Photo of a Platinum Mastercard

Platinum Mastercard

Earn 1 point for every dollar spent

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per dollar spent 1

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Annual fee


Purchase rate


Interest rate (balance transfers and cash advances)2-3

Benefits of the ${p1.nomProduit}

Comprehensive travel insurance

Comprehensive travel insurance

Enjoy up to 10 days' coverage with our travel, trip cancellation/interruption, baggage loss and car rental insurance.4

Travel agency

Travel agency

Get more for your points when you redeem them for travel rewards. Call 1‑800‑561‑3653 for information.

Travel deals

Travel deals

Visit the À la carte RewardsTM site to claim any eligible expenses for travel not booked through the À la carte TravelTM online agency.

Purchase protection

Purchase protection

Protect your new purchases from theft or damage for up to 180 days after the date of purchase.4

Pay with points

Rewards that pay off

Pay your card balance, invest in a Financial product or pay your mortgage with your rewards points or our À la carte Extras program®.

Dedicated online store

Dedicated online store

Redeem your points at our online store where we offer a wide range of rewards from top brands.

How to take advantage of your rewards?


step 1

Apply for your card

To be eligible you need to:

  • For Canadian resident in age of majority, according to the province or territory where you live 

*See all criteria

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Not sure yet? Compare cards

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step 2

Earn points

By charging just $2,000 a month to your card, you can get up to 24,000 rewards points per year and earn up to $200 in rewards.


step 3

Redeem your points

Ready to get started?

Shop rewards

Is this your first visit?

Create an account

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A distinguished customer experience

For the second year in a row, National Bank ranks #1 among credit card issuers for Customer Experience according to the 2021 Forrester CX IndexTM. Sign up for a credit card and take advantage of a number of features and free services. Learn more.

Not sure yet?

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Completing an application takes just a few minutes.

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Little details that matter

Promotion ended


The offer that ended on December 20, 2021, included a period of 3 months, during which time you received accounts benefits and rewards points if a minimum amount of net purchases was charged to the eligible credit card account. 

*Offer of 15,000 rewards points when you join and save on the annual fee for the first year.

Promotion valid from September 20, 2021, to December 20, 2021, for National Bank Platinum, World, World Elite® and Platinum Mastercard® Business credit cards. To take advantage of this offer, you must sign up for an eligible National Bank credit card by December 20, 2021. Credit card issued subject to credit approval by National Bank. Some conditions apply.   

*Example: potential $1,075 in benefits and rewards  

$1,075 is an example of the number of benefits and rewards a World Elite cardholder could get the first year. This amount is based on the typical profile of a new cardholder wh

  Benefits and rewards
Charges $30,000 to their account each year
45,000 rewards points, equivalent to a value of over $350 in electronic gift cards ($100 per 12,500 points) or travel discounts ($100 per 12,000 points)
Receives the 15,000 bonus points by charging $3,000 in purchases to their card in the first 3 months†
15,000 rewards points are offered at enrollment, a value of $125 in travel discounts ($100 per 12,000 points). Value at redemption may vary based on the rewards selected. To see how many points are required for each reward, visit 
Saves on the card's annual fee for the first year ($150 value)†
Receives $250 in travel refunds
Visits the National Bank Lounge twice with a guest
$222 ($48.29 plus taxes per adult)

Certain eligibility conditions apply. The potential amount varies based on the amount charged to the card each year, the travel fees refunded and the 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 

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). It will appear as a charge and credit on the second or third statement after your account is opened. To receive the annual fee refund for the first year, you must make your first purchase on the account within the first 45 days of opening the account.  

Bonus rewards points:

The bonus rewards points 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, World, or World Elite Mastercard: get 15,000 rewards points if $3,000 in net purchases or more are charged to the credit card account within the first three months following enrollment.

Platinum Business Mastercard: get 15,000 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 three months, starting at account opening. For example, if the account is opened on October 15, 2021, the account holder will have until January 15, 2022, to charge the required amount in purchases to the account and obtain the bonus rewards points.

Net purchases refer to the amount in purchases charged to the account minus the 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. The promotion does not apply to additional cards. 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. 

Eligibility criteria





Annual fee and interest rate

Annual fee2


Annual fee for additional card


Purchase rate


Balance transfer and cash advance rate2,3


Minimum credit limit6

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Rewards plan

Number of points per $ spent1

$1 in purchases = 1 point

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 deals1

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 

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.
Discover the À la carte Travel online agency

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 program®

Repayment with rewards points

Pay your credit card balance with your rewards points directly in your online bank

For more details, visit our Repay with points program page.


Summary and insurance certificate

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Zero Liability5


Purchase protection against theft or damage4

${p1.assuranceAchats} days following the purchase date

Extended warranty4


Trip cancellation insurance4

Up to $1 250 per person

Trip interruption insurance4

Up to $2 500 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 (theft of personal effects up to $2,000)

Medical, general and legal assistance4


Important phone numbers

Customer service (24/7)

À la carte Rewards Centre

Insurance claim and assistance

Lost or stolen card


Cardholder Agreement

To learn more about the terms applicable to your card, read the${p1.urlConvention.en | link:"Cardholder Agreement":"":"_blank"}[PDF].

Confidentiality Policies

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

Legal Disclaimers

TM CX Index and Forrester are trademarks of Forrester Research inc

National Bank of Canada received the highest CX Index™ score among credit card issuers in Canada in Forrester’s proprietary 2021 CX Index™ 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™ 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. Please consult the rules governing reward points under Rewards plan.

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
















*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. 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, his/her 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 for more information. Refer to the credit card terms and conditions.

6. Subject to credit approval by National Bank

®À LA CARTE EXTRAS is a registered trademark of National Bank.

®Mastercard Platinum, Tap & Go and Priceless cities are registered trademarks, and the circles design is a trademark of Mastercard International Incorporated. Authorized user: National Bank.

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 ID Check and Identity Check are trademarks of Mastercard International Inc. Authorized user: National Bank.

Ready to travel with the Platinum Mastercard®?

Completing an application takes just a few minutes.

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