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  • $70 Annual Fee
  • $0 Welcome Bonus
  • 1 pt Every $1.50 Spent
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Get up to 1 rewards points per 1.5 dollar spent - Claim this offer

National Bank Platinum Mastercard Overview

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The National Bank Platinum Mastercard is suitable for those who want a rewards card that matches their lifestyle. You can get approved within 5 minutes, and no minimum income is needed.

You can earn up to 2 points for every $1, which you can trade for rewards, offers, and products from a selection of popular brands. Their travel insurance allows you to get up to 10 days of coverage in addition to trip cancellation or interruption insurance.

The National Bank Platinum Mastercard is also an excellent choice to receive an extended warranty on most credit card transactions for up to two years.

The rewards plan includes travel deals, À la carte Travel features and extras and an option to use your rewards points to pay off your credit card balance.

Additionally, you can enjoy generous insurance coverages such as purchase protection against theft or damage, trip cancellation insurance, trip interruption insurance, medical/hospital insurance, flight delay insurance, baggage insurance, vehicle rental insurance, and medical, general, and legal assistance.

On top of that, you get a $0 annual fee for the first year and an additional card for free for the first year.

Essential Information

Network

Mastercard

Provider

National Bank

Card Type

Platinum Card

Rewards

  • 1.5 points for every $1 (you can earn points quicker by adding another card to your account or by going through the À la carte Travel™ online agency.
  • À la carte Rewards Plan® allows you to travel with the agency and airline you prefer.
  • Save on holiday packs and travel tickets when you claim your points through the À la carte Travel online agency.
  • The À la carte Extras allows you to invest, save on banking or pay your mortgage with rewards points.
  • Use your rewards points to pay your credit card balance by accessing your online bank.
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Insurance

The National Bank Platinum Mastercard offers the following coverage:

  • $1,000 in mobile device insurance for up to 2 years
  • Summary and insurance certificate
  • Zero liability (180 days after purchase)
  • Purchase protection for theft or damage (180 days after purchase)
  • Extended warranty with a possibility of extending the manufacturer’s warranty 3x.
  • Up to $1000 trip cancellation insurance (per person)
  • Up to $1500 trip interruption insurance (per person)
  • Up to $5,000,000 of out-of-province-of-residence medical or hospital insurance for ten days(per person)
  • Up to $500 of flight delay insurance over 4 hours (per person)
  • Up to $500 of baggage insurance in case of delay over 6 hours (per person)
  • Up to $1,000 of baggage insurance (per person)
  • Vehicle rental insurance within 48 days
  • Medica, general and legal assistance

Costs and Fees

  • Annual fee: $70
  • Yearly fee for an additional card: $35
  • Purchase rate: 20.99%
  • Balance transfer and cash advance rate: 22.49%
  • Minimum credit limit: $500

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FAQs about the
National Bank Platinum Mastercard

What Is The National Bank Platinum Mastercard?

The National Bank Platinum Mastercard is a credit card suitable for those who have big or small projects. It has numerous benefits such as no minimum income required, rewards, insurance coverages and no annual fee for the first year.

How Does the National Bank Platinum Mastercard?

The National Bank Platinum Mastercard work by giving you a credit limit (minimum $500) for everyday transactions. You can earn 1.5 points for every $1, save on travel deals and even use your rewards points to pay off your credit card balance.

What Are The Fees For The National Bank Platinum Mastercard?

The cost and fees for the National Bank Platinum Mastercard include:

  • Annual fee: $0 for the first year (annual fee will be charged and then reimbursed)
  • Annual fee after the first year: $89
  • Annual fee for an additional card: $35
  • Purchase rate: 20.99%
  • Balance transfer and cash advance rate: 22.49%
  • Minimum credit limit: $500

What Is The Minimum Income Requirement For The National Bank Platinum Mastercard?

The National Bank Platinum Mastercard has no minimum income required. This is an easy way to access a credit credit with numerous benefits and build credit.

Legal disclaimer

See the National Bank Credit Card Agreement. · Details of eligible rewards points · Credit Terms · Insurance · Mobile device protection 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.

National Bank Platinum Mastercard Details

Provider
National Bank
Network Provider
Mastercard
Card Type
Rewards
Rewards Type
Points, Travel
Annual Fee
$0
Purchase Interest Rate
20.99%
Credit Needed
Good (660 - 724)
                                                                                                                    

National Bank Platinum Mastercard Offices

Phone Number
1-888-835-6281
Email
sbc-abs@nbc.ca
Hours
Monday to Friday, 7 a.m. to 10 p.m. (ET) Saturday and Sunday, 8 a.m. to 8 p.m. (ET)
Address
600 De La Gauchetière Street West, 4th Floor Montreal Quebec H3B 4L2 Canada
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National Bank Platinum Mastercard Card Details
  • Min. Credit :
    Good (660 - 724)
                                                                    
  • Card Type : Rewards
  • Reward Type : Points, Travel
  • Providers : National Bank
  • Network Provider : Mastercard
National Bank Platinum Mastercard Social Media
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