Travel Insurance 65 and Over: What Your Credit Card Covers

Published March 3, 2025Updated October 26, 20268 min read Fact checked

From age 65, your credit card’s emergency medical insurance covers shorter trips: 15 days with the National Bank World and World Elite cards, 10 days with the Scotiabank Platinum Amex and 3 days with the Scotiabank Passport Visa Infinite+. Beyond that, you extend the coverage or buy separate travel insurance.

For a two-week trip, we suggest the National Bank^® World Elite^® Mastercard^® or the National Bank^® World Mastercard^®: they cover travellers aged 65 to 75 for up to $5,000,000 for 15 days. For a snowbird winter in Florida or Arizona, you will need to add private insurance.

The Need for Insurance

To protect your health, you need to be insured, even when you travel within Canada.

Healthcare costs vary from one province and country to another. If your care costs more than your provincial health plan pays, you pay the difference. Travel insurance covers that gap, at any age.

Retired couple sitting in an airport departure lounge reading a printed document together, the woman holding a credit card, with a suitcase beside them

The travel insurance offered by most good credit cards covers this need.

Good Travel Insurance in Case of Illness

Credit card travel insurance includes several components. Emergency medical services provide coverage, but they have exclusions based on age at the time of departure and the duration of the trip.

It’s your responsibility to read your insurance contract carefully, to check for any minor exclusions. If in doubt, call your credit card company.

Travel Medical Insurance

Travel medical insurance covers medical care in the event of injury or illness outside the province for the cardholder, their spouse, and dependents during the trip.

For example, the National Bank^® World Elite^® Mastercard^® covers you for up to $5,000,000 per person, depending on your age:

60 days for people aged 54 and under
31 days for people aged 55 to 64
15 days for people aged 65 to 75
No coverage for those aged 76 and over.

If the coverage period isn’t enough, some cards let you buy extra days.

For example, the Scotiabank Passport^® Visa Infinite+* Card covers 3 consecutive days from age 65, up to $2,000,000, but its certificate of insurance provides an optional extension to request before departure. We explain the process in our tutorial How to extend the Scotiabank Passport Visa Infinite travel insurance.

Our credit card selection
Credit card	Annual fee	Welcome offer
ExclusiveNational Bank World Elite^® Mastercard^® Apply NowCompare	Annual feeFirst Year Annual Fee Rebate$150 $0First Year Annual Fee Rebate	Welcome offer$150 annual fee rebated First Year Annual Fee RebateEnds Nov 4, 2026 $150 annual fee rebated	Apply NowCompare
National Bank World^® Mastercard^® Apply NowCompare	Annual fee$115	Welcome offer No current welcome offer	Apply NowCompare
Scotiabank Passport^® Visa Infinite +* Card Apply NowCompare	Annual fee$150	Welcome offerAfter $2,000 in 3 months Up to 35,000 pointsEnds Nov 1, 2026 After $2,000 in 3 months	Apply NowCompare

Online Travel Medical Insurance

Another option is to take out separate travel insurance.

The affordable insurance from soNomad specializes in emergency medical care. It offers coverage for pre-existing medical conditions for Snowbirds, as well as for individuals aged 65 and over.

Travel Accident Insurance

Travel accident insurance acts like life insurance in the event of serious bodily injury (loss of sight, hand, foot, etc.) sustained on board a common carrier.

The fare must have been paid in full or in part with the credit card.

Trip Interruption/Cancellation Insurance

Trip cancellation and interruption insurance also requires that you paid for all or part of the trip with your credit card: plane ticket, car rental, vacation package, for example.

It covers the non-refundable portion of unused services, as well as transportation if the trip is interrupted or delayed for a reason covered by the insurance plan.

The reasons must be serious and justified, such as illness, death in the family, etc.

Flight Delay Insurance

Depending on the credit card, the delay must be between four to six hours for it to take effect.

If your next flight doesn’t leave until the following day, you’ll probably have to eat or sleep in a hotel for the night. This can happen, for example, in bad weather or when the aircraft breaks down.

These expenses are covered to the extent that you purchased the ticket, in whole or in part, with your credit card. Keep your invoices in case you need to make a claim.

Baggage Insurance for Lost, Stolen, or Delayed Baggage

For lost, stolen or delayed luggage, you should be aware that credit cards have clauses covering purchases to replace necessary items, as in the case of flight delays. In the event of loss or theft, offers vary from card to card.

Credit Cards That Cover Travellers 65 and Over

A few cards cover you long enough for a two-week trip, with no extra insurance. Here is what each issuer provides for travellers aged 65 and over.

Emergency medical coverage after 65, by credit card
Card	Days covered from age 65	Maximum per person	If your trip is longer
National Bank World Elite Mastercard	15 days from 65 to 75, no coverage from 76	$5,000,000	No coverage for the entire trip
National Bank World Mastercard	15 days from 65 to 75, no coverage from 76	$5,000,000	No coverage for the entire trip
Scotiabank Passport Visa Infinite Privilege	10 days	$5,000,000	Extra days available for purchase
Scotiabank Platinum American Express	10 days	$2,000,000	Extra days to buy before departure
Scotiabank Passport Visa Infinite+	3 days	$2,000,000	Optional extension in the certificate

The National Bank^® World Mastercard^® and the National Bank^® World Elite^® Mastercard^® cover travellers aged 65 to 75 for 15 days, up to $5,000,000 per person. The World card requires a personal income of $50,000 (or $80,000 household) and costs $115 a year. The World Elite requires $80,000 (or $150,000 household) and costs $150.

Note: if your trip lasts longer than 15 days, National Bank states that no coverage applies, not even for the first 15 days.

For a longer stay, or from age 76, you will need private travel insurance for the entire trip.

Our credit card selection
Credit card	Annual fee	Welcome offer
ExclusiveNational Bank World Elite^® Mastercard^® Apply NowCompare	Annual feeFirst Year Annual Fee Rebate$150 $0First Year Annual Fee Rebate	Welcome offer$150 annual fee rebated First Year Annual Fee RebateEnds Nov 4, 2026 $150 annual fee rebated	Apply NowCompare
National Bank World^® Mastercard^® Apply NowCompare	Annual fee$115	Welcome offer No current welcome offer	Apply NowCompare

Desjardins Odyssey cards, including the Odyssey Gold Visa, follow a similar schedule:

60 days for people aged 59 and under
31 days for people aged 60 to 64
15 days for people aged 65 to 75
No coverage for those aged 76 and over.

If the duration of the trip exceeds the number of days listed above, you must contact Desjardins to extend the coverage for this person. Otherwise, they will not be covered for the trip at all.

The Scotiabank^® Platinum American Express^® Card covers you for up to $2,000,000 per person for the first 10 consecutive days of your trip, from age 65.

As with the Passport Visa Infinite+, you can buy extra days from the insurer before you leave if your trip exceeds 10 days.

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Scotiabank^®* Platinum American Express^® Card

Scotiabank Scene+

Annual fee: $399
Our valuationMilesopedia first-year estimate First-year valueWelcome bonus$800Total$800Plus $200 of bonus paid after the first year, not counted in this total.Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.: $800
Welcome offerAfter $10,000 in 6 months: Up to 100,000 points; Ends Nov 1, 2026

For a limited time, by signing up for the Scotiabank Platinum American Express^® Card, you can earn up to 100,000 Scene+ points, worth up to $3,000 in value over the first 14 months (including about $1,000 in travel rewards from the bonus points).

With the Scotiabank Platinum American Express^® Card, you earn 2 points per dollar spent on all purchases. These points can be used against any travel purchase (plane tickets, hotels, all-inclusives, and even Airbnb), and you can also use them for other rewards in the Scene+ program, like cash back.

Plus, with this card, you pay no foreign transaction fees, and you get 10 free accesses to VIP airport lounges (Priority Pass).

And you benefit from excellent insurance for your trips and purchases, premium concierge service, and exclusive American Express Invitations offers.

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* The potential value of savings and rewards during the first 14 months includes the value of the welcome offer, potential savings, the potential value of points earned in the first year, and the value of savings on foreign transaction fees and airport lounge access as of May 22, 2026:

$600 in travel rewards (60,000 bonus Scene+ points) for new Scotiabank Platinum American Express cardholders who make purchases totalling $5,000 in the first 3 months

$200 in travel rewards (20,000 bonus Scene+ points) who make purchases totalling $10,000 in the first 6 months

$200 in travel rewards (20,000 bonus Scene+ points) when you post at least one (1) eligible purchase to your new account in the 14th month following the month the account was opened

$241 in savings on foreign transaction fees based on the average amount of foreign currency purchases made per account in the first year (by saving the 2.5% foreign transaction fee generally charged by credit card issuers);

$1,023 potential first-year points earnings (102,297 Scene+ points) on everyday purchases, based on the average amount of purchases made per account over the past 24 months;

$784 representing the value of Priority Pass membership and airport lounge passes for the primary cardholder (annual membership fee for a 10-visit plan, $454 CAD or $329 USD) and for one additional cardholder (annual membership fee of $137 CAD or $99 USD, plus 4 passes valued at $48 CAD or $35 USD each). Based on the exchange rate in effect on May 22, 2026.

Maximum potential value after 14 months = $3,048 (rounded to $3,000)

The actual value of offers, savings realized and rewards earned will vary depending on card usage and eligibility for offers. Conditions apply.

1 Offer description and terms and conditions: The offer of 100,000 bonus Scene+ points (the “Offer”) applies only to new Scotiabank Platinum American Express credit card accounts (the “Account”) opened between July 2, 2026 and November 1, 2026 (regardless of the date you apply for the Account), subject to the conditions below.

To be eligible for the 60,000 bonus Scene+ points (the “60,000 bonus points offer”), you must charge eligible purchases totalling at least $5,000 within three months of the Account opening date. To be eligible for the 20,000 bonus Scene+ points (the “additional 20,000 bonus points”), you must charge $10,000 in eligible purchases to your new Account during the first six months following the Account opening date. To be eligible for the additional 20,000 bonus Scene+ points (the “additional 20,000 bonus points”), you must make at least one (1) eligible purchase on your new Account during the 14th month following the month in which the Account was opened. Eligible purchases means purchases, less refunds, returns and any other similar credits, and excludes payments, cash advances (including balance transfers and quasi-cash transactions), interest charges, card fees and other fees.

Annual bonus fulfillment: Bonus points will be deposited into the Scene+ account within approximately eight weeks after you become eligible for a bonus, provided the Account is open and in good standing. In the case of a joint Account with a primary borrower and a co-borrower, bonus points will be deposited as follows: (i) the 60,000 bonus points and the 20,000 bonus points will be deposited into the Scene+ account linked to the Account of the borrower who made the transaction that reached the eligible purchase threshold ($5,000 or $10,000) within the applicable timeframe (the first three months or the first six months), and (ii) the additional 20,000 bonus points will be deposited into the Scene+ account linked to the Account of the borrower who made the first transaction considered an eligible purchase in the 14th month following the month the Account was opened. If an additional cardholder makes the transaction that reaches the eligible purchase threshold for the 60,000 bonus points or the 20,000 bonus points, or makes the first transaction to earn the additional 20,000 bonus points, the bonus points will be deposited into the Scene+ account linked to the primary borrower’s Account. Points can be transferred between the Scene+ accounts of a primary borrower, a co-borrower, or an additional cardholder by contacting Scene+. An Account is in good standing if it is not delinquent, there is no over-limit on the credit limit, and the cardholder(s) have complied with the terms of the Revolving Credit Agreement that applies to the Account. All other program terms continue to apply during the Offer period. The Offer may be changed, cancelled, or extended at any time without notice, and cannot be combined with any other offer.

Eligibility and exclusions: You are not eligible for the Offer if you are currently a primary or secondary cardholder of a Scotiabank personal credit card or if you have been within the past two years, including if you transfer your balance from an existing Scotiabank personal credit card account, and if you are a Scotiabank employee. Subject to the exclusions mentioned above, Scotiabank small business credit cardholders are eligible for this Offer.

Rates and fees: The current annual fee is $399 for the primary card and $99 for each additional card (including those issued to co-account holders and additional cardholders).
The preferred annual interest rates currently applicable to the Account are as follows: 9.99% on purchases and 9.99% on cash advances (including balance transfers and quasi-cash transactions). All rates, fees, features and benefits described in the application disclosure statement are subject to change.

Savings at Shell

Get up to 7 cents per litre in instant fuel discounts for a limited time and earn up to 4 cents per litre in Scene+ points value with a Scotiabank Platinum American Express Card linked to a Shell Go+ Account:

Instant 3 cents per Litre Discount on Fuel Purchases (All Grades): Receive an instant 3 cents per litre discount on purchases of fuel (all grades) (“Fuel Purchases (All Grades)”) at participating Shell locations in Canada when you use any eligible Scotiabank debit card or credit card linked to a Shell Go+ Account, up to a maximum of 1,000 litres per month per Scotiabank debit card and per Scotiabank credit card account. This total limit resets at the start of each new month per payment card account. This discount is subject to the Scotiabank Fuel Benefit Terms and Conditions.
Instant 4 cents per Litre Discount on Premium Fuel: Between May 26, 2026 and June 1, 2027 (“Promotional Period”), receive an instant 4 cents per litre discount on purchases of V-Power^® gasoline, or V-Power^® diesel (“Premium Fuel Purchases”) at participating Shell locations in Canada when you use any eligible Scotiabank credit card that earns Scene+ points linked to a Shell Go+ Account, up to a maximum of 1,000 litres per month per credit card account. This total limit resets at the start of each new month per credit card account. This promotional offer, including the Promotional Period, may be changed, extended, or withdrawn at any time without notice. These promotional offer terms are in addition to the Scotiabank Fuel Benefit Terms and Conditions.
Earn up to 4 cents per Litre in Scene+ points Value (Equivalent) on Fuel Purchases: Each time you use your linked Scotiabank credit card that earns Scene+ points on Fuel Purchases (All Grades) at participating Shell locations in Canada, you will earn at least 2 Scene+ points per $1 spent. Plus, as a Scene+ Member you will also automatically earn 1 Scene+ point for each litre in Fuel Purchases (All Grades), and as a Shell Go+ member, automatically earn 1 additional Scene+ point for each litre in Premium Fuel Purchases, made with your linked Scotiabank credit card. This means that for every litre in fuel purchased with your linked credit card, you can earn the equivalent of up to 4 cents of redeemable Scene+ points value based on a redemption value of $10 for every 1,000 Scene+ points redeemed for fuel purchases at participating Shell locations. Actual value may be lower depending on how you choose to redeem your Scene+ points. Earn and redemption limits may apply. See the Scene+ Program Terms and Conditions available at sceneplus.ca/terms-and-conditions for full details including redemption options and additional terms.

Note: Highest value of 11 cents per litre assumes a Premium Fuel Purchase made with a Scotiabank Platinum American Express^® Card linked to a Shell Go+ Account. Actual value will vary depending on payment card used and whether or not the card is linked, fuel grade purchased, and how you choose to redeem your Scene+ points.

Additional 3¢/L at Shell (limited time)

Additional 3¢/L Fuel Discount Offer: Offer valid from October 5, 2026 to December 31, 2026 (“Promotional Period”), eligible Scotiabank credit and debit cardholders enrolled in the Shell Fuel Benefits Program who have linked an eligible Scotiabank payment card (an “Eligible Card”) to their Shell Go+ account will receive an additional instant fuel discount of 3 cents per litre on eligible fuel purchases at participating Shell-branded retail locations in Ontario, British Columbia, Alberta, Saskatchewan, Manitoba, and the Northwest Territories (the “Eligible Provinces”) excluding Shell Flying J locations. Fuel purchases made outside the Eligible Provinces are not eligible for this offer.

To receive the additional fuel discount, customers must pay with their linked Eligible Card at the time of purchase.

The additional fuel discount is in addition to the fuel savings available through the Shell Fuel Benefits Program and may be combined with other eligible fuel discounts, rewards programs, and promotional fuel offers unless otherwise stated in the applicable offer terms and conditions.

The additional fuel discount is available on up to 1,000 litres of eligible fuel purchases per calendar month for each Eligible Card. The 1,000-litre limit resets at the beginning of each calendar month.

The additional fuel discount is non-transferable, is not redeemable for cash, and cannot be substituted or exchanged.

Participation in the Shell Fuel Benefits Program is subject to the applicable program terms and conditions available at Scotiabank Fuel Benefit Terms and Conditions.

Shell Canada reserves the right to make changes to this offer and to terminate the offer at any time, for any reason and without notice.

All other applicable terms and conditions of the Shell Fuel Benefits Program, Shell Go+ and Scotiabank continue to apply.

Annual fee

Primary card$399

Additional card$99

Annual income required

Individual$12,000

Household$12,000

Conversion fees

Earning rate

2xAll spending

Value

1st Year Value$941

2nd Year Value$481

Card benefits

Concierge service24/7

Airport lounge access$400

Travel insurance

Travel medical (under 55)Up to $2,000,000 / 31 days

Travel medical (55-64)Up to $2,000,000 / 31 days

Travel medical (65+)Up to $2,000,000 / 10 days

Trip CancellationUp to $2,500

Trip InterruptionUp to $2,500

Delayed BaggageUp to $1,000

Lost BaggageUp to $1,000

Flight DelayUp to $1,000

Hotel BurglaryUp to $1,000

Travel AccidentUp to $500,000

Purchase protection

Purchase ProtectionIncluded

Extended Warranty+1 years

Mobile DeviceUp to $1,000 / 1 years

Auto Rental CollisionUp to $65,000 / 48 days

Group Travel Insurance – Employer

Before you buy a policy, we encourage you to check whether your employer, or former employer, offers retirees a health plan that includes travel.

Online Travel Insurance Quote

You can also get an online quote from a private insurer such as soNomad, which offers products for snowbirds and travellers aged 65 and over.

The vast majority of travel insurance providers will ask you about your past and current health status, as well as a “stable” condition for 90 or 180 days depending on your age, in order to insure you. It wouldn’t stop you from going but you might not be covered for that specific condition. Some even provide coverage up to 85 years old! However, make sure to ask about the cost of deductibles.

Snowbirds: How to Cover a Long Stay

For a winter in the sun, private insurance covers your whole stay, from the first day to the last. No card in this guide covers more than 15 consecutive days after age 65.

To lower your premium, we suggest you look at these three options:

Retiree group plan: check whether it covers travel and for how many days.
Card extension: possible when the certificate allows it, as with Scotiabank.
Private quote: fill in the medical questionnaire carefully, since an inaccurate answer can void your coverage.

Our guide Snowbirds: how to save on travel insurance explains these options in detail.

Our credit card selection
Credit card	Annual fee	Welcome offer
ExclusiveNational Bank World Elite^® Mastercard^® Apply NowCompare	Annual feeFirst Year Annual Fee Rebate$150 $0First Year Annual Fee Rebate	Welcome offer$150 annual fee rebated First Year Annual Fee RebateEnds Nov 4, 2026 $150 annual fee rebated	Apply NowCompare
Scotiabank^®* Platinum American Express^® Card Apply NowCompare	Annual fee$399	Welcome offerAfter $10,000 in 6 months Up to 100,000 pointsEnds Nov 1, 2026 After $10,000 in 6 months	Apply NowCompare

Frequently Asked Questions

Can you buy travel insurance after 65?

Yes. Private insurers such as soNomad offer products designed for travellers aged 65 and over, including snowbirds, usually after a medical questionnaire. Your premium depends on your age, your health and the length of your trip.

What happens if my trip is longer than my card covers?

With the National Bank World and World Elite cards, no medical coverage applies if your trip exceeds 15 days, not even for the first days. With the Scotiabank cards in this guide, you can buy extra days before you leave.

Does my card still cover me after 75?

Not with the National Bank cards or the Desjardins Odyssey Gold Visa: their emergency medical coverage stops at 76. You will need private travel insurance for your entire stay.

Does my age on the departure date count?

At Scotiabank, your age on the departure date sets the number of days covered. Check the same clause in your card’s certificate of insurance before you book.

Does my provincial health plan cover me abroad?

It reimburses only part of the care you receive outside your province, at its own rates. Without travel insurance, you pay the difference.

How do I extend the Passport Visa Infinite+ coverage?

The card’s certificate provides an optional extension for trips longer than 3 days from age 65. You request it from the insurer before you leave, and our tutorial on this extension walks you through each step.

Is a card with travel insurance worth its annual fee after 65?

If you travel for two weeks or less at a time, yes: the National Bank World card, at $115 a year, covers you for 15 days with no premium to pay on each trip. For a longer stay, the card does not replace private insurance.

Our featured card

ExclusiveCompare

National Bank World Elite^® Mastercard^®

National Bank NBC RewardsFirst-Year Annual Fee Rebate

Annual feeNo annual fee the first year: $0 $150
Our valuationMilesopedia 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.: $150
Welcome offer$150 annual fee rebated: First Year Annual Fee Rebate; Ends Nov 4, 2026

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 a 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 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 Travel^TM agency section of our À la carte Rewards^TM 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 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