National Bank offers a great product accessible to all travellers with the National Bank Platinum Mastercard®. Thanks to our exclusive offer, you can get up to 40,000 reward points and a first-year annual fee rebate. Plus the purchase protection offered is some of the best on the market!
Carte Mastercard Platine de la Banque Nationale
La carte MastercardMD Platine de la Banque NationaleMD permet d’obtenir jusqu’à 40 000 points récompenses grâce à une offre de bienvenue répartie en plusieurs volets, incluant une adhésion à l’assurance paiement, un premier seuil de dépenses de 2 500 $ dans les 3 premiers mois et un second seuil de 10 000 $ d’achats dans les 12 premiers mois.
En plus de l’offre de bienvenue, cette carte permet d’accumuler jusqu’à 2 points par dollar d’achat dans certaines catégories et inclut plusieurs protections d’assurance voyage, une assurance appareils mobiles ainsi que des protections sur les achats et la garantie prolongée.
Les frais annuels de 70 $ de la ou du titulaire principal sont également remboursés la première année.
$430ⓘMilesopedia first-year estimateFirst-year valueWelcome bonus$360Annual fee rebated$70Total$430Rewards 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 valueWelcome bonus$360Annual fee rebated$70Total$430Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
Length of the welcome promotion
From June 30, 2026 to November 4, 2026.
Eligibility conditions
Sign up for a National Bank® Platinum Mastercard® credit card as a primary cardholder during the promotion period.
Have not held any National Bank personal Mastercard credit card as a primary cardholder during the past 12 months.
Keep the credit card account open and in good standing, in compliance with the Credit Card Agreement, until the annual fee refund and reward points are credited. For example, all minimum payments must be made on time.
Not be employed by National Bank of Canada or an entity in its group.
Description of the promotion
Up to 40,000 reward points upon enrollment, and a refund of the annual fee for the first year for the primary cardholder of a National Bank® Platinum Mastercard®.
Annual fees
The $70 annual fee for the primary cardholder will be refunded for the first year.
We will charge the annual fee to your new card account and then refund it. You will receive this refund within five months of opening your account, provided that your account remains open and in good standing. The refund will appear on your statement as a credit.
Annual fees related to authorized users’ cards are not eligible for this promotion.
Reward points
Points offered
Conditions
When points are awarded
10,000
Enrollment in credit card payment insurance* for at least the first three months
Within two months following the minimum enrollment period
15,000
$2,500 in purchases within the first three months**
By the end of the 6th month following enrollment**
15,000
$10,000 in purchases within the first 12 months**
By the end of the 15th month following enrollment**
* To apply for payment insurance, you must complete the sections related to the Credit Card Payment Protection Plan (CCPPP) included in 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 on July 15, 2026, you have until October 15, 2026 to make the required $2,500 in purchases, and the 15000 points will be credited to your account by the end of January 2027.
How total purchases are calculated
The calculation is based on the total amount of purchases made using all cards linked to the account. Transactions not included in the calculation are set out in article 1.5 of the À la carte Rewards Plan™.
Other conditions
This promotion may only be used once per person.
Issuance of the card is subject to National Bank of Canada’s credit approval. Other conditions apply to the issuance of the card.
Unless otherwise indicated, this promotion cannot be combined with any other National Bank credit card promotion and is not 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 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
Annual interest rate
Average balance
$500
$3,000
22.49% (regular card)
$9.24
$55.45
20.99% (regular card)
$8.63
$51.76
13.2% (Syncro card)
$5.53
$33.16
9.2% (Syncro card)
$3.78
$22.68
Balance transfer and cash advance are subject to credit approval by National Bank. Each balance transfer must be at least $250.
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.
Annual fee
Primary card$70
Additional card$35
Annual income required
Individual$0
Household$0
Conversion fees
2.5%
Earning rate
2xGroceries
2xRestaurants
1.5xBills & recurring payments
1.5xGas & EV
1.5xTravel
0.67xAll spending
Value
1st Year Value$749
2nd Year Value$209
Travel insurance
Travel medical (under 55)Up to $5,000,000 / 10 days
Travel medical (55-64)Up to $5,000,000 / 10 days
Travel medical (65+)Up to $5,000,000 / 10 days
Trip CancellationUp to $1,000
Trip InterruptionUp to $1,500
Delayed BaggageUp to $500
Lost BaggageUp to $1,000
Flight DelayUp to $500
Purchase protection
Purchase ProtectionIncluded
Extended Warranty+2 years
Mobile DeviceUp to $1,000 / 2 years
Auto Rental Collision (primary)Up to $65,000 / 48 days
The components of the welcome offer
The offer does not unlock all at once. It is made of three separate components, each with its own requirement:
Component
Requirement
Deadline
Points
Payment protection insurance enrolment
Keep the coverage active
3 months minimum
10,000
First spending threshold
$2,500 in purchases
3 months
15,000
Second spending threshold
$10,000 in purchases
12 months
15,000
Total
$10,000 + enrolment
1 year
40,000
The three components together deliver up to 40,000 points, or $400 applied to a trip. The $70 annual fee rebate in the first year comes on top.
*For the Grocery & Restaurant category, you can earn 2 points per dollar up to $1,000 in total monthly card purchases.
Once you’ve reached $1,000 in monthly purchases, you’ll earn 1.5 points per dollar on the Grocery & Restaurant category. This is still very good compared with other cards that offer only one point per dollar after the threshold is reached.
How to Use Your NBC Reward Points
To redeem your rewards points NBC, log on to the National Bank’s À la carte Rewards portal.
Then, you can use your points to book a trip (+ cash if needed ) through the « À la Carte » Travel agency. The rates are the sameto those you’ll find at any travel agency.
What’s more, you can also earn NBC rewards points through this agency. This is the best use of points at a rate of 10,000 points per $100 of credit.
You can also use your NBC rewards points as a statement credit for all travel expenses charged to your credit card (redemption must be made within 60 days of the expense being charged to the credit card account).
11,000 points for a $100 credit when redeeming over 55,000 points in the same transaction
The best way to use your points is to book your trip through the online travel agency Plan à la carte NBC: you’ll earn a $100 credit for every 10,000 points redeemed. Here are the details of your other options:
Rewards
Points for $100
Exchange with dedicated À la carte Travel agency NBC
$430ⓘMilesopedia first-year estimateFirst-year valueWelcome bonus$360Annual fee rebated$70Total$430Rewards 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 valueWelcome bonus$360Annual fee rebated$70Total$430Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
Length of the welcome promotion
From June 30, 2026 to November 4, 2026.
Eligibility conditions
Sign up for a National Bank® Platinum Mastercard® credit card as a primary cardholder during the promotion period.
Have not held any National Bank personal Mastercard credit card as a primary cardholder during the past 12 months.
Keep the credit card account open and in good standing, in compliance with the Credit Card Agreement, until the annual fee refund and reward points are credited. For example, all minimum payments must be made on time.
Not be employed by National Bank of Canada or an entity in its group.
Description of the promotion
Up to 40,000 reward points upon enrollment, and a refund of the annual fee for the first year for the primary cardholder of a National Bank® Platinum Mastercard®.
Annual fees
The $70 annual fee for the primary cardholder will be refunded for the first year.
We will charge the annual fee to your new card account and then refund it. You will receive this refund within five months of opening your account, provided that your account remains open and in good standing. The refund will appear on your statement as a credit.
Annual fees related to authorized users’ cards are not eligible for this promotion.
Reward points
Points offered
Conditions
When points are awarded
10,000
Enrollment in credit card payment insurance* for at least the first three months
Within two months following the minimum enrollment period
15,000
$2,500 in purchases within the first three months**
By the end of the 6th month following enrollment**
15,000
$10,000 in purchases within the first 12 months**
By the end of the 15th month following enrollment**
* To apply for payment insurance, you must complete the sections related to the Credit Card Payment Protection Plan (CCPPP) included in 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 on July 15, 2026, you have until October 15, 2026 to make the required $2,500 in purchases, and the 15000 points will be credited to your account by the end of January 2027.
How total purchases are calculated
The calculation is based on the total amount of purchases made using all cards linked to the account. Transactions not included in the calculation are set out in article 1.5 of the À la carte Rewards Plan™.
Other conditions
This promotion may only be used once per person.
Issuance of the card is subject to National Bank of Canada’s credit approval. Other conditions apply to the issuance of the card.
Unless otherwise indicated, this promotion cannot be combined with any other National Bank credit card promotion and is not 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 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
Annual interest rate
Average balance
$500
$3,000
22.49% (regular card)
$9.24
$55.45
20.99% (regular card)
$8.63
$51.76
13.2% (Syncro card)
$5.53
$33.16
9.2% (Syncro card)
$3.78
$22.68
Balance transfer and cash advance are subject to credit approval by National Bank. Each balance transfer must be at least $250.
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.
Annual fee
Primary card$70
Additional card$35
Annual income required
Individual$0
Household$0
Conversion fees
2.5%
Earning rate
2xGroceries
2xRestaurants
1.5xBills & recurring payments
1.5xGas & EV
1.5xTravel
0.67xAll spending
Value
1st Year Value$749
2nd Year Value$209
Travel insurance
Travel medical (under 55)Up to $5,000,000 / 10 days
Travel medical (55-64)Up to $5,000,000 / 10 days
Travel medical (65+)Up to $5,000,000 / 10 days
Trip CancellationUp to $1,000
Trip InterruptionUp to $1,500
Delayed BaggageUp to $500
Lost BaggageUp to $1,000
Flight DelayUp to $500
Purchase protection
Purchase ProtectionIncluded
Extended Warranty+2 years
Mobile DeviceUp to $1,000 / 2 years
Auto Rental Collision (primary)Up to $65,000 / 48 days
Making the most of the $1,000 cap
This cap works like the one on the National Bank World Elite Mastercard, but it is four times tighter. The $1,000 counter adds up all of your purchases for the month, not just groceries and restaurants.
Take a household that charges $900 of groceries and restaurants to the card, plus $900 of other purchases, every month:
Order of purchases in the month
Groceries and restaurants at 2 points
Groceries and restaurants at 1.5 points
Points earned
Groceries and restaurants first
$900
$0
1,800
Other purchases first
$100
$800
1,400
Monthly gap
–
–
400
Potential earnings in year one
Here is what a $1,000 monthly budget produces, which is exactly the cap, with 70% of spending on groceries and restaurants:
Category
Rate
Annual spending
Points earned
Groceries
2 points/$
$6,000
12,000
Restaurants
2 points/$
$2,400
4,800
Gas and EV charging
1.5 points/$
$1,440
2,160
Recurring bills
1.5 points/$
$1,200
1,800
À la carte Travel
1.5 points/$
$600
900
All other purchases
1 point / $1.50
$360
240
Total
–
$12,000
21,900
Redeemed with the À la carte Travel agency, 10,000 points are worth $100. Here is the full first-year picture:
The National Bank Platinum Mastercard® is one of the only credit cards in Canada to cover most of the cost of your trip, even if you only carry a portion of it.
The coverage will reimburse expenses (…) if at least part of the cost of the trip has been charged to the account.
National Bank of Canada
Insurance
Coverage
Trip cancellation (prior to departure)
Up to $1,000 per insured person
Trip interruption (after departure)
Up to $1,500 per insured person
The main differences in coverage with the National Bank Platinum Mastercard are the length of trip covered and the eligible amounts for trip cancellation and interruption insurance.
When we analyze this data, we can see that this card is perfect for people who like to make several short trips.
For a family of 3, the cost of equivalent travel insurance for a week’s All-inclusive holiday can rise to over $200!
Similarly, personal belongings in the vehicle are protected.
Insurance
Coverage
Vehicle rental (48 days or less)
Vehicle value up to $65,000
Insurance for Your Purchases
The National Bank Platinum Mastercard is one of the only credit cards in Canada to offer purchase protection for 180 days (6 months from the date of purchase). Other credit cards offer only 90 days (3 months) of purchase protection.
What’s more, the National Bank Platinum Mastercard® is one of the only credit cards in Canada to triple the coverage period on new items covered by an original manufacturer’s warranty valid in Canada.
Insurance
Coverage
Against theft or breakage for 180 days
up to $60,000
Triple extended warranty
Up to 2 additional years
National Bank Platinum Mastercard – Our review
We have followed the National Bank Platinum Mastercard for years, alongside its World Elite sibling. The insurance tables above come straight from the National Bank contract.
What makes this card interesting has nothing to do with earning. It is the ratio between what it costs and what it protects: $70 a year for $5 million in emergency medical coverage and 180 days of purchase protection.
Two details genuinely set it apart. First, the insurance applies even when you charge only part of the trip cost to the card. Second, the extended warranty triples the manufacturer period, where most cards stop at one extra year.
Do not expect points, however. The $1,000 monthly cap limits earning to roughly 22,000 points a year, and medical coverage stops at 10 days per trip.
Who is this card for?
Anyone who does not qualify elsewhere: no minimum income is required, which is rare at this level of insurance.
Newcomers and students: approval rests on the credit file, not on an income threshold.
Short-trip travellers: the 10-day coverage fits several small trips across the year perfectly.
Appliance and electronics buyers: 180 days of purchase protection and a tripled extended warranty is the best on the market.
Point chasers: the $1,000 monthly cap limits earning to roughly 22,000 points a year.
Anyone who wants airport lounges: no access is included, unlike the World Elite version.
Statement credit redeemers: that route costs 25,000 points for $100, against 10,000 through the travel agency.
How we assess this offer
Our calculations rest on three constant rules. First, we value National Bank Rewards points at 1 cent, the À la carte Travel agency rate (10,000 points = $100). Second, we count only the benefits actually received during the first year. Finally, we always weigh the value obtained against the real annual fee.
The earnings table assumes a specific profile: $12,000 in annual spending, split into $1,000 per month to stay under the cap. If you spend more, apply the 1.5 points per dollar rate to the excess grocery and restaurant spending before comparing.
The offer terms come from National Bank. Our analysis remains independent of the commercial agreements we hold with card issuers.
To see how this offer stacks up against the rest of the market, browse our best credit cards page. Also, sign up for our newsletter to get new welcome offers every week.
Actually, the insurance offered for short trips is excellent, and the purchase insurance is identical to its big sister, the National Bank World Elite Mastercard.
If your income qualifies, the National Bank World Elite Mastercard currently offers a first-year annual fee rebate through our exclusive Milesopedia offer, along with more generous travel benefits.
$430ⓘMilesopedia first-year estimateFirst-year valueWelcome bonus$360Annual fee rebated$70Total$430Rewards 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 valueWelcome bonus$360Annual fee rebated$70Total$430Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
Length of the welcome promotion
From June 30, 2026 to November 4, 2026.
Eligibility conditions
Sign up for a National Bank® Platinum Mastercard® credit card as a primary cardholder during the promotion period.
Have not held any National Bank personal Mastercard credit card as a primary cardholder during the past 12 months.
Keep the credit card account open and in good standing, in compliance with the Credit Card Agreement, until the annual fee refund and reward points are credited. For example, all minimum payments must be made on time.
Not be employed by National Bank of Canada or an entity in its group.
Description of the promotion
Up to 40,000 reward points upon enrollment, and a refund of the annual fee for the first year for the primary cardholder of a National Bank® Platinum Mastercard®.
Annual fees
The $70 annual fee for the primary cardholder will be refunded for the first year.
We will charge the annual fee to your new card account and then refund it. You will receive this refund within five months of opening your account, provided that your account remains open and in good standing. The refund will appear on your statement as a credit.
Annual fees related to authorized users’ cards are not eligible for this promotion.
Reward points
Points offered
Conditions
When points are awarded
10,000
Enrollment in credit card payment insurance* for at least the first three months
Within two months following the minimum enrollment period
15,000
$2,500 in purchases within the first three months**
By the end of the 6th month following enrollment**
15,000
$10,000 in purchases within the first 12 months**
By the end of the 15th month following enrollment**
* To apply for payment insurance, you must complete the sections related to the Credit Card Payment Protection Plan (CCPPP) included in 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 on July 15, 2026, you have until October 15, 2026 to make the required $2,500 in purchases, and the 15000 points will be credited to your account by the end of January 2027.
How total purchases are calculated
The calculation is based on the total amount of purchases made using all cards linked to the account. Transactions not included in the calculation are set out in article 1.5 of the À la carte Rewards Plan™.
Other conditions
This promotion may only be used once per person.
Issuance of the card is subject to National Bank of Canada’s credit approval. Other conditions apply to the issuance of the card.
Unless otherwise indicated, this promotion cannot be combined with any other National Bank credit card promotion and is not 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 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
Annual interest rate
Average balance
$500
$3,000
22.49% (regular card)
$9.24
$55.45
20.99% (regular card)
$8.63
$51.76
13.2% (Syncro card)
$5.53
$33.16
9.2% (Syncro card)
$3.78
$22.68
Balance transfer and cash advance are subject to credit approval by National Bank. Each balance transfer must be at least $250.
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.
Annual fee
Primary card$70
Additional card$35
Annual income required
Individual$0
Household$0
Conversion fees
2.5%
Earning rate
2xGroceries
2xRestaurants
1.5xBills & recurring payments
1.5xGas & EV
1.5xTravel
0.67xAll spending
Value
1st Year Value$749
2nd Year Value$209
Travel insurance
Travel medical (under 55)Up to $5,000,000 / 10 days
Travel medical (55-64)Up to $5,000,000 / 10 days
Travel medical (65+)Up to $5,000,000 / 10 days
Trip CancellationUp to $1,000
Trip InterruptionUp to $1,500
Delayed BaggageUp to $500
Lost BaggageUp to $1,000
Flight DelayUp to $500
Purchase protection
Purchase ProtectionIncluded
Extended Warranty+2 years
Mobile DeviceUp to $1,000 / 2 years
Auto Rental Collision (primary)Up to $65,000 / 48 days
$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 October 4, 2026 (date subject to change), customers can enter the National Bank Lounge three hours before their flight departure time. From October 5, 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
Frequently Asked Questions about the National Bank Platinum Mastercard Offer
Is there really no minimum income required for the National Bank Platinum Mastercard?
Correct. The National Bank Platinum Mastercard® stands out from most premium-tier cards in Canada because it has no stated minimum income requirement. Most equivalents (Visa Infinite or World Elite Mastercard) demand a personal income of $60,000+ or household income of $100,000+. National Bank assesses approval primarily on credit profile and existing banking relationship, making this a rare option for students, newcomers to Canada, and self-employed applicants who want premium-grade insurance coverage without locking in a high salary threshold.
How do I earn rewards on the National Bank Platinum Mastercard?
2 points per dollar on grocery and restaurant purchases (capped at $1,000/month combined)
1.5 points per dollar on gas, EV charging, recurring bills and travel
1 point per $1.50 on all other purchases
Points are redeemed through the National Bank À la carte Rewards program, where 100 points equal $1 in travel credit. Points can also be applied as a statement credit, used to book travel, or redeemed for gift cards.
What insurance coverage is included on the National Bank Platinum Mastercard?
Emergency travel medical up to $5,000,000 (maximum 10 days per trip, age 76 or under)
Trip cancellation up to $1,000 per insured
Trip interruption up to $1,500 per insured
Flight delay coverage and baggage delay/loss
Car rental theft and damage protection
Purchase protection for 180 days against theft or damage
Extended warranty tripling the manufacturer’s warranty (up to 2 additional years)
Who is the National Bank Platinum Mastercard best suited for?
The card fits three profiles particularly well:
Young professionals who don’t yet meet $60K+ income thresholds but travel a few times a year
Newcomers to Canada who want strong insurance coverage early in their credit journey
Frequent short-trip travelers who need solid medical and trip cancellation coverage without paying $150+ in annual fees
It’s less ideal for high spenders who would maximize a 4% category card or for travelers who want airport lounge access (it doesn’t include Priority Pass).
$430ⓘMilesopedia first-year estimateFirst-year valueWelcome bonus$360Annual fee rebated$70Total$430Rewards 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 valueWelcome bonus$360Annual fee rebated$70Total$430Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
Length of the welcome promotion
From June 30, 2026 to November 4, 2026.
Eligibility conditions
Sign up for a National Bank® Platinum Mastercard® credit card as a primary cardholder during the promotion period.
Have not held any National Bank personal Mastercard credit card as a primary cardholder during the past 12 months.
Keep the credit card account open and in good standing, in compliance with the Credit Card Agreement, until the annual fee refund and reward points are credited. For example, all minimum payments must be made on time.
Not be employed by National Bank of Canada or an entity in its group.
Description of the promotion
Up to 40,000 reward points upon enrollment, and a refund of the annual fee for the first year for the primary cardholder of a National Bank® Platinum Mastercard®.
Annual fees
The $70 annual fee for the primary cardholder will be refunded for the first year.
We will charge the annual fee to your new card account and then refund it. You will receive this refund within five months of opening your account, provided that your account remains open and in good standing. The refund will appear on your statement as a credit.
Annual fees related to authorized users’ cards are not eligible for this promotion.
Reward points
Points offered
Conditions
When points are awarded
10,000
Enrollment in credit card payment insurance* for at least the first three months
Within two months following the minimum enrollment period
15,000
$2,500 in purchases within the first three months**
By the end of the 6th month following enrollment**
15,000
$10,000 in purchases within the first 12 months**
By the end of the 15th month following enrollment**
* To apply for payment insurance, you must complete the sections related to the Credit Card Payment Protection Plan (CCPPP) included in 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 on July 15, 2026, you have until October 15, 2026 to make the required $2,500 in purchases, and the 15000 points will be credited to your account by the end of January 2027.
How total purchases are calculated
The calculation is based on the total amount of purchases made using all cards linked to the account. Transactions not included in the calculation are set out in article 1.5 of the À la carte Rewards Plan™.
Other conditions
This promotion may only be used once per person.
Issuance of the card is subject to National Bank of Canada’s credit approval. Other conditions apply to the issuance of the card.
Unless otherwise indicated, this promotion cannot be combined with any other National Bank credit card promotion and is not 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 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
Annual interest rate
Average balance
$500
$3,000
22.49% (regular card)
$9.24
$55.45
20.99% (regular card)
$8.63
$51.76
13.2% (Syncro card)
$5.53
$33.16
9.2% (Syncro card)
$3.78
$22.68
Balance transfer and cash advance are subject to credit approval by National Bank. Each balance transfer must be at least $250.
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.
Annual fee
Primary card$70
Additional card$35
Annual income required
Individual$0
Household$0
Conversion fees
2.5%
Earning rate
2xGroceries
2xRestaurants
1.5xBills & recurring payments
1.5xGas & EV
1.5xTravel
0.67xAll spending
Value
1st Year Value$749
2nd Year Value$209
Travel insurance
Travel medical (under 55)Up to $5,000,000 / 10 days
Travel medical (55-64)Up to $5,000,000 / 10 days
Travel medical (65+)Up to $5,000,000 / 10 days
Trip CancellationUp to $1,000
Trip InterruptionUp to $1,500
Delayed BaggageUp to $500
Lost BaggageUp to $1,000
Flight DelayUp to $500
Purchase protection
Purchase ProtectionIncluded
Extended Warranty+2 years
Mobile DeviceUp to $1,000 / 2 years
Auto Rental Collision (primary)Up to $65,000 / 48 days
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