National Bank Mastercard credit cards documents 

Learn about all terms and benefits

Find out more about your National Bank Mastercard credit card

Below you will find the documentation related to your credit card to better understand the features of your card, including insurance coverage, fees and applicable terms.

The following credit cards are only available to current cardholders. They are no longer offered to new clients.

Regular Mastercard® credit card

Edition® Cashback Mastercard® credit card 

Edition® with rewards program Mastercard® credit card

Escapade® Mastercard® credit card

OVATION® Gold Mastercard® credit card

Allure® Mastercard® credit card 

Regular Mastercard Solutions Banking

For details on your insurance coverage, read the Summary | Insurance Certificate.

Platinum Mastercard Solutions Banking

For details on your insurance coverage, read the Purchase protection and extended warranty Summary | Travel insurance Summary | Insurance Certificate.

World Mastercard Solutions Banking

For details on your insurance coverage, read the Purchase protection and extended warranty Summary | Travel insurance Summary | Insurance Certificate.

World Elite Mastercard Solutions Banking

For details on your insurance coverage, read the Purchase protection and extended warranty Summary | Travel insurance Summary | Insurance Certificate.

Legal disclaimers

Consultthe AgreementGoverning the Use of the National Bank Mastercard Credit Card [PDF]

 
®ALLURE, EDITION, ESCAPADE, OVATION, NATIONAL BANK and the NATIONAL BANK logo are registered trademarks of National Bank of Canada.

 

®Mastercard, is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated. Authorized user: National Bank

 

1. Subject to credit approval by National Bank.

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

13.2%

$5.53

$33.16

9.2%

$3.78

$22.68

*Variable interest rate in effect on September 1, 2021

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Quick tip

Travelling? Set up a travel notification through the online bank or our mobile app to ensure you can use your credit card wherever you go.

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!

Explore the benefits

Find the right credit card for you

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Rewards

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Travel

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Cashback

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Low interest rate

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No annual fee

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Terms of use
National Bank’s virtual assistant

When using our Virtual Assistant Service (the "Chatbot"), you accept these Terms of Use, which are subject to change without notice. Furthermore, you agree to consult these Terms of Use from time to time and acknowledge that your continuing use of the Chatbot means that you have accepted any changes that may have been made. Your continued use of the Chatbot means that you’ve read, understand and agree to these Terms of Use, the Terms of Use for our website, our Online transaction services, and to our privacy policy. You also understand any other agreements that you have with us will continue to apply when you use the Chatbot.

1. Our Services and your responsibilities

The Chatbot is an automated service which is integrated into our online banking platform.

The Chatbot is preprogrammed to answer general questions concerning the use of our online banking platform solely for informational purposes. The Chatbot is not able to answer questions on personal monetary transactions or products you hold with us.

By using the Chatbot, you understand and agree that:

  • The Chatbot does not provide financial advice or financial planning services.
  • The Chatbot does not conduct any banking transactions.
  • The Chatbot may not be able to answer all your questions. Therefore, it may not be able to provide you with the information you require. You must judge whether the answer provided responds to your question accurately. In the case of uncertainty, a customer service representative would be happy to help you. You can call us toll free at 1-888-483-5628 or 514-394-5555.
  • The Chatbot is not a complaint service. You cannot use the Chatbot to file complaints. If you have any complaints, you can contact us at the number indicated above.
  • We monitor, record and store the discussion that you have with the Chatbot to improve our interactions with our clients.
  • You will not provide the Chatbot with any confidential, personal, or private information. For example, you will not provide the Chatbot with your login information, PIN or other personal banking information.

2. Limitation of Liability

You acknowledge that we won’t be liable for any losses or damages that you may suffer as a result of your use of the Chatbot, including if the Chatbot is unavailable for any reason.

We cannot guarantee that the results obtained via the Chatbot will be accurate and reliable and that the answers provided will meet your expectations.

We will not be held liable for damages you incur as a result of:

  • Any delay, error, interruption or omission on our part or any other event beyond our control.
  • Any deficiency or technical error or any unavailability of our systems and wireless networks.
  • Your failure to meet any of your obligations.
  • Any amendment to or suspension, refusal or blockage of the Chatbot.
  • Any decision or measure you take in response to information and data obtained via the Chatbot.
  • Any other damages you may incur that are not caused by negligence on our part.

3. Language

You have requested that these Terms of Use, and related documents be drawn up in English.

4. Governing Law

These Terms of Use are governed and must be interpreted in accordance with the laws in force in the province or territory where you reside. If you reside outside Canada, the laws in force and the courts of competent jurisdiction are those of the province of Quebec.

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