Savings, personalized advice, retirement planning and more: we’ll help keep your financial health in check.
Discover our special offer
Up to $2,213
in annual savings 1
Enjoy up to $2,213 in annual savings1 with our banking benefits for healthcare professionals.
3 accounts with no fixed monthly fees
One rewards credit card
Your accounts will include:
Eligible credit cards:
World Elite® Mastercard® credit card with no annual fees 5 - Current promo
Free legal assistance
In partnership with FBA Solutions, access lawyers by phone and get legal information in a wide range of areas.
Identity theft protection
Take advantage of 20% off a SECURIZONE® or Securizone 360TM plan 8 and gain access to tools and support services to help better protect your identity.
Telemedicine service included
We actively support your health and well-being. That’s why we’re offering you access to Dialogue, a virtual healthcare service platform available anywhere in Canada, anytime.
Banking benefits for your spouse
By applying for an additional Mastercard® credit card, your spouse can also take advantage of this offer and enjoy the same personal finance benefits as you.
Investment and retirement advice
Meet with a financial planner at no extra cost to help guide your investment and retirement decisions 4 with solutions tailored to your needs.
A line of credit that can be accessed at any time to realize a project without having to reapply for a loan.
A home equity line of credit that groups together your bank accounts and your short-term cash and financing needs.
Without offer
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$7
Management fee12
Take advantage of the typical prepayment benefits associated with a mortgage. You have the flexibility to increase your payments or repay up to 10% of the principal amount borrowed each year without incurring any penalties. For more information, consult your advisor.
*Limited time promotion.
We also have an offer for health science specialists.
Your advisor will work with our National Bank Business Central® specialists to support you according to your needs.
We can help you:
Contact one of our advisors to claim our offer.
You’ll be asked to provide proof of your employment to claim the offer of the profession you’ve chosen.
Select the products and services included in the offer with the help of your advisor during your virtual appointment.
Our articles and videos will help you
untangle your finances and take control of your credit, housing,
retirement, and more.
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.
®THE EXCHANGE is a registered trademark of Fiserv Inc.
®Mastercard, World Mastercard, World Elite and Platinum Mastercard are registered trademarks, and the circles design is a trademark of Mastercard International Incorporated. Authorized user: National Bank.
®The Personal Flex Line and the All-In-One are registered
trademarks of National Bank of Canada.
®SECURIZONE is a registered trademark of National Bank of
Canada used by NBC Assistance Inc.
TMSECURIZONE 360 is a registered trademark of National Bank of Canada used by NBC Assistance Inc.
® Interac is a registered trademark of Interac Inc. Used under licence.
National Bank® of Canada World Elite® Mastercard® credit card was named the best credit card by Milesopedia in 2025.
1. Subject to credit approval by National Bank. The discount is offered to holders of a National Bank Platinum, World Mastercard® or World Elite® Mastercard® credit card. The $2,213 in annual savings is provided as an example only to illustrate what a holder could save with the offer. It is based on the typical profile of a client who has the following products: two bank accounts equivalent to The Total® package, with the individual Securizone product, a World Elite® Mastercard® credit card, a National Bank All-In-One® home equity line of credit with an annual balance of $150,000, and has a good credit rating.
Savings are calculated as follows: No monthly fee for transactions included in the The Total® package (annual savings of $694 for two active chequing accounts), plus an annual discount on the individual Securizone product (annual savings of $19), plus an annual discount of 1% on the All-In-One® line of credit rate (annual savings of $1,500). These savings represent the difference between what a client with the offer and a client without it would pay. Certain conditions apply. Potential savings may not reflect the net savings that you will receive; this amount will vary based on your financial situation.
2. Bank account with chequing privileges. Certain services, such as
the passbook and paper statement by mail, are not included. Included
services and fees for unrelated services are indicated in our Fee Guide - Personal Banking Solutions.
3. Financing subject to credit approval by National Bank. Certain
conditions apply.
4. Financial planning services are offered through subsidiaries of National Bank. Financial Planners provide their services on behalf of National Bank Investments Inc., a wholly owned subsidiary of National Bank of Canada.
5. Credit card is issued subject to credit approval by National Bank of Canada. Certain conditions apply.
National Bank reserves the right to terminate, without notice, the savings and other benefits on all products and services included in the banking offer, if the client closes their eligible bank account. In the event the client cancels their eligible credit card or replaces it for a credit card that is not eligible for the offer, National Bank will charge fixed monthly fees of $12.95 on the transaction accounts to enable the client to maintain their savings and other benefits in the banking offer.
6. Transactions carried out at our ABMs, a participating merchant,
through our online banking services (including our call centre) or
those related to certain operations in your account.
7. Transactions carried out at our branches during business hours.<
8. Usage or conversion fees may apply.
9. Discount is applicable to the standard rates of the Securizone or
Securizone 360 plans for as long as you benefit from an exclusive
offer. If you no longer benefit from an exclusive offer, you must
agree to pay the applicable regular rate to continue to benefit from
the plan. NBC Assistance Inc. reserves the right to terminate or
modify this offer at any time. Please consult the rates and other
applicable conditions on the Securizone
page.
NBC Assistance Inc. and National Bank can terminate or change the
duration and preferred rate of SECURIZONE products for holders of
National Bank's exclusive offers at any time, with 30 days' notice
prior to the effective date of the amendment. This notice will contain
the new and amended clause, the old one (if applicable), and the
effective date of the amendment. If you do not agree to the changes,
you can cancel the program with no penalty by sending us a notice no
later than 30 days after the changes come into effect.
10. For the Personal Flex Line: general practitioners, specialists and dentists at prime rate - 0,25%. Optometrists, pharmacists, podiatrists, veterinarians, chiropractors and other professions at prime rate + 0%.
11. Subject to credit approval by National Bank. Upon receipt of each statement, the borrower must pay a minimum instalment to National Bank that corresponds to the sum of the interest and insurance premiums charged to the account for the period covered by the statement, and any other amount required to ensure the account's debit balance does not exceed the credit limit. This minimum instalment must be made without using the line of credit.
12. This offer must be renewed annually on presentation of identification and proof of professional status or membership of a professional order in your field.
Monthly account statement. No management fees. The Personal Flex
Line rate is established by the prime rate, plus a spread established
by the client’s credit history. As a guideline, the applicable rate
for a typical Personal Flex Line is comprised of the prime rate + 4%.
Once an amount is borrowed from the line of credit, it accrues
interest. The minimum monthly payment is limited to the monthly
interest and life insurance premiums (as applicable). Examples of
credit fees calculated over a 30-day period at the applicable rate as
of January 22, 2024.
Average balance | ||
---|---|---|
$500 | $3,000 | |
Typical Personal Flex Line* |
$4.60 |
$27.62 |
Prime rate + 0.75% (6.95%) |
$2.96 |
$17.75 |
Note that the prime rate can change. For more information on the current rate, please visit nbc.ca/primerate.
*Example based on a Personal Flex Line between $5,000 and $24,999 (base rate + 4.00%). Rates are adjusted according to your personal file and the authorized credit limit.
13. For the All-In-One: general practitioners, specialists, dentists and veterinarians at prime rate - 0,25%. Optometrists, pharmacists, podiatrists, chiropractors and other professions at prime rate + 0%.
14. Subject to credit approval by National Bank. This rate is variable and corresponds to Prime + 1% (without the offer) or Prime + 0% (with the offer), and is one of the lowest rates on the market.
The “Prime rate” means the annual variable interest rate posted by National Bank, from time to time, and used by the Bank to determine the interest rates on the demand loans it grants in CAD. Visit nbc.ca/primerate for the rate in effect.