🇨🇦 National Bank Platinum Mastercard

Highlights

• The official site states no minimum annual income; the primary-card annual fee is $70 and the second supplementary card is $35.
• Eligible grocery and restaurant purchases earn 2x À la carte Rewards until total gross purchases of every category in the billing cycle reach $1,000, then 1.5x.
• Out-of-province emergency medical coverage applies to people under age 76 on departure, for trips of up to 10 days.
• Includes purchase protection, extended warranty, mobile-device coverage, and rental-car collision coverage.

Issuer: National Bank of Canada
Payment network: Mastercard
Product type: Credit card
Annual fee: $70 primary card; $35 for the second supplementary card
Foreign currency conversion fee: 2.50% added after Mastercard’s daily rate converts the amount to Canadian dollars

Eligible purchases earn À la carte Rewards Plan points, which you can redeem for merchandise, gift cards, travel discounts, À la carte Travel bookings, a card-balance payment, or À la carte Extras.

Welcome Offer

【September 9, 2026 update】 35,000 points + first-year primary-card annual fee waived ($70) + $50 through the blog partner cash-back site

• Enrol in the credit-card payment protection plan for at least the first three months after you receive the card (complete the Credit Card Payment Protection Plan section on the application) to earn 10,000 points, posted within two months after that minimum enrolment period.

• Spend $2,500 in the first three months after enrolment to earn 10,000 points, posted by the end of the 6th month after enrolment. The spending clock starts on the enrolment date.

• Spend $10,000 in the first 12 months after enrolment to earn 15,000 points, posted by the end of the 15th month after enrolment.

• First-year primary-card annual fee of $70: the bank charges it first, then credits it back within five months of account opening if the account stays open and in good standing. Supplementary-card fees are not included in this promotion.

• The offer runs from June 30, 2026 to November 4, 2026. You must apply as the primary cardholder, must not have held any National Bank personal Mastercard as a primary cardholder in the past 12 months, keep the account open and in good standing until the fee rebate and points post, and must not be a bank-group employee. One offer per person; it cannot be combined with other National Bank credit-card promotions, and credit approval still applies.

• Apply through the blog partner cash-back site for an extra $50 cash back

Apply through the blog partner cash-back link🔗

Eligibility: the official site states no minimum annual income; National Bank credit approval still applies. The official site also says you must not currently hold, and must not have held in the past 12 months, a National Bank Mastercard.

Previous welcome offers

December 2, 2025 to February 2, 2026: up to 25,000 points, plus a first-year annual-fee rebate for the primary card and the first supplementary card (the supplementary card had to be added on the account-opening application)

Everyday Spending

2x: Eligible grocery and restaurant purchases. The bonus depends on total gross purchases of every category charged to the account in the billing cycle, not on grocery and restaurant spend alone reaching $1,000. Grocery and restaurant purchases earn 2x until that combined total hits $1,000, then later eligible grocery and restaurant purchases earn 1.5x. Grocery means merchants whose primary business is selling food, such as grocery stores, delis, produce shops, or specialty food stores; ready-to-eat meals and meal-delivery services can qualify. Grocery purchases at pharmacies, retailers, and big-box stores whose core business is not food do not earn this rate. Restaurants include restaurants, fast food, bars, nightclubs, and taverns. Mastercard merchant category codes decide the category. Only one category applies to each purchase; if more than one could apply, you receive the rate that is more favourable to you.

1.5x: Gasoline and public EV charging at gas stations or certain big-box stores; recurring bills that a merchant automatically charges to this card; and eligible bookings made in the À la carte Travel agency section of the À la carte Rewards site. Not every automatic charge counts as a recurring bill. Eligible grocery and restaurant purchases after the billing-cycle gross total reaches $1,000 also earn 1.5x.

0.67x: Other eligible purchases. You earn 1 point per $1.50 spent (1 ÷ 1.50 = 0.67). Cash advances, balance transfers, Mastercard cheques, interest, annual fees, foreign-currency conversion fees, insurance premiums, returns, paying the card balance with points, and credits from point redemptions do not earn points. Points post monthly if the account is in good standing on the statement date.

Benefits & Insurance

• À la carte Travel

You can redeem points through the À la carte Travel online agency for flights, hotels, and vacation packages, or follow the official rules to redeem travel through another agency or airline. Only eligible bookings made in the À la carte Travel agency section of the rewards site earn 1.5x.

• À la carte Extras and paying the card with points (À la carte Extras / Pay with rewards points)

You can use points to invest in a financial product, offset banking-package fees, or pay down a mortgage (À la carte Extras), or to pay this card’s balance in online banking. Redemption rates and the amount you can offset follow the rewards-plan rules in effect at the time.

• Banking-package monthly-fee discounts (Discounts on monthly fees for The Total and The Connected packages)

The official site lists monthly-fee discounts on The Total and The Connected packages. The official site does not state the discount amount.

• Zero Liability

The official site includes Mastercard Zero Liability. Details are on mastercard.ca and in the credit-card terms.

• Apple Pay, Google Pay, and Mastercard ID Check

The official site lists Apple Pay and Google Pay contactless payments, plus Mastercard ID Check for extra verification.

Travel Insurance

Official insurance certificate🔗

• Emergency Medical Care Outside of the Province of Residence

Coverage is for people under age 76 on the departure date who live in Canada and have their province’s public health and hospital insurance when the trip is booked and for the entire trip: the primary cardholder, a spouse travelling with the primary cardholder, and accompanying dependent children (a child born on the trip during the first 32 weeks of pregnancy can also be included). A spouse travelling without the primary cardholder is covered only if that spouse is also a cardholder. Authorized users who do not meet those rules are not insured under this benefit. Travel arrangements do not have to be charged to the card. The aggregate maximum is $5,000,000 per person per trip. The trip must not exceed 10 days; if it does, there is no coverage for the entire trip. Age 76 and over has no coverage. Pre-existing conditions in the 3 months before departure for people under 61, or the 6 months before departure for people 61 and over (physician visits, hospitalization, new medication or treatment, dose changes, and similar events, with certificate exceptions), may not be payable. Trips taken primarily or secondarily for medical care, pregnancy-related issues in the 8 weeks before the expected due date, high-risk activities, impaired driving or substance abuse, and non-urgent treatment that could wait until return are also excluded. Call CanAssistance (1-888-235-2645 in Canada or the U.S., or 514-286-8345 elsewhere) before incurring expenses whenever reasonably possible. Return the claim form within 30 days of the event and supporting documents within 90 days. The insurer pays or declines within 60 days of receiving a complete file.

• Trip Cancellation or Delay

The insureds are the cardholder and a spouse or dependent child travelling with the cardholder. Part or all of the trip cost must be charged to this card before departure. For covered causes listed in the certificate (such as an illness a physician recommends cancelling for, hospitalization, quarantine or death, illness of an immediate family member, involuntary job loss after more than a year with the same employer, a travel advisory for the destination, or a refused visa), cancellation or delay before departure is covered up to $1,000 per person. If the departing flight is delayed more than 4 hours, or overbooking leaves no other flight within 4 hours of the original departure and you checked in at least 2 hours before departure, necessary meals and accommodation are covered up to $250 per person per day and $500 in total. There is no deductible. Illness or treatment in the 3 months before purchase, pregnancy in the 8 weeks before the expected due date, and listed high-risk activities may not be payable. Contact CanAssistance as soon as possible; submit the claim form and documents ideally within 90 days.

• Trip Interruption

The insured group is the same. Part or all of the trip cost must be charged to this card before departure. After departure, a covered interruption pays up to $1,500 per person for unused, non-refundable prepaid costs charged to the card and economy-class changes needed to continue the trip or return to the starting point. Necessary meals, lodging, and phone costs during an interruption or delayed return are covered up to $250 per person per day and $1,500 in total (expenses already paid under out-of-province emergency medical are not paid twice). If a travel supplier’s bankruptcy, receivership, or insolvency prevents completing the trip, unused non-refundable amounts charged to the card are covered up to $1,250 per person, subject to the insurer’s aggregate limits for all insureds. There is no deductible. The 3-month lookback for illness or treatment and the high-risk-activity exclusions are similar to cancellation coverage.

• Delayed, Lost, Damaged or Stolen Baggage

The cardholder and travel companions are covered from departure until return. The certificate requires part or all of the trip cost to be charged to this card before departure; the product-page footnote also says lost or delayed baggage requires all transportation costs to be charged to the card. If the full cost of a common-carrier journey is charged to the card and checked baggage is delayed 6 hours or more before the scheduled return date, essential clothing and toiletries are covered up to $500 per person. Lost, damaged, or stolen baggage is covered up to $1,000 per person per trip and $250 per item. Replacement fees for a passport, driver’s licence, birth certificate, or visa total up to $50. There is no deductible. Electronics, glasses and contact lenses, currency and tickets, perfume and cosmetics, professional equipment, and baggage left in an unlocked vehicle are not covered. Report theft or vandalism to police immediately. Contact CanAssistance as soon as possible and submit documents ideally within 90 days.

• Vehicle Rental

The eligible rental must be paid entirely with this card or points earned on this card. Coverage applies to damage from an accident, fire, theft, or vandalism, plus reasonable and customary towing and the rental company’s loss-of-use fees. It is not public-liability insurance and does not cover other vehicles, other property, or bodily injury. The payout is limited to the vehicle’s manufacturer’s suggested retail price, up to $65,000 per rental. This coverage is first payer. There is no deductible. Coverage starts when the cardholder or a driver authorized on the rental contract takes possession and ends when the rental company recovers the vehicle. Renewing or signing a new contract that extends the rental beyond 48 consecutive days ends coverage. Trucks, trailers, off-road vehicles, stretch limousines, modified vehicles, vehicles with an MSRP over $65,000, RVs, antique cars, motorcycles, and van uses listed in the certificate are excluded. Coverage does not apply if the rental contract is not followed, the driver is unauthorized, the driver is impaired, the vehicle is used off-road, or the loss is normal wear or mechanical failure.

• Medical, general and legal assistance

The official site includes medical, legal, and general assistance. For claims and assistance, call 1-888-235-2645 in Canada or the U.S., or 514-286-8345 elsewhere.

Shopping Insurance

• Purchase Protection and Extended Warranty

Eligible new movable property must be paid entirely with this card or points earned on this card. Purchase protection covers breakage for 180 days after purchase, and theft in Canada, with no deductible. Extended warranty triples a manufacturer’s warranty that is valid in Canada, for a maximum of 2 extra years after the original warranty ends. If the original warranty is longer than 5 years, you must register the purchase with the assistance provider. Extended warranty covers only essential parts and labour for a mechanical breakdown or defect in the original warranty. Benefits are limited to the purchase price charged to the account (or that item’s share of a set). Purchase protection and extended warranty together pay a maximum of $60,000 while the account is active. The insurer may repair, replace, or refund the purchase price. Used items, motor vehicles and parts, heating and cooling equipment, items bought for business, gift cards, currency and tickets, plants, animals and perishables, tablets, phones, portable computers and software, drones, jewellery stolen from checked baggage (except hand luggage you supervise), sports equipment damaged through use, normal wear, and mysterious disappearance are not covered. Report theft or vandalism to police immediately. Keep the proof of purchase and original warranty, contact CanAssistance as soon as possible, and submit documents ideally within 90 days. If the claim is accepted, the insurer repairs, replaces, or refunds within 60 days of receiving a complete file.

• Repair or replacement of mobile devices

Coverage applies to breakage, loss, or theft. The full purchase price must be charged to this card, or every monthly payment on a financing plan must be charged to this card. A device with cellular capability must also be activated by a carrier. The product page also says the device must be purchased with this card, or the phone plan’s recurring payments must have been charged to this card since September 1, 2022. Devices bought as gifts can be covered, but the cardholder must file the claim. Coverage starts on the later of the 60th day after purchase or the date the second consecutive monthly plan payment posts to this card, and ends on the earlier of 2 years after purchase or the date a monthly plan payment is missed. The payout is the lowest of replacement cost (including tax, same brand and model or equivalent features), the repair cost charged to this card, or depreciated value (3% of the purchase price per month since purchase), minus the deductible, up to $1,000. The deductible is based on the device’s value excluding tax: $25 for $0–$200, $50 for $201–$400, $75 for $401–$600, and $100 above $601. The maximum is one claim per year and two claims every four years. Accessories, batteries, devices bought for business or resale, used, refurbished, or modified devices, new devices damaged in shipping, power surges, cosmetic-only damage, software or network issues, and normal wear are not covered. After the insurer accepts the claim, the replacement or repair cost must be charged to this card before payment. Report theft to police. Submit documents ideally within 90 days; the insurer decides within 60 days of a complete file.