Photo of the World Elite Mastercard credit card with pictos of a fireplace, skis, snow, and an airplane

World Elite Mastercard

Get up to $1,460 in benefits and rewards following your enrollment

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*Offer valid until January 31, 2024. Minimum purchase and insurance product required.

Discover the World Elite® Mastercard® 

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Up to 5 rewards points per dollar spent 1

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Travel insurance and exclusives 4-5-6

Extended warranty on your purchases 7

Minimum gross annual income: $80,000 for the applicant or $150,000 in total family 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 fee2

$150

Purchase rate 2

20.99%

Balance transfers and cash advances 2-3

22.49%

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Secure online form

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

Experience a winter wonderland of rewards with the World Elite Mastercard credit card

Treat yourself with the National Bank World Elite® Mastercard® credit card with up to 40,000 rewards points following your enrollment.

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15,000 welcome points

If you spend $4,000 in net purchases in the 3 months following your enrollment.

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3,000 rewards points toward 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.

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12,000 points in your first year

Get 1,000 points per month when you spend $2,500 in net purchases per month in the 12 months following your enrollment.

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10,000 points on the 14th month

Get free rewards points when you spend $20,000 in net purchases over the first 14 months following your enrollment.

Get the equivalent of $1,460 in membership benefits and rewards following your enrollment.

Category

Points

Monetary value 

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15,000

$125
in travel discounts

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3,000

$25
in travel discounts

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Annual offer

12,000

$100
in travel discounts

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Offer 14 months following your enrollment

10,000

$83

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Rewards points earned after spending $56,000 over the first 14 months following your enrollment

90,720

$756

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Visit the National Bank Lounge® twice with a guest 4

-

$222

($48.29 plus tax per adult)

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Get refunded for your travel expenses (seat selection, airport parking, and more) 5

-

$150

Benefits and rewards 14 months following your enrollment

$1,460

Certain eligibility conditions apply. The potential amount varies according to annual account spending and insurance enrollment. Redemption value may vary depending on the reward type. To find out the number of points required for each reward, visit nbcrewards.ca. Travel discounts are redeemable in increments of 12,000 points only, with each increment equaling $100.

This offer for new National Bank World Elite Mastercard cardholders ends on January 31, 2024. Minimum purchase and insurance product required. Certain conditions apply.

Apply for our award-winning credit card

 

2023

Best travel credit card

 

2023

Best Mastercard credit card

 

2023

Best credit card for travel insurance

World Elite Mastercard: earn points and enjoy travel benefits


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  Complete your request in just a few minutes.

We’re here for you

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Is the World Elite Mastercard
right for you?

Apply online in just a few minutes.


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Come see us or give us a call and we'll answer all your questions.

Call us toll free:
1-888-622-2783

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Need more information?

Little details that matter 

Length of the welcome promotion

From October 3, 2023 to January 31, 2024. 

  • Sign up for a National Bank World EliteTM MastercardTM credit card during the promotion as a primary cardholder. 
  • 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 

Reward points  

Points offered Conditions  When points are awarded to the account
15,000

$4,000 in purchases in the first three months

In the two months following the end of the purchase calculation period.**
1,000 per month for 12 months

$2,500 in purchases per month for the first 12 months

Within 10 days of the end of the purchase calculation period.**
3,000

Enrollment in payment insurance* for at least the first three months.

In the two months following the minimum enrollment period for payment insurance.**
10,000

$20,000 in purchases in the first 14 months

In the two months following the end of the purchase calculation period.**

How total purchases are calculated

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

* To apply for enrolment in payment insurance, you must complete the sections to apply for the Credit Card Payment Protection Plan (CCPPP) included on the credit card application form.

** The calculation period begins at the end of a calendar month.

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

® NATIONAL BANK LOUNGE is a registered trademark of National Bank of Canada.   

® 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  

World Elite® Mastercard®

National Bank's World Elite® Mastercard® credit card has won the Milesopedia 2023 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). 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. 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. 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®.