Offer
- Earn up to 2 points per dollar spent on certain purchase categories*.
- Reassuring protection. Travel with peace of mind thanks to our comprehensive insurance coverage up to 10 days
- Out-of-province-of-residence medical/hospital insurance, Departure flight delay insurance, Baggage insurance in case of delay, Baggages insurance in case of theft or loss, Vehicule rental insurance
- Trip Cancellation and Trip Interruption Insurance
- Flight and baggage delay insurance
- Car rental insurance
- Purchase insurance against theft or damage
- Extended warranty
- Mobile devices insurance against theft or damages for a period of up to 2 years
Fees & Conditions
Value
Advantages
Earnings
Per dollar of purchases
Insurance
Travel Insurance
There may be a daily maximum amount depending on the type of fees paid
Other Insurance
Our review
Unlike the other two National Bank travel rewards cards, the National Bank Platinum Mastercard does not require a minimum income.
You can earn 2 points per dollar on grocery store and restaurant purchases, and 1.5 points per dollar on gas, electric vehicle recharges, recurring bills 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:
- 180-day Purchase protection in the event of theft or damage
- Possibility of tripling the manufacturer’s warranty (up to 2 additional years)
- Trip Cancellation Insurance
- Trip Interruption Insurance
- Out-of-province hospital insurance
- Flight Delay Insurance
- Baggage insurance in case of delay, theft or loss
- Car rental insurance
- Mobile Device Insurance
Alternative Cards
Legal
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
Annual interest rate | Average balance | |
$500 | $3,000 | |
22,49 % | $9.24 | $55.45 |
20,99 % | $8.63 | $51.76 |
12,9 % | $5.30 | $31.81 |
8,9 % | $3.66 | $21.95 |
*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.