The NBC Plan À la carte rewards program lets you earn points and redeem them for travel, gift cards and more.
Type
Bank
Category
Travel points
Program currency
points
Point value
CAD0.9¢
Overview
Earn points
To earn points in the NBC À la carte Rewards Plan, you need a credit card that is part of the loyalty program. There are 3 Mastercard credit cards available through the NBC À la carte Rewards Plan.
NBC Rewards points are earned differently depending on the credit card used:
Carte Mastercardᴹᴰ World Eliteᴹᴰ de la Banque Nationale
With Milesopedia, take advantage of an exclusive offer: your first-year annual fees are refunded with the National Bank World Elite Mastercard. This offer is exclusively available on the Milesopedia network, from June 30 to November 4, 2026.
Refund of the first-year annual fee (a $150 value) for the primary cardholder. This fee is charged to your new card account, then refunded as a credit on your statement within five months of opening your account, provided it remains open and in good standing.
$150ⓘMilesopedia first-year estimateFirst-year valueAnnual fee rebated$150Total$150Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
Milesopedia first-year estimateⓘFirst-year valueAnnual fee rebated$150Total$150Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
With Milesopedia, take advantage of an exclusive offer: your first-year annual fees are refunded with the National Bank World Elite Mastercard. This offer is exclusively available on the Milesopedia network, from June 30 to November 4, 2026.
Refund of the first-year annual fee (a $150 value) for the primary cardholder. This fee is charged to your new card account, then refunded as a credit on your statement within five months of opening your account, provided it remains open and in good standing.
The National Bank World Elite Mastercard is the best Mastercard credit card offered by 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 an NBC mycredit Mastercard, 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
Airline ticket 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 has named the National Bank World Elite Mastercard as the Best Travel Credit Card in 2023, 2024, 2025, and 2026.
Legal
® Mastercard and World Elite are registered trademarks, and the circles design is a trademark of Mastercard International Incorporated. National Bank is an authorized user.
® The À LA CARTE REWARDS logo is a registered trademark of National Bank of Canada.
® NATIONAL BANK OF CANADA LOUNGE is a registered trademark of National Bank of Canada.
® À LA CARTE REWARDS PLAN is a registered trademark of National Bank of Canada.
® Apple Pay is a registered trademark of Apple Inc., registered in the U.S. and other countries. Apple Inc. is not a sponsor of or participant in National Bank Mobile Banking Solutions.
® Google Pay is a registered trademark of Google LLC. Use of this trademark is subject to Google Inc. Permissions.
TM À LA CARTE TRAVEL is a trademark of National Bank of Canada. The À la carte Travel agency is owned by Transat Distribution Canada Inc. and holds a Quebec permit (No. 753141).
TM À LA CARTE REWARDS is a trademark of National Bank of Canada.
® THE TOTAL, THE CONNECTED and NATIONAL BANK are registered trademarks of National Bank of Canada.
* Mastercard® World Elite®
The National Bank® World Elite® Mastercard® credit card was voted best Mastercard credit card by Milesopedia in 2026, 2025 and 2024.
The National Bank® World Elite® Mastercard® credit card was voted best travel credit card by Milesopedia in 2026, 2025 and 2024.
Every year, Milesopedia reviews credit card offers from major financial institutions and establishes its Ranking based on over 150 criteria such as fees, welcome offer, minimum income required, number of points per category, account credits, insurance, airport lounge access, etc.
Certain restrictions apply. For more information, see the Rewards Plan section or the Plan Rules applicable to point accumulation.
Grace period: No interest is charged on purchases made during the month if the cardholder pays the full balance of their account within twenty-one (21) days of the statement date. This grace period does not apply to cash advances and balance transfers. Minimum payment: if your account balance is less than $10, you must pay the balance in full. If you reside in the province of Quebec, your minimum payment is 5% of your account balance plus any overdue amount, or $10, whichever is greater. If you reside outside Quebec, your minimum payment is 2.5% of the credit card account balance plus any overdue amount, or $10, whichever is greater. Account statement: an account statement is sent monthly.
Table of examples of credit fees calculated over a 30-day period
Annual interest rate
$500
$3,000
22.49%
$9.24
$55.45
20.99%
$8.63
$51.76
13.2%
$5.53
$33.16
9.2%
$3.78
$22.68
*Variable interest rate in effect as of September 1, 2021.
Balance transfers and cash advances are subject to National Bank credit approval. Each amount transferred cannot be less than $250.
Exclusive to World Elite Mastercard cardholders. Presentation of the physical credit card and boarding pass is required to access the lounge. The National Bank® Lounge is accessible to customers traveling on international flights only (excluding flights to Canada and the United States). You benefit from free and unlimited access with one guest and two children aged 12 and under. Until July 31, 2026 (date subject to change), customers can enter the National Bank Lounge three hours before their flight departure time. From August 1, 2026 (date subject to change), access will be authorized for a maximum duration of 2 hours (3 hours for customers who hold a Private Banking 1859® World Elite® Mastercard® credit card). National Bank customers who are not World Elite ® Mastercard ® cardholders can also access the current lounge based on current rates and benefit from a 25 % discount on these rates : 63,24 $ taxes included for adults (excluding discount) $40.24 taxes included for children aged 2 to 12 (excluding discount) free for children under 2 (excluding discount) The entry fee is subject to change without notice and is the responsibility of the lounge operator.
Subject to providing the required supporting documents in the manner and within the prescribed timeframe. Certain conditions may apply. Only the primary cardholder of a National Bank World Elite Mastercard (Cardholder) whose account is in good standing can request a « Travel Fee Reimbursement ». « Account in good standing » means an account linked to the credit card that does not violate the Credit Card Agreement in any way and on which no restrictions apply. For example, and without limitation, the associated annual fees must have been paid in full. The maximum reimbursement of $150 can be requested from January 1 to December 31 of each year. Eligible expenses are: airport parking baggage fees seat selection airport lounge access worldwide airline ticket upgrades A reimbursement request must be made within 60 days of the purchase date. Travel expenses must be charged to the National Bank World Elite Mastercard credit card account. The maximum reimbursement of $150 is applicable per account. Please allow up to 7 business days for the reimbursement to be processed from the date your request is submitted. 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 you made your reimbursement request. An unused reimbursement in one year cannot be carried over to the next year. You can make your request online at rewards.nbc.ca or by calling 1-800-341-8083 (toll-free) for an agent to assist you with your travel fee reimbursement request.
Point accumulation on grocery and restaurant spending depends on the total gross monthly amount charged to the credit card account, across all categories. Earn 5 points per dollar spent on eligible grocery and restaurant purchases. The 5 points per dollar accumulation is valid for the first $2,500 of gross monthly purchases charged to the account. Beyond this amount, eligible grocery and restaurant spending will earn 2 points per dollar. The calculation of the gross monthly purchase amount is based on monthly billing. A grocery purchase means a purchase made at a merchant whose primary business is selling food, such as a grocery store, delicatessen, supermarket, fruit store, or specialty food store. Meal kit subscriptions and meal delivery services are eligible. Therefore, this definition excludes, among others, retail stores and big-box stores whose primary business is selling non-food items. Some merchants may sell products or services identical or similar to those of eligible merchants, or are separate merchants located on the same premises as eligible merchants, but are classified by Mastercard in different categories. Purchases made from other merchants only earn base reward points. A restaurant purchase means a purchase made at a restaurant, including quick-service restaurants, bars, discotheques, nightclubs, and taverns. To view the full list of Mastercard codes associated with eligible merchants, download the À la carte Rewards Plan® terms and conditions document.
These protections apply if the purchases or rental are paid for in part with the card before departure, except, if applicable, for out-of-province medical-hospital insurance for which it is not necessary to charge the purchase of an à la carte trip and for baggage delay protection where the full cost of transport must have been charged to the card. All these protections apply to the primary cardholder, their spouse and/or their dependent children when they (spouse and dependent children) travel with the cardholder. Extended warranties apply to most new items purchased with the card, in Canada or abroad, provided the manufacturer’s warranty exists and is valid in Canada. Certain conditions, limitations and restrictions apply. For more information and details regarding your insurance coverage, please consult the insurance certificate linked to your card.
Subject to credit approval by National Bank.
Certain conditions apply. Visit mastercard.ca for more information. See all credit card terms and conditions.
To earn 2 points per dollar spent, you must pay for your gas or electric charging purchases at a gas station or certain big-box stores. Some merchants may sell products or services identical or similar to those of eligible merchants, or are separate merchants located on the same premises as eligible merchants, but are classified by Mastercard in different categories. Purchases made from other merchants only earn base reward points. To view the full list of Mastercard codes associated with eligible merchants, download the À la carte Rewards Plan® terms and conditions document.
Recurring bill payments are defined as payments made monthly or regularly that are automatically charged by the merchant to your National Bank World Elite Mastercard. Not all merchants offer recurring payments, and not all recurring payments are considered recurring bill payments. Therefore, some payments may not qualify for accelerated reward points.
To earn 2 points per dollar spent, you must pay for your eligible purchases through the À la carte TravelTM agency section of our À la carte RewardsTM site.
For example, if you spend $400 monthly on groceries, $200 on gas, $100 on recurring bills and $150 on other purchases, the $850 spent will generate 2,750 points, broken down as follows: 2,000 points for grocery spending (since the total gross monthly amount is $850, which is less than $2,500), 400 points for gas spending, 200 points for recurring bills and 150 points for other purchases.
Insurance up to $1,000 in case of breakage, loss or theft of mobile devices for a maximum period of 2 years following the date of purchase. Subject to purchasing the device with the National Bank World Elite Mastercard or a phone service subscription paid by recurring payments from your National Bank Platinum Mastercard starting September 1, 2022. For all conditions, please consult the insurance certificate linked to your card.
Annual fee
Primary card$150
Additional card$50
Annual income required
Individual$80,000
Household$150,000
Conversion fees
2.5%
Earning rate
5xRestaurants
5xGroceries
2xTravel
2xBills & recurring payments
2xGas & EV
1xAll spending
Value
1st Year Value$778
2nd Year Value$923
Card benefits
Airport lounge access$400
Travel creditsIncluded
Travel insurance
Travel medical (under 55)Up to $5,000,000 / 60 days
Travel medical (55-64)Up to $5,000,000 / 31 days
Travel medical (65+)Up to $5,000,000 / 15 days
Trip CancellationUp to $2,500
Trip InterruptionUp to $5,000
Delayed BaggageUp to $500
Lost BaggageUp to $1,000
Flight DelayUp to $500
Travel AccidentIncluded
Purchase protection
Purchase ProtectionIncluded
Extended Warranty+2 years
Mobile DeviceUp to $1,000 / 2 years
Auto Rental CollisionUp to $65,000 / 48 days
Carte Mastercardᴹᴰ Platine de la Banque Nationale
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.
You can book your vacation with your points (plus monetary supplement if required) through the À la carte Travel Agency: 10,000 points for every $100.
It’s simply the best use of your NBC Rewards points!
Credit on Account
It’s also possible to redeem your NBC points as a statement credit for any travel expenses you’ve charged to your credit card (redemption must be made within 60 days of the expense being charged to the credit card account).
However, for this type of redemption, the rate is different (see table below).
You can also redeem your points for a product in the À La Carte Rewards catalogue.
NBC Rewards Chart
You’ll see from this chart that the best use of NBC Rewards points is to book your trip with NBC’s À la carte Travel online travel agency: you get $100 for 10,000 points.
Rewards
Points for $100
Exchange with the dedicated NBC à la carte travel agency
Extras À La Carte
RRSP or TFSA contribution
Reimbursement of your all-in-one line of credit or mortgage loan
12 000
Gift-card
12,000 – 13,500
Credit on Account (travel purchases)
12 000
Benefits
$150 in free travel expenses per year
Through NBC’s Travellers program, every calendar year, National Bank World Elite Mastercard® cardholders have access to a total of $150 applicable to certain travel-related expenses.
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
Access to the National Bank Lounge at Montreal-Trudeau (YUL)
Frequently Asked Questions about the National Bank À la carte Rewards program
National Bank’s À la carte Rewards program is a flexible in-house rewards system that lets cardholders earn points on Mastercard credit cards and redeem them against virtually any purchase. Here are the most common questions Canadians ask when trying to make the most of the program.
How much is a National Bank À la carte point worth?
The value of an À la carte point depends on how you redeem. The strongest option is the À la carte travel agency, where 10,000 points equal $100 — 1¢ per point. A statement credit on a travel purchase made in the past 60 days runs slightly lower, at about 0.83¢ per point (12,000 points for $100). Gift cards, RRSP/TFSA contributions and mortgage payments clear close to the 100-points-for-$1 rate as well. Milesopedia values an À la carte point at about 0.85¢ on average, which makes the program one of the easiest in-house systems to assess since the spread between redemption types stays fairly narrow.
Which credit cards earn À la carte points?
Three National Bank Mastercard credit cards feed the À la carte program. The National Bank World Elite Mastercard® earns up to 5 points per dollar on groceries and restaurants, 2 points per dollar on gas, EV charging, travel and recurring bills, and 1 point per dollar everywhere else. The National Bank Platinum Mastercard® earns 2 points per dollar on groceries and dining and 1.5 points per dollar on other bonus categories. The National Bank World Mastercard® rounds out the lineup with up to 2 points per dollar on targeted spend categories, and a lower minimum income requirement.
How does the World Elite $150 travel credit work?
The National Bank World Elite Mastercard® grants an annual $150 travel credit that automatically applies to incidental travel charges: airport parking, baggage fees, seat selection, lounge access, in-flight meals, on-board purchases, upgrades, and more. The credit shows up as a statement reimbursement once an eligible transaction posts. Combined with unlimited cardholder access (plus one guest) to the National Bank Lounge at Montréal-Trudeau Airport, the credit makes the World Elite one of the strongest travel cards in Quebec for frequent flyers, and easily offsets the annual fee for anyone taking more than two or three flights a year.
Can I transfer À la carte points to Aeroplan or another program?
No. À la carte points cannot be transferred to Aeroplan, Avios, Flying Blue or any other airline or hotel loyalty program. Points stay inside the National Bank ecosystem and can only be redeemed through the À la carte travel agency, statement credits, gift cards, RRSP/TFSA contributions, mortgage payments or catalogue merchandise. If you want flexibility to move points across airline partners, look at the American Express Cobalt® Card or an Aeroplan co-brand such as the CIBC® Aeroplan® Visa Infinite Privilege* Card, both of which grant access to 25+ Star Alliance partners through transfer or direct earn.
What is the best way to redeem À la carte points?
The strongest redemption is travel: book through the À la carte agency for the full 1¢ per point. A statement credit on travel purchases made within the past 60 days is a solid runner-up at about 0.83¢ per point. Skip the merchandise catalogue, which usually falls below 0.80¢ per point. RRSP/TFSA contributions and mortgage payments also clear at 1¢ per point and make sense for cardholders who do not travel enough to drain their balance organically. With a World Elite card, earning 30,000 to 50,000 points a year is realistic, which translates into $300 to $500 in annual rebates — enough to fully recoup the card’s annual fee in most cases.
Do À la carte points expire?
À la carte points do not expire as long as your National Bank Mastercard credit card account stays open and in good standing. However, if you close your card without transferring the balance to another eligible National Bank product, your points will be forfeited. Before cancelling, redeem your points for a statement credit or a travel booking to make sure none go to waste. If you upgrade or downgrade within the National Bank lineup (for example, from Platinum to World Elite), your point balance typically transfers automatically, so there’s no risk of losing rewards during a card change.
Jean-Maximilien Voisine is the President and Founder of Milesopedia, and one of the most recognised experts on rewards programs, credit cards and travel in Canada, France and the United States. A father of two, he has explored more than 100 countries, half of them as a family with his partner Audrey. A specialist in loyalty programs such as Aeroplan, American Express Membership Rewards and Marriott Bonvoy, Jean-Maximilien helps travellers maximise their benefits and turn their points into memorable experiences. His mission: to let everyone travel better and smarter across North America and Europe.
