Earn points and treat yourself
Pay your card balance or redeem your points for items, gift cards, travel discounts and more in our online boutique. How do points work?
Travel exclusives
Enjoy unlimited access to the National Bank Lounge at Montréal-Trudeau Airport 4 and get up to a $150 refund per year on your travel expenses (seat selection, airport parking and more). 5
Extended warranty on your purchases
Get up to triple the manufacturer’s warranty for most items purchased using your credit card, for up to 2 additional years. 7
In addition to offering you travel benefits, the National Bank World Elite ® Mastercard ® credit card helps you earn rewards points that vary according to the categories of common purchases. Here's how your points work.
* For the first installment of $2,500 in gross monthly purchases charged to the account, regardless of the purchase category. After that, you will earn 2 points per dollar in eligible grocery and restaurant purchases.
Here’s a look at what your monthly points accumulation with your World Elite Mastercard credit card could look like.
Groceries* For the first installment of $2,500 in gross monthly purchases charged to the account, regardless of the purchase category.
Redeem your points for rewards: items, gift cards, travel discounts and much more! Here are some ideas to help inspire you.
Points needed $50 gift card Pay $100 off your card balance Wireless headphonesVisit our online boutique to see our new homepage and the improvements we made to the online shopping experience on À la carte Rewards. While you’re there, treat yourself by redeeming your reward points today. Visit our online boutique
Think about adding an additional credit card to your account, for your spouse for example. To learn more about how you can quickly earn rewards points, read more here.
As a World Elite ® Mastercard ® cardholder, you benefit from free and unlimited access with a guest and two children aged 12 or under 4 to the National Bank Lounge at Montréal-Trudeau Airport. Free Wi-Fi, drinks, snacks and newspapers: waiting for your departure has never been so comfortable!
Best credit card for overall insurance
Best travel credit card*
Best Mastercard credit card*
Best credit card for travel insurance*
Completing an application only takes 5 minutes.
Check out the Platinum Mastercard ® credit card
Apply online in minutes.
Come see us or give us a call and we'll answer all your questions.
Call us toll free:Rewards points
| Points offered | Conditions | When points are awarded to the account |
|---|---|---|
| 5,000 | Sign up for credit card payment insurance for at least the first 3 months.* | Within five months of the minimum period of enrollment.** |
| 5,000 | $5,000 in purchases in the first 3 months. | At the end of the 6th month after enrollment.** |
| 10,000 | $10,000 in purchases in the first 6 months. | At the end of the 9th month after enrollment.** |
| 20,000 | $15,000 in purchases in the first 12 months. | At the end of the 15th month after enrollment.** |
*To apply for payment insurance, you must complete the Credit Card Payment Protection Plan (CCPP) section in the credit card application form.
**The purchase calculation period starts on the date you sign up for the card. For example, if you sign up for the card on June 15, you have until September 15 to make the required purchases to receive the points which will be credited to your account by the end of December 2024.
How the total purchase amount is calculated
The calculation uses the total purchases charged for all cards linked to the account. Transactions that are not included in the calculation are set out under section 1.5 of the A la carte Rewards Plan ® .
Other conditions
Annual fee 2
Annual fee for additional card
Purchase rate
Balance transfer and cash advance rate 2-3
Minimum credit limit 8
Number of points per $ spent 1
Groceries and restaurants 6 :
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.
Gas and electric vehicle charging: 2 points per dollar in eligible purchases 10
Recurring bill payments: 2 points per dollar in purchases 11
À la carte Travel TM : 2 points per dollar in purchases 12
Other purchases: 1 point per dollar in purchases 13
Travel deals 1
With the À la carte Rewards TM , you have the freedom to travel with the agency and airline of your choice. For more information on travel rewards, go to rewards.nbc.ca.
À la carte Travel
Save on vacation packages and airline tickets when you redeem your points through the À la carte Travel TM 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 ®
Pay with rewards points
Pay your credit card balance with your rewards points directly in your online bank.
For more details, visit our Pay with rewards points page.
Summary and insurance certificate
Zero Liability 9
Purchase protection in the event of theft or damage 7
$ days following the purchase date
Extended warranty 7
Trip cancellation insurance 7
Up to $2,500 per person
Trip interruption insurance 7
Up to $5,000 per person
Out-of-province-of-residence medical/hospital insurance 7
Up to $5,000,000 per person:
If your trip exceeds these time frames, you will not be covered.
Departure flight delay insurance 7
Up to $500 per person (over 4 hours)
Baggage insurance in case of delay 7
Up to $500 per person (over 6 hours)
Baggage insurance in case of theft or loss 7
Up to $1,000 per person
Vehicle rental insurance 7
Against collision, theft or damage for a period of 48 days or less
Medical, general and legal assistance 7
Mobile device insurance
Up to $1,000 in the event of accidental breakage, loss or theft for a maximum of 2 years after the purchase date 14
Customer service (24/7)
À la carte Rewards Centre
Travel fee reimbursement
Insurance claim and assistance
Lost or stolen card
Chargeback
To learn more about the terms applicable to your card, read the $ [PDF].
There are two main elements of a joint credit card:
Please remember that the primary cardholder is responsible for paying any outstanding balances and managing the account. This also means that they’re the ones who will receive any cashback generated by the account. If any disagreements or separations occur, the authorized users and primary cardholder must agree on how to proceed.
The authorized user doesn’t receive a statement and doesn’t have access to transaction details and account information, including the credit card limit. However, both cardholders can enjoy the benefits of their card. They can also change their respective PINs, as well as cancel or replace their cards.
How do I get a joint credit card?
If you’re applying for a new credit card, answer “Yes” to the “Do you need an additional card” question in our application form.
If you’d like an additional card for an existing account, fill out our credit card application or call us at 1-888-622-2783.
Please note that there’s an annual fee for an additional credit card.
To learn about how we protect your information, consult our Confidentiality Policies.
®Mastercard et World Elite are registered trademarks, and the circles design is a trademark of Mastercard International Incorporated. Authorized user: National Bank.
® The À LA CARTE REWARDS logo is a registered trademark of National Bank of Canada.
® À LA CARTE REWARDS PLAN is a registered trademark of National Bank of Canada
® Apple Pay is a trademark of Apple Inc., registered in the U.S. and other countries and regions. Apple Inc. is not a sponsor of or participant in National Bank Mobile Banking Solutions.
® Google Pay is a trademark of Google LLC and this content is not endorsed by or affiliated with Google in any way.
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 À LA CARTE REWARDS is a trademark of National Bank of Canada.
®THE TOTAL, THE CONNECTED, AND NATIONAL BANK are registered trademarks of National Bank of Canada.
* World Elite ® Mastercard ®
National Bank's World Elite ® Mastercard ® credit card has won the Milesopedia 2024 awards for best travel credit card, best Mastercard ® credit card, and best credit card for travel insurance. Each year, Milesopedia examines the credit card offers of the largest financial institutions and establishes its ranking according to more than 150 criteria such as fees, welcome offers, minimum income required, number of points per category, account credits, insurance, airport lounge access, etc.
1. Certain restrictions apply. For more information, consult the Rewards plan section or the Plan rules regarding how to earn points.
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
*Variable interest rate in effect on September 1, 2021
3. Balance transfer and cash advance are subject to credit approval by National Bank. Each balance transfer must be at least $250.
4. Exclusively available to World Elite Mastercard cardholders. Visitors must present their physical credit card and boarding pass to access the National Bank Lounge. The National Bank Lounge is only available to clients travelling to international destinations (excluding Canada and U.S. flights). You benefit from free and unlimited access with a guest and two children aged 12 or under. Guests cannot spend more than three (3) hours in the Lounge. National Bank clients who are not World Elite® Mastercard® cardholders can also access the lounge while enjoying a 25% discount on these rates:
The entrance fee is subject to change without notice and is the responsibility of the lounge operator.
5. Clients must submit required documents within the given deadline. Certain conditions may apply. Only the primary cardholder (“Cardholder”) of National Bank World Elite Mastercard whose account is in good standing can request a refund of travel expenses. An account in good standing refers to an account linked to a credit card which complies with the Agreement governing the use of the credit card and which is not subject to any restrictions. For example, the annual fees related to the credit card must have been paid in full. The maximum amount that can be submitted for reimbursement between January 1 and December 31 of each year is $150.
Eligible expenses include:
The claim must be submitted within 60 days of the purchase date and accompanied by proof of purchase. The travel fees must be charged to the National Bank World Elite Mastercard credit card. The maximum reimbursement amount is $150 per account. The refund will be issued within 7 business days following the request approval date and after receiving all required information. An amount not claimed in a year cannot be carried over to the following year. For more information or to obtain the refund form, sign in to rewards.nbc.ca, click the Refund of travel expenses tab and complete the form, you can also contact us at 1-888-296-8881 (toll-free).
6. 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 5 points for every dollar in eligible grocery and restaurant purchases until a total of $2,500 in gross monthly purchases is charged to the account. After that, you will earn 2 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 specialty 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 ® .
7. 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.
8. Subject to credit approval by National Bank.
9. Certain conditions apply. Visit mastercard.ca for more information. Refer to the credit card terms and conditions.
10. To earn 2 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 ® .
11. Recurring bill payments are defined as monthly or regular payments automatically charged by a merchant to your National Bank World Elite 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.
12. To earn 2 points per dollar in purchases, you must make your eligible purchases via the À la carte Travel TM Agency section of our À la carte Rewards TM site.
13. 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 2,750 points, as follows: 2,000 points for grocery purchases (since the total gross monthly amount is $850, i.e., under $2,500), 400 points for gas purchases, 200 points for recurring bill payments and 150 points for other purchases.
14. Up to $1,000 in the event of breakage, loss or theft for a maximum of 2 years after the purchase date. The device must have been purchased using your National Bank World Elite Mastercard credit card, or your phone plan must be paid via recurring payments charged to your National Bank World Elite credit card starting September 1, 2022. For complete terms and conditions, please consult the insurance certificate associated with your card.