3. Subject to credit approval by National Bank. Each balance transfer
must be at least $250.
4. 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.
5. This coverage applies to purchases charged to the
credit card. 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.
6. Purchase protection applies provided the purchases or expenses
are charged to the National Bank Allure Mastercard® credit
card account. Certain conditions and restrictions apply. For more
information, please consult the insurance certificate for your credit card.
7. The 10% discount on gift cards applies to the full amount of
purchases on yourallure.ca. Gift cards can be redeemed with
Allure partners: Amerispa, Banana Republic, Gap, Old Navy and
Winners/HomeSense/Marshalls. Choice of gift card amounts: $25, $50 or
$100. No discounts will be granted in store upon presentation of an
Allure card. Lost, stolen or damaged gift cards cannot be replaced.
The list of Allure partners can be changed without notice. Gap, Old
Navy and Banana Republic gift cards can be used at any Gap, Old Navy
or Banana Republic store in North America. Gift cards can be used to
purchase in-store items only. If you have any questions concerning
Gap, Old Navy or Banana Republic gift cards, call (respectively)
1-800-GAP-STYLE, 1-800-OLD-NAVY or 1-888-BR-STYLE.
8. The interest rate for the Syncro card consists of a variable
prime rate set by National Bank plus a fixed adjustment rate of 4% for
purchases and 8% for balance transfers and cash advances. Please note
that the annual interest rate for the Syncro card will not be less
than 8.9% for purchases and 12.9% for balance transfers and cash
advances. 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 Canadian
dollars in Canada.
9. 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).
11. 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.
12. The cashback is based on a point accumulation system. For every
$2 you spend using your Allure Mastercard credit card, you will
receive 1 point, provided your account is in good standing. Once a
year, in January, you will receive a $10 cashback for every 1,000
points earned. Your account is in good standing when you comply with
the obligations of your cardholder agreement (e.g., making your
minimum payment by the due date). For details, see the Terms and conditions [PDF].
13. All eligible purchases qualify for 1% cashback when your
account is in good standing. Your account is in good standing when you
comply with the obligations of your cardholder agreement (e.g., making
your minimum payment by the due date). An additional cashback of 0.5%
is granted on the first $25,000 of eligible gas, grocery and online
purchases charged annually to your credit card account. The additional
cashback of 0.5% does not apply when the total of your annual eligible
purchases exceeds $25,000. After that, the cashback equals 1% of
eligible purchases, regardless of the type of purchase. For conditions
and restrictions that apply to cashback rewards and a full list of
codes associated with eligible merchants, refer to the cashback accumulation table [PDF] and the applicable rules [PDF].
14. Subject to the mobile device’s purchase with the card or mobile
plan settled by recurring pre-authorized payments from your mycredit account.
15. Subject to credit approval by National Bank of Canada. The
cashback granted is 1% on restaurant purchases and on recurring
pre-authorized payments when you use recurring automatic transfers
with your mycredit account. The cashback of 0.5% applies to all
other eligible purchases during a billing cycle. The account must be
in good standing when the cashback is awarded. Your account is in good
standing when you comply with the obligations of your cardholder
agreement (e.g., making your minimum payment by the due date). These
eligible automatic transfers are defined as regular payments that are
automatically withdrawn by a merchant on your credit card. Balance
transfers, cash advances and fees resulting from the use of the card
are excluded from the cashback calculation. For conditions and
restrictions that apply to cashback rewards, refer to the Cashback Program [PDF].
16. Up to $1,000 in the event of accidental breakage, loss or theft
for a maximum of 2 years after the purchase date. The device must have
been purchased using your National Bank Platinum Mastercard credit
card, or your phone plan must be paid via recurring payments charged
to your National Bank Platinum credit card starting September 1, 2022.
For complete terms and conditions, please consult the insurance
certificate associated with your card.
17. 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.
18. National Bank donates $0.10 for every $10 charged to an Allure
Mastercard® credit card account over a 12-month period to
the Quebec Breast Cancer Foundation. The annual donation is capped at $750,000.
19. All eligible purchases qualify for 1% cashback when your account
is in good standing. Your account is in good standing when you comply
with the obligations of your cardholder agreement (e.g., making your
minimum payment by the due date). An additional cashback of 0.5% is
granted on the first $25,000 of eligible gas, grocery and online
purchases charged annually to your credit card account. The additional
cashback of 0.5% does not apply when the total of your annual eligible
purchases exceeds $25,000. After that, the cashback equals 1% of
eligible purchases, regardless of the type of purchase. For conditions
and restrictions that apply to cashback rewards and a full list of
codes associated with eligible merchants, refer to the National Bank Echo Cashback Mastercard [PDF] and
the Applicable Rules [PDF].
