WELCOME OFFER

Platinum Mastercard

Get up to 25,000 rewards points and save on annual fees for the first year when you get your card

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*Offer available until Mai 12, 2024. Minimum purchase and insurance product required.

 

Your Platinum Mastercard® at a glance

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Up to 2 rewards points per dollar spent1

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Complete travel insurance for up to 10 days4

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Mobile device insurance4

No minimum annual income required. Subject to National Bank credit approval.

Annual fee for the cardholder for the first year 2

$70  $0

Annual fee for authorized cardholder for the first year 2

$35  $0

Reimbursed the first year, $70/year and/or $35/year thereafter.

Purchase rate

20.99%

Balance transfers and cash advances2-3

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*

Platinum Mastercard: Get two cards and maximize your rewards

We all know sharing is caring, so enjoy our rewards with a loved one when you get a National Bank Mastercard credit card. Receive up to 25,000 rewards points and pay no annual fee for the first year.

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Welcome offer

10,000 points = $83 in travel discounts

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Offer to sign up for credit card payment insurance

5,000 points = $41 in travel discounts

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Offer on account first anniversary

10,000 points = $83 in travel discounts

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First year savings on annual fees for primary card and/or for an addtional card

$70 and/or $35

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Points earned after $15,000 spent

15,495 points = $129 in travel discounts

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 Platinum Mastercard cardholders ends April 30, 2024. Minimum purchase and insurance product required. Certain conditions apply.

The Platinum Mastercard credit card benefits

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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. 

How do points work?

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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

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1.5 points/$1 spent

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1 point/$1.50 spent

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* 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

Picto of a grocery cart

$400*

800*

Picto of a car

$200

300

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$100

150

Picto of a plane

$50

75

Picto of shopping bags

$150

100

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

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$50 gift card

7,250

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Pay $100 off your card balance

25,000

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Wireless headphones
In our online boutique

Starting from
9,380

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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. 

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New features on our online boutique

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Tip to help you earn more points 

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? 

  • Out-of-province hospital medical insurance4
  • Flight cancellation or trip interruption insurance4
  • Delayed flight and stolen luggage insurance 4
  • Stolen or lost luggage insurance4
  • Vehicle rental insurance (local or abroad4)
  • 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®
Photo of the National Bank Platinum Mastercard credit card

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 

We’re here for you

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Is the Platinum Mastercard right for you?

Apply online in 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

Points offered
Conditions
When points are awarded to the account

10.000

$2,500 in purchases in the first three months
In the two months following the end of the purchase calculation period.*

15,000

$6,500 in purchases in the first 12 months
In the two months following the end of the purchase calculation period.*

5,000

Enrolment in payment insurance** for at least the first three months
In the two months following the minimum enrolment period for payment insurance.

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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.

  • 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.

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.
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®

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

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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].

There are two main elements of a joint credit card:

  • The primary cardholder’s name will be the one that appears on the credit card contract. This person can decide to add up to three authorized users to their account, as well as remove them at any time. They must meet all the eligibility criteria to apply for a credit card. 
  • An authorized user has their own card and PIN. However, all transactions made by that person are charged to the primary cardholder’s account. An authorized user could be a spouse, a child aged 16 or older, or a friend. The designated person doesn’t need to meet all of the eligibility criteria to access their card. 

Please remember that the primary cardholder is responsible for paying any outstanding balances and managing the account. This also means that they’re the ones who will receive any cashback generated by the account. If any disagreements or separations occur, the authorized users and primary cardholder must agree on how to proceed. 

The authorized user doesn’t receive a statement and doesn’t have access to transaction details and account information, including the credit card limit. However, both cardholders can enjoy the benefits of their card. They can also change their respective PINs, as well as cancel or replace their cards.

How do I get a joint credit card?

If you’re applying for a new credit card, answer “Yes” to the “Do you need an additional card” question in our application form.

If you’d like an additional card for an existing account, fill out our credit card application or call us at 1-888-622-2783. 

Please note that there’s an annual fee for an additional credit card. 

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