Platinum Mastercard welcome promotion

Your Platinum Mastercard^® at a glance

2 points per dollar spent¹

Complete travel insurance for up to 10 days⁴

Mobile device insurance⁶

No minimum annual income required. 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
Reimbursed the first year, $70/year thereafter.

$70 $0

Purchase rate²

20.99%

Balance transfers and cash advances^2-3

22.49%

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

Small pleasures for a sweeter season

Treat yourself this fall with the National Bank Platinum Mastercard credit card: earn up to 25,000 rewards points upon enrollment, redeemable for merchandise, gift cards, travel discounts, and financial products.

10,000 welcome points

If you made $2,500 in net purchases in the 3 months following enrollment.

5,000 points for credit card payment insurance

If you have taken out Credit Card Payment Insurance* at the time of card enrollment, and for a minimum period of 3 months.

10,000 points after the first year

If you've made $6,000 in net purchases in the 12 months following enrollment.

Get the equivalent of $406 in membership benefits and rewards after getting your card

The Platinum Mastercard: a lifestyle partner

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Little details that matter

Length of the welcome promotion

September 18, 2023 to January 31, 2024.

Sign up for a National Bank^TM Platinum Mastercard^TM credit card during the promotion as a primary cardholder.
Not have held a Mastercard credit card for individuals from National Bank over the past 24 months.
Keep the account open until annual fees are reimbursed and the rewards points are paid.
Keep the account in good standing by complying with the conditions set out in the credit card agreement. 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

We will charge annual fees to the account of your new card and reimburse those fees to you. You will receive this reimbursement within five months of opening your account, provided that your account remains open. It will appear on your statement in the form of a credit.

Annual fees related to authorized users’ cards are not eligible for this promotion.

Rewards points

Points offered	Conditions
10.000	$2,500 in purchases in the first three months
10,000	$6,000 in purchases in the first 12 months
5,000	Enrolment in payment insurance* for at least the first three months

How total purchases are calculated

To be eligible, purchases must be as defined in the applicable rules for accumulating points for the À la carte Rewards Plan^TM. Eligible purchases that are the subject of a return or refund are not included in the calculation.

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

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.

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

^®À LA CARTE EXTRAS, À LA CARTE REWARDS PLAN, NATIONAL BANK and the NATIONAL BANK logo are registered trademarks of National Bank of Canada.

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
13.2%	$5.53	$33.16
9.2%	$3.78	$22.68

*Variable interest rate in effect on September 1, 2021

3. Balance transfers and cash advances are 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.

5. 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 2 points for every dollar in eligible grocery and restaurant purchases until a total of $1,000 in gross monthly purchases is charged to the account. After that, you will earn 1.5 points per dollar in eligible grocery and restaurant purchases. The total gross monthly amount is calculated based on your monthly billing period. Grocery purchases include any purchase made at a store that primarily sells food, i.e., grocery store, delicatessen, supermarket, greengrocer or specialty food store. Ready-to-eat meal services and meal delivery services are eligible. This definition excludes purchases made at retail stores and big box stores whose core business is the sale of non-food items. Certain merchants may sell products and services that appear identical or similar to those sold by eligible merchants, or may be separate merchants located on the same premises as eligible merchants, but are classified in different categories by Mastercard. For purchases at other merchants, you will only earn regular rewards points. Restaurant purchases include purchases at a restaurant, fast food restaurant, bar, nightclub or pub. For a full list of Mastercard codes associated with eligible merchants, download the terms and conditions of the À la carte Rewards Plan^®.

6. The device must have been purchased using your National Bank Platinum Mastercard credit card, or your phone plan must be paid via recurring payments charged to your National Bank Platinum credit card starting September 1, 2022. For complete terms and conditions, please consult the insurance certificate associated with your card.

Platinum Mastercard