Offer
By clicking on the Subscribe button, you will be redirected directly to the National Bank credit card application form. Make sure you have the following information on hand: contact details, employment status, income and valid ID.
Take advantage of this great welcome offer: a discount on the annual fee for the first year (a $70 value) and up to 25,000 bonus points, distributed as follows:
- 5,000 points if you take out credit card payment insurance for at least the first three months
- 10,000 points if you have made $2,500 in net purchases in the first 3 months after enrolment
- 10,000 points if you have made $6,500 in net purchases in the first 12 months after enrolment
- Earn up to 2 points per dollar spent on certain purchase categories*
- Reassuring protection. Travel with peace of mind thanks to our comprehensive insurance coverage up to 10 days
- Out-of-province-of-residence medical/hospital insurance, Departure flight delay insurance, Baggage insurance in case of delay, Baggages insurance in case of theft or loss, Vehicule rental insurance
- Trip Cancellation and Trip Interruption Insurance
- Flight and baggage delay insurance
- Car rental insurance
- Purchase insurance against theft or damage
- Extended warranty
- Mobile devices insurance against theft or damages for a period of up to 2 years
Fees & Conditions
Value
Advantages
Earnings
Per dollar of purchases
Insurance
Travel Insurance
There may be a daily maximum amount depending on the type of fees paid
Other Insurance
Alternative Cards
Legal
CONDITIONS – PLATINIUM CARD PROMOTIONAL OFFER
Length of the welcome promotion
From April 1 to August 4, 2025.
Eligibility conditions
- Sign up for a National Bank® Platinum Mastercard® credit card during the promotion as a primary cardholder.
- Have not held a personal National Bank Mastercard credit card as a primary cardholder during the past 24 months.
- Keep the credit card account open until the rewards points are paid.
- Keep the account in good standing while complying with the conditions in the Credit Card Agreement, until the rewards points are paid. For example, all minimum payments must be made on time. For example, all minimum payments must be made on time.
- Not be employed by National Bank or an entity in its group.
Description of the promotion
Up to 25,000 rewards points upon enrolment and the first year’s annual fee refunded for the primary cardholder and the first additional authorized user.
Annual Fee
No annual fees for the first year for the primary cardholder and the first additional authorized user.
We will charge the annual fee to your new card account and refund the fee to you. You will receive this refund within five months of opening your account, provided your account is still open and in good standing. It will appear on your statement in the form of a credit.
To benefit from the annual fee discount for the first additional authorized user’s card, you must add it to the account opening request.
Annual fees related to other authorized users’ cards are not eligible for this promotion.
Reward points
| Points offered | Conditions | When points are awarded to the account |
| 5 000 | Enrolment in payment insurance* for at least the first three months | In the two months following the minimum enrolment period for payment insurance.** |
| 10 000 | $2,500 in purchases in the first 3 months**. | By the end of the 6th month after enrollment.** |
| 10 000 | $6,500 in purchases in the first 12 months**. | By the end of the 15th month after enrolment** |
* To apply for enrolment in payment insurance, you must complete the sections to apply for the Credit Card Payment Protection Plan (CCPPP) included on 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 April 15, you have until July 15 to make the required net purchases to receive the points which will be credited to your account by the end of October 2025.
How total purchases are calculated
The calculation is for the total amount of purchases made through all cards linked to the account.
The transactions not included in the calculation are set out in article 1.5 of the À la carte Rewards PlanTM.
Other conditions
- You can only take advantage of the promotion once.
- Issuance of the card is subject to credit approval by National Bank of Canada. Other conditions apply to the issue of the card.
- This promotion may not be combined with any other promotion or offer applicable to National Bank credit cards, nor is it retroactive.
- This promotion may be modified or withdrawn without notice.
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 is the greater of 5% of your account balance, plus any overdue amounts, or $10.
If you live outside Quebec, your minimum payment is 2.5% of your credit card balance, plus any past-due amount or $10, whichever is greater.
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% (regular card) | $9.24 | $55.45 |
| 20.99% (regular card) | $8.63 | $51.76 |
| 12.95% (Syncro card) | $5.32 | $31.93 |
| 8.95% (Syncro card) | $3.68 | $22.07 |
*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.