Laurentian Bank Visa Infinite* Card  🇨🇦

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Conditions – World Elite Card Promotion – Milesopedia

Length of the welcome promotion

From April 15 to June 15, 2024.

Eligibility conditions

• Sign up for a National Bank^® World Elite^® Mastercard^® credit card during the promotion as a primary cardholder.
• Sign up via the redirection link provided on Milesopedia’s website during the promotion.
• Not have held one of our Mastercard credit card for individuals from National Bank over the past 24 months.
• 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. 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

Annual fee

No annual fee for the first year for the primary cardholder.

We will charge these annual fees to your new card account and then refund them to you. You will receive this refund within five months of opening your account, provided that your account is still open. It will appear on your statement as a credit.

Annual fees for cards of other authorized users are not eligible for this promotion.

Reward points

* The calculation period begins from the date of card membership. For example, if you join the card on May 15, you have until August 15 to make the required number of purchases to earn the offered points, and these will be credited to your account by the end of October 2024.

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• This promotion may be modified or withdrawn without notice.

Conditions of the Mastercard World Elite and Transat Contest

No purchase necessary. Open only to Canadian residents who have reached the age of majority in their province as of the contest opening date. The contest begins on April 15, 2024, at 8:00 a.m. (ET) and ends on June 15, 2024, at 11:59 p.m. (ET).

To participate, you must :

• Apply for membership for a National Bank^® World Elite^® Mastercard^® credit card via the redirection link available on the Milesopedia website and be approved during the contest period as the primary cardholder.
• Apply for membership via the redirection link available on the Milesopedia website, during the contest period.
• Not have held one of our Mastercard credit card for individuals from National Bank over the past 24 months.
• Must not be employed by Transat or any entity within our group.

Prize: five (5) Transat travel credits valued at $2,000 each, exclusively for the purchase of a Transat or Air Transat product, redeemable at any time, only with À la carte Travel^TM agency. (https://rewards.nbc.ca/travel).

To book or inquire about our travel offers, please contact À la carte Travel^TM at 514-871-3040 or 1-800-561-3653 and mention that you have a travel credit.

Travel booking must be made directly with the designated agency 30 days prior to departure and applies to Transat and Air Transat products. In addition, subject to availability and current schedule. If the total price of the trip exceeds $2,000, you will be required to pay the difference.

Transat and Air Transat’s general terms and conditions will apply to the booking, including in the event of cancellation for health or other reasons. Please consult transat.com for all details; It is the responsibility of the winner and their travel companion to obtain the necessary travel documents and travel insurance prior to departure, at their own expense.

The odds of winning depend on the total number of eligible entries received as of the draw date. An exact answer to a mathematical skill question is required.

Regulations are available online here.

*Grocery and Restaurant: 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 5 points for every dollar in eligible grocery and restaurant purchases The accumulation of 5 points per dollar of purchase is valid until a total of $2,500 in gross monthly purchases is charged to the account. After that, you will earn 2 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.

Gas and Electric Vehicle Charging: To earn 2 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.

Recurring Bill: Recurring bill payments are defined as monthly or regular payments automatically charged by a merchant to your National Bank World Elite 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.

À la Carte Travel: To earn 2 points per dollar in purchases, you must make your eligible purchases via the À la carte TravelTM Agency section of our À la carte RewardsTM site.

Other purchaseFor example, if each month you charge $400 in groceries, $200 in gas, $100 in recurring bill payments and $150 in other purchases to your card, your $850 in purchases will earn you 2,750 points, as follows: 2,000 points for grocery purchases (since the total gross monthly amount is $850, i.e., under $2,500), 400 points for gas purchases, 200 points for recurring bill payments and 150 points for other purchases.

Reimbursement of travel expenses

Clients must submit required documents within the given deadline. Certain conditions may apply. Only the primary cardholder (“Cardholder”) of National Bank World Elite Mastercard whose account is in good standing can request a refund of travel expenses.

An account in good standing refers to an account linked to a credit card which complies with the Agreement governing the use of the credit card and which is not subject to any restrictions.

For example, the annual fees related to the credit card must have been paid in full. The maximum amount that can be submitted for reimbursement between January 1^st and December 31 of each year is $150.

Eligible expenses include:

• • • airport parking fees
    • baggage fees
    • seat selection fees
    • access to airport lounges worldwide
    • airline ticket upgrades

The claim must be submitted within 60 days of the purchase date and accompanied by proof of purchase. The travel fees must be charged to the National Bank World Elite Mastercard credit card. The maximum reimbursement amount is $150 per account. The refund will be issued within 7 business days following the request approval date and after receiving all required information.

National Bank reserves the right to request additional supporting documents for validation purposes (e.g. invoices). You must keep all receipts and supporting documents for a period of 12 months from the date of your claim. An amount not claimed in a year cannot be carried over to the following year. For more information or to obtain the refund form, sign in to rewards.nbc.ca, click the Refund of travel expenses tab and complete the form, you can also contact us at 1-888-296-8881 (toll-free).

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 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

*Variable interest rate in effect on September 1^st, 2021

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

Length of the welcome promotion

February 1 to May 12, 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.
• Not have held one of our Mastercard credit card for individuals from National Bank over the past 24 months.
• 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 agreementuntil 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 30,000 rewards points after signing up and annual fees reimbursed for the first year 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 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.

Reward points

* 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.

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 PlanTM.

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.

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 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

*Variable interest rate in effect on September 1^st, 2021

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