CREDIT CARD REWARDS

World Elite Mastercard

Get the card that helps you earn more points and exclusive travel benefits

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Discover the World Elite® Mastercard®

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Up to 5 rewards points per dollar spent1

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Travel insurance and exclusives4-5-7

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Extended warranty on your purchases7

Minimum gross annual income: $80,000 for the applicant, or $150,000 in total family income

Annual fee

$150

Purchase rate

20.99%

22.49%

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Fill out our secure online form

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 

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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.

How do points work?

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Earn points, get rewards 

In addition to offering you travel benefits, the National Bank World Elite® Mastercard® credit card helps you earn rewards points that vary according to the categories of common purchases. Here's how your points work. 

Get more points for your daily purchases 


5 points*

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2 points

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1 point

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* 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

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$560*

2,800*

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$300

600

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$300

600

Picto of a plane

$140

280

Picto of shopping bags

$700

700

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

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$50 gift card 

7,250

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Pay $100 off your card balance 

25,000

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Wireless headphones
In our online boutique

Starting from
9,380

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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.    

National Bank logo with À la carte rewards

More than 900 items available 

Want a new tablet? A gourmet culinary experience? Designer sunglasses? Treat yourself and redeem your rewards points to get these and more. 

Visit our online boutique 

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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

  • 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 abroad7)
  • Medical, legal or general assistance 7
  • Insurance in case of accidental breaks, loss or theft of mobile devices14
  • Extended manufacturer’s warranty on purchases7
  • Purchase protection 7 insurance (up to 180 days) 
  • Contactless payments with Apple Pay® and Google Pay®

Apply for our award-winning credit card 

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2021

Best customer experience card

According to the Forrester CX Index


2022

Best credit card

For travel insurance*


2022

Best credit card

Premium Mastercard*


2022

Best credit card

Flexible rewards Mastercard*

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

Regarding the welcome offer ending on August 31, 2022, it includes a 3-month period during which you get a discount on the account if a minimum amount of net purchases is charged to the World Elite Mastercard credit card. 

Promotion of 20,000 rewards points upon joining and pay no annual fee for the first year:

Promotion valid from February 14, 2022 to August 31, 2022 for the 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.

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

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. 

  • 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. 

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.
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®

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

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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

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.