Platinum Mastercard
Enjoy peace of mind with the card that offers travel insurance
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Annual fee for the cardholder 2
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for the first year
Annual fee for authorized cardholder 2
$35
for the first year
Purchase rate 2
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 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 trips of 10 days or less 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
Groceries7
Restaurants7
1.5 points/$1 spent
Gas and electric vehicle charging8
Recurring bill payments9
À la carte TravelTM,10
1 point/$1.50 spent
Other purchases
* 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
Other purchases
$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
$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?
- Insurance in case of accidental breaks, loss or theft of mobile devices11
- 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
- Discounts on monthly fees for The Total® and The Connected® packages
Platinum Mastercard credit card: enhance your lifestyle
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Complete
your application in minutes. 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
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
Need more information?
Little details that matter
Length of the welcome promotion
From August 16 to October 31, 2024
Eligibility conditions
- Sign up for a National Bank® Platinum Mastercard® credit card during the promotion as a primary cardholder.
- Sign up via
the redirection link provided on one of our partner's websites
during the promotion. Must not have held one of our Mastercard
credit card for individuals from National Bank over the past 24
months as a primary cardholder.
- Keep the credit card account open until rewards points are paid.
- Keep the account in good standing by complying with the conditions set out in the credit card agreement until the rewards points are paid. For example, all minimum payments must be made on time.
- Not be employed by National Bank or one of its subsidiaries.
Description of the promotion
Up to 25,000 rewards points upon signing up and annual fee refunded in the first year for the primary cardholder and an additional user.
Annual fees
No annual fees for the first year for the primary cardholder and the first additional authorized user.
We will charge annual fees to the account of your new card and reimburse those fees to you. You will receive this reimbursement within five months of opening your account, provided that your account remains open. It will appear on your statement in the form of a credit.
To benefit from the annual fee discount for the first additional authorized user’s card, you must add it to the account opening request.
Annual fees related to authorized users’ cards are not eligible for this promotion.
Rewards points
| 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 |
Enrollment in payment insurance* for at least the first three months |
In the two months following the minimum enrollment period for payment insurance. |
* To apply for enrollment in payment insurance, you must complete the sections to apply for the Credit Card Payment Protection Plan (CCPPP) included on the credit card application form.
How total purchases are calculated
The calculation is for the total amount of purchases made through all cards linked to the account. The transactions not included in the calculation are set out in article 1.5 of the À la carte Rewards PlanTM.
Other conditions
- You can only take advantage of the promotion once.
- Issuance of the card is subject to credit approval by National Bank of Canada. Other conditions apply to the issue of the card.
- This promotion may not be combined with any other promotion or offer applicable to National Bank credit cards, nor is it retroactive.
- This 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].
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.
To learn about how we protect your information, consult our Confidentiality Policies.
®Mastercard and Platinum Mastercard are registered trademarks, 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.
®THE TOTAL, THE CONNECTED, AND NATIONAL BANK are registered trademarks of National Bank of Canada.
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 |
13.45% |
$5.53 |
$33.16 |
9.45% |
$3.88 |
$23.30 |
*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 specialty 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. 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.