The National Bank Platinum Mastercard earns up to 2x À la Carte points on grocery purchases.
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.
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.
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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 |
| 12.90% | $5.30 | $31.81 |
| 8.9% | $3.66 | $21.95 |
*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.
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. For a full list of Mastercard codes associated with eligible merchants, download the terms and conditions of the À la carte Rewards Plan®.
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. For a full list of Mastercard codes associated with eligible merchants, download the terms and conditions of the À la carte Rewards Plan®.
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.
To earn 1.5 points per dollar in purchases, you must make your eligible purchases via the À la carte TravelTM Agency section of our À la carte RewardsTM site.
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.
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