Platinum Mastercard

Regarding this welcome offer ending on August 31, 2022, it includes a 3-month period during which you get a discount on the account if a minimum amount of net purchases is charged to the World Elite Mastercard credit card.

Promotion of 20,000 rewards points upon joining and pay no annual fee for the first year:

Promotion valid from February 14, 2022 to August 31, 2022 for National Bank Platinum^®, World Elite^® and Platinum Business Mastercard^® credit cards. To take advantage of this offer, you must sign up for an eligible National Bank credit card by August 31, 2022. Credit card issued subject to credit approval by National Bank. Certain conditions apply.

Savings on annual fees for the first year:

The annual fees for the card will be refunded for the first year for the primary cardholder and for the first authorized user added to the account. To receive the annual fee refund for the first authorized user, you must add them on the account opening application. Annual fees will appear as a charge and credit on the 4th statement, at the latest, after your account is opened.

The primary cardholder is responsible for all charges to the account, including those incurred by authorized users.

Bonus rewards points:

The 20,000 rewards points applied under this promotion will be credited to the credit card account in a single payment no later than the 5th statement following the account opening:

Platinum or World Elite Mastercard: you'll get 20,000 rewards points if $3,000 or more in net purchases are charged to the credit card account within the first three months following enrollment.

Platinum Business Mastercard: you'll get 20,000 rewards points if $5,000 or more in net purchases are charged to the credit card account within the first three months following enrollment.

The account must be in good standing at the time the annual fees are refunded and bonus rewards points are applied.

The net purchases charged to your card are calculated over a period of three months, starting at account opening. For example, if the account is opened on March 15, 2022, the account holder will have until June 15, 2022 to charge the required amount of purchases to the account and obtain the bonus rewards points.

Net purchases refer to the amount in purchases charged to the account, excluding returns and refunds. Annual fees, balance transfers, cash advances (including transactions that can be converted directly to cash, such as money orders, traveller's cheques and gambling transactions), interest charges and any other fees and adjustments are not considered purchases and are therefore not included in the calculation.

Eligibility and terms and conditions

This promotion is intended for individuals who do not have a National Bank Mastercard credit card and have not held a National Bank credit card within the last 24 months. There is a limit of 20,000 rewards points per eligible credit card account during the promotional period, regardless of the number of credit cards associated with the account. It cannot be combined with any other National Bank credit card promotion. Employees of National Bank and its subsidiaries and entities are not eligible for this promotion. The promotion may be modified, extended or cancelled, without prior notice, at any time.

To learn about how we protect your information, consult our Confidentiality Policies.

^®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 Index^TM score among credit card issuers in Canada in Forrester’s proprietary 2021 CX Index^TM 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 Index^TM 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

_{*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 Travel^TM Agency section of our À la carte Rewards^TM 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.