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*Grocery and restaurant: Points earned on grocery and restaurant purchases depend on the total gross monthly amount charged to the credit card account, regardless of category. Earn 5 points per dollar spent on eligible grocery and restaurant purchases. Earn 5 points per dollar on the first $2,500 in gross monthly purchases charged to the account. Beyond that amount, eligible grocery and restaurant expenses earn 2 points per dollar spent. 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. Subscriptions to ready-to-cook services and meal delivery services are eligible. Excluded from this definition are retail stores and big-box stores whose main activity is the sale of non-food products. Some merchants may sell the same or similar products or services as eligible merchants, or are separate merchants located on the same premises as eligible merchants, but are classified by Mastercard in different categories. Purchases made at other merchants only qualify for basic rewards points. An in-restaurant purchase refers to a purchase made in a restaurant, including fast-food restaurants, bars, discotheques, nightclubs and taverns.
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. Some merchants may sell the same or similar products or services as eligible merchants, or are separate merchants located on the same premises as eligible merchants, but are classified by Mastercard in different categories. Purchases made at other merchants are eligible for basic rewards points only.
Recurring bill: Recurring bill payments are defined as payments made monthly or regularly that are automatically deducted by the merchant from your National Bank World Elite Mastercard. Not all merchants offer recurring bill payments, and not all recurring payments are considered recurring bill payments. As a result, some payments may not qualify for Accelerated Rewards 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 purchases: For example, if you spend $400 monthly on groceries, $200 on gas, $100 on recurring bills and $150 on other purchases, the $850 you spend will generate 2,750 points, broken down as follows: 2,000 points on groceries (since the total gross monthly amount is $850, or less than $2,500), 400 points on gas, 200 points on recurring bills and 150 points on 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.
Account in good standing” means a credit card account that does not contravene the Credit Card Agreement in any way and on which no restrictions apply.
For example, the annual fees related to the credit card must have been paid in full. The maximum reimbursement of $150 can be claimed from January 1 to December 31 of each year.
Eligible expenses include:
The claim must be submitted within 60 days of the purchase date and accompanied by proof of purchase. Travel expenses must be charged to the National Bank World Elite Mastercard credit card account. 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. You can apply online at rewards.nbc.ca or by calling 1-800-341-8083 (toll-free) and an agent will assist you with your travel claim.
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.
Statement of account: a statement of account 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 amount transferred cannot be less than $250.
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:
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
Account statement: A statement is sent monthly.
Balance transfer and cash advance are subject to credit approval by National Bank. Each balance transfer must be at least $250.
Cash back details
All eligible purchases earn 1% cash back as long as your account is in good standing. Your account is in good standing when you meet the obligations of your credit card agreement (e.g. make the minimum payment by the due date). The cashback will be paid as a credit applied to your account and cannot be paid in cash. An additional 0.5% cash back is awarded on the first $25,000 in eligible online, gas, and grocery purchases charged annually to your credit card account. The additional 0.5% cash back does not apply when the balance of eligible annual purchases exceeds $25,000. Beyond this amount, the cash back is 1% on all types of eligible purchases. For conditions and restrictions applying to cash back and for the detailed list of codes associated with participating merchants, consult the Accumulation Grid [PDF] and the Applicable Rules [PDF].
Card issued subject to National Bank credit approval. A 1% cash back is granted on restaurant purchases and recurring pre-authorized payments when settled by recurring automatic payments to your macrédit account. The 0.5% cash back applies to all other eligible purchases during a billing cycle. The account must be in good standing when the cash back is disbursed. Your account is in good standing when you meet the obligations of your credit card agreement (e.g., making the minimum payment by the due date). Eligible pre-authorized payments are defined as payments made regularly and automatically debited by a merchant from your credit card. Balance transfers, cash advances, and fees related to card usage are not included in the cash back calculation. To learn about the terms and restrictions applicable to cash back, consult the Cash Back Program [PDF].
Mobile device protection
Subject to purchase of device with card or telephony service subscription paid by recurring pre-authorized payments from your macro-credit account.
®MASTERCARD is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated. National Bank is an authorized user.
®NATIONAL BANK and the NATIONAL BANK logo are registered trademarks of National Bank of Canada.
TM mycredit is a trademark of National Bank of Canada.
The cashback is based on a point-accumulation system. You get 1 point for every $2 you spend using your Allure Mastercard® credit card, providing your account is in good standing. Once a year, in January, you will receive a $10 cashback for every 1,000 points earned. Your account is in good standing when you meet the obligations of your credit card agreement (for example, making the minimum payment by the due date). Interest charges, annual fees, balance transfers, cash advances, service charges, insurance premiums, Mastercard promotional cheques and refunded purchase amounts are not eligible for point accumulation. For full details, see the Applicable Rules [PDF].
Discount on gift cards
The 10% discount on gift cards applies to the total amount of the purchase on yourallure.ca. Gift cards are redeemable at participating Allure partners: Amerispa, Banana Republic, Gap, Old Navy and Winners/HomeSense/Marshalls. Choice of gift card amounts: $25, $50 or $100 (subject to partner availability). No discount will be given in store upon presentation of the Allure card. Gift cards cannot be replaced in the event of damage, loss or theft. The list of Allure partners is subject to change without notice. Gap, Old Navy and Banana Republic gift cards can be used at all Gap, Old Navy and Banana Republic stores in North America. Gift cards are redeemable for in-store merchandise only. For questions about Gap, Old Navy and Banana Republic gift cards, call 1 800 GAP-STYLE, 1 800 OLD-NAVY and 1 888 BR-STYLE respectively.
From October 1, 2025 to March 3, 2026
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.
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 sign up for the card on November 25, 2025, you have until November 25, 2026, 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 2027.
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.
Interest rates
“Base Rate” means the variable annual interest rate publicly announced by the Bank from time to time as the reference rate used to establish the interest rate on Canadian dollar demand loans made by the Bank in Canada.
The interest rate for the SYNCRO 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 SYNCRO card will not be less than 8.9% for purchases and 12.9% for balance transfers and cash advances.
Purchasing insurance
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.
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