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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®.
Per dollar of purchases
This section sets out the maximum coverage amounts or periods. Please review your insurance certificate for details, exclusions and limitations of your coverage, terms and conditions apply.
With the National Bank Platinum Mastercard®, you can earn 2 points per dollar on grocery and restaurant purchases, and 1.5 points per dollar on gas, EV charging, recurring bills and À la carte Travel.
Since it is an NBC mycredit Mastercard, you can use it at Costco.
Unlike the other two National Bank travel rewards cards, the National Bank Platinum Mastercard® does not require a minimum income.
What’s more, you can take advantage of a wide range of insurances usually reserved 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, it’s a Mastercard credit card accessible to the widest 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.
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:
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, it’s a Mastercard credit card accessible to the widest 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 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.
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 a great insurance policy to have if you buy airline tickets with your NBC Platinum Card.
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 value of the offer 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.
PLATINUM CARD PROMOTIONAL OFFER Q3-Q4 2026-AGGREGATOR
Length of the welcome promotion From June 30, 2026 to November 4, 2026.
Eligibility conditions
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
* 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
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
Balance transfer and cash advance are subject to credit approval by National Bank. Each balance transfer must be at least $250.
Savings this way:
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