the credit card account open until rewards points are paid.
  • Keep the account in good standing by complying with the conditions set out in the credit card agreement until the rewards points are paid. For example, all minimum payments must be made on time.
  • Not be employed by National Bank or one of its subsidiaries.

Description of the promotion

Annual fees

No annual fee for the first year for the primary cardholder.

We will charge these annual fees to your new card account and then refund them to you. You will receive this refund within five months of opening your account, provided that your account is still open. It will appear on your statement as a credit.

Annual fees for cards of other authorized users are not eligible for this promotion.

Reward points

Points offerts
 Conditions  When points are awarded to the account
10,000 $5,000 in purchases in the first three months.
 In the three months following the purchase calculation period.*
10,000
 $10,000 in purchases in the first 6 months.
15,000 $20,000 in purchases in the first 14 months.

* The calculation period begins from the date of card membership. For example, if you join the card on May 15, you have until August 15 to make the required number of purchases to earn the offered points, and these will be credited to your account by the end of October 2024.

How total purchases are calculated

The calculation is for the total amount of purchases made through all cards linked to the account.

The transactions not included in the calculation are set out in article 1.5 of the À la carte Rewards PlanTM.

Other conditions

  • You can only take advantage of the promotion once.
  • Issuance of the card is subject to credit approval by National Bank of Canada. Other conditions apply to the issue of the card.
  • This promotion may not be combined with any other promotion or offer applicable to National Bank credit cards, nor is it retroactive.
  • This promotion may be modified or withdrawn without notice.

No purchase necessary. Open only to Canadian residents who have reached the age of majority in their province as of the contest opening date. The contest begins on April 15, 2024, at 8:00 a.m. (ET) and ends on June 15, 2024, at 11:59 p.m. (ET).

To participate, you must:

  • Apply for membership for a National Bank World Elite® Mastercard® credit card via the redirection link available on the Milesopedia website and be approved during the contest period as the primary cardholder.
  • Must not have held any of the National Bank Mastercard credit cards for Individuals in the last 24 months.
  • Must not be employed by Transat or any entity within our group.

Prize: five (5) Transat travel credits valued at $2,000 each, exclusively for the purchase of a Transat or Air Transat product, redeemable at any time, only with À la carte TravelTM agency. (https://rewards.nbc.ca/travel).

To book or inquire about our travel offers, please contact À la carte TravelTM at 514-871-3040 or 1-800-561-3653 and mention that you have a travel credit.

Travel booking must be made directly with the designated agency 30 days prior to departure and applies to Transat and Air Transat products, subject to availability and current schedule.

If the total price of the trip exceeds $2,000, you will be required to pay the difference. Transat and Air Transat's general terms and conditions will apply to the booking, including in the event of cancellation for health or other reasons.

Please consult transat.com for all details; It is the responsibility of the winner and their travel companion to obtain the necessary travel documents and travel insurance prior to departure, at their own expense.

The odds of winning depend on the total number of eligible entries received as of the draw date. An exact answer to a mathematical skill question is required.

Regulations are available online here.

Minimum age Age of majority in the province or territory where you live
Legal status
 Canadian resident
Gross annual income
or
Minimum purchases per year (existing client only)
or
Investable assets		 $80,000 for applicant or $150,000 for household income

$25,000 charged to the card annually

 $400,000

You aren't eligible? Discover the World Mastercard Credit Card or the Platinum Mastercard credit card.

Annual fee 2

$150

Annual fee for additional card

$50

Purchase rate

20.99%

Balance transfer and cash advance rate2-3

22.49%

Minimum credit limit 8

$5,000

Number of points per $ spent1

Groceries and restaurants6:

The amount of points earned on grocery and restaurant purchases depends on the total gross monthly amount charged to the credit card account, regardless of the purchase category. 

  • You will earn 5 points for every dollar in eligible grocery and restaurant purchases until a total of $2,500 in gross monthly purchases is charged to the account. 
  •  After that, you will earn 2 points per dollar in eligible grocery and restaurant purchases. 

Gas and electric vehicle charging: 2 points per dollar in eligible purchases10

Recurring bill payments: 2 points per dollar in purchases11

À la carte TravelTM: 2 points per dollar in purchases12

Other purchases: 1 point per dollar in purchases13

Travel deals1

With the À la carte RewardsTM, you have the freedom to travel with the agency and airline of your choice. For more information on travel rewards, go to rewards.nbc.ca.

À la carte Travel

Save on vacation packages and airline tickets when you redeem your points through the À la carte TravelTM online agency. Plan your entire trip with hotel and cruise bookings, car rentals and more.
Discover the À la carte Travel online agency

À la carte Extras

Invest in a financial product, save on your banking packages or pay your mortgage with your rewards points thanks to the À la carte Extras®

Pay with rewards points

Pay your credit card balance with your rewards points directly in your online bank.

For more details, visit our Pay with rewards points page.

Summary and insurance certificate

Consult the Purchase protection summary [PDF] | Travel insurance summary [PDF] | Insurance Certificate [PDF]

Zero Liability9

Included

Purchase protection in the event of theft or damage7

180 days following the purchase date

Extended warranty7

Possibility of tripling the manufacturer's warranty (up to 2 additional years)

Trip cancellation insurance7

Up to $2,500 per person

Trip interruption insurance7

Up to $5,000 per person

Out-of-province-of-residence medical/hospital insurance7

Up to $5,000,000 per person:

  • 54 and under: 60 days
  • 55 to 64: 31 days
  • 65 to 75: 15 days

If your trip exceeds these time frames, you will not be covered.

Departure flight delay insurance7

Up to $500 per person (over 4 hours)

Baggage insurance in case of delay7

Up to $500 per person (over 6 hours)

Baggage insurance in case of theft or loss7

Up to $1,000 per person

Vehicle rental insurance7

Against collision, theft or damage for a period of 48 days or less

Medical, general and legal assistance7

Included

Mobile device insurance

Up to $1,000 in the event of accidental breakage, loss or theft for a maximum of 2 years after the purchase date14

Customer service (24/7)

À la carte Rewards Centre

Travel fee reimbursement

Insurance claim and assistance

Lost or stolen card

Chargeback

To learn more about the terms applicable to your card, read the the Credit card Agreement [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.

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

® The À LA CARTE REWARDS logo is a registered trademark of National Bank of Canada.

® À LA CARTE REWARDS PLAN is a registered trademark of National Bank of Canada

TM 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.

TM À LA CARTE REWARDS is a trademark of National Bank of Canada.

† World Elite® Mastercard®

National Bank's World Elite® Mastercard® credit card has won the Milesopedia 2024 awards for best travel credit card, best Mastercard® credit card, and best credit card for travel insurance. Each year, Milesopedia examines the credit card offers of the largest financial institutions and establishes its ranking according to more than 150 criteria such as fees, welcome offers, minimum income required, number of points per category, account credits, insurance, airport lounge access, etc.

1. Certain restrictions apply. For more information, consult the Rewards plan section or the Plan rules regarding how to earn points.

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.

Example of credit charges over a 30-day period

Annual interest rate

Average balance
 

$500

$3,000

22.49%

$9.24

$55.45

20.99%

$8.63

$51.76

12.9%

$5.30

$31.81

8.9%

$3.66

$21.95

*Variable interest rate in effect on September 1, 2021
 

3. Balance transfer and cash advance are subject to credit approval by National Bank. Each balance transfer must be at least $250.

4. 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). You benefit from free and unlimited access with a guest and two children aged 12 or under. 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.

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

6. 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.

7. You will receive a reply accepting or refusing your application or indicating that it is being processed as it requires further investigation.