Managing your Mastercard credit card

Understand your credit card

What can your card do for you?

Explore the features and benefits of your National Bank Mastercard credit card!

On this page

Common transactions        Digital payments       Card details        Security        


 

Common transactions

You can activate your new National Bank Mastercard credit card online or by phone.  

Online:

In your online bank, select your credit card account then click on Activate my card in the dedicated banner. Once you have completed the information, click on Activate my card.   

You can also view the step-by-step demo.

By phone: 

Call an advisor at 1-800-268-0808

Is this your first National Bank credit card?

Your personal identification number (PIN) will be mailed separately from your card. If you haven't already done so, you will need to activate your card by following the instructions provided.

Renewing an expired card?

Your PIN will remain the same. Simply activate your card and start using it.

Want to change your PIN?

Change your PIN at any National Bank ABM.

Forgot your PIN?

To create a new PIN:

You can request a credit limit increase on your card at any time.

From your online bank:

  1. Click Overview.
  2. Select your credit card.
  3. Click Increase my credit limit.
  4. Follow the instructions.

You can also contact Mastercard Customer Service at 1-888-622-2783 to request a credit limit increase.

Do you have a rewards card or a cashback card? Earn rewards or cashbacks more quickly by adding an additional card to your account.

Apply for a joint Mastercard adding an additional card to your account or call us at  1 888 9 MY CARD (1 888 969 2273) or 514 394 1427.

Redeem your rewards points for brand-name items, gift cards, travel discounts or National Bank products.

Earn cashback automatically when eligible purchases are charged to your cashback credit card.

Do you have questions about redeeming rewards points or getting cashback? See the FAQ.

Ready to redeem your points? Visit our boutique!

Going away?

To make sure your cards don't get blocked, sending a travel notification by signing in to National Bank online and clicking "Online applications", or by opening the mobile app and selecting "Banking services."

Take full advantage of your card!

Our PlatinumWorld and World Elite Mastercard® credit cards offer great travel perks, including comprehensive travel insurance, discounts at our online À la carte Travel™ agency, VIP experiences with Mastercard Priceless Cities® and more!

Discover the benefits of our travel credit cards.

Avoid late payments with pre-authorized debitsSet up automatic payments before each due date. Simple. Smart. Effective.

Digital payments

Use contacless payment (formerly PayPass®) to pay without entering your PIN. Simply hold your card up to the terminal and you're good to go! National Bank credit cards allow contactless payments above $100 with participating merchants.

Discover

When it's time to pay, just open the app, choose a credit card and hold your iPhone or Apple Watch near the reader with your thumb on Touch ID.

To use this service, you'll need to download the latest versions of the National Bank mobile app and iOS, watchOS or macOS.

Apple Pay

At participating merchants: simply hold your Android smartphone near the reader and wait for your payment confirmation.

In-app purchases: Select "Pay with Google Pay" when you complete your order.

Google Pay

Card details

Depending on the Mastercard credit card you choose, you can enjoy:

All our cards offer purchase protection, enhanced security and access to unique Priceless Cities experiences.

Service fees may be charged to your Mastercard account for certain operations:

General fees
Foreign currency conversion

2.50%1

Overlimit fee

$ 0 (Quebec)
$ 292 (Outside of Québec)

To manage your card (check your balance or upcoming payments, make a payment, etc.):

Each card with insurance has a corresponding distribution guide detailing the protections and limitations thereof.

Distribution guide | insurance certificate
  • Escapade® Mastercard credit card
  • Syncro® Mastercard credit card
  • Regular Mastercard credit card
  • Edition® Mastercard credit card
  • Ultramar® Mastercard credit card
  • MC1® Mastercard credit card
  • Allure® Mastercard credit card
  • Echo® Mastercard credit card
Consult the Distribution guideInsurance certificate
  • mycredit® Mastercard credit card
Consult the  Distribution guideInsurance certificate
  • Ovation Gold® Mastercard credit card
Consult the  Distribution guideInsurance certificate
  • Platinum® Mastercard credit card
Consult the Purchase protection summary | Travel insurance summaryInsurance certificate
  • World® Mastercard credit card
Consult the Purchase protection summary | Travel insurance summaryInsurance certificate
  • World Elite® Mastercard credit card
Consult the Purchase protection summary | Travel insurance summaryInsurance certificate
  • Solutions Banking® Mastercard credit card
Consult the  Distribution guideInsurance certificate
  • Solutions Banking Platinum® Mastercard credit card
Consult the Purchase protection summary | Travel insurance summaryInsurance certificate
  • Solutions Banking World® Mastercard credit card
Consult the Purchase protection summary | Travel insurance summaryInsurance certificate
  • Solutions Banking World Elite® Mastercard credit card
Consult the Purchase protection summary | Travel insurance summaryInsurance certificate

Security

Mastercard® ID CheckTM is a service that sends a one-time-use code by email or text to confirm it’s really you making the online purchase. Even if your credit card information is stolen, it won't be possible to make purchases without your code.

Want more security tips to protect yourself against online fraud? Learn about secure online shopping and read our 10 ways to protect your credit card from fraud.

Discover Mastercard ID checkTM

Benefit from the latest version of SECURIZONE® assistance service, accessible by tablet or mobile, to protect yourself from electronic fraud and identity theft, as well as to get personalized advice.

Discover SECURIZONE

If you lost your Mastercard credit card or it has been stolen, sign in to your online bank and:

  • Temporarily lock your card until it can be found, or
  • Cancel it immediately and request a replacement card

You can also call customer service 24 hours a day, 7 days a week at:

514-281-3159 for the Montreal area or collect from outside Canada, or

1-800-361-0070 toll-free in Canada and the United States

Learn more about credit cards

Rewards or cashback? The choice is yours!

Choose cashback

Get cashback on eligible purchases made with your Mastercard rewards credit card. Get cashback to treat yourself to something special!

Explore cashback cards

Choose rewards

Earn rewards points on eligible purchases charged to your Mastercard rewards credit card. Redeem your points for an exciting range of rewards!

Explore rewards cards

Little details that matter

Consult the Agreement Governing the Use of the National Bank Mastercard Credit Card [PDF]

®Apple Pay is a trademark of Apple Inc., registered in the U.S. and other countries. Apple Inc. is not a sponsor or participant of National Bank Mobile Banking Solutions.

® Google Pay is a trademark of Google LLC. The use of this trademark is subject to Google Inc.’s authorization policy.

™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.

®Mastercard, World Mastercard, World Elite , Priceless cities and Paypass are registered trademarks, and the circles design is a trademark of Mastercard International Incorporated. Authorized user: National Bank.

TM ID Check and Identity Check are trademarks of Mastercard International Inc. Authorized user: National Bank.

1. Conversion fee calculations for transactions in a foreign currency have been modified (except for ABM transactions). The fee of 2.5% that was applied to amounts in USD is now applied to the amount converted to CAD. In all cases, foreign currency transactions are first converted to USD at the Mastercard Worldwide exchange rate.

2. Fee charged once each statement period if the balance exceeds the credit limit on the billing date. Not applicable for the World Elite card.

Ready to start?

Sign in to National Bank online now to manage your card.

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