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Platinum Mastercard

Enjoy benefits and rewards of up to $400 the first year (minimum annual purchase amount required)*

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PROMO: $300 cashback*

1 point

per dollar spent1

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Annual fee


Purchase rate


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

How do I take advantage of my rewards?

The National Bank Platinum Mastercard offers you the equivalent of $400 in rewards the first year when you reach the required minimum purchase amount*. Here is the value of each benefit.

$100 in reward points1 (with $1,250 in purchases/month)

Current offer: $300 cashback

Customer experience

National Bank ranks #1 among credit card issuers for Customer Experience according to the 2021 Forrester CX IndexTM. Sign up for a credit card and take advantage of a number of features and free services. 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

Travel agency

Travel agency

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

Travel deals

Travel deals

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

Purchase protection

Purchase protection

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

Pay with points

Rewards that pay off

Pay your card balance, invest in a Financial product or pay your mortgage with your rewards points or our À la carte Extras program®.

Dedicated online store

Dedicated online store

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

Not sure yet?

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Completing an application takes just a few minutes.

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Little details that matter

Eligibility criteria





Annual fee and interest rate

Annual fee2


Annual fee for additional card


Purchase rate


Balance transfer and cash advance rate2,3


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 

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

À la carte Extras

Invest in a financial product, save on your banking packages or pay your mortgage with your rewards points thanks to the À la carte Extras program®

Repayment with rewards points

Pay your credit card balance with your rewards points directly in your online bank

For more details, visit our Repay with points program page.


Summary and insurance certificate

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Zero Liability5


Purchase protection against theft or damage4

${p1.assuranceAchats} days following the purchase date

Extended warranty4


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


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

*The potential benefit amount of $400 is an example of what a Platinum cardholder could obtain the first year, after signing up. This example is based on a cardholder who charges $15,000 to their card every year, enjoy the $300 cashback promotion with his $4,000 net purchases the first 3 months. The amount was calculated as follows: $15,000 in expenses per year equalling 15,000 reward points, which is equivalent to more than $100 in electronic gift cards ($100 for every 12,500 points) or travel discounts ($100 for every 12,000 points). Certain eligibility conditions apply. The potential benefit amount varies depending on the annual expenses charged to the account. 


Offer valid from October 26, 2020 to January 31, 2021 for Platinum, World® and World Elite® credit cards. Credit card is issued subject to credit approval by National Bank. Certain conditions apply.

World and World Elite:

The annual fees for the card will be refunded for the first year. They will appear as a charge and credit on the first or second statement after your account is opened. 

Platinum, World and World Elite:

You will receive a $300 cashback if $4,000 in net purchases is charged to the eligible credit card account within the first three months following enrolment. The cashback will be credited to your account on the fourth or fifth statement after your account is opened. 

To take advantage of this offer, you must sign up for an eligible National Bank Mastercard credit card before January 31, 2021 and activate it no later than February 15, 2021. 

The offer begins and the net purchases charged to your card are calculated starting the month following the account opening (for example, if the account is opened on November 15, purchases will be calculated starting December 1 and the cashback will be awarded by March 15, 2021). Net purchases between the first and the last calendar day of the month are calculated.

Net purchases refer to the amount in purchases charged to the account less returns and refunds. Annual fees, balance transfers, cash advances, cash transactions, interest charges and any other fees and adjustments are not included in the calculation. The net purchases charged to your card are calculated starting the first day of the month following the account opening. 

The account must be in good standing for the cashback to be awarded.

Employees of National Bank and its subsidiaries and entities are not eligible for the offer. National Bank reserves the right to end this promotion at any time without notice.

This promotion is intended for individuals who do not have a National Bank Mastercard credit card and have not held a National Bank credit card within the last 24 months. 

The offer is not applicable when opening an additional card. This offer cannot be combined with any other National Bank promotion.

TM National Bank of Canada received the highest CX Index™ score among credit card issuers in Canada in Forrester’s proprietary 2020-2021 CX Index™ survey. The ranking was based on responses from 9,004 measuring 12 brands. The proprietary survey results are based on consumers’ opinions of the experiences with the brands in the survey. Forrester Research does not endorse any company included in any CX Index™ report and does not advise any person to select the products or services of any particular company based on the ratings included in such reports.

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
















*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 for more information. Refer to the credit card terms and conditions.

6. Subject to credit approval by National Bank

®À LA CARTE EXTRAS is a registered trademark 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 owned by Transat Distribution Canada Inc., holder of permit No. 753141 in Quebec.

TM ID Check and Identity Check are trademarks of Mastercard International Inc. Authorized user: National Bank.

Ready to travel with the Platinum Mastercard®?

Completing an application takes just a few minutes.

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