Loyalty Program: NBC Rewards

CONDITIONS – PLATINIUM CARD PROMOTIONAL OFFER

Length of the welcome promotion

From December 2, 2025 to February 2, 2026.

Eligibility Requirements

• Sign up for a National Bank® Platinum Mastercard® credit card during the promotion as a primary cardholder.
• Have not held a personal National Bank Mastercard credit card as a primary cardholder during the past 24 months.
• Keep the credit card account open until the rewards points are paid.
• Keep the account in good standing while complying with the conditions in the Credit Card Agreement, until the rewards points are paid. For example, all minimum payments must be made on time. For example, all minimum payments must be made on time.
• Not be employed by National Bank or one of its subsidiaries.

Promotion Description

Up to 25,000 rewards points upon enrolment and the first year’s annual fee refunded for the primary cardholder and the first additional authorized user.

Annual Fee

No annual fees for the first year for the primary cardholder and the first additional authorized user.

We will charge the annual fee to your new card account and refund the fee to you. You will receive this refund within five months of opening your account, provided your account is still open and in good standing. It will appear on your statement as a credit.

To benefit from the annual fee discount for the first additional authorized user’s card, you must add it to the account opening request.

Annual fees related to other authorized users’ cards are not eligible for this promotion.

Reward points

* To apply for enrolment in payment insurance, you must complete the sections to apply for the Credit Card Payment Protection Plan (CCPPP) included on 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 for the card on December 15, you have until February 15 to make the required purchases to receive the points which will be credited to your account by the end of June 2025.

How Purchases Are Calculated

The calculation is for the total amount of purchases made through all cards linked to the account.
The transactions not included in the calculation are set out in article 1.5 of the À la carte Rewards PlanTM.

Other Conditions

• You can only benefit from the promotion once.
• The card is subject to the Bank’s credit approval. Other conditions apply to the issuance of the card.
• This promotion may not be combined with any other promotion or offer applicable to National Bank credit cards, nor is it retroactive.
• This promotion may be changed or withdrawn without notice.

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

^*Variable interest rate in effect on September 1, 2021.

Balance transfer and cash advance are subject to credit approval by National Bank. Each balance transfer must be at least $250.

*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:

• • • airport parking
    • baggage fees
    • seat selection fees
    • access to airport lounges worldwide
    • airline ticket upgrades

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

^*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.