National Bank
Drawings of the World Elite Mastercard credit cards with the welcome offer inscription, a plane and a suitcase

WELCOME OFFER

World Elite Mastercard

Get up to 40,000 rewards points when you sign up for the card, plus save on the annual fee in the first year 

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The offer for new National Bank cardholders is valid until April 16, 2023. Minimum purchase and insurance product required. Certain conditions apply.*

World Elite® Mastercard® at a glance

Picto of a plane and a shield

Travel insurance for up to 60 days

Picto of a plane

Get up to a $150 refund per year on your travel expenses

Picto of a broken mobile phone and a shield

Up to 2 years of mobile device insurance

Minimum gross annual income: $80,000 for the applicant or $150,000 in household income, subject to credit approval by National Bank. 

Annual fees 2
An annual fee of $150 will be applied after the first year

$150    $0

Purchase rate

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*

 Get your rewards now

Get the National Bank World Elite Mastercard credit card and you could get 40,000 rewards points. Redeem them and treat yourself to gift cards, travel discounts, and financial products. There’s so many options to choose from! As well, benefit from no annual fee for the first year. The primary cardholder will be refunded their annual card fee for the first year. The refund will appear as a fee and a credit on their statement no later than 4 months after the account was opened. To take advantage of our welcome offer, you must not currently hold a personal National Bank Mastercard credit card or have held one in the last 24 months.

Get up to 40,000 points

Drawing of a handshake

20,000 points

welcome points

If an amount of net purchases of $3,000 or more is charged to the credit card account during the three months following account opening.*

 

 

+

+

Drawing of a wallet with dollar signs on it

10,000 points

 when you sign up for the insurance

If you sign up for our Mastercard credit card payment insurance for a minimum period of 3 months.*

 

 

+

+

Drawing of a calendar

10,000 points

on the first anniversary

If $12,000 or more in net purchases are charged to the credit card within 12 months of opening the account.*


This offer for new National Bank Mastercard cardholders ends on April 16, 2023. To take advantage of our welcome offer, you must not currently hold a personal National Bank Mastercard credit card or have held one in the last 24 months. Minimum purchase and insurance product required. Certain conditions apply.*

Receive benefits and rewards over the first year valued at $1,502 †
 

Illustration of a sofa, a martini glass, two suitcases and a shield

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.

Value of each benefit and reward


Welcome points:
20,000 rewards points after signing up

$166
in travel discounts

Payment insurance membership credit card offer: 10,000 rewards points

$83
in travel discounts

Offer on the 1st anniversary:
10,000 rewards points

$83
in travel discounts

Save on annual fees for the first year on your first card

$150

77,760 rewards points after spending $48,000 annually

$648

Travel-fee refunds
 

$150

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

$222

($48.29 per adult plus taxes)

Benefits and rewards during the first year when you reach the minimum purchase amount required

$1,502

Apply for our award-winning credit card

 

2023

Best travel credit card*

 

2023

Best Mastercard credit card*

 

2023

Best credit card for travel insurance*

Travel and earn rewards with the World Elite Mastercard credit card


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Little details that matter 

† Illustration of the potential $1,502 in benefits and rewards

The potential benefit and reward amount of $1,502 is an illustration of what can be achieved in the first year for a World Elite cardholder. It is based on the typical profile of a new cardholder who:

  Amount of the benefits and rewards
  • Has $48,000 in annual expenses
 77,760 rewards points valued at over $648 in travel discounts (redeemable in increments of 12,000 points only, each increment equaling $100)  
  • Take advantage of the welcome offer of 20,000 rewards points by making $3,000 in purchases during the first 3 months
 20,000 rewards points valued at $166 in travel discounts (redeemable in increments of 12,000 points only, each increment equaling $100)  
  • Take advantage of the 10,000 rewards points offer by signing up for Mastercard credit card payment insurance for a minimum period of 3 months 
 10,000 rewards points valued at $83 in travel discounts (redeemable in increments of 12,000 points only, each increment equaling $100)  
  • Take advantage of the 10,000 rewards points offer by making $12,000 in purchases in the first 12 months
 10,000 rewards points valued at $83 in travel discounts (redeemable in increments of 12,000 points only, each increment equaling $100)  
  • Save on annual fees for the first year ($150 value)
 $150
  • $150 in travel-fee refunds
 $150
  • Two-time entrance with a guest to the National Bank Lounge
 $222 ($48.29 per adult plus taxes) 

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. 

Duration of the promotion 

February 13, 2023, to April 16, 2023. 

Cards eligible for the promotion 

National Bank Platinum and World Elite® Mastercard® credit cards. 

Promotional advantages and terms and conditions of the promotion 

To benefit from this promotion, sign up for one of the eligible credit cards no later than April 16, 2023.  

In addition, you must not be a primary cardholder of a personal National Bank Mastercard credit card or have been in the last 24 months.  

Save on annual fees the first year: 

The primary cardholder will be refunded their annual card fee for the first year. The refund will appear as a fee and a credit on their statement no later than 4 months after the account was opened. 

Rewards points: 

You could earn a combination of rewards points as follows: 

Welcome points 

World Elite: You will earn 20,000 rewards points if you charge a net purchase amount of $3,000 to the credit card within 3 months of opening your account. 

Platinum: You will earn 10,000 rewards points if you charge a net purchase amount of $2,500 to the credit card within 3 months of opening your account. 

Points are earned on net purchases for a period of 3 months from the account opening date. Your rewards points will be added to your credit card account in a single disbursement and appear on your statement no later than 5 months after the account was opened. 

Points when you sign up for credit card payment insurance  

World Elite and Platinum: You will earn 10,000 rewards points if you sign up for credit card payment insurance for a minimum of 3 months. To obtain your rewards points, complete the sections related to the Credit Card Payment Protection (CCPP) on the credit card application when you open your account.   

Your rewards points will be added to your credit card account in a single disbursement and appear on your statement no later than 5 months after the account was opened. 

Points earned on the 1st anniversary of the account opening date 

World Elite: You will earn 10,000 rewards points if you charge a net purchase amount of $12,000 to the credit card no later than 12 months after the account was opened. 

Platinum: You will earn 5,000 rewards points if you charge a net purchase amount of $6,000 to the credit card no later than 12 months after the account was opened. 

Points are earned on net purchases for a period of 12 months from the account opening date. Your rewards points will be added to your credit card account in a single disbursement and appear by the 2nd statement following your account anniversary date. 

Rewards points and refund conditions 

Net purchases: The net purchase volume is the amount of purchases charged to the account minus returned items and refunds. Annual fees, balance transfers, cash advances (including transactions that can be directly converted to cash, such as money orders, bank transfers, traveller’s cheques and gaming transactions), interest charges and any other fees or adjustments not considered purchases are not included in the calculation of net purchases. 

Account in good standing: The account must be open and in good standing at the time when annual fees are refunded, or rewards points are applied. 

Reward limit: There is a limit of one reward amount per category (welcome points, points for signing up for credit card payment insurance, and points earned on the 1st anniversary of the account opening date) per credit card account and per client during the promotion, regardless of the number of cards linked to the account. 

Change in an eligible credit card: If you sign up for an eligible card during the promotion and subsequently change your card before the first anniversary of opening your account, you will earn the points applicable on the 1st anniversary of the date you activated your card, provided that you meet the promotion conditions. 

Other conditions 

  • The card is issued subject to credit approval by National Bank of Canada. Certain conditions apply. 
  • The promotion may not be combined with another promotion applicable to National Bank credit cards, nor is it retroactive. 
  • You must not be employed by us or by an entity in our group. 
  • The 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 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. Please consult 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.

Examples of credit charges

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 transfers and cash advances 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. 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.