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 April 30, 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

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$400*

800*

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$200

300

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$100

150

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$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®
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

Length of the welcome promotion

From February 1st to April 30, 2024.

  • 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. Not have held one of our Mastercard credit card for individuals from National Bank over the past 24 months.
  • 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.

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

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

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.

  • 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. 

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. 

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

12.9%

$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 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. 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.