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  • $39 Annual fee
  • $0 Welcome Bonus
  • 0% Rewards Rate

MBNA True Line Gold Mastercard Overview

The MBNA True Line Gold Mastercard offers cardholders some of the best permanent low-interest rates. For a low annual fee of $39, you will have a standard interest rate on purchases of 8.99%.

This is a great bargain for anyone carrying a lot of credit card debt. And anyone who needs a card that has low-interest rates.

With the MBNA True Line Gold Mastercard, you can consolidate your debt and avoid high-interest charges. You can use your card for everyday purchases without bearing harsh charges as well.

Besides the low rates, you will receive several benefits. This includes purchase assurance and an extended warranty. You can also authorize up to nine users to use your card without paying an extra fee.

In addition, you will unlock perks such as Apple Pay, emergency services, Mastercard® Contactless, and Mastercard® Zero Liability. Also, you can save when renting a car with Avis or Budget in Canada, the U.S. and internationally.

There’s one less hurdle to jump with no income requirement on the MBNA True Line Gold Mastercard. Bear in mind that this offer is not available for Quebec residents.

MBNA has dedicated customer support. Therefore, issues you have with transfers or the daily use of your card can be easily addressed. You will also receive around-the-clock fraud protection.

Essential Information





Card Type

Low interest


Although you won’t gain cashback with the MBNA True Line Gold Mastercard, you will benefit from low-interest rates.

Low-Interest Rates

You can expect these rates as an MBNA True Line Gold Mastercard cardholder:

  • 8.99% for purchases
  • 8.99% for balance transfers
  • 24.99% for cash advances

Other Perks

  • Purchase protection for 90 days from the date of purchase. Each account has a lifetime total accumulative limit of $60,000.
  • Up to one additional year for written warranties when you make new purchases with your MBNA True Line Gold Mastercard.
  • Access to emergency services such as card replacement, which will deliver a new card to you within 7 to 10 days.
  • During business hours, easily submit a request to increase your credit limit. Also, while travelling abroad, you can get a cash advance at the bank or an ATM.
  • Trip and legal assistance, including pre-trip information and legal advice, lost documents and ticket replacement and lost luggage support.
  • Savings for Avis and Budget car rentals of 10% off the base rate in Canada and the U.S. and 5% off internationally.
  • Make safe and wireless payments at participating merchants with Mastercard® Contactless. You can also make contactless payments at millions of international locations with your MBNA credit card.
  • Mastercard® Zero Liability for unauthorized credit card purchases made in-store, online, over the phone, at an ATM, or on mobile.

Costs and Fees

  • Annual fee: $39
  • Interest rates for purchases: 8.99%
  • Balance transfer and access cheque interest rate: 8.99%
  • Interest rates for cash advances: 24.99%
  • The interest-free grace period on new purchases: 21 days
  • Foreign currency conversion rate: 2.5%
  • Minimum ATM withdrawal fee: $7.50
  • Minimum over the counter (OTC) fee: $7.50
  • Overlimit fee: $29 per statement period


Who’s the MBNA True Line Gold Mastercard Right For?

Anyone with high credit card debt can benefit from this low-interest card. However, to avoid worsening your credit situation, you should consider whether $39 is worth paying.

If you have a handle on your credit card expenses, this card is for you. It’s also suited for you if you’re looking for a card that won’t charge you high amounts of interest.

What Criteria Must I Meet to Qualify for This Card?

  • Be the age of majority in your province
  • Be a Canadian resident
  • Have a source of income
  • Have a credit score of at least 660+

What’s the Income Requirement for This Card?

There’s no explicit income requirement for the MBNA True Line Gold Mastercard. At a minimum, you must have a source of income to cover the annual fee and statement balance.

What Interest Rate Is Offered on the MBNA True Line Gold Mastercard?

This card has a low-interest rate of 8.99% on purchases and balance transfers. The rate for cash advances is 24.99%.

What’s the Difference Between the Standard and Basic Rate on the MBNA True Line Gold Mastercard?

If you make late payments in two consecutive statement periods on your card, you’ll be charged a higher rate. This is known as the basic rate, and these rates will apply:

  • 99% for purchases
  • 99% for balance transfers and access cheques
  • 99% for cash advances

How Do I Get a Cash Advance?

You can get a cash advance at an ATM, bank, or any other location that accepts Mastercard or Visa.

Can I Transfer Balances to My MBNA True Line Gold Mastercard? How Do I Go About It?

Yes. You can make a balance transfer request after registering for online banking. Balances can be transferred for up to three credit card accounts or loans from other creditors.

Are There Restrictions for Balance Transfers?

The total balance transfer value must be within your credit limit. You may not use a balance transfer to pay off another MBNA account.

MBNA True Line Gold Mastercard Details

Network Provider
Card Type
Balance Transfer, Low Interest
Annual Fee
Purchase Interest Rate
Cash Advance Rate
Balance Transfer Rate
Credit Needed
Fair (560 - 659)

MBNA True Line Gold Mastercard Offices

Phone Number
Monday to Sunday, 7 am to 12 am EST
1600 James Naismith Drive Ottawa ON K1B 5N8 Canada
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MBNA True Line Gold Mastercard Card Details
  • Min. Credit :
    Fair (560 - 659)
  • Card Type : Balance Transfer, Low Interest
  • Providers : MBNA
  • Network Provider : Mastercard
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