CREDIT CARD REWARDS

Platinum Mastercard

Get 35,000 rewards points and save on annual fees for the first year when you get the Platinum credit card.

Discover our offer 

Minimum purchase and insurance product required. Certain conditions apply.*

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Discover the Platinum Mastercard®

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Up to 2 rewards points per dollar spent1

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Travel insurance4

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Mobile device insurance12

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

Annuel fee 2
Annual fee of $70 after the first year

$70  $0

Purchase rate

20.99%

22.49%

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Fill out our secure online form

Jusqu’à 900 $ en rabais voyage ou jusqu’à 800 $ à investir dans un produit financier annuellement*

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

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$400*

800*

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$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. 

National Bank logo with À la carte rewards

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.

Visit our online boutique

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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? 

  • 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®

Welcome offer

Get your Platinum Mastercard® credit card and receive up to 35,000 rewards points and save on annual fees for the first year. 

Minimum purchase and insurance product required. Certain conditions apply.*

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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.

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 

Little details that matter

† Illustration of the potential $490 in rewards

The potential reward amount of $490 is an illustration of what can be achieved in the first year for a World Elite cardholder. It is based on the typical profile of a new cardholder who:

  Amount of the potential rewards
  • Has $15,000 in annual expenses
14,495 rewards points valued at over $129 in travel discounts ($100 per 12,000 points)
  • Take advantage of the welcome offer of 15,000 rewards points by making $3,000 in purchases during the first 3 months
30,000 rewards points valued at $125 in travel discounts ($100 per 12,000 points) 
  • Take advantage of the 10,000 rewards points offer by signing up for Mastercard credit card payment insurance for a minimum period of 3 months 
10,000 rewards points valued at $83 in travel discounts ($100 per 12,000 points)
  • Take advantage of the 10,000 rewards points offer by making $6,000 in purchases in the first 12 months
10,000 rewards points valued at $167 in travel discounts ($100 per 12,000 points)
  • Save on annual fees for the first year ($70 value)† 
$70

Certain eligibility requirements apply. The potential amount varies depending on annual account spending, travel expenses reimbursed and 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 rewards.nbc.ca.

Card eligible for the promotion

National Bank Platinum Mastercard® credit card

Promotional advantages and terms and conditions of the promotion

To benefit from this promotion, sign up for the National Bank Platinum Mastercard® credit card no later than January 13, 2023.

Save on annual fees the first year:

The primary cardholder will be refunded their annual card fee the first year. The refund will appear as a fee and a credit on their statement no later than 4 months after the account was opened.

 Rewards points:

You will earn rewards points or a combination of points as follows:

Welcome points

World Elite: You will earn 30,000 rewards points if you charge a net purchase amount of $5,000 to the credit card within 3 months of opening your account.

Platinum: You will earn 15,000 rewards points if you charge a net purchase amount of $3,000 to the credit card within 3 months of opening your account.

Points are earned on net purchases for a period of 3 months from the account opening date. Your rewards points will be added to your credit card account in a single disbursement and appear on your statement no later than 5 months after the account was opened.

Points when you sign up for credit card payment insurance 

World Elite and Platinum: You will earn 10,000 rewards points if you sign up for credit card payment insurance for a minimum of 3 months. To obtain your rewards points, complete the sections related to the Credit Card Payment Protection (CCPP) on the credit card application when you open your account.  

Your rewards points will be added to your credit card account in a single disbursement and appear on your statement no later than 5 months after the account was opened.

Points earned on the 1st anniversary of the account opening date

World Elite: You will earn 20,000 rewards points if you charge a net purchase amount of $12,000 to the credit card no later than 12 months after the account was opened.

Platinum: You will earn 10,000 rewards points if you charge a net purchase amount of $6,000 to the credit card no later than 12 months after the account was opened.

Points are earned on net purchases for a period of 12 months from the account opening date. Your rewards points will be added to your credit card account in a single disbursement and appear by the 2nd statement following your account anniversary date.

Rewards points and refund conditions

Net purchases: 

The net purchase volume is the number of purchases charged to the account minus returned items and refunds. Annual fees, balance transfers, cash advances (including transactions that can be directly converted to cash, such as money orders, bank transfers, travellers cheques and gaming transactions), interest charges and any other fees or adjustments not considered purchases are not included in the calculation of net purchases.

Account in good standing: 

The account must be open and in good standing at the time when annual fees are refunded, or rewards points are applied.

Reward limit:

There is a limit of one reward amount per category (welcome points, points for signing up for credit card payment insurance, and points earned on the 1st anniversary of the account opening date) per credit card account and per client during the promotion, regardless of the number of cards linked to the account.

Other conditions

  • The card is issued subject to credit approval by National Bank of Canada. Certain conditions apply.

  • You must not have a National Bank Mastercard credit card or have had one in the past 24 months.

  • The promotion may not be combined with another promotion applicable to National Bank credit cards, nor is it retroactive.

  • You must not be employed by us or by an entity in our group.

  • The promotion may be modified or withdrawn without notice.

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.

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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].

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 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

 

$500

$3,000

22.49%

$9.24

$55.45

20.99%

$8.63

$51.76

12.90%

$5.30

$31.81

8.9%

$3.66

$21.95

*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 TravelTM Agency section of our À la carte RewardsTM 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.