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Pros & Cons
Pros
- +First Year Annual Fee Rebate ($70 annual fee rebated)
- +Welcome Bonus: 40,000 points
- +Purchase protection included
Cons
- –Foreign Transaction Fee (2.5%)
Our Review
The National Bank Platinum Mastercard® lets you earn up to 40,000 reward points, plus a refund of the $70 annual fee for the first year for the primary cardholder:
- 10,000 points when you sign up for credit card payment insurance and keep it for at least the first 3 months
- 15,000 points after $2,500 in purchases within the first 3 months
- 15,000 points after $10,000 in purchases within the first 12 months
You have until November 4, 2026 to apply.
After that, you earn:
- 2 points per dollar on grocery and restaurant purchases
- 1.5 points per dollar on gas, EV charging, recurring bills and travel booked through the À la carte agency
Since it is a Mastercard, you can use it at Costco. Unlike the other two National Bank travel rewards cards, it does not require a minimum income.
The card includes mobile device insurance, an extended warranty on your purchases, and comprehensive travel insurance for trips of 10 days or less, with emergency medical coverage plus trip cancellation and interruption.
The annual fee is $70, plus $35 per additional card. The annual interest rate is 20.99% on purchases and 22.49% on cash advances.
Awards won by the National Bank Platinum Mastercard®
Rewards
All Spending
0.67x
NBC Rewards pts per dollar
Groceries
2x
NBC Rewards pts per dollar
Restaurants
2x
NBC Rewards pts per dollar
Recurring
1.5x
NBC Rewards pts per dollar
Gas
1.5x
NBC Rewards pts per dollar
Travel
1.5x
NBC Rewards pts per dollar
Credit Card Rewards Calculator
See how much you could earn with this card based on your spending.
Points Earned
42,036
NBC Rewards/yr
Estimated Value
$378
After Fees
+$378
1st Year Value
$738
incl. welcome bonus
Annual rewards breakdown
- Earn 10,000 NBC Rewards
- Earn 15,000 NBC Rewards after $2,500 in purchases within the first 3 months
- Earn 15,000 NBC Rewards after $10,000 in purchases within the first 12 months
First-year advantages
- $70
Travel Insurance
Travel medical (under 55)
Up to $5,000,000 / 10 days
Travel medical (55-64)
Up to $5,000,000 / 10 days
Travel medical (65+)
Up to $5,000,000 / 10 days
Trip Cancellation
Up to $1,000
Trip Interruption
Up to $1,500
Delayed Baggage
Up to $500
Lost Baggage
Up to $1,000
Flight Delay
Up to $500
Purchase Protection
Purchase Protection
Included
Extended Warranty
+2 year(s)
Mobile Device
Up to $1,000 / 2 year(s)
Auto Rental (primary)
Up to $65,000 / 48 days
Fees and interest rates
- Annual Fee$70
First Year Annual Fee Rebate
- Additional card fee$35
First Year Annual Fee Rebate
- Foreign currency conversion fee2.5%
- Purchase Rate20.99%
- Balance transfer rate22.49%
- Cash advance rate22.49%
Terms & Conditions
Card Features
Earn up to 40,000 reward points upon enrollment, and the annual fee will be refunded for the first year for the primary cardholder of a National Bank® Platinum Mastercard®.
- 10,000 reward points when you sign up for credit card payment insurance* for at least the first 3 months
- 15,000 reward points when you make $2,500 in purchases within the first 3 months**
- 15,000 reward points when you make $10,000 in purchases within the first 12 months**
- The $70 annual fee will be refunded for the first year for the primary cardholder
Card benefits
- Mobile device insurance
- Coverage for accidental damage, loss, or theft of mobile devices
- Extended warranty coverage on purchases
- Extended manufacturer’s warranty on purchases
- Comprehensive travel insurance for trips of 10 days or less
- Emergency medical and hospital insurance outside your province of residence
- Trip cancellation and trip interruption insurance
- Lost or stolen baggage insurance
- Car rental insurance
- Medical, general, and legal assistance
- Enhanced security with Mastercard® ID Check™
- Discounts on monthly fees for The Total and The Connected banking packages
- Redeem points through the travel agency of your choice
- Up to 2 points per dollar spent*
Legal
PLATINUM CARD PROMOTIONAL OFFER Q3-Q4 2026-AGGREGATOR
Length of the welcome promotion
From June 30, 2026 to November 4, 2026.
Eligibility conditions
- Sign up for a National Bank® Platinum Mastercard® credit card as a primary cardholder during the promotion period.
- Have not held any National Bank personal Mastercard credit card as a primary cardholder during the past 12 months.
- Keep the credit card account open and in good standing, in compliance with the Credit Card Agreement, until the annual fee refund and reward points are credited. For example, all minimum payments must be made on time.
- Not be employed by National Bank of Canada or an entity in its group.
Description of the promotion
Up to 40,000 reward points upon enrollment, and a refund of the annual fee for the first year for the primary cardholder of a National Bank® Platinum Mastercard®.
Annual fees
The $70 annual fee for the primary cardholder will be refunded for the first year.
We will charge the annual fee to your new card account and then refund it. You will receive this refund within five months of opening your account, provided that your account remains open and in good standing. The refund will appear on your statement as a credit.
Annual fees related to authorized users’ cards are not eligible for this promotion.
Reward points
| Points offered | Conditions | When points are awarded |
|---|---|---|
| 10,000 | Enrollment in credit card payment insurance* for at least the first three months | Within two months following the minimum enrollment period |
| 15,000 | $2,500 in purchases within the first three months** | By the end of the 6th month following enrollment** |
| 15,000 | $10,000 in purchases within the first 12 months** | By the end of the 15th month following enrollment** |
* To apply for payment insurance, you must complete the sections related to the Credit Card Payment Protection Plan (CCPPP) included in 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 on July 15, 2026, you have until October 15, 2026 to make the required $2,500 in purchases, and the 15000 points will be credited to your account by the end of January 2027.
How total purchases are calculated
The calculation is based on the total amount of purchases made using all cards linked to the account. Transactions not included in the calculation are set out in article 1.5 of the À la carte Rewards Plan™.
Other conditions
- This promotion may only be used once per person.
- Issuance of the card is subject to National Bank of Canada’s credit approval. Other conditions apply to the issuance of the card.
- Unless otherwise indicated, this promotion cannot be combined with any other National Bank credit card promotion and is not 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 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
| Annual interest rate | Average balance | |
| $500 | $3,000 | |
| 22.49% (regular card) | $9.24 | $55.45 |
| 20.99% (regular card) | $8.63 | $51.76 |
| 13.2% (Syncro card) | $5.53 | $33.16 |
| 9.2% (Syncro card) | $3.78 | $22.68 |
Balance transfer and cash advance are subject to credit approval by National Bank. Each balance transfer must be at least $250.
Related Cards
FAQ
Does the National Bank Platinum Mastercard® require a minimum income?
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.
What are the advantages of the National Bank Platinum Mastercard® (NBC Platinum Card)?
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.
What are the annual fees associated with this National Bank Platinum Mastercard® (Platinum Card NBC)?
The annual fee for the National Bank Platinum Mastercard® is $70. Additional cards cost $35 each.
How does the NBC rewards program work?
The NBC rewards program allows you to earn up to 2 points per dollar spent in certain categories. These points can then be redeemed in the NBC rewards shop.
You can use NBC points for:
- Gift cards
- Travel (flights, hotels, cruises, etc.)
Are there any fees for cash advances?
Yes, cash advances are subject to an interest rate of 22.49%.
What is the interest rate for purchases and balance transfers?
The interest rate for purchases is 20.99% and for balance transfers it is also 22.49%.
What are the credit approval requirements for the National Bank Platinum Mastercard® (NBC Platinum Card)?
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.
Are there any foreign currency conversion fees?
Yes, the foreign currency conversion fee is 2.5% with the National Bank Platinum Mastercard®.
What is the maximum coverage period for mobile device insurance?
Mobile device insurance is valid for up to 2 years. This is an essential insurance policy to complement the manufacturer’s warranty.
Are there any restrictions on the purchase categories for earning points?
Points are earned on specific categories of eligible purchases, according to the terms and conditions of the National Bank Platinum Mastercard® Rewards Plan.
What is the minimum monthly payment required for the National Bank Platinum Mastercard® (Platinum Card NBC)?
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.
What insurance is included with the National Bank Platinum Mastercard® (Platinum Card NBC)?
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.
How does National Bank Platinum Mastercard® (Platinum Card NBC) Purchase Security and Extended Warranty Insurance work?
The National Bank Platinum Mastercard® offers purchase insurance against theft or damage and an extended warranty on products purchased.
Consult the terms, conditions and restrictions relating to insurance directly in the booklet supplied with your card.
How does car rental insurance work?
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.
Consult the terms, conditions and restrictions relating to insurance directly in the booklet supplied with your card.
How does National Bank Platinum Mastercard® (Platinum Card NBC) flight delay insurance work?
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.
How does lost luggage insurance work?
Baggage loss insurance covers you in the event of loss or theft of your baggage while travelling.
How does hotel burglary insurance work?
This insurance covers you in the event of a burglary in your hotel room during your stay.
Are there any welcome bonuses for new cardholders?
The National Bank Platinum Mastercard® offers promotions and welcome bonuses that vary according to the terms and conditions of the current promotion.
What is the value of the offer for new cardholders?
The value of the offer for new National Bank Platinum Mastercard® cardholders depends on current promotions and may vary.
How are points per dollar of purchase calculated?
Earn up to 2 points per dollar spent on eligible purchases made with the National Bank Platinum Mastercard®.
Are there fees for additional cards?
Yes, the first additional card costs $35, and subsequent other additional cards are also $35 each.
Conditions apply. All information is believed accurate but not guaranteed. Card details, rewards, and offers are subject to change at any time. Always verify the latest terms on the issuer’s website before applying. Milesopedia may receive compensation through affiliate links. This does not affect our editorial choices or card rankings. © 2026 Banque Nationale. All trademarks are property of their respective owners.