Current promotion

Mastercard credit cards

Take advantage of our World Elite Mastercard credit card promotion and get up to $1,352 in benefits and rewards for the first year. 

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*Promotion valid until March 31, 2025. Minimum purchases and insurance product are required. Conditions apply. 

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Loyalty pays off

Earn points

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

Learn more about the Plan

Shop for your rewards

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

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Take full advantage of Mastercard benefits

More than just a credit card

Take full advantage of your Mastercard credit card and all that it has to offer. Extended warranty, purchase protection, Google PayTM, Apple PayTM, exclusive VIP experiences—there is something for everyone!

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Manage your credit card online

Several features are available to help you manage your credit card? These free services are accessible from your online bank and National Bank app. Easily carry out your transactions wherever, whenever.

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Getting the most out of your credit card

Protect your balance

Be prepared for unforeseen circumstances, such as job loss or disability, with credit card payment protection insurance.

Understanding payment protection insurance

 

Save on the annual fee

Opt for a banking package and you could benefit from a cashback when signing up for a credit card. See our packages The ConnectedTM and The TotalTM to find out more.

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Enjoy the benefits of our offer for professionals

Are you a healthcare professional, engineer or accountant? Explore our offers tailored to certain professionals.

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Little details that matter

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.**

Length of the welcome promotion

From August 16 to October 31, 2024

Eligibility conditions

  • Sign up for a National Bank® Platinum Mastercard® credit card during the promotion as a primary cardholder.
  • Sign up via the redirection link provided on one of our partner's websites during the promotion. Must not have held one of our Mastercard credit card for individuals from National Bank over the past 24 months as a primary cardholder. 
  • Keep the credit card account open until rewards points are paid. 
  • Keep the account in good standing by complying with the conditions set out 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 one of its subsidiaries.

Description of the promotion

Up to 25,000 rewards points upon signing up and annual fee refunded in the first year for the primary cardholder and an additional user.

Annual fees

No annual fees for the first year for the primary cardholder and the first additional authorized user.

We will charge annual fees to the account of your new card and reimburse those fees to you. You will receive this reimbursement within five months of opening your account, provided that your account remains open. It will appear on your statement in the form of a credit.

To benefit from the annual fee discount for the first additional authorized user’s card, you must add it to the account opening request. 

Annual fees related to authorized users’ cards are not eligible for this promotion. 

Rewards points

Points offered
Conditions
When points are awarded to the account

10,000

$2,500 in purchases in the first three months
In the two months following the end of the purchase calculation period.

15,000

$6,500 in purchases in the first 12 months
In the two months following the end of the purchase calculation period.

5,000

Enrolment in payment insurance* for at least the first three months
In the two months following the minimum enrolment period for payment insurance.

 *To apply for enrollment in payment insurance, you must complete the sections to apply for the Credit Card Payment Protection Plan (CCPPP) included on the credit card application form.

How total purchases are 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 take advantage of the promotion once. 
  • Issuance of the card is subject to credit approval by National Bank of Canada. Other conditions apply to the issue of the card. 
  • This promotion may not be combined with any other promotion or offer applicable to National Bank credit cards, nor is it retroactive.
  • This promotion may be modified or withdrawn without notice.

Distribution guides | Summaries | Insurance certificates
  • Syncro® Mastercard credit card
  • Regular Mastercard credit card
  • MC1® Mastercard credit card
  • Allure® Mastercard credit card
  • Echo® Mastercard credit card
Consult the Purchase protection summary | Insurance certificate
  • mycreditTM and Edition® Cashback Mastercard credit cards
Consult the Consult the summaryInsurance certificate
  • Ovation Gold® Mastercard credit card
Consult the  Distribution guideInsurance certificate
  • Platinum® Mastercard credit card, Edition® with rewards program, and Escapade® Mastercard credit cards
Consult the Purchase protection summary | Travel insurance summaryInsurance certificate
  • World® Mastercard credit card
Consult the Purchase protection summary | Travel insurance summaryInsurance certificate
  • World Elite® Mastercard credit card
Consult the Purchase protection summary | Travel insurance summaryInsurance certificate

® ALLURE, MYCREDIT, ECHO and À LA CARTE REWARDS PLAN, LE CONNECTÉ and NATIONAL BANK LOUNGE are registered trademarks of National Bank.

TM SYNCRO and LE TOTAL is a trademark of National Bank.

® Mastercard, MC1, Platinium Mastercard, World Mastercard and World Elite are registered trademarks, and the circles design is a trademark of Mastercard International Incorporated

Consult the Agreement Governing the Use of the National Bank Mastercard Credit Card [PDF]

® Apple Pay is a trademark of Apple Inc., registered in the U.S. and other countries. Apple Inc. is not a sponsor of or participant in National Bank Mobile Banking Solutions.

® Google Pay is a trademark of Google LLC. The use of this trademark is subject to Google Inc.’s authorization policy.

® Boingo, Boingo Wireless, Boingo Wi-Finder and the Boingo Wireless Logo are registered trademarks of Boingo Wireless, Inc.

1. Certain restrictions apply. Please refer to the rules for earning points specified in the Rewards Plan section of the credit card product page you are interested in. 

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

12.9%

$5.30

$31.81

8.9%

$3.66

$21.95

*Variable interest rate in effect on September 1, 2021

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.