You aren't eligible? Discover the World Mastercard Credit Card or the Platinum Mastercard credit card.
World Elite Mastercard
Get the card that helps you earn more points and exclusive travel benefits
${p1.urlBoiteLogin|link:"Apply now":"btn btnRTE3 modal-token index-p1"}
Jusqu’à 900 $ en rabais voyage ou jusqu’à 800 $ à investir dans un produit financier annuellement*
Treat yourself with the World Elite Mastercard credit card
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.
Extended warranty on your purchases
Get up to triple the manufacturer’s warranty for most items purchased using your credit card, for up to 2 additional years.7
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.
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.
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.
Your World Elite Mastercard credit card benefits
Simplify your day-to-day with our range of benefits designed to fit your lifestyle.
Make yourself at home at the National Bank Lounge
As a World Elite ® Mastercard ® cardholder, you benefit from free and unlimited access with a guest and two children aged 12 or under 4 to the National Bank Lounge at Montréal-Trudeau Airport. Free Wi-Fi, drinks, snacks and newspapers: waiting for your departure has never been so comfortable!
- Fraud protection9
- Redeem your points at the travel agency of your choice
- Experiences and À la carte Rewards Plan®
- Use your points to pay off your balance
- Discounts on monthly fees for The Total® and The Connected® packages
World Elite Mastercard credit card: Earn points when you travel
${p1.urlBoiteLogin|link:"Apply now":"btn btnRTE3 modal-token index-p1"}
Complete
your application in minutes.
This card not offering what you’re looking for?
Check out the Platinum Mastercard® credit card
- No minimum income required
- Earn points with every purchase
- Extended warranty on your purchases and travel insurance
We’re here for you
Is the World Elite Mastercard credit card right for you?
Apply online in minutes.
${p1.urlBoiteLogin|link:"Apply now":"btn btnRTE3 modal-token index-p1"}
Come see us or give us a call and we'll answer all your questions.
Call us toll free:
1-888-622-2783
Need more information?
Little details that matter
Due to the labour disruption at Canada Post, certain mail delivery interruptions may occur. If you signed up for a promotional credit card after November 7, 2024, you will have an additional 30 days to make your minimum purchases and take advantage of the promotional rewards points. Note that this deadline may be extended depending on the impact on mail deliveries.
Length of the welcome promotion
From November 1st, 2024, to March 31st, 2025.
Eligibility conditions
-
Apply for a National Bank World Elite® Mastercard® credit card as the primary cardholder during the promotion period.
-
Have not held a personal National Bank Mastercard credit card during the past 24 months.
-
Keep the credit card account open until the rewards points are paid.
-
Keep the account in good standing while complying with the conditions 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 an entity in its group.
Rewards points
| Points offered | Terms and conditions | When points are awarded to the account |
|---|---|---|
| 5,000 | Sign up for payment insurance* for at least the first 3 months. |
Within five months of the minimum period of enrollment. |
| 5,000 |
$5,000 in net purchases in the first 3 months. |
By the end of the 6th month after enrollment.** |
| 10,000 |
$10,000 in net purchases in the first 6 months. |
By the end of the 9th month after enrollment.** |
| 20,000 |
$15,000 in net purchases in the first 12 months. |
By the end of the 15th month after enrollment.** |
*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 November 15, you
have until February 15 to make the required net purchases to receive
the points which will be credited to your account by the end of May
2025.
How the total purchase amount is 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 benefit from the promotion once.
-
Issuance of the card is subject to credit approval by National Bank. Other conditions apply to the issue of the card.
-
The promotion may not be combined with any other promotion or offer applicable to National Bank credit cards and cannot be applied retroactively.
-
This promotion may be modified or withdrawn without prior notice.
${p1.ageMin.lbl} |
${p1.ageMin} |
${p1.statutLeg.lbl} |
${p1.statutLeg} |
${p1.revenuAnnuel.lbl} or ${p1.achatsMin.lbl} or ${p1.actifsInvest.lbl} |
${p1.revenuAnnuel}
${p1.achatsMin}
${p1.actifsInvest} |
Annual fee 2 |
$${p1.productPricing.AF_CRD.productPricingValue} |
Annual fee for additional card |
$${p1.productPricing.AF_CRD_SUP.productPricingValue} |
Purchase rate |
${p1.productPricing.TX_INT.productPricingValue|percent:"true"} |
Balance transfer and cash advance rate2-3 |
${p1.productPricing.TX_TRF.productPricingValue|percent:"true"} |
Minimum credit limit 8 |
${p1.productCriteria.AMTRANGE.criteriaLowerValue | amount:"true"} |
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${p1.guideDistr|link:"Purchase protection summary":"":"_blank" }[PDF] | Travel insurance summary [PDF] |${p1.certif|link:"Insurance Certificate":"":"_blank" }[PDF] |
Zero Liability9 |
Included |
Purchase protection in the event of theft or damage7 |
${p1.assuranceAchats} days following the purchase date |
Extended warranty7 |
${p1.garantieProlong.en} |
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 $1,000 in the event of accidental breakage, loss or theft for a maximum of 2 years after the purchase date14 |
Customer service (24/7) |
|
À la carte Rewards Centre |
|
Travel fee reimbursement |
|
Insurance claim and assistance |
|
Lost or stolen card |
|
Chargeback |
To learn more about the terms applicable to your card, read the${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 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.
® À LA CARTE REWARDS PLAN 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.
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.
®THE TOTAL, THE CONNECTED, AND NATIONAL BANK are registered trademarks 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 2025 and 2024.
National Bank® of Canada World Elite® Mastercard® credit card was named the best travel credit card by Milesopedia in 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. Visitors must present their physical credit card and boarding pass to access the National Bank Lounge. The National Bank Lounge is only available to clients travelling to international destinations (excluding Canada and U.S. flights). You benefit from free and unlimited access with a guest and two children aged 12 or under. Guests cannot spend more than three (3) hours in the Lounge. National Bank clients who are not World Elite® Mastercard® cardholders can also access the 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
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.