To learn about how we protect your information, consult our Confidentiality Policies.
Platinum Mastercard
Enjoy peace of mind with the card that offers travel insurance
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Jusqu’à 900 $ en rabais voyage ou jusqu’à 800 $ à investir dans un produit financier annuellement*
The Platinum Mastercard credit card benefits
Earn points and treat yourself
Pay your card balance or redeem your points for items, gift cards,
travel discounts and more in our online boutique.
Travel insurance
Take advantage of travel insurance for up to 10 days outside your province of residence, including trip cancellation and travel interruption insurance.4
Mobile phone insurance
Have you broken, lost or had your mobile phone stolen? Bad luck happens to everyone. With the Platinum Mastercard credit card, you’re covered for maximum of $1,000 for up to 2 years.12
Earn points, get rewards
Earn rewards points that vary according
to the categories of common purchases.
Here's how your points work.
Get more points for your daily purchases
2 points*/$1 spent
1.5 points/$1 spent
À la carte TravelTM,10
1 point/$1.50 spent
Other purchases11
* For the first increment of $1,000 in gross monthly purchases charged to the account, regardless of the purchase category. After that, you will earn 1.5 points per dollar in eligible grocery and restaurant purchases.
How to earn points every month
Here’s a look at what your monthly points accumulation with your Platinum Mastercard credit card could look like.
Category
Expenses
Points
Total
$900
1,425
* For the first installment of $1,000 in gross monthly purchases charged to the account, regardless of the purchase category.
Choose your rewards
Redeem your points for rewards: items, gift cards, travel discounts and much more! Here are some ideas to help inspire you.
Rewards
Points needed
$50 gift card
7,250
Pay $100 off your card balance
25,000
Wireless headphones
In our
online boutique
Starting from
9,380
Round-trip flight Montreal-Toronto ($375 value)
$100 off per 10,000 points on À la carte TravelTM
37,500
Subject to availability. Exchange value may vary by reward type.
New features on our online boutique
Visit our online boutique to see our new homepage and the improvements we made to the online shopping experience on À la carte Rewards. While you’re there, treat yourself by redeeming your reward points today.
Tip to help you earn more points
Think about adding an additional credit card to your account, for your spouse for example.
Your Platinum Mastercard credit card benefits
Simplify your day-to-day with our range of benefits designed to fit your lifestyle.
For those who want to enjoy every moment
With your Platinum Mastercard credit card, your everyday purchases help you earn rewards points that you can redeem on items, gift cards and vacations. How will you treat yourself?
- Medical, legal or general assistance4
- Insurance in case of accidental breaks, loss or theft of mobile devices12
- Extended manufacturer’s warranty on purchases4
- Purchase protection 4 insurance (up to 180 days)
- Contactless payments with Apple Pay® and Google Pay®
- Enhanced security with Mastercard® ID CheckTM
- Fraud protection5
- Redeem your points at the travel agency of your choice
- Experiences and À la carte Rewards Plan®
- Use your points to pay off your balance
Platinum Mastercard credit card: enhance your lifestyle
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Apply in 5 minutes or less. No minimum income is required.
6
This card not offering what you’re looking for?
Check out the World Elite® Mastercard® credit card
- Up to 5 rewards points per dollar spent
- Exclusive travel benefits
- Guaranteed extended warranty on purchases
Little details that matter
† Illustration of the potential $490 in rewards
The potential reward amount of $490 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 potential rewards |
|
|
14,495 rewards points valued at over $129 in travel discounts ($100 per 12,000 points) |
|
30,000 rewards points valued at $125 in travel discounts ($100 per 12,000 points) |
|
10,000 rewards points valued at $83 in travel discounts ($100 per 12,000 points) |
|
10,000 rewards points valued at $167 in travel discounts ($100 per 12,000 points) |
|
$70 |
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.
Card eligible for the promotion
National Bank Platinum Mastercard® credit card
Promotional advantages and terms and conditions of the promotion
To benefit from this promotion, sign up for the National Bank
Platinum Mastercard® credit card no later than January 13,
2023.
Save on annual fees the first year:
The primary cardholder will be refunded their annual card fee 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 will earn rewards points or a combination of points as follows:
Welcome points
World Elite: You will earn 30,000 rewards points if you charge
a net purchase amount of $5,000 to the credit card within 3 months of
opening your account.
Platinum: You will earn 15,000 rewards points if you charge a
net purchase amount of $3,000 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 20,000 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 10,000 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 number 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, travellers
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.
Other conditions
-
The card is issued subject to credit approval by National Bank of Canada. Certain conditions apply.
-
You must not have a National Bank Mastercard credit card or have had one in the past 24 months.
-
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.
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Annual fee 2 |
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Annual fee for additional card |
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Purchase rate |
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Balance transfer and cash advance rate 2,3 |
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Minimum credit limit 6 |
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Number of points per $ spent 1 |
Groceries and restaurants7: 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.
Gas and electric vehicle charging: 1.5 points per dollar in eligible purchases8 Recurring bill payments: 1.5 points per dollar in eligible purchases9 À la carte TravelTM: 1.5 points per dollar in eligible purchases10 Other purchases: 1 point per $1.50 in eligible purchases11 Earn points even faster by adding another card to your account (e.g. for your spouse) or by booking travel through our À la carte Travel™ online agency. |
Travel deals 1 |
With the À la carte Rewards Plan®, you have the freedom to travel with the agency and airline of your choice. For more information on travel rewards, go to rewards.nbc.ca |
À la carte Travel |
Save on vacation packages and airline tickets when you redeem your points through the À la carte Travel™ online agency. Plan your entire trip with hotel and cruise bookings, car rentals and more. |
À la carte Extras |
Invest in a financial product, save on your banking packages or pay your mortgage with your rewards points thanks to the À la carte Extras® |
Pay with rewards points |
Pay your credit card balance with your rewards points directly in your online bank. For more details, visit our Pay with rewards points page page. |
Summary and insurance certificate |
Consult the${p1.guideDistr|link:"Purchase protection summary":"":"_blank" }[PDF]| Travel insurance summary |${p1.certif|link:"Insurance Certificate":"":"_blank" }[PDF] |
Zero Liability5 |
Included |
Purchase protection against theft or damage4 |
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Extended warranty4 |
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Trip cancellation insurance4 |
Up to $1,000 per person |
Trip interruption insurance4 |
Up to $1,500 per person |
Out-of-province-of-residence medical/hospital insurance4 |
Up to $5,000,000 per person for 10 days (76 and over: no coverage) If your trip is longer than these time periods, you will not be covered. |
Flight delay insurance4 |
Up to $500 per person (over 4 hours) |
Baggage insurance in case of delay4 |
Up to $500 per person (over 6 hours) |
Baggage insurance in case of theft or loss4 |
Up to $1,000 per person |
Vehicle rental insurance4 |
Against collision, theft or damage for a period of 48 days |
Medical, general and legal assistance4 |
Included |
Mobile device insurance |
Up to $1,000 in the event of accidental breakage, loss or theft for a maximum of 2 years after the purchase date12 |
Customer service (24/7) |
|
À la carte Rewards Centre |
|
Insurance claim and assistance |
|
Lost or stolen card |
|
Chargeback |
To learn more about the terms applicable to your card, read the${p1.urlConvention.en | link:"Credit card Agreement":"":"_blank"}[PDF].
®Mastercard, World Elite and Platinum Mastercard are a registered trademark, 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.
®Apple Pay is a trademark of Apple Inc., registered in the U.S. and other countries and regions. Apple Inc. is not a sponsor of or participant in National Bank Mobile Banking Solutions.
®Google Pay is a trademark of Google LLC and this content
is not endorsed by or affiliated with Google in any way.
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.
TM CX Index and Forrester are trademarks of Forrester Research inc. National Bank of Canada received the highest CX IndexTM score among credit card issuers in Canada in Forrester’s proprietary 2021 CX IndexTM survey. The ranking was based on responses from 8,840 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 IndexTM 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.
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 |
12.90% |
$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. 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. Certain conditions apply. Visit mastercard.ca for more information. Refer to the credit card terms and conditions.
6. Subject to credit approval by National Bank.
7. 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 speciality 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®.
8. To earn 1.5 points per dollar in purchases, you will need to
purchase gas or an electrical vehicle charge from a service station or
from certain big box stores. 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. For a full list of Mastercard codes associated
with eligible merchants, download the terms and conditions of the À la carte
Rewards Plan®.
9. Recurring bill payments are defined as monthly or regular
payments automatically charged by a merchant to your National Bank
Platinum Mastercard credit card. Not all merchants offer recurring
bill payments, and not all recurring payments are considered recurring
bill payments. Certain payments therefore may not entitle you to earn
more points.
10. To earn 1.5 points per dollar in purchases, you must make your
eligible purchases via the À la carte TravelTM Agency section of
our À la carte RewardsTM site.
11. For example, if each month you charge $400 in groceries, $200 in
gas, $100 in recurring bill payments and $150 in other purchases to
your card, your $850 in purchases will earn you 1,350 points, as
follows: 800 points for grocery purchases (since the total gross
monthly amount is $850, i.e., under $1,000), 300 points for gas
purchases, 150 points for recurring bill payments and 100 points for
other purchases.
12. 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.