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 benefits
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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.
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 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!
- Enhanced security with Mastercard® ID CheckTM
- 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
World Elite Mastercard credit card: Earn points when you travel
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Completing an application only takes 5 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
Little details that matter
† Illustration of the potential $1,670 in benefits and rewards
The potential benefit and reward amount of $1,670 is an illustration
of what can be achieved in the first year for a World Elite
cardholder. It is based on the typical profile of a new cardholder
who:
| Amount of the benefits and rewards |
|
|
77,760 rewards points valued at over $648 in travel discounts ($100 per 12,000 points) |
|
30,000 rewards points valued at $250 in travel discounts ($100 per 12,000 points) |
|
10,000 rewards points valued at $83 in travel discounts ($100 per 12,000 points) |
|
20,000 rewards points valued at $167 in travel discounts ($100 per 12,000 points) |
|
$150 |
|
$150 |
|
$222 ($48,29 per adult plus taxes) |
Certain eligibility requirements apply. The potential amount varies depending on annual account spending, travel expenses reimbursed and 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.
Duration of the promotion
October 3, 2022, to January 13, 2023
Card eligible for the promotion
National Bank World Elite® Mastercard® credit
card
Promotional advantages and terms and conditions of the promotion
To benefit from this promotion, sign up for the National Bank World
Elite Mastercard credit card no later than January 13, 2023. You must
sign up via the hyperlink contained in one of the promotional emails
sent by one of our participating partners, via one of the promotional
banners on their websites, or via one of their webpages.
Save on annual fees the first year:
The primary cardholder will be refunded their annual card fee the
first year. The refund will appear as a fee and a credit on their
statement no later than 4 months after the account was opened.
Rewards points:
You will earn rewards points, or a combination of points as
follows:
Welcome points
World Elite : You will earn 30,000 rewards points if you charge
a net purchase amount of $5,000 to the credit card within 3 months of
opening your account.
Platinum : You will earn 15,000 rewards points if you charge a
net purchase amount of $3,000 to the credit card within 3 months of
opening your account.
Points are earned on net purchases for a period of 3 months from the
account opening date. Your rewards points will be added to your credit
card account in a single disbursement and appear on your statement no
later than 5 months after the account was opened.
Points when you sign up for credit card payment insurance
World Elite and Platinum : You will earn 10,000 rewards points
if you sign up for credit card payment insurance for a minimum of 3
months. To obtain your rewards points, complete the sections related
to the Credit Card Payment Protection (CCPP) on the credit card
application when you open your account.
Your rewards points will be added to your credit card account in a
single disbursement and appear on your statement no later than 5
months after the account was opened.
Points earned on the 1st anniversary of the account opening date
World Elite : You will earn 20,000 rewards points if you charge
a net purchase amount of $12,000 to the credit card no later than 12
months after the account was opened.
Platinum: You will earn 10,000 rewards points if you charge a
net purchase amount of $6,000 to the credit card no later than 12
months after the account was opened.
Points are earned on net purchases for a period of 12 months from
the account opening date. Your rewards points will be added to your
credit card account in a single disbursement and appear by the 2nd
statement following your account anniversary date.
Rewards points and refund conditions
Net purchases:
The net purchase volume is the number of purchases charged to the
account minus returned items and refunds. Annual fees, balance
transfers, cash advances (including transactions that can be directly
converted to cash, such as money orders, bank transfers, travellers
cheques and gaming transactions), interest charges and any other fees
or adjustments not considered purchases are not included in the
calculation of net purchases.
Account in good standing:
The account must be open and in good standing at the time when
annual fees are refunded, or rewards points are applied.
Reward limit:
There is a limit of one cashback amount per category (welcome
points, points for signing up for credit card payment insurance, and
points earned on the 1st anniversary of the account opening date) per
credit card account and per client during the promotion, regardless of
the number of cards linked to the account.
Other conditions
-
The card is issued subject to credit approval by National Bank of Canada. Certain conditions apply.
-
You must not have a National Bank Mastercard credit card or have had one in the past 24 months.
-
The promotion may not be combined with another promotion applicable to National Bank credit cards, nor is it retroactive.
-
You must not be employed by us or by an entity in our group.
-
The promotion may be modified or withdrawn without notice.
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Annual fee 2 |
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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 limit 8 |
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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 |
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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 |
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].
To learn about how we protect your information, consult our Confidentiality Policies.
®Mastercard, World Elite, World Mastercard, Platinum Mastercard and Priceless Cities are registered trademarks, and the circles design is a trademark of Mastercard International Incorporated. Authorized user: National Bank.
®À LA CARTE EXTRAS is a registered trademark of National Bank of Canada.
® 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.
TM CX Index and Forrester are trademarks of Forrester Research inc. National Bank of Canada received the highest CX IndexTM score among credit card issuers in Canada in Forrester’s proprietary 2021 CX IndexTM 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 IndexTM 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.
World Elite® Mastercard®
National Bank's Mastercard® World Elite® credit card has won the Milesopedia 2022 awards for Best credit card in Canada for Travel Insurance, Best Mastercard® credit card with Flexible Rewards and Best Premium Mastercard® credit card. The rankings are based on an analysis of the overall features, cardholders’ opinions, and experiences with the nearly 200 credit cards available to Canadians.
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 |
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 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). 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 $37 for adults and $26 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. 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.