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platinum-card-300x190.png

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Platinum Mastercard

All the prestige without the artifice

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1 point

per dollar spent1


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Annual fee


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Purchase rate

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Interest rate (balance transfers and cash advances)2-3

For a limited time:

Enroll, receive, receive.

Get up to $480 cashback in the first year, on top of your eligible credit card's benefits.

Offer valid for new cardholders. Minimum monthly purchase required.

Learn more

Benefits of the ${p1.nomProduit}

Comprehensive travel insurance

Comprehensive travel insurance

Enjoy up to 10 days' coverage with our travel, trip cancellation/interruption, baggage loss and car rental insurance.4

Priceless Cities

Urban experiences 

Enjoy unique experiences with Mastercard Priceless Cities®. Get room upgrades, exclusive menus and many other surprises.

Travel deals

Travel deals

Visit the À la carte RewardsTM site to claim any eligible expenses for travel not booked through our online travel agency.

Travel agency

Travel agency

Get more for your points when you redeem them for travel rewards. Call 1‑800‑561‑3653 for information.

Contactless payments

Contactless payments

Spend less time at checkout with Tap & Go® technology! Just tap your card on the reader and you're on your way.

Purchase protection

Purchase protection

Protect your new purchases from loss, theft or damage for up to 180 days after the date of purchase.4

Extended warranty

Extended warranty

Get up to triple the manufacturer's warranty for most items purchased using your credit card.4

Secure online purchases

Secure online purchases

Protect your credit card information by creating a Mastercard SecureCode® for online purchases.

Fraud protection

Fraud protection

Benefit from Mastercard's Zero Liability policy5—you won't be liable for unauthorized transactions completed with your card.

Dedicated online store

Dedicated online store

Redeem your points at our online store where we offer a wide range of rewards from top brands.

Pay with points

Pay with points

Invest in a financial product or pay your mortgage with your rewards points thanks to our À la carte Extras program®.

How to take advantage of your rewards?

  

step 1

Apply for your card

To be eligible you need to:

  • For Canadian resident in age of majority, according to the province or territory where you live 

*See all criteria

Ready to apply? ${p1.urlForms | link:"Apply now":"btn btnRTE3"}

Not sure yet? Compare cards

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Femme achat souliers

  

step 2

Earn points

By charging just $2,000 a month to your card, you can get up to 24,000 rewards points per year and earn up to $200 in travel discounts.

  

step 3

Redeem your points

Ready to get started?

Shop rewards

Is this your first visit?

Create an account

Femme dans un pont

Not sure yet?

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Pack your bags! Completing an application takes just a few minutes.

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Little details that matter

Eligibility criteria

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Annual fee and interest rate

Annual fee2

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Annual fee for additional card

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Purchase rate

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Balance transfer and cash advance rate2,3

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Minimum credit limit6

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Rewards plan

Number of points per $ spent1

$1 in purchases = 1 point

Earn points even faster by adding another card to your account (e.g. for your spouse) or by booking travel through our À la carte Travel™ online agency.

Travel deals1

With the À la carte Rewards Plan®, you have the freedom to travel with the agency and airline of your choice. For more information on travel rewards, go to nbcrewards.ca.

À la carte Travel

Save on vacation packages and airline tickets when you redeem your points through the À la carte Travel™ online agency. Plan your entire trip with hotel and cruise bookings, car rentals and more.
Discover the À la carte Travel online agency

Repayment with rewards points

Repay your credit card balance in your client centre.

For more details, please refer to the Repay with points program.

Insurance

Distribution guide and insurance certificate

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Zero Liability5

Included

Purchase protection against theft or damage4

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Extended warranty4

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Trip cancellation insurance4

Up to $1 250 per person

Trip interruption insurance4

Up to $2 500 per person

Out-of-province-of-residence medical/hospital insurance4

Up to $5 000 000 per person for 10 days (76 and over: no coverage)

If your trip is longer than these time periods, you will not be covered.

Flight delay insurance4

Up to $500 per person (over 4 hours)

Baggage insurance in case of delay4

Up to $500 per person (over 6 hours)

Baggage insurance in case of theft or loss4

Up to $1,000 per person

Vehicle rental insurance4

Against collision, theft or damage for a period of 48 days (theft of personal effects up to $2,000)

Medical, general and legal assistance4

Included

Important phone numbers

Customer service (24/7)

À la carte Rewards Centre

Insurance claim and assistance

Lost or stolen card

Cardholder Agreement

To learn more about the terms applicable to your card, read the${p1.urlConvention.en | link:"Cardholder Agreement":"":"_blank"}[PDF].

Confidentiality Policies

To learn about how we protect your information, consult our Confidentiality Policies.

Legal Disclaimers

OFFER

Terms and conditions

Credit card is issued subject to credit approval by National Bank of Canada. Terms and conditions apply.
Offer valid until February 29, 2020.
Over a 12-month period, get cash back for each (calendar) month you charge a minimum amount in net purchases to an eligible credit card account. The cashback will be credited to the account no later than the 15th of the following month.

$40 cashback per month
Get $40 cashback for each month you charge at least $500 in net purchases to your card (from the 1st to the last day of the month), with a maximum annual rebate of $480.

Net purchases correspond to the amount in purchases charged to the account minus returns and refunds. Annual fees, balance transfers and cash advances are not included in the calculation.

The total amount of monthly net purchases is calculated on the first day of the month after the account has been opened. For example, an account that was opened on September 15 will have its net purchases calculated on October 1 and the first cashback will be made no later than November 15.

The account must be in good standing for the cashback to be awarded.
This promotion applies to all persons and businesses who do not hold and have never held a National Bank credit card in the past 24 months. It cannot be combined with any other offer or promotion related to new National Bank credit cards. National Bank employees and entities of its group are not eligible to this offer. Upgrades and additional cards are excluded from the offer. National Bank reserves the right to modify, extend, or withdraw this promotion at any time without notice.

1. Certain restrictions apply. Please consult the rules governing reward points under Rewards plan.

2. Grace period: No interest will be charged on purchases made during the month, provided the client pays the balance in full within twenty-one (21) days of the statement date. This grace period does not apply to cash advances or balance transfers. Minimum payment: If your account balance is lower than $10, you must pay the entire balance. If you reside in the province of Quebec, your minimum payment will correspond to 5% of the credit card account balance plus any overdue payment or $10, whichever amount is higher. If you reside outside of Quebec, your minimum payment represents 2.5% of the credit card account balance plus any overdue payment or $10, whichever amount is higher. Account statement: A statement is sent monthly.

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 July 1, 2019


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

4. This coverage applies to purchases and rentals charged in part to the card, except out-of-province medical/hospital insurance for which the travel arrangements need not be charged to the card, and lost or delayed luggage insurance where all transportation costs must be charged to the card. This coverage applies to the primary cardholder, his/her spouse and/or dependent children when they (spouse and/or dependent children) travel with the primary cardholder. Extended warranty coverage applies to most new items purchased with the card, in Canada or abroad, as long as the manufacturer's warranty is valid in Canada. Certain conditions and restrictions apply. For more information and for details of your insurance coverage, please consult the insurance certificate associated with your card.

5. Certain conditions apply. Visit mastercard.ca for more information. Refer to the credit card terms and conditions.

6. Subject to credit approval by National Bank

®À LA CARTE REWARDS PLAN and À LA CARTE EXTRAS are registered trademarks of National Bank.

®Mastercard Platinum, Tap & Go and Priceless cities are registered trademarks, and the circles design is a trademark of Mastercard International Incorporated. Authorized user: National Bank.

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

®Mastercard SecureCode is a registered trademark of Mastercard International Inc. National Bank is an authorized user.

Ready to travel with the Platinum Mastercard®?

Completing an application takes just a few minutes.

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