Mastercard credit card promotions

Our credit card promotions

World Elite Mastercard

The ideal travel card

Refund for eligible travel expenses ($150 per year)⁵
Free and unlimited access to the National Bank Lounge^MD,⁴
Travel insurance for up to 60 days⁵
Vehicle rental insurance⁵
Extended warranty on purchases⁵

Get up to 40,000 rewards points

Take advantage of our World Elite Mastercard credit card promotion and and you could get up to $1,352 in benefits and rewards for the first year, including 40,000 points.*

Promotion is valid until March 31, 2025.

Apply now

$150

Annual fee¹

20.99%

Interest rate – purchases¹

22.49%

Interest rates – balance transfers and cash advances^1-2

Minimum annual income required. Subject to credit approval by National Bank.

*Offer for new clients. Insurance product (for Mastercard World Elite) and minimum purchase required. Conditions apply.

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Little details that matter

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 1^st, 2024, to March 31^st, 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 Plan^TM.

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 calculation period starts at the end of a calendar month.

**To apply for payment protection insurance, you must complete the Credit Card Payment Protection Insurance (CCPP) application sections included in 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 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.

Length of the welcome promotion 

From November 21, 2024, to February 27, 2025 

Eligibility conditions

Sign up for a National Bank® Syncro™ Mastercard® credit card during the promotion as a primary cardholder. 
Not have held one of our Mastercard credit cards for personal banking from National Bank over the past 12 months as a primary cardholder.  
Keep the credit card account open until the annual fees are refunded, and the bonus is awarded.
Keep the account in good standing by complying with the conditions set out in the credit card agreement, until the annual fees are refunded and the bonus is awarded. 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

The annual fees will be refunded for the first year for the primary cardholder, and a $70 cashback bonus will be credited to the account if $5,000 in net purchases are made within the first 12 months of card membership.

Annual fees

Refund of annual fees in the first year for the primary cardholder.

These annual fees will be charged to your new card account, and we will refund these fees. You will receive this refund within three months of account opening, provided your account is still open and in good standing. It will appear on your statement as a credit.

Bonus payment

You may receive $70 as a cashback bonus to your account if a minimum of $5,000 in net purchases is charged to the credit card account within the first 12 months of account opening.

You will receive this cashback bonus within fifteen months of account opening, provided your account is still open and in good standing. It will appear on your statement as a credit.

The net purchases calculation period begins on the card membership date. For example, if you signed up for the card on November 25, 2024, you have until November 25, 2025, to complete the required $5,000 in net purchases to qualify for the $70 cashback bonus, and it will be credited to your account by the end of February 2026.

How purchases are calculated

The total of purchases made with all cards linked to the account is considered.

The following transactions are not counted toward the total purchases: cash advances; balance transfers; Mastercard checks; interest; non-interest fees (such as annual fees, currency conversion fees, and insurance premiums); purchase returns; payments made on your credit card with your points; credits posted to the account when you redeem points for a reward.

Other conditions

You can only benefit from the promotion once.
The card is subject to National Bank's credit approval. Other conditions apply to the issuance of the card.
This promotion cannot be combined with another promotion applicable to National Bank's credit cards and is not retroactive.
This promotion may be changed or withdrawn without notice.

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 cards 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 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 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
5,000	Sign up for credit card payment insurance for at least the first 3 months.*	Within five months of the minimum period of enrollment.**
5,000	$5,000 in purchases in the first 3 months.	At the end of the 6th month after enrollment.**
10,000	$10,000 in purchases in the first 6 months.	At the end of the 9th month after enrollment.**
20,000	$15,000 in purchases in the first 12 months.	At 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 June 15, you have until September 15 to make the required purchases to receive the points which will be credited to your account by the end of December 2024.

How the total purchase amount is calculated

The calculation uses the total purchases charged for all cards linked to the account. Transactions that are not included in the calculation are set out under section 1.5 of the A la carte Rewards Plan^®.

Other conditions

You can only benefit from the promotion once.
The credit card is issued 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.

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

TM SYNCRO is a trademark of National Bank of Canada.

®NATIONAL BANK is a registrated trademark of National Bank of Canada.

1. 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

2. Balance transfer and cash advance are subject to credit approval by National Bank. Each balance transfer must be at least $250.

3. Exclusively available to World Elite Mastercard cardholders.
Visitors must present their physical credit card and boarding pass to access the National Bank Lounge. The National Bank Lounge is only available to clients travelling to international destinations (excluding Canada and U.S. flights). You benefit from free and unlimited access with a guest and two children aged 12 or under. 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 $37 for adults and $26 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. 

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, their 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, if 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 National Bank Syncro 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. The prime rate refers to the annual variable interest rate posted by National Bank, from time to time, and used by National Bank to determine the interest rates on the demand loans it grants in Canadian dollars in Canada.

7. The interest rate for the SyncroTM credit 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 SyncroTM credit card will not be less than 8.9% for purchases and 12.9% for balance transfers and cash advances.

8. Subject to credit approval by National Bank.

Mastercard credit card promotions

Our credit card promotions

World Elite Mastercard

Get a quick response to your application

We’re here for you

Is the World Elite Mastercard credit card right for you?

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Little details that matter

Conditions – World Elite promotional offer

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