TM CX Index and Forrester are trademarks of Forrester Research inc. National Bank of Canada received the highest CX Index™ score among credit card issuers in Canada in Forrester’s proprietary 2021 CX Index™ survey. The ranking was based on responses from 8,840 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. ®ALLURE and NATIONAL BANK are registered trademarks of National Bank of Canada. ®Mastercard and Tap and Go are registered trademarks, and the circles design of the logo is a trademark of Mastercard International Incorporated. National Bank is an authorized user. TM ID Check and Identity Check are trademarks of Mastercard International Inc. Authorized user: National Bank. 1. The cashback is based on a point-accumulation system. You get 1 point for every $2 you spend using your Allure Mastercard® credit card, providing your account is in good standing. Once a year, in January, you will receive a $10 cashback for every 1,000 points earned. The cashback will be paid as a credit applied to your account and cannot be paid in cash. Your account is considered to be in good standing when you fulfill the obligations under your cardholder agreement (e.g., make the minimum payment by the due date). Interest charges, annual fees, balance transfers, cash advances, service charges, insurance premiums, promotional Mastercard cheques and refunded purchases are not eligible for rewards points. For details, see the Terms and conditions [PDF]. 2. Grace period: No interest will be charged on purchases made during the month, provided the client pays the balance in full within 21 days of the statement date. This grace period does not apply to cash advances or balance transfers. Minimum payment: If the account balance is less than $10, the balance is due in full. If you reside in Quebec, the minimum payment will be equal to 5% of the account balance plus any overdue amount or $10, whichever is higher. If you reside outside of Quebec, the minimum payment will be equal to 2.5% of the account balance plus any overdue amount or $10, whichever is higher. Account statements are sent out monthly. *Variable interest rate in effect on September 1, 2021. 3. Balance transfers and cash advances are subject to credit approval by National Bank. Each balance transfer must be at least $250. 4. The 10% discount on gift cards applies to the full amount of purchases on yourallure.ca. Gift cards can be redeemed with Allure partners: Amerispa, Banana Republic, Gap, Old Navy and Winners/HomeSense/Marshalls. Choice of gift card amounts: $25, $50 or $100. No discounts will be granted in store upon presentation of an Allure card. Lost, stolen or damaged gift cards cannot be replaced. The list of Allure partners can be changed without notice. Gap, Old Navy and Banana Republic gift cards can be used at any Gap, Old Navy or Banana Republic store in North America. Gift cards can be used to purchase in-store items only. If you have any questions concerning Gap, Old Navy or Banana Republic gift cards, call (respectively) 1-800-GAP-STYLE, 1-800-OLD-NAVY or 1-888-BR-STYLE. 5. Purchase protection applies provided the purchases or expenses are charged to the National Bank Allure Mastercard® credit card account. Certain conditions and restrictions apply. For more information, please consult the insurance certificate for your credit card. 6. Extended warranty coverage applies to most new articles purchased with the card, in Canada or abroad, provided the manufacturer's warranty is valid in Canada. Certain conditions and restrictions apply. For more information, please consult the guarantee certificate for your credit card. 7. Certain conditions apply to the Zero Liability protection. Visit mastercard.ca for more information. Refer to the credit card terms and conditions. 8. National Bank donates $0.10 for every $10 charged to an Allure Mastercard® credit card account over a 12-month period to the Quebec Breast Cancer Foundation. The annual donation is capped at $750,000. 9. Subject to credit approval by National Bank. Terms and conditions apply. · Contribution to QC Breast Cancer Foundation · Credit Terms · Cashback details · Purchase protection and Extended warranty Cashback details The cashback is based on a point-accumulation system. You get 1 point for every $2 you spend using your Allure Mastercard® credit card, providing your account is in good standing. Once a year, in January, you will receive a $10 cashback for every 1,000 points earned. The cashback will be paid as a credit applied to your account and cannot be paid in cash. Your account is considered to be in good standing when you fulfill the obligations under your cardholder agreement (e.g., make the minimum payment by the due date). Interest charges, annual fees, balance transfers, cash advances, service charges, insurance premiums, promotional Mastercard cheques and refunded purchases are not eligible for rewards points. For details, see the Terms and conditions [PDF]. 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