Personal
Home Bank accounts
Credit cards
Borrowing
Mortgages
Savings and investments
Insurance
Wealth Management
Home
CLOSE

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

Receiving or changing your PIN

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:

Increasing your credit limit

To request a credit limit increase:

  • Sign in to your account, select your Mastercard account and click "Credit limit increase"
  • Call 1-888‑9-MY‑CARD (1‑888‑969‑2273) or 514‑394‑1427
  • Talk to a representative at a branch

Applying for an additional card

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

There are two ways to add an additional Mastercard credit card to your account:

  • You can make a request throught National Bank online
  • Call 1‑888‑9‑MY‑CARD (1‑888‑969‑2273) or 514‑394‑1427

Getting rewards or cashback

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!

Travelling with your card

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.

Set up automatic payments

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

Digital payments

Contactless payments

Use PayPass® at participating stores to pay without entering your PIN. Simply hold your card up to the terminal and you're good to go!

Paypass

Fast and secure online payments

Save your credit card information and shipping address to your Masterpass account to enjoy easy and secure online shopping without having to enter your info every time.

Masterpass

Apple Pay®

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

Google PayTM

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

Benefits

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 charges

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

General fees1
Additional copy of a bill1

$5.00

Additional copy of an account statement1

$5.00

Cheque issued for credit balance

$5.00

NSF cheque

$42.50

Foreign currency conversion

2.50%3

Overlimit fee4

$29.004

Fees for cash advances (per transaction)

Mastercard credit cards2

Automated and teller-assisted services (National Bank)

$3.50

Other financial institutions in Canada*

$3.50

Other financial institutions outside Canada***

$3.50

Managing your card

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

  • Sign in to National Bank online
  • Use our mobile app
  • Call 1‑888‑9‑MY‑CARD (1‑888‑969‑2273) or 514‑394‑1427

Insurance

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

Distribution guide | insurance certificate
  • Escapade card
  • Syncro card
  • Regular card
  • mycredit card
  • Ultramar card
  • MC1 card
  • Allure card
  • Echo card
Consult the Distribution guide | Insurance certificate
  • Ovation Gold card
Consult the Distribution guide | Insurance certificate
  • Platinum card
Consult the Distribution guide | Insurance certificate
  • World card
  • World Elite card
Consult the Distribution guide | Insurance certificate
  • CMA/MD Platinum Mastercard
Consult the Distribution guide | Insurance certificate
  • CMA/MD World Elite Mastercard
Consult the Distribution guide | Insurance certificate
  • Solutions Banking Mastercard
Consult the Distribution guide | Insurance certificate
  • Solutions Banking Platinum Mastercard
Consult the Distribution guide | Insurance certificate
  • Solutions Banking World Mastercard
  • Solutions Banking World Elite Mastercard
Consult the Distribution guide | Insurance certificate

Security

Protect your card from unauthorized use online

Create a Mastercard SecureCode™. You'll be prompted to enter it when you shop online. 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 SecureCode

Protect your identity and personal information

Benefit from the latest version of SecuriZone 2.0® 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 2.0

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

Legal Disclaimers

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.

TM Google Pay is a trademark of Google LLC.

™À LA CARTE TRAVEL is a trademark of National Bank.

®MASTERCARD, WORLD MASTERCARD, WORLD ELITE, PRICELESS CITIES and PAYPASS are registered trademarks of Mastercard International Inc. Authorized user: National Bank.

* Member of the Mastercard, Interac** or THE EXCHANGE** networks.

** Trademarks of Interac Inc., Mastercard International Inc., CIRRUS System Inc. and Fiserv EFT. Authorized user: National Bank of Canada.

*** Member of the Mastercard or Cirrus** networks.

1. No charge for requests made within 30 days of the statement date.

2. Cards included: Synchro, MC1, Ultramar, Allure, Escapade, OVATION Gold, Platinum, ECHO Cashback, CAA Rewards, World and World Elite.

3. 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.

4. Charged once per billing period if your balance exceeds your credit limit on the billing date. Does not apply to the World Elite card.

®ECHO, ALLURE and À LA CARTE REWARDS PLAN, are registered trademarks of National Bank.

®ULTRAMAR is a registered trademark of Valero, used under licence.

® WORLD MASTERCARD and WORLD ELITE are registered trademarks of Mastercard International Inc. Authorized user: National Bank.

® Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.

Ready to start?

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

Sign in

Telephone icon
Frequently asked questions icon