World Elite Mastercard
A card for travelling with exclusive perks
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Gross annual income of $80,000 for applicant, or $150,000 for household
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per dollar spent1
$250
refund on travel expenses
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Annual fee
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Interest rate (balance transfers and cash advances)2-3
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Purchase rate
A host of other benefits
More with your points
Make a payment on your card, make a donation or redeem your reward points for a gift card or financial product.
Extended warranty
Get up to triple the manufacturer's warranty for most items purchased using your credit card, up to 2 additional years.7
Travel discounts
Redeem your points to pay for travel expenses, such as plane tickets, car rentals or vacation home rentals.
Are you eligible?
To be eligible, you must have an annual gross income of $80 000 or an annual household income of $150 000. Otherwise, you must have a minimum value of $400 000 in assets or $25 000 in yearly minimum purchases (existing clients only) on your card.
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Earn points
Our generous À la carteMD Rewards Plan lets you decide how to benefit from it.
Shop for your rewards
Take advantage of your points by purchasing exclusive products and exciting experiences.
A distinguished customer experience
For the second year in a row, National Bank ranks #1 among credit card issuers for Customer Experience according to the 2021 Forrester CX IndexTM. Sign up for a credit card and take advantage of a number of features and free services. Learn more.
Completing an application takes just a few minutes.
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Little details that matter
Promotion ended
PROMOTION ENDED
The offer that ended on December 20, 2021, included a period of 3 months, during which time you received accounts benefits and rewards points if a minimum amount of net purchases was charged to the eligible credit card account.
*Offer of 15,000 rewards points when you join and save on the
annual fee for the first year.
Promotion valid from September 20, 2021, to December 20, 2021, for
National Bank Platinum, World, World Elite® and Platinum Mastercard®
Business credit cards. To take advantage of this offer, you must sign
up for an eligible National Bank credit card by December 20, 2021.
Credit card issued subject to credit approval by National Bank. Some
conditions apply.
*Example: potential $1,075 in benefits and rewards
$1,075 is an example of the number of benefits and rewards a World
Elite cardholder could get the first year. This amount is based on
the typical profile of a new cardholder wh
| Benefits and rewards |
|
| Charges $30,000 to their account each year |
45,000 rewards points, equivalent to a value of over $350 in electronic gift cards ($100 per 12,500 points) or travel discounts ($100 per 12,000 points) |
| Receives the 15,000 bonus points by charging $3,000 in purchases to their card in the first 3 months† |
15,000 rewards points are offered at enrollment, a value of $125 in travel discounts ($100 per 12,000 points). Value at redemption may vary based on the rewards selected. To see how many points are required for each reward, visit rewards.nbc.ca. |
| Saves on the card's annual fee for the first year ($150 value)† |
$150 |
| Receives $250 in travel refunds |
$250 |
| Visits the National Bank Lounge twice with a guest |
$222 ($48.29 plus taxes per adult) |
Certain eligibility conditions apply. The potential amount varies based on the amount charged to the card each year, the travel fees refunded and the 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.
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). It will appear as a charge and credit on
the second or third statement after your account is opened. To receive
the annual fee refund for the first year, you must make your first
purchase on the account within the first 45 days of opening the
account.
Bonus rewards points:
The bonus rewards points 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, World, or World Elite Mastercard: get 15,000 rewards
points if $3,000 in net purchases or more are charged to the credit
card account within the first three months following enrollment.
Platinum Business Mastercard: get 15,000 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 three months, starting at account opening. For example, if the account is opened on October 15, 2021, the account holder will have until January 15, 2022, to charge the required amount in purchases to the account and obtain the bonus rewards points.
Net purchases refer to the amount in purchases charged to the account minus the 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. The promotion does not apply to additional cards. 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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You aren't eligible? Discover the World Credit Card or the Platinum credit card.
Annual fee and interest rate
Annual fee2 |
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Annual fee for additional card |
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Purchase rate |
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Balance transfer and cash advance rate2-3 |
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Minimum credit limit8 |
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Number of points per $ spent1 |
Earn up to 2 points per dollar spent, based on your
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 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 program® |
Repayment with rewards points |
Pay your credit card balance with your rewards points directly in your online bank. For more details, visit our Repay with points program page. |
Insurance
Summary and insurance certificate |
Consult the${p1.guideDistr|link:"Purchase protection summary":"":"_blank" }[PDF] | Travel insurance summary [PDF] |${p1.certif|link:"Insurance Certificate":"":"_blank" }[PDF] |
Zero Liability9 |
Included |
Purchase protection in the event of theft or damage7 |
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Extended warranty7 |
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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 (theft of personal effects up to $2,000) |
Medical, general and legal assistance7 |
Included |
Important phone numbers
Customer service (24/7) |
|
À la carte Rewards Centre |
|
Travel fee reimbursement |
|
Insurance claim and assistance |
|
Lost or stolen card |
|
Chargeback |
Cardholder Agreement
To learn more about the terms applicable to your card, read the${p1.urlConvention.en | link:"Cardholder Agreement":"":"_blank"}[PDF].
Confidentiality Policies
To learn about how we protect your information, consult our Confidentiality Policies.
TM CX Index and Forrester are trademarks of Forrester Research inc
National Bank of Canada received the highest CX Index™ score among credit card issuers in Canada in Forrester’s proprietary 2021 CX Index™ 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 Index™ 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.
MD À LA CARTE REWARDS PLAN AND À LA CARTE EXTRAS are registered trademarks of National Bank of Canada.
®Mastercard, World Mastercard and World Elite are registered trademarks, and the circles design is a trademark of Mastercard International Incorporated. Authorized user: National Bank
MD ESCAPADE, OVATION AND ALLURE EDITIONS are registered trademarks of National Bank of Canada
TM ID Check and Identity Check are trademarks of Mastercard International Inc. Authorized user: National Bank.
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.
1. Certain restrictions apply. You must, therefore, first pay for your trip in full with an eligible credit card to redeem your points. Your travel credit will take effect approximately 72 hours after the exchange. For more information, consult the applicable rules for earning points in the À la carte Rewards Plan section.
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.
Examples of credit charges
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 transfer and cash advance are subject to credit approval by National Bank. Each balance transfer must be at least $250.
4. Exclusively available to holders of the World Elite Mastercard. Visitors must present their credit card and boarding pass to access to the National Bank Lounge. Further to a decision by Aéroports de Montréal, the National Bank Lounge will only be available to clients flying to destinations outside the U.S. and Canada, effective April 3, 2019. Guests cannot spend more than three (3) hours in the Lounge. For National Bank clients who do not have free Lounge access and for additional guests, admission is around $40 for adults and $25 for children, plus tax. Admission is free for children under three years old. The entry price may change at any time without notice and at the discretion of the Lounge operator.
5. On condition that required supporting documents are provided in the manner and time frame prescribed. Some restrictions may apply.
6. 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 $250. Eligible expenses include: airport parking fees (maximum $100), baggage fees (maximum $100) and seat selection fees (maximum $50). 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 $250 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 recompensesbnc.ca, click the Refund of travel expenses tab and complete the form, you can also call 1‑888‑296‑8881 (toll-free) in Canada and the United States, or +1‑416‑734‑3922 (collect) from anywhere in the world.
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, his/her 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.
Ready to travel with the World Elite Mastercard®?
Completing an application takes just a few minutes.
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