Per dollar of purchases
There may be a daily maximum amount depending on the type of fees paid
Unlike the other two National Bank travel rewards cards, the National Bank Platinum Mastercard® does not require a minimum income.
With the National Bank Platinum Mastercard®, you can earn 2 points per dollar on grocery store and restaurant purchases, and 1.5 points per dollar on gas and electric vehicle charging, recurring bill payements and À la Carte Travel. And since it’s a National Bank Mastercard credit card, you can use it at Costco.
In addition, you get premium insurance usually dedicated 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®, this is a Mastercard credit card accessible to the broadest 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.
With the NBC rewards program, you can earn up to 2 points per dollar spent in specific categories. These points can then be redeemed in the NBC Rewards Shop.
NBC points can be used 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®, this is a Mastercard credit card accessible to the broadest 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’re looking for an even more generous cover, you could opt for the National Bank World Elite Mastercard®.
Browse insurance terms, conditions and restrictions 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 an excellent insurance policy for buying your NBC Platinum Card flights.
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 offer’s value 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.
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 1st, 2021
Balance transfer and cash advance are subject to credit approval by National Bank. Each balance transfer must be at least $250.
