Offers
Welcome Bonus
Eligible new applicants for the National Bank Platinum Mastercard can receive a welcome bonus of up to 25,000 À la Carte rewards points:
- 10,000 points: sign up for payment insurance* for at least the first 3 months.
- 5,000 points: $2,500 in net purchases in the first 3 months after enrolment
- 10,000 points: $10,000 in net purchases during the first 12 months**
- Reimbursement of annual fees in the first year for the primary cardholder and the first additional user
Earning À la Carte Rewards Points
The National Bank Platinum Mastercard earns À la carte rewards points for all purchases made on the card:
- Groceries & Restaurants:
- 2 À la carte rewards points per dollar spent when the total gross monthly amount charged to the credit card, regardless of the category, is between $0 and $1,000
- 1.5 À la carte rewards points per dollar spent when the total gross monthly amount charged to the credit card, regardless of the category, is over $1,000
- 1.5 À la carte rewards points per dollar spent on Gas and electric vehicle charging purchases, recurring bill payments, and À la carte Travel Agency purchases.
- 1 À la carte rewards point per $1.50 spent on all other eligible purchases.
Redeeming À la Carte Rewards Points
À la Carte Rewards points should be redeemed for travel purchases, as the best value for À la carte rewards points is to redeem them against travel purchases made through the À la carte rewards travel agency, as points will be worth 1 cent per point with this redemption option.
A close second is to redeem them against travel you have booked on your own, as points will be worth 0.833 cents per point with this redemption option.
Points can also be redeemed for statement credits, contributions to an investment account, gift cards, or merchandise, but these are much lower-value redemption options compared to using your points for travel.
Fees & Eligibility
| Personal Income | $0 |
| Household Income | $0 |
| Annual Fee | $70 |
| Foreign Exchange Fee | 2.50% |
| Purchase Rate | 20.99% |
| Cash Advance Rate | 22.49% |
| Balance Transfer Rate | 22.49% |
Insurance Coverage
The National Bank Platinum Mastercard offers several types of insurance coverage:
- Emergency medical insurance: Coverage of up to $5,000,000 for 10 days of any out-of-province trips for travelers aged 76 or under (maximum length of trip can be 10 days)
- Trip cancellation insurance: Up to $1,000 per person
- Trip interruption insurance: Up to $1,500 per person
- Flight delay insurance: Up to $400 per person on a minimum 4-hour delay
- Delayed, lost, damaged, or stolen baggage insurance: Up to $1,000 per person (up to $500 for baggage delay)
- Rental car insurance: Comprehensive coverage for cars up to $65,000 MSRP
- Purchase protection: Coverage for accidental physical damage or theft for 180 days from the date of purchase
- Extended warranty: Triple the manufacturer’s original warranty up to two additional years
- Mobile device insurance: $1,000 coverage for theft, loss, or accidental damage to your mobile device
Refer to the National Bank Platinum Mastercard insurance certificate for additional details, including terms and conditions for eligibility.
Other National Bank Cards
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|---|---|---|
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None Estimated value: $0 |
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Legal
Credit Terms
Grace period: No interest will be charged on purchases made during the month, provided the client pays the balance in full within twenty-one (21) days of the statement date. This grace period does not apply to cash advances or balance transfers. Minimum payment: If your account balance is lower than $10, you must pay the entire balance. If you reside in the province of Quebec, your minimum payment will correspond to 5% of the credit card account balance plus any overdue payment or $10, whichever amount is higher. If you reside outside of Quebec, your minimum payment represents 2.5% of the credit card account balance plus any overdue payment or $10, whichever amount is higher. Account statement: A statement is sent monthly.
Example of credit charges over a 30-day period
| Annual interest rate | Average balance |
|
| $500 | $3,000 | |
| 22.49% | $9.24 | $55.45 |
| 20.99% | $8.63 | $51.76 |
| 12.95% | $5.32 | $31.93 |
| 8.95% | $3.68 | $22.07 |
*Variable interest rate in effect on September 1, 2021
Balance transfer and cash advance are subject to credit approval by National Bank. Each balance transfer must be at least $250.
Details of eligible rewards points
Certain restrictions apply. For more information, consult the Rewards plan section or the Plan rules regarding how to earn points.
*Groceries and restaurants: The amount of points earned on grocery and restaurant purchases depends on the total gross monthly amount charged to the credit card account, regardless of the purchase category. You will earn 2 points for every dollar in eligible grocery and restaurant purchases until a total of $1,000 in gross monthly purchases is charged to the account. After that, you will earn 1.5 points per dollar in eligible grocery and restaurant purchases. The total gross monthly amount is calculated based on your monthly billing period. Grocery purchases include any purchase made at a store that primarily sells food, i.e., grocery store, delicatessen, supermarket, greengrocer or speciality food store. Ready-to-eat meal services and meal delivery services are eligible. This definition excludes purchases made at retail stores and big box stores whose core business is the sale of non-food items. Certain merchants may sell products and services that appear identical or similar to those sold by eligible merchants, or may be separate merchants located on the same premises as eligible merchants, but are classified in different categories by Mastercard. For purchases at other merchants, you will only earn regular rewards points. Restaurant purchases include purchases at a restaurant, fast food restaurant, bar, nightclub or pub.
Gas and electric vehicle charging: To earn 1.5 points per dollar in purchases, you will need to purchase gas or an electrical vehicle charge from a service station or from certain big box stores. Certain merchants may sell products and services that appear identical or similar to those sold by eligible merchants, or may be separate merchants located on the same premises as eligible merchants, but are classified in different categories by Mastercard. For purchases at other merchants, you will only earn regular rewards points.
Recurring bill payments: Recurring bill payments are defined as monthly or regular payments automatically charged by a merchant to your National Bank Platinum Mastercard credit card. Not all merchants offer recurring bill payments, and not all recurring payments are considered recurring bill payments. Certain payments therefore may not entitle you to earn more points.
À la carte TravelTM: To earn 1.5 points per dollar in purchases, you must make your eligible purchases via the À la carte Travel TM Agency section of our À la carte RewardsTM site.
Other purchases: For example, if each month you charge $400 in groceries, $200 in gas, $100 in recurring bill payments and $150 in other purchases to your card, your $850 in purchases will earn you 1,350 points, as follows: 800 points for grocery purchases (since the total gross monthly amount is $850, i.e., under $1,000), 300 points for gas purchases, 150 points for recurring bill payments and 100 points for other purchases.
Travel and health insurance conditions
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, their 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.
Mobile device protection
The device must have been purchased using your National Bank Platinum Mastercard credit card, or your phone plan must be paid via recurring payments charged to your National Bank Platinum credit card starting September 1, 2022. For complete terms and conditions, please consult the insurance certificate associated with your card.
Length of the welcome promotion
From December 2nd, 2025 to February 2nd, 2026
Eligibility conditions
- Sign up for a National Bank® Platinum Mastercard® credit card during the promotion as a primary cardholder.
- Have not held a personal National Bank Mastercard credit card as a primary cardholder during the past 24 months.
- Keep the credit card account open until the rewards points are paid.
- Keep the account in good standing while complying with the conditions in the Credit Card Agreement, until the rewards points are paid. For example, all minimum payments must be made on time.
- Not be employed by National Bank or an entity in its group.
Description of the promotion
Up to 25,000 reward points upon enrollment and the annual fees refunded for the first year for the primary cardholder and the first additional authorized user.
Annual fees
No annual fees for the first year for the primary cardholder and the first additional authorized user.
We will charge annual fees to the account of your new card and reimburse those fees to you. You will receive this reimbursement within five months of opening your account, provided that your account remains open and in good standing. It will appear on your statement in the form of a credit.
To benefit from the annual fee discount for the first additional authorized user’s card, you must add it to the account opening request.
Annual fees related to other authorized users’ cards are not eligible for this promotion.
Rewards points
| Points offered | Conditions | When points are awarded to the account |
| 10,000 | Enrolment in payment insurance* for at least the first three months | In the two months following the minimum enrolment period for payment insurance.** |
| 5,000 | $2,500 in purchases in the first three months** | By the end of the 6th month after enrollment.** |
| 10,000 | $10,000 in purchases in the first 12 months** | By the end of the 15th month after enrollment.** |
*To apply for payment insurance, you must complete the Credit Card Payment Protection Plan (CCPP) section 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 for the card on December 15, you have until February 15 to make the required purchases to receive the points which will be credited to your account by the end of June 2025.
How total purchases are calculated
The calculation is for the total amount of purchases made through all cards linked to the account. The transactions not included in the calculation are set out in article 1.5 of the À la carte Rewards PlanTM.
Other conditions
- You can only take advantage of the promotion once.
- Issuance of the card is subject to credit approval by National Bank of Canada. Other conditions apply to the issue of the card.
- This promotion may not be combined with any other promotion or offer applicable to National Bank credit cards, nor is it retroactive.
- This promotion may be modified or withdrawn without notice.
FlyerFunds Terms
The $100 promotional cash rebate (‘FlyerFunds’) is offered by Frugal Flyer and is only valid online through Frugal Flyer. This offer cannot be combined with any other offer from Frugal Flyer and is subject to change without notice.
To be eligible for this offer and receive a $100 promotional cash rebate from Frugal Flyer:
- Applicants must apply through Frugal Flyer during the offer period (July 1 to August 31, 2025), provide their email address in the NBC application form and receive NBC’s approval confirmation for the Platinum Mastercard® credit card.
- The $100 cash rebate is only available for successful Platinum Mastercard® credit card applicant who meet all requirements.
- The $100 cash rebate will not be eligible for non-featured products that customers might get approved for.
- Applicants must not have held one of National Bank Mastercard credit card for individuals over the past 24 months. NBC employees are not eligible for this offer.
Other little details that matter:
- Please note it can take up to 30 days for the National Bank of Canada to process and confirm the status of your application. Following this, it can take up to 4 weeks for Frugal Flyer to receive confirmation of your approval status.
- Once Frugal Flyer receives confirmation of your Platinum Mastercard® approval from National Bank, your $100 cash rebate will be sent via PayPal to the email address associated with your Frugal Flyer account. Eligible applicants cannot receive more than one cash rebate.
- National Bank is not responsible or liable for any aspect of this offer. This promotion is not it retroactive.
- ™MYCREDIT is a trademark of National Bank of Canada.
- ®MASTERCARD AND TAP & GO are registered trademarks, and the circles design is a trademark of Mastercard International Incorporated. Authorized user: National Bank.
Disclaimer: these responses are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.