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Exclusive promotion
World Elite Mastercard
Get up to $1,372 in benefits and rewards for the first year*
*Promotion valid for new clients until June 29, 2026. Minimum purchases, insurance product, and a first chequing account with an eligible package are required. Conditions apply.
Minimum annual income: $80,000 for the applicant, or $150,000 for household income. Subject to National Bank credit approval. To take advantage, you must not currently hold, or have held a National Bank Mastercard credit card in the past 24 months.
Annual fee for the second authorized card2
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Balance transfers and cash advances 2-3
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Secure online form
Jusqu’à 900 $ en rabais voyage ou jusqu’à 800 $ à investir dans un produit financier annuellement*
A credit card designed for you
Spending can earn you more than you think. Apply for a National Bank® World Elite® Mastercard® credit card, and you can get up to $1,372 in benefits and rewards for the first year, including 50,000 points as part of the promotion.*
Earn 10,000 rewards points
When you complete $5,000 in net purchases in the first 3 months following your enrollment.**
10,000 points = approximately $90 in travel discounts
Earn 20,000 rewards points
When you complete $20,000 in net purchases in the first 12 months following your enrollment.**
20,000 points = approximately $180 in travel discounts
Earn 10,000 rewards points
By enrolling in credit card insurance* for at least the first 3 months.
10,000 points = $90 in travel discounts
Average points earned annually outside without the offer
73,340 points = $522 in travel discounts
Apply for our award-winning credit card
2024, 2025 and 2026
National Bank of Canada's World Elite credit card received the best Mastercard* award for the third year in a row
2024, 2025 and 2026
Best travel credit card* National Bank of Canada's World Elite credit card has been honoured with the best Mastercard credit card for travel for the third consecutive year
Exclusive World Elite Mastercard benefits
National Bank Lounge
Work or relax in comfort with free access to our National Bank Lounge ®. Waiting for an international flight has never been this comfortable!
Refunds on travel expenses
Get an annual refund 3 of up to $150 on travel expenses including airport parking, baggage fees, seat selection, access to airport lounges worldwide and plane ticket upgrades.
Travel insurance
Ensure peace of mind with insurance that covers medical needs outside your province of residence, trip interruption insurance, trip cancellation insurance, and much more.
Earn points, get rewards
Get more points for your daily purchases
5 points*
2 points
À la carte TravelTM,12
1 point
Other purchases13
* For the first installment of $2,500 in gross monthly purchases charged to the account, regardless of the purchase category. After that, you will earn 2 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 World Elite Mastercard credit card could look like.
Category
Expenses
Points
Total
$2,000
4,980
* For the first installment of $2,500 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
Starting from
37,500
Subject to availability. Exchange value may vary by reward type.
Use your rewards points to travel
Feel the need to get away? Use the À la carte Travel benefit to redeem your points for flights, hotels, and vacation packages with help from our experienced advisors.
Tip to help you earn more points
Think about adding
an additional credit card to your account, for your spouse for
example. To learn more about how you can quickly earn rewards points,
read
more here.
Enjoy 10,000 rewards points when you open a chequing account
Open a first chequing account (i) with The Connected® or The Total® package, our offer for professionals, or a bank account for newcomers in the 7 days following your application for the credit card. You’ll then receive 10,000 rewards points.
10,000 points = approximately $90 in travel discounts
That’s not all:
Enjoy up to $150 in annual travel expense reimbursements 5 with your new card, covering seat selection, airport parking, checked luggage, and more.
Certain eligibility requirements apply. The potential amount varies depending on the annual expenses charged to the account, insurance enrollment, opening a first chequing account with an eligible package, as well as the value of the card's benefits (travel reimbursements). Redeemable value may vary by reward type. To find out the number of points required for each reward, visit nbcrewards.ca. Travel discounts are redeemable in increments of 10,000 points only, equivalent to $100 each.
*Promotion for new clients ends on June 29, 2026. Minimum purchases, an insurance product, and a first chequing account with an eligible package are required. Conditions apply.
Get a quick response
Submit your request online from the comfort of your home, and get a response in less than a minute.7
Little details that matter
Length of the welcome promotion
From February 3 to June 29, 2026
Eligibility conditions
- Sign up for a National Bank® World Elite® Mastercard® credit card via the redirection link provided on the Milesopedia network websites during the promotion as a primary cardholder.
- Not have held any National Bank Mastercard credit card for individuals in the past 24 months as the primary cardholder.
- Maintain the credit card account open and in good standing until the rewards points are paid. To be considered in good standing, you must comply with the conditions set out in the Credit Card Agreement, such as paying all fees and minimum payments on time.
- Not be employed by us or by any entity within our group.
Description of the promotion
Reward points
| Points offered | Conditions | When the points are credited to the account |
|---|---|---|
Other products and services following enrollment |
||
| 10,000 |
Sign up for payment insurance* for at least the first 90 days. | Within five months of the minimum period of enrolment. |
Minimum purchases required |
||
| 10,000 | $5,000 in net purchases in the first 90 days | By the end of the 6th month after enrolment ** |
| 20,000 | $20,000 in net purchases in the first 12 months | By the end of the 15th month after enrolment** |
*To apply for payment insurance, you must complete the Credit Card Payment Protection Plan (CCPP) section in the credit card application form.
**The purchase calculation period starts on the date you sign up for the card. For example, if you sign up for the card on 15 February 2026, you have until 15 May 2026 to make the required $5,000 in purchases to obtain the 5,000 points offered, which will be credited to your account by the end of August 2026.
Bonus current account offer
Combine your credit card with the opening of a first current account within a maximum of 7 days following the signing of the credit card application form and meet the following conditions to obtain bonus rewards points:
| Points offered | Conditions | When points are awarded to the account |
|---|---|---|
| 10,000 | (i) Open a first current account with National Bank as the main holder, co-holder or sole holder, not having held one in the past two years as a main holder, co-holder or sole holder, and subscribe to one of the following packages:
(ii) Keep the current account with an eligible package open and in good standing for at least the first 180 days and until the points are credited to the credit card account. All conditions in this section must be met to qualify for this bonus. |
By the end of the 9th month following credit card enrolment |
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 may only benefit from the promotion once.
The card is issued subject to credit approval by the National Bank. Other conditions apply to the issue of the card.
You must keep your National Bank current account in good standing for at least 180 days from the date the new current account is opened and until the points are credited to the credit card account. For the purposes of this promotion, the current account is not in good standing if:
- It is overdrawn, meaning it has an unauthorised negative balance.
- It has been used inappropriately, unauthorisedly, illegally, or abusively, as described in article 8.7 of the Deposit Account Agreement of the National Bank.
This promotion may not be combined with any other promotion applicable to National Bank credit cards, nor is it retroactive.
This promotion may be modified or withdrawn without notice.
| Minimum age | Age of majority in the province or territory where you live |
| Legal status |
Canadian resident |
| Gross annual income or Minimum purchases per year (existing client only) or Investable assets |
$80,000 for applicant or $150,000 for household income $25,000 charged to the card annually $400,000 |
You aren't eligible? Discover the World Mastercard Credit Card or the Platinum Mastercard credit card.
Number of points per $ spent1 |
Groceries and restaurants6: 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: 2 points per dollar in eligible purchases10 Recurring bill payments: 2 points per dollar in purchases11 À la carte TravelTM: 2 points per dollar in purchases12 Other purchases: 1 point per dollar in purchases13 |
Travel deals1 |
With the À la carte RewardsTM, 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 TravelTM 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. |
Summary and insurance certificate |
Consult the Purchase protection summary [PDF] | Travel insurance summary [PDF] | Insurance Certificate [PDF] |
Zero Liability9 |
Included |
Purchase protection in the event of theft or damage7 |
180 days following the purchase date |
Extended warranty7 |
Possibility of tripling the manufacturer's warranty (up to 2 additional years) |
Trip cancellation insurance7 |
Up to $2,500 per person |
Trip interruption insurance7 |
Up to $5,000 per person |
Out-of-province-of-residence medical/hospital insurance7 |
Up to $5,000,000 per person:
If your trip exceeds these time frames, you will not be covered. |
Departure flight delay insurance7 |
Up to $500 per person (over 4 hours) |
Baggage insurance in case of delay7 |
Up to $500 per person (over 6 hours) |
Baggage insurance in case of theft or loss7 |
Up to $1,000 per person |
Vehicle rental insurance7 |
Against collision, theft or damage for a period of 48 days or less |
Medical, general and legal assistance7 |
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 date14 |
Customer service (24/7) |
|
À la carte Rewards Centre |
|
Travel fee reimbursement |
|
Insurance claim and assistance |
|
Lost or stolen card |
|
Chargeback |
To learn more about the terms applicable to your card, read the the Credit card Agreement [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.
®Mastercard et World Elite are registered trademarks, and the circles design is a trademark of Mastercard International Incorporated. Authorized user: National Bank.
® The À LA CARTE REWARDS logo is a registered trademark 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.
® À LA CARTE REWARDS PLAN is a registered trademark 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.
† World Elite® Mastercard®
National Bank® of Canada World Elite® Mastercard® credit card was named the best Mastercard credit card by Milesopedia in 2026, 2025 and 2024.
National Bank® of Canada World Elite® Mastercard® credit card was named the best travel credit card by Milesopedia in 2026, 2025 and 2024.
Each year, Milesopedia examines the credit card offers of the largest financial institutions and establishes its ranking according to more than 150 criteria such as fees, welcome offers, minimum income required, number of points per category, account credits, insurance, airport lounge access, etc.
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 |
13.2% |
$5.53 |
$33.16 |
9.2% |
$3.78 |
$22.68 |
*Variable interest rate in effect on September 1, 2021
3. Balance transfer and cash advance are subject to credit approval
by National Bank. Each balance transfer must be at least $250.
4. Exclusively available to World Elite Mastercard cardholders. Guests must present their physical credit card and boarding pass to access the National Bank LoungeTM.
The Lounge is only available to clients travelling to international destinations, excluding Canada and U.S. flights.
Cardholders benefit from free and unlimited access with a guest and two children aged 12 or under.
Until July 31, 2026 (date is subject to change), guests can spend a maximum of three (3) hours in the Lounge. As of August 1, 2026 (date is subject to change), due to the renovations, guests can spend a maximum of two (2) hours in the temporary lounge. Private Banking 1859® World Elite® Mastercard® credit cardholders can spend a maximum of three (3) hours in the temporary lounge.
National Bank clients who are not World Elite® Mastercard® cardholders can also access the current lounge while enjoying a 25% discount on these rates:
- $63.24 taxes included for adults (excluding discount)
- $40.24 taxes included for children aged 2 to 12 (excluding discount)
- Free for children under 2 years old (excluding discount)
The entrance fee is subject to change without notice and is the responsibility of the lounge operator.
5. Clients must submit required documents within the given deadline. Certain conditions may apply. Only the primary cardholder (“Cardholder”) of National Bank World Elite Mastercard whose account is in good standing can request a refund of travel expenses. An account in good standing refers to an account linked to a credit card which complies with the Agreement governing the use of the credit card and which is not subject to any restrictions. For example, the annual fees related to the credit card must have been paid in full. The maximum amount that can be submitted for reimbursement between January 1 and December 31 of each year is $150.
Eligible expenses include:
- airport parking fees
- baggage fees
- seat selection fees
- access to airport lounges worldwide
- airline ticket upgrades
The claim must be submitted within 60 days of the purchase date and accompanied by proof of purchase. The travel fees must be charged to the National Bank World Elite Mastercard credit card. The maximum reimbursement amount is $150 per account. The refund will be issued within 7 business days following the request approval date and after receiving all required information. An amount not claimed in a year cannot be carried over to the following year. For more information or to obtain the refund form, sign in to rewards.nbc.ca, click the Refund of travel expenses tab and complete the form, you can also contact us at 1-888-296-8881 (toll-free).
6. 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 5 points for every dollar in eligible grocery and restaurant purchases until a total of $2,500 in gross monthly purchases is charged to the account. After that, you will earn 2 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®.
7. 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.
8. Subject to credit approval by National Bank.
9. Certain conditions apply. Visit mastercard.ca for more information. Refer to the credit card terms and conditions.
10. To earn 2 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®.
11. Recurring bill payments are defined as monthly or regular payments automatically charged by a merchant to your National Bank World Elite 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.
12. To earn 2 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.
13. 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 2,750 points, as follows: 2,000 points for grocery purchases (since the total gross monthly amount is $850, i.e., under $2,500), 400 points for gas purchases, 200 points for recurring bill payments and 150 points for other purchases.
14. Up to $1,000 in the event of breakage, loss or theft for a maximum of 2 years after the purchase date. The device must have been purchased using your National Bank World Elite Mastercard credit card, or your phone plan must be paid via recurring payments charged to your National Bank World Elite credit card starting September 1, 2022. For complete terms and conditions, please consult the insurance certificate associated with your card.