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By clicking on the Subscribe button, you will be redirected directly to the National Bank credit card application form. Make sure you have the following information on hand: contact details, employment status, income and valid ID.
Take advantage of this great welcome offer: a rebate on the annual fee for the first year (a $70 value) and up to 25,000 bonus points, distributed as follows:
Per dollar of purchases
This section sets out the maximum coverage amounts or periods. Please review your insurance certificate for details, exclusions and limitations of your coverage, terms and conditions apply.
With this offer for the National Bank Platinum Mastercard®, enjoy a rebate on the first year’s annual fee (a $70 value) and receive up to 25,000 bonus points distributed as follows:
With the National Bank Platinum Mastercard®, you can earn 2 points per dollar on grocery and restaurant purchases, and 1.5 points per dollar on gas, EV charging, recurring bills and À la carte Travel.
Since it is an NBC mycredit Mastercard, you can use it at Costco.
Unlike the other two National Bank travel rewards cards, the National Bank Platinum Mastercard® does not require a minimum income.
What’s more, you can take advantage of a wide range of insurances usually reserved for high-end credit cards:
We voted the National Bank Platinum Mastercard® as the best credit card for young professionals in 2024.
No, the National Bank Platinum Mastercard® has no minimum income requirement. So, unlike the National Bank World Elite Mastercard, it’s a Mastercard credit card accessible to the widest possible audience.
The National Bank Platinum Mastercard® offers several advantages, including up to 2 points per dollar spent in specific categories and comprehensive travel insurance for up to 10 days of travel. It also includes various types of insurance, such as out-of-province hospital insurance, flight delay insurance and vehicle rental insurance.
The annual fee for the National Bank Platinum Mastercard® is $70. Additional cards cost $35 each.
Through the BNC rewards program, you can earn as many as 2 points for every dollar spent in select categories. These points can then be redeemed in the BNC rewards store.
You can use NBC points for:
Yes, cash advances are subject to an interest rate of 22.49%.
The interest rate for purchases is 20.99% and for balance transfers it is also 22.49%.
There is no minimum personal or family income required for approval of this National Bank Platinum Mastercard®.
So, unlike the National Bank World Elite Mastercard, it’s a Mastercard credit card accessible to the widest possible audience.
Yes, the foreign currency conversion fee is 2.5% with the National Bank Platinum Mastercard®.
Mobile device insurance is valid for up to 2 years. This is an essential insurance policy to complement the manufacturer’s warranty.
Points are earned on specific categories of eligible purchases, according to the terms and conditions of the National Bank Platinum Mastercard® Rewards Plan.
The minimum payment is calculated according to the terms and conditions of the National Bank Platinum Mastercard®, which will be detailed on your account statement.
The National Bank Platinum Mastercard® includes comprehensive travel insurance, medical-hospital insurance, trip interruption and cancellation insurance, flight and baggage delay insurance, and vehicle rental insurance.
If you want even more generous coverage, you can opt for the National Bank World Elite Mastercard.
Consult the terms, conditions and restrictions relating to insurance directly in the booklet supplied with your card.
The National Bank Platinum Mastercard® offers purchase insurance against theft or damage and an extended warranty on products purchased.
Vehicle rental insurance covers you in the event of damage to the rented vehicle, according to the conditions specified in the National Bank Platinum Mastercard® insurance plan.
Flight delay insurance covers you in the event of a flight delay, in accordance with the terms and conditions of the insurance plan included with the National Bank Platinum Mastercard®.
This is a great insurance policy to have if you buy airline tickets with your NBC Platinum Card.
Baggage loss insurance covers you in the event of loss or theft of your baggage while travelling.
This insurance covers you in the event of a burglary in your hotel room during your stay.
The National Bank Platinum Mastercard® offers promotions and welcome bonuses that vary according to the terms and conditions of the current promotion.
The value of the offer for new National Bank Platinum Mastercard® cardholders depends on current promotions and may vary.
Earn up to 2 points per dollar spent on eligible purchases made with the National Bank Platinum Mastercard®.
Yes, the first additional card costs $35, and subsequent other additional cards are also $35 each.
CONDITIONS – PLATINIUM CARD PROMOTIONAL OFFER
Length of the welcome promotion
From December 2, 2025 to February 2, 2026.
Eligibility Requirements
Promotion Description
Up to 25,000 rewards points upon enrolment and the first year’s annual fee refunded for the primary cardholder and the first additional authorized user.
Annual Fee
No annual fees for the first year for the primary cardholder and the first additional authorized user.
We will charge the annual fee to your new card account and refund the fee to you. You will receive this refund within five months of opening your account, provided your account is still open and in good standing. It will appear on your statement as 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.
Reward points
Points offered
Conditions
When points are awarded to the account
10 000
Enrolment in payment insurance* for at least the first three months
In the two months following the minimum enrolment period for payment insurance.**
5 000
$2,500 in purchases in the first 3 months**.
By the end of the 6th month after enrollment.**
$10,000 in purchases in the first 12 months**
By the end of the 15th month after enrolment**
* To apply for enrolment 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 December 15, you have until February 15 to make the required purchases to receive the points which will be credited to your account by the end of June 2025.
How 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
Credit terms
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 is the greater of 5% of your account balance, plus any overdue amounts, or $10.
If you live outside Quebec, your minimum payment is 2.5% of your credit card balance, plus any past-due amount or $10, whichever is greater.
Account statement: A statement is sent monthly.
Example of credit charges over a 30-day period
*Variable interest rate in effect on September 1, 2021.
Balance transfer and cash advance are subject to credit approval by National Bank. Each balance transfer must be at least $250.
Savings are here (if you don’t see the sign-up form, please click here):
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