Highlights

  • Earn 2% on the first $500 of combined gas and grocery spend each month; 0.5% after the cap.
  • No annual fee. You can add up to 9 authorized users at no extra annual fee.
  • Includes car-rental collision-damage waiver, common-carrier accidental death and dismemberment, unexpected return home, and purchase protection.
  • Eligible purchases of at least $100 can use the MBNA Payment Plan over 6, 12, or 18 months.
MBNA Smart Cash Platinum Plus Mastercard

Issuer: The Toronto-Dominion Bank (MBNA)
Payment network: Mastercard
Product type: Credit card
Annual fee: $0 primary; up to 9 authorized users at no extra annual fee
Foreign currency conversion fee: yes

This card is in the MBNA Smart Cash Rewards Program and pays cash back as MBNA Dollars. You can redeem MBNA Dollars as a statement credit, an electronic deposit to a personal chequing account, or a donation to a participating charity. Each redemption needs at least 50 MBNA Dollars.

Welcome Offer

【September 4, 2026 update】 5% on gas and groceries for the first 6 months

  • For the first 6 months after the account opens, eligible gas and grocery spend earns 5% on the first $500 combined each month. Amounts over that monthly cap earn 0.5%.
  • One offer per new account. The bonus posts to the MBNA Dollars account about 8 to 10 weeks after the transaction date. MBNA can change or cancel the offer at any time.

Apply through the blog partner cash-back link🔗

Eligibility: Canadian resident and the age of majority in your province or territory.

Everyday Spending

2%: eligible gas and grocery spend. The two categories share the first $500 each calendar month. Amounts over that monthly cap earn 0.5%. Gas is limited to Mastercard merchant category codes 5541 or 5542; groceries to 5411. MBNA uses the payment network’s merchant category code. If one purchase qualifies for more than one category, it earns in only one of them.

0.5%: other eligible spending. Amounts over the combined $500 monthly gas-and-grocery cap also earn at this rate. Cash advances, balance transfers, interest, fees, refunds, and similar credits do not earn MBNA Dollars. The account must stay open and in Good Standing.

Benefits & Insurance

  • MBNA Payment Plan

An eligible credit-card purchase of at least $100 can be paid monthly over 6, 12, or 18 months. Plan eligibility and fees apply. The bank’s website does not publish a fixed fee or rate for this card.

  • Trip Assistance and Legal Assistance

These are assistance services, not insurance, and you do not have to charge travel to this card to use them. They can help with emergency cash transfers, replacing lost documents/tickets, finding or replacing lost baggage, and passport, visa, and vaccine information. Emergency cash transfers are up to $5,000. Legal-adviser referrals, bail, and legal-fee arrangements are up to $5,000. Both require available credit and are charged to the account. Service may be unavailable in countries with political unrest or that the operations centre considers unsafe.

  • Save with Avis Rent A Car and Budget Rent A Car

At participating Avis or Budget locations, charge the full rental to this card and use the stated discount code to save at least 10% on the base rate in Canada and the United States, and at least 5% at other international locations. Avis uses AWD #C078405; Budget uses BCD #A331704. The discount applies only to the base rate. Taxes, other charges, blackout dates, and rental terms are set by the rental company.

  • Mastercard Zero Liability

When the conditions apply, you are not responsible for unauthorized in-store, phone, or online transactions on a Canadian-issued Mastercard. Scope and conditions follow Mastercard and the account agreement.

Official certificate of insurance 🔗

  • Collision Damage Waiver

If the primary cardholder charges the full rental to this card, does not renew it, keeps it to 31 days or less, and declines the rental company’s CDW/LDW when offered, it covers collision damage or theft, valid loss of use, and reasonable towing. The lifetime aggregate per account is $65,000 and does not include third-party injury or property liability. Trucks, RVs, off-road vehicles, motorcycles, luxury/exotic vehicles valued at $65,000 or more, antiques, leased vehicles, and similar exclusions are not covered. Contact the Operations Centre as soon as possible and no later than 48 hours after an accident.

  • Rental Vehicle Accidental Death and Dismemberment

During an eligible rental, accidental bodily injury to the primary cardholder, spouse, children, parents/in-laws, and siblings while in the rental pays up to $200,000 for the primary cardholder’s death or a listed major disability, and up to $20,000 for each other insured person. The per-account, per-accident maximum is $300,000. Illness, suicide, war, intoxication, drugs/poisons, and crime are excluded.

  • Rental Vehicle Personal Effects

For the primary cardholder and a travelling spouse, children, parents/in-laws, and siblings, personal items lost, stolen, or damaged in transit, in a hotel, or in another building during an eligible rental are covered up to $1,000 per insured person per occurrence and $2,000 per account per rental period. This is excess coverage. Cash, tickets or documents, computers/software/phones, and unexplained loss are excluded.

  • Common Carrier AD&D

If the primary cardholder charges all or part of a scheduled common-carrier fare to this card before departure, accidental bodily injury to the primary cardholder, spouse, and dependent children during the trip (including public transport to or from an airport, station, or terminal) pays up to $1,000,000 for death or a listed major disability; $500,000 for loss of one hand or foot, sight in one eye, speech, or hearing; and $250,000 for the thumb and index finger of the same hand. The per-account, per-accident maximum is $1,000,000. Illness, suicide, war, intoxication, drugs/poisons, and crime are excluded.

  • Unexpected Return Home

If the primary cardholder charges all or part of a scheduled common-carrier fare to this card before departure, and an immediate relative dies during the trip, the primary cardholder, spouse, or dependent children can be reimbursed the lesser of the change fee or a one-way economy fare back to the province or territory of residence, up to $2,000 per insured person. You must contact the Operations Centre first so they can arrange it. Extra travel-insurance costs, and amounts already paid, credited, or vouchered, are not covered.

  • Purchase Assurance

After you charge an eligible personal item in full to the account (an access cheque also qualifies), it is covered worldwide for up to 90 days against theft or accidental damage. The insurer may repair, replace, or pay the pre-tax purchase price. The lifetime aggregate per account is $60,000. Computers, software, and their parts/accessories are limited to $1,000 per loss in total. Jewellery and artwork are limited to $500 per item per loss. This is excess coverage. Cash, tickets, documents, living things, vehicles, normal wear, fraud, inherent defects, modifications, and unexplained loss are excluded.

  • Extended Warranty

Eligible new items charged in full to the account, with a manufacturer warranty valid in Canada, can have that warranty doubled, up to one extra year. Coverage is automatic when the original warranty is five years or less. Longer warranties must be registered with the Operations Centre within one year of purchase. It covers only parts and labour for mechanical breakdown or failure already in the original warranty. Used goods and vehicles are excluded.

After a loss that may lead to a claim, contact the Operations Centre as soon as possible. The certificate requires notice within 30 days of the incident and proof of loss within 90 days. If you cannot reasonably meet those deadlines, handle it as soon as you can and no later than one year.