Illustration of the Platinum Mastercard credit card, a cocktail, a plane ticket, and a tag that says 20,000 points


Platinum Mastercard

Get 20,000 points and save on the annual fee for the first year when you open your account

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Limited time offer. Minimum purchase of $3,000 over the first 3 months required.
Certain conditions apply.*

20,000 points


per dollar spent1

No annual fee for the first year


Annual fee of $89 after the first year


Purchase rate


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

The benefits of the Platinum Mastercard credit card 

Get a rewards card that perfectly fits your lifestyle. Thanks to its numerous benefits, the National Bank® Platinum Mastercard® credit card is the ideal partner for all your projects, no matter how big or small. 

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 No minimum income required 

A rewards card tailored to you, regardless of your annual income (subject to National Bank credit approval). A simple and easy way to help you build your credit.

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Earn points with every purchase

You’ll earn points with every purchase. You can trade them in for rewards, offers and products from your favourite available brands. 

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Travel insurance 

Looking to get away? Get up to 10 days of coverage for your out-of-province travels, including trip cancellation or interruption insurance.4 It's all about peace of mind.

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Extended warranty on your purchases

Get an extended warranty on most credit card purchases for up to 2 additional years.4 Extra protection for your new purchases.

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The benefits of some credit cards are changing soon

Starting September 1, 2022, certain purchases may be able to earn more rewards points for the same amount spent. Other changes will also apply. See our Important notices page for full details.

For those who live life to the fullest  

Take advantage of all the benefits your Platinum Mastercard has to offer, including earning points with every purchase. 

Benefit from of our welcome offer 

Treat yourself with 20,000 rewards points. On top of that, save on your annual fee and get an additional card free for the first year.

Discover the conditions of this limited time offer. Minimum purchase required.

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A personalized customer experience

For the second year in a row, National Bank ranked #1 in Customer Experience among credit card issuers according to the 2021 Forrester CX IndexTM.

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The Platinum Mastercard: your lifestyle partner 

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  Apply in 5 minutes or less. No minimum income is required.6

Little details that matter

*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.

Annual fee 2


Annual fee for additional card


Purchase rate


Balance transfer and cash advance rate 2,3


Minimum credit limit 6

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Annual fee 2


Annual fee for additional card


Purchase rate


Balance transfer and cash advance rate 2,3


Minimum credit limit 6

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Number of points per $ spent 1

$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 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

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


Customer service (24/7)

À la carte Rewards Centre

Insurance claim and assistance

Lost or stolen card


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

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

®Platinum Mastercard is 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 PROGRAM, NATIONAL BANK and the NATIONAL BANK logo are registered trademarks of National Bank of Canada.

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
















*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 for more information. Refer to the credit card terms and conditions.

6. Subject to credit approval by National Bank.

Ready to travel with the Platinum Mastercard®?

Completing an application takes just a few minutes.

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