Illustration of the World Elite Mastercard credit card, a suitcase, a plane, and a tag that says 20,000 points


World Elite Mastercard

Get a credit card and take advantage of 20,000 points and no annual fees for the first year+

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20,000 points


per dollar spent1


Refund for travel expenses5-6

No fee for the first year


Annual fee of $150 after the first year


Purchase rate


Interest rate (balance transfers and cash advances)2-3

+ Minimum purchase required. Minimum gross annual income: $80,000 or $150,000 total household income. Certain conditions apply.*

For those always dreaming of their next destination

Dessin d’une valise rouge avec 20 000 points sur le devant
Dessin d’une valise rouge avec 20 000 points sur le devant

Choose your National Bank World Elite Mastercard  or Platinum Mastercard today and treat yourself to 20,000 free points. Visit our online boutique where you’ll find merchandise, gift cards, travel deals and financial products: there's so many rewards to choose from! Oh, this also includes no annual fees for the first year and a free second card.

This offer for new cardholders ends August 31, 2022. Minimum purchase requirement of $3,000 in the first 3 months to earn the 20,000 points. Conditions apply.*

Illustration of a suitcase with 20,000 points written on it
Illustration of a suitcase with 20,000 points written on it
Illustration of a sofa, a martini glass, two suitcases and a shield

The perfect card for travelling


  • Get up to $250 refunds for travel-related expense5-6

  • Unlimited access to the National Bank Lounge at the Montreal Airport

  • Travel insurance for up to 60 days

Receive benefits and rewards over the first year valued at $1,117

The National Bank World Elite® Mastercard® credit card offers benefits and rewards over the first year valued at $1,117 when you meet the minimum purchase requirement.


Value of each benefit

$250 in travel-fee refunds


Unlimited access to the National Bank Lounge at the Montreal Airport

Valued at over

20,000 rewards points after getting a credit card

Valued at $167
in travel discounts 

No annual fee for the first year
($150 for the main card and $50 for an additional card)  


Value of over $350 in rewards points (with $2,500 in purchases per month)


Benefits and rewards over the first year


Picto of a credit card with an encircled dollar sign

The benefits of some credit cards are changing soon

Starting September 1, 2022, certain purchases may be able to earn more rewards points for the same amount spent. Other changes will also apply. See our Important notices page for full details.

Your Mastercard World Elite benefits

All our reward cards offer a range of benefits to help simplify your life:

  • Out-of-province hospital medical insurance 7
  • Flight cancellation or trip interruption insurance 7
  • Delayed flight and stolen luggage insurance 7
  • Stolen or lost luggage insurance 7
  • Vehicle rental insurance (local or abroad 7)
  • Medical, legal or general assistance 7
  • Redeem your points at the travel agency of your choice
  • Extended manufacturer’s warranty on purchases7
  • Purchase protection 7 insurance (up to 180 days) 
  • Contactless payments with Apple Pay® and Google Pay®

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.

See all the criteria

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A personalized customer experience

For the second year in a row, National Bank ranked #1 in Customer Experience among credit card issuers according to the 2021 Forrester CX IndexTM.

Not sure yet?

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Completing an application takes just a few minutes.

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Little details that matter

† Illustration of the potential benefits and rewards valued at $1,117.

$1,117 is an example of the number of benefits and rewards a World Elite cardholder could earn during the first year. This amount is based on the typical profile of a new cardholder who:

  Value of the 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 20,000 bonus points by charging $3,000 in purchases to their card in the first 3 months*
20,000 rewards points are offered at enrollment, a value of $167 in travel discounts ($100 per 12,000 points)
  • Savings on the annual fee for the first year of the main card ($150) and an additional card ($50) for an authorized user
  • $250 in travel refunds
  • Visits to the National Bank Lounge twice with a guest
($37 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. Exchange values may vary depending on the type of reward.

*Promotion valid from February 14, 2022 to August 31, 2022 for National Bank Platinum®, World Elite® and Platinum Business Mastercard® credit cards. To take advantage of this offer, you must sign up for an eligible National Bank credit card by August 31, 2022. Credit card issued subject to credit approval by National Bank. Certain conditions apply.

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 and for the first authorized user added to the account. To receive the annual fee refund for the first authorized user, you must add them on the account opening application. Annual fees will appear as a charge and credit on the 4th statement, at the latest, after your account is opened.

The primary cardholder is responsible for all charges to the account, including those incurred by authorized users.

Bonus rewards points:

The 20,000 rewards points applied 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 or World Elite Mastercard: you'll get 20,000 rewards points if $3,000 or more in net purchases are charged to the credit card account within the first three months following enrollment.

Platinum Business Mastercard: you'll get 20,000 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 a period of three months, starting at account opening. For example, if the account is opened on March 15, 2022, the account holder will have until June 15, 2022 to charge the required amount of purchases to the account and obtain the bonus rewards points.
Net purchases refer to the amount in purchases charged to the account, excluding 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. There is a limit of 20,000 rewards points per eligible credit card account during the promotional period, regardless of the number of credit cards associated with the account. 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.















You aren't eligible? Discover the World Credit Card or the Platinum credit card.

Annual fee 2


Annual fee for additional card


Purchase rate


Balance transfer and cash advance rate 2-3


Minimum credit limit 8

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Number of points per $ spent1

Earn up to 2 points per dollar spent, based on your
net spending over a 12-month period starting on the date you open the account:

  • $0 to $40 000 = 1.5 points per dollar in purchases
  • $40 001 to $80 000 = 2 points per dollar in purchases
  • $80 001 and more = 1.5 points per dollar in purchases

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

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.
Discover the À la carte Travel online agency

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.

Summary and insurance certificate

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Zero Liability9


Purchase protection in the event of theft or damage7

${p1.assuranceAchats} days following the purchase date

Extended warranty7


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:

  • 54 and under: 60 days
  • 55 to 64: 31 days
  • 65 to 75: 15 days

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


Customer service (24/7)

À la carte Rewards Centre

Travel fee reimbursement

Insurance claim and assistance

Lost or stolen card


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 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.

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.

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
















*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. Since April 3, 2019, 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.

6. 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 $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, 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, 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 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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