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World Elite mastercard

PROMOTION

World Elite Mastercard

Enjoy benefits and rewards of up to $1,250 the first year (minimum annual purchase amount required)*

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Gross annual income of $80,000 for applicant, or $150,000 for household

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per dollar spent1

PROMO: No annual fees the first year* 

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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 2-3

How do I take advantage of my rewards?

The National Bank World Elite credit card offers you the equivalent of $ 1,250 in rewards the first year when you reach the required minimum purchase amount*. Here is the value of each benefit.

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World Elite credit card

More than $350 in reward points1 (with $2,500 in purchases/month)

$250 refund on travel expenses and
unlimited access to the National Bank Lounge with one guest4 (value of more than $200)

Current offer: $300 cashback and no annual fees 1st year (value of $150)*

Customer experience

National Bank ranks #1 among credit card issuers for Customer Experience according to the 2020 Forrester CX IndexTM. Sign up for a credit card and take advantage of a number of features and free services. Learn more.

Benefits of the ${p1.nomProduit}

Pay with points

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

Extended warranty

Get up to triple the manufacturer's warranty for most items purchased using your credit card, up to 2 additional years.7

Rebais vacances

Travel discounts

Redeem your points to pay for travel expenses, such as plane tickets, car rentals or vacation home rentals.

Access to the VIP Lounge at the airport

Unlimited access to National Bank Lounge

You and a guest can enjoy free access to the National Bank Lounge at Montréal-Trudeau Airport, with drinks, snacks, Wi-Fi and much more! 4

Frais de voyage remboursés

Travel expenses

Get a refund of up to $250 per year on seat selection, airport parking and baggage fees.5-6

Comprehensive travel insurance

Comprehensive travel insurance

Enjoy up to 60 days' coverage with our travel, trip cancellation/interruption, or baggage loss insurance and up to 48 days for car rental insurance.7

Are you eligible?

To be eligible, applicants must have an annual gross income of 80 000$ or an annual household income of 150 000$. Otherwise, they must have a minimum value of 400 000$ in assets or 25 000$ in yearly minimum purchases (current customers only) per year on their card. 

See every criterion here
 

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Still not sure? Compare all our cards here

 

 

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Earn points

Our generous À la carteMD Rewards Plan lets you decide how to benefit from it.

Women online shopping

Shop for your rewards

Take advantage of your points by purchasing exclusive products and exciting experiences.

Not sure yet?

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Pack your bags! Completing an application takes just a few minutes.

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Little details that matter

Eligibility criteria

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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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Rewards plan

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 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.
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.

Insurance

Summary and insurance certificate

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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:

  • 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

Included

Important phone numbers

Customer service (24/7)

À la carte Rewards Centre

Concierge service and travel fee reimbursement (24/7)

Insurance claim and assistance

Lost or stolen card

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.

Legal Disclaimers

 Offer conditions

Offer valid from October 26, 2020 to January 31, 2021 for Platinum, World® and, World Elite® credit cards. Credit card is issued subject to credit approval by National Bank. Certain conditions apply.  

World and World Elite:

The annual fees for the card will be refunded for the first year. They will appear as a charge and credit on the first or second statement after your account is opened.

Platinum, World and World Elite:

You will receive a $300 cashback if $4,000 in net purchases is charged to the eligible credit card account within the first three months following enrolment. The cashback will be credited to your account on the fourth or fifth statement after your account is opened.

To take advantage of this offer, you must sign up for an eligible National Bank Mastercard credit card before January 31, 2021 and activate it no later than February 15, 2021.

The offer begins and the net purchases charged to your card are calculated starting the month following the account opening (for example, if the account is opened on November 15, purchases will be calculated starting December 1 and the cashback will be awarded by March 15, 2021). Net purchases between the first and the last calendar day of the month are calculated.  

Net purchases refer to the amount in purchases charged to the account less returns and refunds. Annual fees, balance transfers, cash advances, cash transactions, interest charges and any other fees and adjustments are not included in the calculation. The net purchases charged to your card are calculated starting the first day of the month following the account opening.   

The account must be in good standing for the cashback to be awarded.

Employees of National Bank and its subsidiaries and entities are not eligible for the offer. National Bank reserves the right to end this promotion at any time without notice.  

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 offer is not applicable when opening an additional card. This offer cannot be combined with any other National Bank promotion. 

TM National Bank of Canada received the highest CX Index™ score among credit card issuers in Canada in Forrester’s proprietary 2020 CX Index™ survey. The ranking was based on responses from 9,004 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.

*The potential benefit amount of $1,250 is an example of what a World Elite cardholder could obtain the first year, after signing up. This example is based on a cardholder who charges $30,000 to their card every year, enjoy the $300 cashback promotion with his $4,000 net purchases the first 3 months + save the annual fees for the first year (value of $150) gets $250 in travel fee refunds and visits the National Bank Lounge twice with a guest. The amount was calculated as follows: $30,000 in expenses per year equalling 45,000 reward points, which is equivalent to more than $350 in electronic gift cards ($100 for every 12,500 points) or travel discounts ($100 for every 12,000 points), $250 refund on travel fees and two visits to the Lounge with a guest ($48.29 plus taxes per person). Certain eligibility conditions apply. The potential benefit amount varies depending on the annual expenses charged to the account and the number of visits to the National Bank Lounge. 

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

22.99%

$9.45

$56.69

20.99%

$8.63

$51.76

14.5%

$5.96

$35.75

8.9%

$3.66

$21.95

*Variable interest rate in effect on July 1, 2019


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 travel reimbursement. 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 Smart Traveller Fees 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.

*The number of points required for any À la carte Extra is subject to change without notice.

Ready to travel with the World Elite Mastercard®?

Completing an application takes just a few minutes.

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