Offer
By clicking on the Apply Now, you will be redirected directly to the National Bank credit card application form. Make sure you have the following information on hand: contact details, employment status, income and valid ID.
- Earn up to 5 points per dollar spent on eligible grocery and restaurant purchases.*
- Earn 2 points per dollar spent on eligible gas and electric recharging expenses, recurring bills and purchases made À la carteTM travel purchases.*
- Earn 1 point per dollar spent on other purchases.
- Up to a $150 refund per year on travel expenses, including seat selection, airport parking, baggage fees, access to airport lounges worldwide, and ticket upgrades.
- Your credit card gives you access to a multitude of rewards. Our clients can choose from several options to treat themselves with the points they’ve accumulated:
- Get your hands on new electronics, kitchen accessories, gift cards and more
- Use your points to make a payment on your credit card
- Contribute to your RRSP and TFSA
- Make a donation to a participating charity
- Plan your next vacation
- And more!
- Enjoy unlimited free access for you and a guest at lounge from the National Bank at Montreal-Trudeau airport, including drinks, snacks, Wi-Fi, and much more*.
- Enjoy up to 60 days of coverage with our travel, trip cancellation/interruption, baggage loss and car rental insurance.
- Out-of-province hospital medical insurance, departure flight delay insurance, baggage insurance in case of delay, baggage insurance in case of theft or loss, vehicle rental insurance.
Card Awards
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
The National Bank World Elite Mastercard is the best Mastercard credit card on NBC.
With this card, you earn up to 5 points per dollar on your purchases:
- 5 points per dollar for groceries and restaurants
- 2 points per dollar on gas and electric recharge purchases
- 2 points per dollar on recurring bills
- 2 points per dollar on À la carte Travel
- 1 point per dollar for all other purchases
And since it’s a Mastercard credit card, you can use it at Costco.
With this card, you have access to a $150 annual travel credit that you can use in any of these categories:
- Airport parking
- Baggage fees
- Seat selection
- Access to airport lounges
- Flight upgrades
What’s more, you can enjoy access to DragonPass airport lounges and unlimited access to the National Bank Lounge at Montreal-Trudeau.
Finally, Milesopedia voted National Bank World Elite Mastercard the Best Credit Card for Travel and the Best Credit Card for Insurance in 2023, 2024 and 2025 respectively.
Frequently Asked Questions
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How do I apply for a National Bank World Elite Mastercard?
To apply for the National Bank World Elite Mastercard, simply click on the Apply Now button. You will be redirected to the National Bank website, where you can securely apply for this credit card.
National Bank will then let you know if you are approved for that credit card. If you’re approved, you’ll receive your National Bank World Elite Mastercard in the mail.
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How many points can I earn for purchases made with the National Bank World Elite Mastercard?
With the National Bank World Elite Mastercard, you can earn up to 5 points per dollar spent.
With this National Bank credit card, you earn up to 5 points per dollar on your purchases:
- 5 points per dollar for groceries and restaurants
- 2 points per dollar on gas and electric recharge purchases
- 2 points per dollar on recurring bills
- 2 points per dollar on À la carte Travel
- 1 point per dollar for all other purchases
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How do I use the travel credit on my National Bank World Elite Mastercard?
With the National Bank World Elite Mastercard, you have access to a $150 annual travel credit that you can use in any of these categories:
- Airport parking
- Baggage fees
- Seat selection
- Access to airport lounges
- Flight upgrades
For example, you can use this National Bank National Bank’s World Elite Mastercard® credit for fees charged by an airline.
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What insurance coverage does the National Bank World Elite Mastercard offer?
With the National Bank World Elite Mastercard, you benefit from a wide range of insurance coverages:
- Out-of-province hospital insurance
- Trip cancellation (before departure)
- Trip interruption (after departure)
- Flight delay (more than 4 hours)
- Baggage delay (more than 6 hours)
- Lost or Stolen Baggage Insurance
- Vehicle rental insurance
- Insurance against theft or breakage (180 days)
- Mobile Device Insurance
- Possibility of tripling the manufacturer’s warranty
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Can I access an airport lounge free of charge with my National Bank World Elite Mastercard?
With the National Bank World Elite Mastercard®, you have free access to the National Bank Lounge at Montreal-Trudeau International Airport.
This benefit is available to the cardholder, one guest and up to 2 children under 12.
You can also access airport lounges that are members of the DragonPass program. However, you will have to pay a fee for each access to DragonPass airport lounges.
Here are the conditions to be aware of:
- Presentation of physical credit card and boarding pass is required for access to lounge.
- The time spent at lounge may not exceed three (3) hours.
- For National Bank customers who do not have free access to the Lounge, and for additional guests, admission is approximately $37 before tax per adult, $26 before tax per child, and free for children under 2. Admission rates are subject to change without notice and are the responsibility of the lounge operator.
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How can I use my National Bank World Elite Mastercard points?
There are many ways to use your National Bank World Elite Mastercard rewards points:
- À La Carte Travel
- Statement credit for travel purchases
- Statement credit for any purchase
- Contribute to an RRSP or TFSA
- Reimbursement of your all-in-one line of credit or mortgage loan
- Gift card
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Is the National Bank World Elite Mastercard the best National Bank credit card?
Yes, the National Bank World Elite Mastercard is the best credit card offered by National Bank.
The National Bank’s World Elite Mastercard® stands out thanks to:
- To the rate of reward accumulation
- Travel benefits
- Insurance coverage
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How does the National Bank World Elite Mastercard® compare with other credit cards?
On Milesopedia, you can easily compare credit cards. You can therefore add the National Bank World Elite Mastercard® to the credit card comparator and compare it with other credit cards.
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Is the National Bank World Elite Mastercard accepted at Costco?
Yes, National Bank’s World Elite Mastercard® is accepted at Costco.
Alternative Cards
Legal
*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:
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- airport parking
- baggage fees
- seat selection fees
- access to airport lounges worldwide
- airline ticket upgrades
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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
| Annual interest rate | Average balance | |
| $500 | $3,000 | |
| 22.49% (regular card) | $9.24 | $55.45 |
| 20.99% (regular card) | $8.63 | $51.76 |
| 12.95% (Syncro card) | $5.32 | $31.93 |
| 8.95% (Syncro card) | $3.68 | $22.07 |
*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.