Sign up for a Mastercard credit card and access bank accounts and financing solutions with attractive terms and conditions.
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annual fee
purchase rate
balance transfer and cash advance rate
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Get up to three bank accounts and pay no monthly fee—plus you get an unlimited number of transactions on most automated services by obtaining a Mastercard.
Advantages
Don’t need a credit card? A $12.95 monthly fee applies.13
National Bank All-In-One®, 11
A home equity line of credit that groups together your bank accounts and your short-term cash and financing needs.
Exclusive rate
Prime rate + 0.25%
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current interest rate
Fee of $7 per month per account
Mortgage loan4
Split your mortgage into smaller portions—each with its own rate, term, payment frequency and amortization period.
Financial planners are trained to help you plan, execute and achieve your goals. Leverage the expertise of our planners to meet your needs at key milestones in your life. Learn more about our services.
Take control of your investments with powerful tools and a dedicated team of experts.
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The Registered Education Savings Fund (RESP) is a smart way to fund your children’s post-secondary education.
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In partnership with FBA Solutions, access lawyers by phone and get legal information in many areas.
Benefit from preferential pricing with a 50% discount on SECURIZONE® products18. Take advantage of tools and products to improve your security and get assistance in the event of identity theft and fraud.
Get financing4 for an office space, manage your employees more efficiently and benefit from commercial accounts with reduced fees. Our team of experts is here to help.
Promotion
The offer is valid between August 31, 2020 and February 14th, 2021. Conditions apply.
$358 cashback
You can obtain this cashback by signing up for National Bank offer for engineering professionals and an eligible Mastercard credit card.
To qualify, you must, by February 14th, 2021 :
Subject to credit approval by National Bank. The cashback ($358), will be deposited to your National Bank Mastercard account within 180 days of the products being opened.
This offer is intended for anyone who does not have a National Bank chequing account or Mastercard credit card or who has not had one of these products within the last 24 months.
The offer may not be combined or used with any other National Bank promotion and cannot be applied retroactively. There is a limit of one cashback per client. Only the primary account holder is eligible for the offer.
Offer available to engineers residing in the province of Manitoba. The offer may be modified, extended or withdrawn without prior notice at any time. Employees of National Bank and its subsidiaries and entities are not eligible.
The promotional offer is valid between August 31, 2020 and February 14th, 2021. Conditions apply.
$500 cashback
You can obtain this cashback by signing up for National Bank offer for engineering professionals and an eligible Mastercard credit card.
To qualify, you must, by February 14th, 2021 :
Subject to credit approval by National Bank. The cashback ($500), will be deposited to your National Bank Mastercard account within 180 days of the products being opened.
This offer is intended for anyone who does not have a National Bank chequing account or Mastercard credit card or who has not had one of these products within the last 24 months.
The offer may not be combined or used with any other National Bank promotion and cannot be applied retroactively. There is a limit of one cashback per client. Only the primary account holder is eligible for the offer.
The offer may be modified, extended or withdrawn without prior notice at any time. Employees of National Bank and its subsidiaries and entities are not eligible.
® THE EXCHANGE is a registered trademark of Fiserv Inc.
® Mastercard, World Mastercard and World Elite are registered trademarks, and the circles design is a trademark of Mastercard International Incorporated. Authorized user: National Bank.
® The Personal Flex Line, the All-In-One and THE TOTAL are registered trademarks of National Bank of Canada.
® SECURIZONE is a registered trademark of National Bank of Canada used by NBC Assistance Inc.
® Interac is a registered trade-mark of Interac Inc. Used under licence.
National Bank Direct Brokerage (NBDB) is a division of National Bank Financial Inc. (NBF), as well as a trademark owned by National Bank of Canada (NBC) that is used under license by NBF. NBF is a member of the Investment Industry Regulatory Organization of Canada, the Canadian Investor Protection Fund, and is a subsidiary of NBC, a public company listed on the Toronto Stock Exchange (TSX: NA). NBDB provides order execution only services and makes no investment recommendations. Clients are solely responsible for the financial ant tax consequences of their investment decisions.
1. Subject to credit approval by National Bank. The discount is offered to holders of a National Bank Platinum, World Mastercard® or World Elite® Mastercard credit card. The $1,911 in annual savings is provided as an example only to illustrate what a holder could save with the offer. It is based on the typical profile of a client who has the following products: a banking package equivalent to The Total®, a World Elite® Mastercard® credit card, a National Bank All-In-One® home equity line of credit with an annual balance of $150,000 and a personal line of credit with an annual balance of $25,000, and has a good credit rating.
Savings are calculated as follows: No monthly fee for transactions included in the The TotalTM package (annual savings of $311), plus an annual discount of 0.75% on the All-In-One line of credit rate (annual savings of $1,125), plus an annual discount of 2.50% on the rate of a personal line of credit (annual savings of $625), minus the annual fee for the World Elite® Mastercard® for a year. These savings represent the difference between what a client with the offer and a client without it would pay. Certain conditions apply. Potential savings may not reflect the net savings that you will receive; this amount will vary based on your financial situation.
2. Bank account with chequing privileges. Certain services, such as the passbook and paper statement by mail, are not included. Included services and fees for unrelated services are indicated in our Fee Guide, available in branches or at nbc.ca.
3. Subject to credit approval by National Bank of Canada. Certain conditions apply.
4. Financing subject to credit approval by National Bank. Certain conditions apply.
5. Certain restrictions apply. Please consult the applicable rules governing reward points under Rewards plan.
6. 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.
Examples of credit charges
Example of credit charges over a 30-day period:
Annual interest rate | Average balance | |
---|---|---|
$500 | $3,000 | |
22.99% | $9.45 | $56.69 |
20.99% | $8.63 | $51.76 |
14.5% | $5.96 | $35.75 |
8.9% | $3.66 | $21.95 |
*Variable interest rate in effect on December 20, 2016.
7. Subject to credit approval by National Bank. Each balance transfer must be at least $250.
8. Only the spouse of the main cardholder of the Mastercard credit card included with the offer for professionals is eligible for an additional card. Regular annual fees apply for the additional card.
9. Minimum 12-month rental in Canada. Certain conditions apply. Details are available at our branches. For safety deposit box fees, see Your Guide to Personal Banking Solutions.
10. Subject to credit approval by National Bank. Upon receipt of each statement, the borrower must pay a minimum instalment to the Bank that corresponds to the sum of the interest and insurance premiums charged to the account for the period covered by the statement, and any other amount required to ensure the account's debit balance does not exceed the credit limit. This minimum instalment must be made without using the line of credit.
11. Subject to credit approval by National Bank. Interest rate on the All-In-One (line of credit portion) as at October 25, 2018: ${p1.tauxBase|percent:"true"} + 1%
This rate is variable and corresponds to Prime + 1%, and is one of the lowest rates on the market. "Prime" means the annual variable interest rate posted by National Bank from time to time, used by the Bank to determine the interest rates on the demand loans it grants in Canadian dollars in Canada. Consult the prime rate webpage to find out the day's rate.
The “Prime rate” means the annual variable interest rate posted by National Bank, from time to time, and used by the Bank to determine the interest rates on the demand loans it grants in CDN$ in Canada. Visit nbc.ca/primerate for the rate in effect.
12. This offer must be renewed annually on presentation of identification and proof of professional status.
Monthly account statement. No management fees. The Personal Flex Line rate is established by the prime rate, plus a spread established by the client’s credit history. As a guideline, the applicable rate for a typical Personal Flex Line is comprised of the prime rate + 2.75%. Once an amount is borrowed from the line of credit, it accrues interest. The minimum monthly payment is limited to the monthly interest and life insurance premiums (as applicable). Examples of credit fees calculated over a 30-day period at the applicable rate as at March 31, 2020.
Average balance | ||
---|---|---|
$500 | 3,000$ | |
Typical Personal Flex Line |
$2.14 | $12.82 |
Prime rate (2.45%) |
$1.01 | $6.04 |
The typical Personal Flex Line is a faithful representation of all Personal Flex Lines of Credit offered by National Bank. Note that the Prime rate can change. For more information on the current rate, please visit nbc.ca/primerate.
13. National Bank reserves the right to end, without notice, the discounts and other advantages offered in the banking offer if the client closes his eligible bank account. In the event that the client cancels his eligible Mastercard account or replaces it with a Mastercard account that is not eligible for the offer, National Bank will charge a fixed monthly fee of $12.95 to the transactional bank accounts, to allow the client to maintain the discounts and the other advantages of the banking offer.
14. For more details, contact an advisor.
15. Financial planning services are offered through subsidiaries of National Bank. Financial Planners provide their services on behalf of National Bank Investments Inc., a wholly owned subsidiary of National Bank of Canada.
16. The commissions shown are for trades carried out online. For more information about commissions and general fees, please refer to our brochure.
17. Trades must involve 100 or more ETF units and must be carried out using our electronic solutions. Clients must also sign up to receive all their documents electronically.
18. Special monthly fees of $2.95 (individual) or $4.45 (family) plus tax for SECURIZONE® 2.0 or $4.95 (individual) or $7.50 (family) plus tax for SECURIZONE® Alert. The special rates for National Bank privilege offer will be in effect as long as you benefit from the privilege offer. If you no longer benefit from the privilege offer, the regular monthly fees of $5.95 (individual) or $8.95 (family) plus tax for SECURIZONE® 2.0 or $9.95 (individual) or $14.95 (family) plus tax for SECURIZONE® Alert will be applicable. NBC Assistance Inc. reserves the right to terminate or modify at any time the offer of the SECURIZONE® assistance program reserved for clients benefiting from National Bank privilege offer by sending you a 30-day notice. You are entitled to cancel the program with no penalty if you do not agree to the modifications.
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