National Bank Mastercard credit card promotions

Our credit card promotions

Platinum Mastercard

Enjoy solo or share the rewards

Up to 2 points per dollar spent¹
Travel insurance for trips of 10 days or less²
Mobile device insurance²

Earn up to 25,000 rewards points

Get up to 25,000 rewards points after enrollment and save on annual fees on your main card and an additional card for the first year.*

*Offer valid until August 4, 2025.

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$70 $0

Annual fee for the cardholder for the first year³

Reimbursed the first year, $70/year thereafter.

$35 $0

Annual fee for the authorized cardholder for the first year³

Reimbursed the first year, $35/year thereafter.

20.99%

Purchase rate³

22.49%

Balance transfers and cash advances^3-4

Subject to credit approval by National Bank of Canada.

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Length of the welcome promotion

From April 1 to August 4, 2025.

Eligibility conditions

Sign up for a National Bank® Platinum Mastercard® credit card during the promotion as a primary cardholder.
Have not held a personal National Bank Mastercard credit card as a primary cardholder 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.

Description of the promotion

Up to 25,000 reward points upon enrollment and the annual fees refunded for the first year for the primary cardholder and the first additional authorized 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 and in good standing. 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 other authorized users’ cards are not eligible for this promotion.

Rewards points

Points offered	Conditions	When points are awarded to the account
5,000	Enrollment in payment insurance* for at least the first three months	In the two months following the minimum enrollment period for payment insurance.**
10,000	$2,500 in purchases in the first three months**	By the end of the 6th month after enrollment.**
10,000	$6,500 in purchases in the first 12 months**	By the end of the 15th month after enrollment.**

* 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.

** The purchase calculation period starts on the date you sign up for the card. For example, if you sign up for the card on April 15, you have until July 15 to make the required net purchases to receive the points which will be credited to your account by the end of October 2025.

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 Plan^TM.

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.

® Mastercard is a registered trademark. Authorized user: National Bank.

1. Certain restrictions apply. For more information, consult the Rewards plan section or the Plan rules regarding how to earn points.

2. 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.

3. 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

4. Balance transfers and cash advances are subject to credit approval by National Bank. Each amount transferred cannot be less than $250.

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Platinum Mastercard

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