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8 reasons to apply for the National Bank World Elite Mastercard in 2026

8 reasons to apply for the National Bank World Elite Mastercard in 2026
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#1- One of the Best World Elite Cards for Travel

The National Bank World Elite Mastercard is one of the best World Elite credit cards. Its combination of generous travel insurance, purchase protection, and a flexible rewards program makes it an excellent choice for Canadians who travel regularly.

For a $150 annual fee, you get a $150 travel credit, unlimited access to the National Bank Lounge, and up to 5 points per dollar on groceries and restaurants. This card is also featured in our ranking of the best credit cards in Canada. Here are our 8 reasons to apply.

Le Méridien Bali Jimbaran 42

#2- $150 Annual Travel Credit

With the National Bank World Elite Mastercard, you can get up to $150 in annual credit towards certain travel expenses!

This credit applies to the following categories:

In practical terms, a single round trip with a checked bag is often enough to recoup this credit. For example, two checked bags on a flight already offset a good portion of the $150 annual fee. The guide below explains in detail how to obtain this reimbursement.

Car Park

#3 – Unlimited Access to the National Bank Lounge

With the National Bank World Elite Mastercard, you have unlimited free priority access to the National Bank Lounge at Montreal-Trudeau (YUL).

This benefit is valid for the main cardholder, one additional traveler and up to two children.

What’s more, you can enjoy paid access to many DragonPass lounges around the world.

Salons d’aéroport : Visa rejoint DragonPass - Salon Bnc Featured 2 Carte de crédit salon aéroport

#4 – Between 1 and 5 Points Per Dollar

With the National Bank World Elite Mastercard, you can earn up to 5 points per dollar:

CategoryPoints
Grocery and Restaurant5*
Gas and EV charging2
Recurring bills2
À la carte Travel2
Other purchases1

*For the Grocery and Restaurant category, you can earn 5 points per dollar up to $2,500 in total gross monthly purchases charged to the card, even abroad.

And don’t forget that grocery stores are great places to buy gift cards for many other businesses (and earn up to 5 points per dollar)!

Here is a concrete example. If your grocery and restaurant purchases reach the $2,500 monthly cap, you earn 12,500 points per month, or 150,000 points per year. At a rate of 10,000 points for $100 via the À la carte Plan, this represents up to $1,500 in travel rewards per year.

Costco : Comment utiliser une carte de crédit VISA chez Costco?

#5 – Points for travel and other rewards

With the National Bank World Elite Mastercard, you can use your points for many rewards, such as travel discounts like an apartment rental on Airbnb, flights, organized tours, all-inclusive packages, or gift cards.

The best way to use your points is to book your trip through Plan à la carte’s online travel agency NBC: you’ll earn a $100 credit for every 10,000 points redeemed.

RewardsPoints for $100
Redeem with the dedicated travel agency of the NBC à la carte Plan.10 000
Flexible travel discount
(from 55,000 points redeemed)
11 000
Flexible travel rebates12 000
À la carte extras
RRSP or TFSA contribution
Cash back on an all-in-one mortgage line of credit or on the mortgage loan
12 000
Gift card12,000 – 13,500
Statement Credit25 000
Les meilleures astuces pour trouver votre location Airbnb - airbnb wanakanz

#6 – The Best Insurance for Your Travels

With the National Bank World Elite Mastercard, you have the best credit card for travel insurance :

  • Travel medical insurance (outside province of residence)
  • Trip Cancellation / Trip Interruption Insurance
  • Insurance in Case of Theft or Loss of Luggage
  • Flight Delay Insurance
  • Insurance in Case of Baggage Delay
  • Car Rental Insurance

Travel medical insurance can cover up to 60 days of travel (depending on your age). As for trip cancellation/interruption insurance, it covers you even if you only charge part of the trip’s cost to your card. Conversely, most other credit cards require the entire trip to be paid for with the card.

This is convenient when you pay for part of your trip with your points Aeroplan or Avios, and only the taxes with your credit card.

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#7 – The Best Insurance for Your Purchases

With the National Bank World Elite Mastercard, you have the best credit card for purchase insurance :

  • Insurance against theft or breakage for 180 days (6 months from date of purchase)
  • Triple extended warranty (up to 2 additional years)
  • Mobile device insurance (up to 2 years)

Mobile device insurance deserves a special mention. It covers your phone for up to $1,000 in the event of theft, loss, or breakage, provided you charge your monthly bill to the card. This benefit avoids having to pay for separate insurance from your provider.

Additionally, the extended warranty triples the manufacturer’s warranty, for up to two additional years. Thus, an electronic device with a one-year manufacturer’s warranty benefits from a total of three years of protection.

Assurances : Comment fonctionne l’assurance garantie prolongée des cartes de crédit? - Washing Machine

#8 – An Award-Winning Credit Card

We have elected the National Bank World Elite Mastercard as the best credit card for travel and the best credit card for insurance in 2023, 2024, 2025, and 2026.

Palmarès Milesopedia 2026 : meilleurs programmes, cartes de crédit et comptes bancaires au Canada - Palmares2026 Meilleure carte de crédit pour les voyages
Palmarès Milesopedia 2026 : meilleurs programmes, cartes de crédit et comptes bancaires au Canada - Palmares2026 Meilleure carte de crédit Mastercard
Exclusive
Annual fee
$0 $150
No annual fee the first year
Our valuation
$150
Milesopedia first-year estimateFirst-year valueAnnual fee rebated$150Total$150Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
Welcome offer
First Year Annual Fee Rebate
$150 annual fee rebated
Ends Nov 4, 2026
Apply Now

on National Bank's website

With Milesopedia, take advantage of an exclusive offer: your first-year annual fees are refunded with the National Bank World Elite Mastercard. This offer is exclusively available on the Milesopedia network, from June 30 to November 4, 2026.

  • Refund of the first-year annual fee (a $150 value) for the primary cardholder. This fee is charged to your new card account, then refunded as a credit on your statement within five months of opening your account, provided it remains open and in good standing.

The National Bank World Elite Mastercard is the best Mastercard credit card offered by NBC.

With this card, you earn up to 5 points per dollar on your purchases:

  • 5 points per dollar for groceries and restaurants
  • 2 points per dollar on gas and electric recharge purchases
  • 2 points per dollar on recurring bills
  • 2 points per dollar on À la carte Travel
  • 1 point per dollar for all other purchases

And since it’s an NBC mycredit Mastercard, you can use it at Costco.

With this card, you have access to a $150 annual travel credit that you can use in any of these categories:

  • Airport parking
  • Baggage fees
  • Seat selection
  • Access to airport lounges
  • Airline ticket upgrades

What’s more, you can enjoy access to DragonPass airport lounges and unlimited access to the National Bank Lounge at Montreal-Trudeau.

Finally, Milesopedia has named the National Bank World Elite Mastercard as the Best Travel Credit Card in 2023, 2024, 2025, and 2026.

Annual fee

Primary card$150
Additional card$50

Annual income required

Individual$80,000
Household$150,000

Conversion fees

2.5%

Earning rate

  • 5xRestaurants
  • 5xGroceries
  • 2xTravel
  • 2xBills & recurring payments
  • 2xGas & EV
  • 1xAll spending

Value

1st Year Value$778
2nd Year Value$923

Card benefits

Airport lounge access$400
Travel creditsIncluded

Travel insurance

Travel medical (under 55)Up to $5,000,000 / 60 days
Travel medical (55-64)Up to $5,000,000 / 31 days
Travel medical (65+)Up to $5,000,000 / 15 days
Trip CancellationUp to $2,500
Trip InterruptionUp to $5,000
Delayed BaggageUp to $500
Lost BaggageUp to $1,000
Flight DelayUp to $500
Travel AccidentIncluded

Purchase protection

Purchase ProtectionIncluded
Extended Warranty+2 years
Mobile DeviceUp to $1,000 / 2 years
Auto Rental CollisionUp to $65,000 / 48 days

Conclusion

Here are the 8 reasons why now is the best time to sign up for the National Bank World Elite Mastercard.

We could also mention Mastercard’s Priceless Cities service or National Bank’s solid reputation for customer experience, as the institution has previously been ranked #1 among credit card issuers according to Forrester’s CX Index.

As a reminder, the exclusive Milesopedia network welcome offer allows you to have the first-year annual fee reimbursed (a $150 value). Before applying, ensure you meet the required annual income of $80,000 for individuals or $150,000 for household income. If you fall short of that threshold, the National Bank Platinum Mastercard® offer has no minimum income requirement and still earns up to 40,000 points. To compare this card with other options, check out our ranking of the best credit cards.

If you decide to apply, take advantage of the current Milesopedia exclusive offer on the National Bank World Elite Mastercard: the first-year annual fee is refunded until November 4, 2026.

Cartes de crédit sans revenu minimum demandé (ou faible revenu) en 2026 - Bnc World Elite Jm

National Bank World Elite Mastercard – Frequently Asked Questions

Here are some frequently asked questions in the Milesopedia community regarding the National Bank World Elite Mastercard.

What is the annual fee for the National Bank World Elite Mastercard?

The annual fee is $150 for the primary cardholder, plus $50 per additional card. The $150 annual travel credit alone can offset the primary card’s fee if you travel at least once a year.

What income is required to be eligible?

National Bank requires a personal annual income of $80,000 or a household income of $150,000. This is a common requirement for World Elite Mastercard category cards.

What is the current welcome offer?

Thanks to an exclusive offer on the Milesopedia network, your first-year annual fee is reimbursed (a $150 value) with the National Bank World Elite Mastercard, from June 30 to November 4, 2026.

How much are National Bank points worth?

The best value is obtained through the NBC À la carte Plan, which is 10,000 points for a $100 travel credit. This is the rate to aim for when redeeming, rather than a statement credit which requires 25,000 points for $100.

Can this card be used at Costco?

Yes. Since it is a Mastercard, you can use it at Costco, which only accepts this network in Canada. Your Costco purchases earn points in the applicable category.

Does travel medical insurance cover travelers aged 65 and over?

Yes, but the duration of coverage varies by age. Travel medical insurance covers up to 60 days per trip, and this duration is generally reduced for older travelers. Always check the exact terms of the insurance certificate before you leave.

How do I get to the National Bank Lounge at Montreal?

The cardholder gets free, unlimited access to the National Bank Lounge at Montreal-Trudeau Airport (YUL), accompanied by one additional traveler and up to two children. Outside of Montreal, you benefit from paid access to lounges in the DragonPass network.

Our featured card

Exclusive
Annual fee
$0 $150
No annual fee the first year
Our valuation
$150
Milesopedia first-year estimateFirst-year valueAnnual fee rebated$150Total$150Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
Welcome offer
First Year Annual Fee Rebate
$150 annual fee rebated
Ends Nov 4, 2026
Apply Now

on National Bank's website

With Milesopedia, take advantage of an exclusive offer: your first-year annual fees are refunded with the National Bank World Elite Mastercard. This offer is exclusively available on the Milesopedia network, from June 30 to November 4, 2026.

  • Refund of the first-year annual fee (a $150 value) for the primary cardholder. This fee is charged to your new card account, then refunded as a credit on your statement within five months of opening your account, provided it remains open and in good standing.

The National Bank World Elite Mastercard is the best Mastercard credit card offered by NBC.

With this card, you earn up to 5 points per dollar on your purchases:

  • 5 points per dollar for groceries and restaurants
  • 2 points per dollar on gas and electric recharge purchases
  • 2 points per dollar on recurring bills
  • 2 points per dollar on À la carte Travel
  • 1 point per dollar for all other purchases

And since it’s an NBC mycredit Mastercard, you can use it at Costco.

With this card, you have access to a $150 annual travel credit that you can use in any of these categories:

  • Airport parking
  • Baggage fees
  • Seat selection
  • Access to airport lounges
  • Airline ticket upgrades

What’s more, you can enjoy access to DragonPass airport lounges and unlimited access to the National Bank Lounge at Montreal-Trudeau.

Finally, Milesopedia has named the National Bank World Elite Mastercard as the Best Travel Credit Card in 2023, 2024, 2025, and 2026.

Annual fee

Primary card$150
Additional card$50

Annual income required

Individual$80,000
Household$150,000

Conversion fees

2.5%

Earning rate

  • 5xRestaurants
  • 5xGroceries
  • 2xTravel
  • 2xBills & recurring payments
  • 2xGas & EV
  • 1xAll spending

Value

1st Year Value$778
2nd Year Value$923

Card benefits

Airport lounge access$400
Travel creditsIncluded

Travel insurance

Travel medical (under 55)Up to $5,000,000 / 60 days
Travel medical (55-64)Up to $5,000,000 / 31 days
Travel medical (65+)Up to $5,000,000 / 15 days
Trip CancellationUp to $2,500
Trip InterruptionUp to $5,000
Delayed BaggageUp to $500
Lost BaggageUp to $1,000
Flight DelayUp to $500
Travel AccidentIncluded

Purchase protection

Purchase ProtectionIncluded
Extended Warranty+2 years
Mobile DeviceUp to $1,000 / 2 years
Auto Rental CollisionUp to $65,000 / 48 days

Our editorial integrity

Our reviews and rankings are based on an objective assessment. Advertisers do not influence our content. We may receive compensation through some links; our analysis and opinions remain independent.