Network: Mastercard

*Conditions apply.

BMO is not responsible for maintaining the content on this site. Please click on the Apply now link for the most up to date information

*Terms and Conditions apply

The Tims® Mastercard is issued by Neo Financial™ pursuant to license by Mastercard International Incorporated.

*Terms and Conditions apply

The Tims® Mastercard is issued by Neo Financial™ pursuant to license by Mastercard International Incorporated.

*Terms and Conditions apply.

BMO is not responsible for maintaining the content on this site. Please click on the Apply now link for the most up to date information

*Grocery and Restaurant: 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 The accumulation of 5 points per dollar of purchase is valid 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.

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. 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.

Recurring Bill: 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.

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.

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^st 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.

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. 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).

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 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

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

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

Length of the welcome promotion
From August 16 to October 31, 2024.

Eligibility conditions

• Sign up for a National Bank^® Platinum Mastercard^® credit card during the promotion as a primary cardholder.
• Sign up via the redirection link provided on one of our partner’s websites during the promotion. Not have held one of our Mastercard credit card for individuals from National Bank over the past 24 months as a primary cardholder.
  • Keep the credit card account open until rewards points are paid.
  • Keep the account in good standing by complying with the conditions set out in the credit card agreement until the rewards points are paid. For example, all minimum payments must be made on time.
  • Not be employed by National Bank or one of its subsidiaries.

Description of the promotion
Up to 25,000 reward points upon enrolment and annual fee reimbursed in the first year for the primary cardholder and one additional cardholder.

Annual fee
No annual fees for the first year for the primary cardholder and the first additional authorized user.
We will charge annual fees to the account of your new card and reimburse those fees to you. You will receive this reimbursement within five months of opening your account, provided that your account remains open. It will appear on your statement in the form of 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 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.

How total 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 Plan^TM.

Other conditions

• You can only take advantage of the promotion once.
• Issuance of the card is subject to credit approval by National Bank of Canada. Other conditions apply to the issue 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 modified 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 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

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

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

Refer to RBC page for up to date offer terms and conditions

This offer only applies to new applications for a WestJet RBC World Elite Mastercard credit card received and approved by Royal Bank of Canada (“Royal Bank”) between August 1 and October 30, 2024 (“Offer Period”), subject to the conditions below. Additional cardholders(s) (co-applicant and authorized user(s)) on the WestJet RBC World Elite Mastercard credit card account are not eligible for this offer. Existing cardholders on any RBC Royal Bank personal credit card account transferring to a WestJet RBC World Elite Mastercard credit card during the Offer Period, are not eligible for the offer. You will be eligible to receive the welcome bonus of 300 WestJet dollars (“Welcome WestJet dollars”) upon your first purchase. The Welcome WestJet dollars will appear in your WestJet Rewards account, accessible at westjet.com/account, 4-6 weeks after your first purchase transaction date, provided that your WestJet RBC World Elite Mastercard credit card account (“Credit Card Account”) remains open and in good standing at that time, “good standing” meaning that your Credit Card Account must not be past due for more than two (2) consecutive Credit Card Account statement periods, closed, charged off or in credit revoked status at that time. To receive the additional 300 WestJet dollars (“Additional WestJet dollars”), (i) a total of $5,000 or more (“Qualifying Transaction Amount”) in qualifying net purchases and/or pre-authorized bill payment transactions (“Qualifying Transactions”) must be posted to your Credit Card Account within the first 3 months of your Credit Card Account opening date (“Period”), and (ii) your Credit Card must remain open and in good standing at the time the Additional WestJet dollars are awarded to your WestJet Rewards account, approximately 6 weeks after the date you reach $5,000 in Qualifying Transactions. Qualifying Transactions exclude cash advances (including balance transfers, cash-like transactions and bill payments that are not pre-authorized charges that you set up with a merchant), interest charges and fees. Credits for returns and adjustments posted to your Credit Card Account during the Period will reduce the amount of your Qualifying Transactions. The Qualifying Transaction Amount is based on the transaction posting date of each Qualifying Transaction, not the transaction date. This means that transactions that take place prior to the last day of the Period will not be considered for the Qualifying Transaction Amount if they have not yet been posted or processed by the merchant, the payment network (Mastercard) or Royal Bank by the last day of the Period. 100 additional WestJet dollars (“Anniversary WestJet dollars”) will appear in your WestJet Rewards account within twelve (12) to sixteen (16) weeks after the one- year anniversary of your Credit Card Account opening, provided that your Credit Card Account remains open and in good standing at the time the Anniversary WestJet dollars are credited to your WestJet Rewards account. If you close or change your WestJet RBC World Elite Mastercard credit card for another type of RBC Royal Bank credit card before the Welcome WestJet dollars, the Additional WestJet dollars and/or the Anniversary WestJet dollars have been credited to your WestJet Rewards account, you may lose the benefit of this offer. This offer may not be combined or used in conjunction with any other offer, except as otherwise set out. Royal Bank of Canada and WestJet reserve the right to modify, cancel or withdraw this offer at any time without notice, even after your application has been approved, including if we suspect that you may be manipulating or abusing it, or engaging in any suspicious or fraudulent activity, as determined by Royal Bank of Canada.