Platinum Mastercard

Enjoy peace of mind with the card that offers travel insurance

Apply now

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Your Platinum Mastercard^® at a glance

Up to 2 points per dollar spent¹

Travel insurance for trips of 10 days or less⁴

Mobile device insurance⁴

No minimum annual income required. Subject to National Bank credit approval.

Annual fee for the cardholder ²

$70

Annual fee for authorized cardholder ²

$35

Purchase rate²

20.99%

Balance transfers and cash advances^2-3

22.49%

Apply now

Secure online form

Jusqu’à 900 $ en rabais voyage ou jusqu’à 800 $ à investir dans un produit financier annuellement*

Platinum Mastercard

Up to 2 points per dollar spent

$70
Annual fee

20.99%

Purchase rate

22.49%

Interest rate (balance transfers and cash advances)

Apply now

Platinum Mastercard

Apply now

Platinum Mastercard credit card benefits

Picto of a credit card with three encircled dollar signs

Earn points and treat yourself

Pay your card balance or redeem your points for items, gift cards, travel discounts and more in our online boutique.

How do points work?

Travel insurance

Take advantage of travel insurance for trips of 10 days or less outside your province of residence, including trip cancellation and travel interruption insurance.⁴

Picto of a broken mobile phone with a shield

Mobile phone insurance

Have you broken, lost or had your mobile phone stolen? Bad luck happens to everyone. With the Platinum Mastercard credit card, you’re covered for maximum of $1,000 for up to 2 years.¹²

Discover all the benefits

Earn points, get rewards

Earn rewards points that vary according to the categories of common purchases.
Here's how your points work.

Get more points for your daily purchases

2 points*/$1 spent

Groceries⁷

Picto of a plate with a fork and knife on either side

Restaurants⁷

1.5 points/$1 spent

Gas and electric vehicle charging⁸

Picto of a mobile phone with a music note

Recurring bill payments⁹

À la carte Travel^TM,10

1 point/$1.50 spent

Other purchases

* For the first increment of $1,000 in gross monthly purchases charged to the account, regardless of the purchase category. After that, you will earn 1.5 points per dollar in eligible grocery and restaurant purchases.

How to earn points every month

Here’s a look at what your monthly points accumulation with your Platinum Mastercard credit card could look like.

Choose your rewards

Redeem your points for rewards: items, gift cards, travel discounts and much more! Here are some ideas to help inspire you.

Rewards

Points needed

$50 gift card

7,250

Picto of a credit card with an encircled dollar sign

Pay $100 off your card balance

25,000

Wireless headphones
In our online boutique

Starting from
9,380

Round-trip flight Montreal-Toronto ($375 value)
$100 off per 10,000 points on À la carte Travel^TM

37,500

Subject to availability. Exchange value may vary by reward type.

New features on our online boutique

Visit our online boutique to see our new homepage and the improvements we made to the online shopping experience on À la carte Rewards. While you’re there, treat yourself by redeeming your reward points today.

Visit our online boutique

Picto of a credit card with an encircled plus symbol

Tip to help you earn more points

Think about adding an additional credit card to your account, for your spouse for example.

Your Platinum Mastercard credit card benefits

Simplify your day-to-day with our range of benefits designed to fit your lifestyle.

Collage of 3 images showing people smiling and loving life

For those who want to enjoy every moment

With your Platinum Mastercard credit card, your everyday purchases help you earn rewards points that you can redeem on items, gift cards and vacations. How will you treat yourself?

Out-of-province hospital medical insurance⁴
Flight cancellation or trip interruption insurance⁴
Delayed flight and stolen luggage insurance ⁴
Stolen or lost luggage insurance⁴
Vehicle rental insurance (local or abroad⁴)
Medical, legal or general assistance⁴

Insurance in case of accidental breaks, loss or theft of mobile devices¹¹
Extended manufacturer’s warranty on purchases⁴
Purchase protection ⁴ insurance (up to 180 days)
Contactless payments with Apple Pay^® and Google Pay^®
Enhanced security with Mastercard^® ID Check^TM

Fraud protection⁵
Redeem your points at the travel agency of your choice
Experiences and À la carte Rewards Plan^®
Use your points to pay off your balance
Discounts on monthly fees for The Total^® and The Connected^®packages

Apply for our award-winning credit card

2025

Best credit card for young professionals*

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Platinum Mastercard credit card: enhance your lifestyle

Apply now

Image of a clock Complete your application in minutes. No minimum income is required.⁶

This card not offering what you’re looking for?

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Check out the World Elite^® Mastercard^® credit card

Up to 5 rewards points per dollar spent

Exclusive travel benefits

Guaranteed extended warranty on purchases

See our World Elite

We’re here for you

Is the Platinum Mastercard right for you?

Apply online in minutes.

Apply for your card

Come see us or give us a call and we'll answer all your questions.

Find a branch

Call us toll free:
1-888-622-2783

Need more information?

Find an answer

Little details that matter

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	Enrollment in payment insurance* for at least the first three months	In the two months following the minimum enrollment 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 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.

Number of points per $ spent¹	Groceries and restaurants⁷: The amount of points earned on grocery and restaurant purchases depends on the total gross monthly amount charged to the credit card account, regardless of the purchase category. You will earn 2 points for every dollar in eligible grocery and restaurant purchases until a total of $1,000 in gross monthly purchases is charged to the account. After that, you will earn 1.5 points per dollar in eligible grocery and restaurant purchases. Gas and electric vehicle charging: 1.5 points per dollar in eligible purchases⁸ Recurring bill payments: 1.5 points per dollar in eligible purchases⁹ À la carte Travel^TM: 1.5 points per dollar in eligible purchases¹⁰ Other purchases: 1 point per $1.50 in eligible purchases¹¹ Earn points even faster by adding another card to your account (e.g. for your spouse) or by booking travel through our À la carte Travel™ online agency.
Travel deals¹	With the À la carte Rewards Plan^®, you have the freedom to travel with the agency and airline of your choice. For more information on travel rewards, go to rewards.nbc.ca
À la carte Travel	Save on vacation packages and airline tickets when you redeem your points through the À la carte Travel™ online agency. Plan your entire trip with hotel and cruise bookings, car rentals and more. Discover the À la carte Travel online agency
À la carte Extras	Invest in a financial product, save on your banking packages or pay your mortgage with your rewards points thanks to the À la carte Extras^®
Pay with rewards points	Pay your credit card balance with your rewards points directly in your online bank. For more details, visit our Pay with rewards points page page.

Summary and insurance certificate	Consult thePurchase protection summary[PDF]\| Travel insurance summary \|Insurance Certificate[PDF]
Zero Liability⁵	Included
Purchase protection against theft or damage⁴	180 days following the purchase date
Extended warranty⁴	Possibility of tripling the manufacturer's warranty (up to 2 additional years)
Trip cancellation insurance⁴	Up to $1,000 per person
Trip interruption insurance⁴	Up to $1,500 per person
Out-of-province-of-residence medical/hospital insurance⁴	Up to $5,000,000 per person for 10 days (76 and over: no coverage) If your trip is longer than these time periods, you will not be covered.
Flight delay insurance⁴	Up to $500 per person (over 4 hours)
Baggage insurance in case of delay⁴	Up to $500 per person (over 6 hours)
Baggage insurance in case of theft or loss⁴	Up to $1,000 per person
Vehicle rental insurance⁴	Against collision, theft or damage for a period of 48 days
Medical, general and legal assistance⁴	Included
Mobile device insurance	Up to $1,000 in the event of accidental breakage, loss or theft for a maximum of 2 years after the purchase date¹²

Customer service (24/7)	In Canada or the U.S.: 1‑888‑622‑2783 Other countries: 514‑394‑1427
À la carte Rewards Centre	In Canada or the U.S.: 1‑800‑341‑8083 Other countries: 514‑847‑8280
Insurance claim and assistance	In Canada or the U.S.: 1‑888‑235‑2645 Other countries: 514‑286‑8345
Lost or stolen card	In Canada or the U.S.: 1‑800‑361‑0070 Other countries: 514‑281‑3159
Chargeback	1-888-622-2783

To learn more about the terms applicable to your card, read theCredit card Agreement[PDF].

There are two main elements of a joint credit card:

The primary cardholder’s name will be the one that appears on the credit card contract. This person can decide to add up to three authorized users to their account, as well as remove them at any time. They must meet all the eligibility criteria to apply for a credit card.
An authorized user has their own card and PIN. However, all transactions made by that person are charged to the primary cardholder’s account. An authorized user could be a spouse, a child aged 16 or older, or a friend. The designated person doesn’t need to meet all of the eligibility criteria to access their card.

Please remember that the primary cardholder is responsible for paying any outstanding balances and managing the account. This also means that they’re the ones who will receive any cashback generated by the account. If any disagreements or separations occur, the authorized users and primary cardholder must agree on how to proceed.

The authorized user doesn’t receive a statement and doesn’t have access to transaction details and account information, including the credit card limit. However, both cardholders can enjoy the benefits of their card. They can also change their respective PINs, as well as cancel or replace their cards.

How do I get a joint credit card?

If you’re applying for a new credit card, answer “Yes” to the “Do you need an additional card” question in our application form.

If you’d like an additional card for an existing account, fill out our credit card application or call us at 1-888-622-2783.

Please note that there’s an annual fee for an additional credit card.

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

^®À LA CARTE EXTRAS, À LA CARTE REWARDS PLAN, NATIONAL BANK and the NATIONAL BANK logo are registered trademarks of National Bank of Canada.

^®THE TOTAL, THE CONNECTED, AND NATIONAL BANK are registered trademarks of National Bank of Canada.

*Platinum^® Mastercard^®

National Bank^® of Canada Platinum^® Mastercard^® credit card was named the best credit card for young professionals by Milesopedia in 2025. Each year, Milesopedia examines the credit card offers of the largest financial institutions and establishes its ranking according to more than 150 criteria such as fees, welcome offers, minimum income required, number of points per category, account credits, insurance, airport lounge access, etc.

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

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

3. Balance transfers and cash advances are 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, 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, 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. Certain conditions apply. Visit mastercard.ca for more information. Refer to the credit card terms and conditions.

6. Subject to credit approval by National Bank.

7. The amount of points earned on grocery and restaurant purchases depends on the total gross monthly amount charged to the credit card account, regardless of the purchase category. You will earn 2 points for every dollar in eligible grocery and restaurant purchases until a total of $1,000 in gross monthly purchases is charged to the account. After that, you will earn 1.5 points per dollar in eligible grocery and restaurant purchases. The total gross monthly amount is calculated based on your monthly billing period. Grocery purchases include any purchase made at a store that primarily sells food, i.e., grocery store, delicatessen, supermarket, greengrocer or specialty food store. Ready-to-eat meal services and meal delivery services are eligible. This definition excludes purchases made at retail stores and big box stores whose core business is the sale of non-food items. Certain merchants may sell products and services that appear identical or similar to those sold by eligible merchants, or may be separate merchants located on the same premises as eligible merchants, but are classified in different categories by Mastercard. For purchases at other merchants, you will only earn regular rewards points. Restaurant purchases include purchases at a restaurant, fast food restaurant, bar, nightclub or pub. For a full list of Mastercard codes associated with eligible merchants, download the terms and conditions of the À la carte Rewards Plan^®.

8. To earn 1.5 points per dollar in purchases, you will need to purchase gas or an electrical vehicle charge from a service station or from certain big box stores. Certain merchants may sell products and services that appear identical or similar to those sold by eligible merchants, or may be separate merchants located on the same premises as eligible merchants, but are classified in different categories by Mastercard. For purchases at other merchants, you will only earn regular rewards points. For a full list of Mastercard codes associated with eligible merchants, download the terms and conditions of the À la carte Rewards Plan^®.

9. Recurring bill payments are defined as monthly or regular payments automatically charged by a merchant to your National Bank Platinum Mastercard credit card. Not all merchants offer recurring bill payments, and not all recurring payments are considered recurring bill payments. Certain payments therefore may not entitle you to earn more points.

10. To earn 1.5 points per dollar in purchases, you must make your eligible purchases via the À la carte Travel^TM Agency section of our À la carte Rewards^TM site.

11. 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.

Minimum age	Age of majority in the province or territory where you live
Legal status	Canadian resident

Annual fee²	$70
Annual fee for additional card	$35
Purchase rate	20.99%
Balance transfer and cash advance rate^2,3	22.49%
Minimum credit limit⁶	$500

Platinum Mastercard

Your Platinum Mastercard® at a glance

Platinum Mastercard credit card benefits

Earn points, get rewards

Get more points for your daily purchases

How to earn points every month

Choose your rewards

New features on our online boutique

Tip to help you earn more points

Your Platinum Mastercard credit card benefits

For those who want to enjoy every moment

Apply for our award-winning credit card

Platinum Mastercard credit card: enhance your lifestyle

This card not offering what you’re looking for?

Check out the World Elite® Mastercard® credit card

We’re here for you

Is the Platinum Mastercard right for you?

Need more information?

Little details that matter

Ended promotion

Eligibility criteria

Annual fee and interest rate

Rewards plan

Insurance

Important phone numbers

Credit card Agreement

How joint credit cards work

Confidentiality Policies

Legal disclaimers

Your Platinum Mastercard^® at a glance

Check out the World Elite^® Mastercard^® credit card