Loyalty Program: NBC Rewards

^®Mastercard et World Elite are registered trademarks, and the circles design is a trademark of Mastercard International Incorporated. Authorized user: National Bank.

^® The À LA CARTE REWARDS logo 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 trademark of Apple Inc., registered in the U.S. and other countries and regions. Apple Inc. is not a sponsor of or participant in National Bank Mobile Banking Solutions.

^® Google Pay is a trademark of Google LLC and this content is not endorsed by or affiliated with Google in any way.

^TM À LA CARTE TRAVEL is a trademark of National Bank of Canada. À la carte Travel is owned by Transat Distribution Canada Inc., holder of permit No. 753141 in Quebec.

^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.

* World Elite^® Mastercard^®

National Bank^® of Canada World Elite^® Mastercard^® credit card was named the best Mastercard credit card by Milesopedia in 2026, 2025 and 2024.

National Bank^® of Canada World Elite^® Mastercard^® credit card was named the best travel credit card by Milesopedia in 2026, 2025 and 2024.

Each year, Milesopedia examines the credit card offers of the largest financial institutions and establishes its ranking according to more than 150 criteria such as fees, welcome offers, minimum income required, number of points per category, account credits, insurance, airport lounge access, etc.

1. Certain restrictions apply. For more information, consult the Rewards plan section or the Plan rules regarding how to earn points.
2. 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	$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 on September 1, 2021.

3. Balance transfer and cash advance are subject to credit approval by National Bank. Each balance transfer must be at least $250.
4. Exclusively available to World Elite Mastercard cardholders. Guests must present their physical credit card and boarding pass to access the National Bank Lounge^TM.
   The Lounge is only available to clients travelling to international destinations, excluding Canada and U.S. flights.
   Cardholders benefit from free and unlimited access with a guest and two children aged 12 or under.
   Until July 31, 2026 (date is subject to change), guests can spend a maximum of three (3) hours in the Lounge. As of August 1, 2026 (date is subject to change), due to the renovations, guests can spend a maximum of two (2) hours in the temporary lounge. Private Banking 1859^® World Elite^® Mastercard^® credit cardholders can spend a maximum of three (3) hours in the temporary lounge.
   National Bank clients who are not World Elite^® Mastercard^® cardholders can also access the current lounge while enjoying 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 years old (excluding discount)
   The entrance fee is subject to change without notice and is the responsibility of the lounge operator.
5. 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. An account in good standing refers to an account linked to a credit card which complies with the Agreement governing the use of the credit card and which is not subject to any restrictions. For example, the annual fees related to the credit card must have been paid in full. The maximum amount that can be submitted for reimbursement between January 1 and December 31 of each year is $150.
   Eligible expenses include:
   airport parking fees
   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. The travel fees must be charged to the National Bank World Elite Mastercard credit card. 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. An amount not claimed in a year cannot be carried over to the following year. For more information or to obtain the refund form, sign in to rewards.nbc.ca, click the Refund of travel expenses tab and complete the form, you can also contact us at 1-888-296-8881 (toll-free).
6. The amount of points earned on grocery and restaurant purchases depends on the total gross monthly amount charged to the credit card account, regardless of the purchase category. You will earn 5 points for every dollar in eligible grocery and restaurant purchases until a total of $2,500 in gross monthly purchases is charged to the account. After that, you will earn 2 points per dollar in eligible grocery and restaurant purchases. 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. Ready-to-eat meal services and meal delivery services are eligible. This definition excludes purchases made at retail stores and big box stores whose core business is the sale of non-food items. Certain merchants may sell products and services that appear identical or similar to those sold by eligible merchants, or may be separate merchants located on the same premises as eligible merchants, but are classified in different categories by Mastercard. For purchases at other merchants, you will only earn regular rewards points. Restaurant purchases include purchases at a restaurant, fast food restaurant, bar, nightclub or pub. For a full list of Mastercard codes associated with eligible merchants, download the terms and conditions of the À la carte Rewards Plan^®.
7. This coverage applies to purchases and rentals charged in part to the card, except out-of-province medical/hospital insurance for which the travel arrangements need not be charged to the card and lost or delayed luggage insurance where all transportation costs must be charged to the card. This coverage applies to the primary cardholder, their spouse and/or dependent children when they (spouse and/or dependent children) travel with the primary cardholder. Extended warranty coverage applies to most new items purchased with the card, in Canada or abroad, as long as the manufacturer’s warranty is valid in Canada. Certain conditions and restrictions apply. For more information and for details of your insurance coverage, please consult the insurance certificate associated with your card.
8. Subject to credit approval by National Bank.
9. Certain conditions apply. Visit mastercard.ca for more information. Refer to the credit card terms and conditions.
10. 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. Certain merchants may sell products and services that appear identical or similar to those sold by eligible merchants, or may be separate merchants located on the same premises as eligible merchants, but are classified in different categories by Mastercard. For purchases at other merchants, you will only earn regular rewards points. For a full list of Mastercard codes associated with eligible merchants, download the terms and conditions of the À la carte Rewards Plan^®.
11. Recurring bill payments are defined as monthly or regular payments automatically charged by a merchant to your National Bank World Elite Mastercard credit card. Not all merchants offer recurring bill payments, and not all recurring payments are considered recurring bill payments. Certain payments therefore may not entitle you to earn more points.
12. To earn 2 points per dollar in purchases, you must make your eligible purchases via the À la carte Travel^TM Agency section of our À la carte Rewards^TM site.
13. For example, if each month you charge $400 in groceries, $200 in gas, $100 in recurring bill payments and $150 in other purchases to your card, your $850 in purchases will earn you 2,750 points, as follows: 2,000 points for grocery purchases (since the total gross monthly amount is $850, i.e., under $2,500), 400 points for gas purchases, 200 points for recurring bill payments and 150 points for other purchases.
14. Up to $1,000 in the event of breakage, loss or theft for a maximum of 2 years after the purchase date. The device must have been purchased using your National Bank World Elite Mastercard credit card, or your phone plan must be paid via recurring payments charged to your National Bank World Elite credit card starting September 1, 2022. For complete terms and conditions, please consult the insurance certificate associated with your card.