- Annual fee
- $0 $150
- Our valuation
- $615
- Welcome offer
- Up to 35,000 points
- Ends Mar 31, 2027
on National Bank's website
- Features
- Issuer
- National Bank
- Network
- Loyalty Program
- NBC Rewards
- Fees and terms
- Annual Fee
- $150/yr
- Additional card
- $50
- Min. annual income
- $80,000+
- Household income
- $150,000+
- Interest rates
- Purchases
- 20.99 %
- Cash advance
- 22.49 %
- Balance transfer
- 22.49 %
- Foreign transaction fee
- 2.5 %
Issuer terms
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.
Milesopedia Exclusive Offer – World Elite Card
From November 5, 2026 to March 31, 2027, earn up to 35,000 reward points upon enrolment and get your annual fee refunded for the first year for the primary cardholder:
- 10,000 points when you sign up for credit card payment insurance for at least the first 90 days
- 5,000 points after $5,000 in net purchases in the first 90 days
- 10,000 points after $20,000 in net purchases in the first 12 months
- 10,000 bonus points if you combine your credit card with the opening of a first National Bank current account within a maximum of 14 days following the signing of the credit card application form. Conditions apply.
- Annual fee refunded for the first year for the primary cardholder
Contest: become a World Elite® Mastercard® cardholder for a chance to win one of five $10,000 À la carte Travel gift certificates.*
Promotion terms and contest rules: see the legal notes.
Card benefits
- Annual travel credit ($150)
- Access to the National Bank Lounge
- Access to more than 1,300 airport lounges worldwide
- Comprehensive travel insurance for trips of up to 60 days
- Emergency medical and hospital insurance outside your province of residence
- Trip cancellation and trip interruption insurance
- Lost or stolen baggage insurance
- Car rental insurance
- Coverage for accidental damage, loss, or theft of mobile devices
- Extended warranty coverage on purchases
- Extended manufacturer’s warranty on purchases
- Medical, general, and legal assistance
- Enhanced security with Mastercard® ID Check™
- Discounts on monthly fees for The Total and The Connected banking packages
- Redeem points through the travel agency of your choice
- Up to 5 points per dollar spent*
- Rewards
- Rate
- Restaurants
- 5x
- Groceries
- 5x
- Gas
- 2x
- Bills & recurring payments
- 2x
- Benefits
- Airport lounges
- $400
- Annual credit
- Included
- Travel insurance
- Coverage
- Travel medical (under 55)
- $5,000,000 · 60 days
- Travel medical (55-64)
- $5,000,000 · 31 days
- Travel medical (65+)
- $5,000,000 · 15 days
- Trip Cancellation
- $2,500
- Trip Interruption
- $5,000
- Delayed Baggage
- $500
- Lost Baggage
- $1,000
- Flight Delay
- $500
- Travel Accident
- ✓
- Purchase protection
- Coverage
- Purchase Protection
- 180 days
- Extended Warranty
- +2 years
- Mobile Device
- $1,000 · 2 years
- Auto Rental Collision
- $65,000 · 48 days
Awards won by this card
Pros
- First Year Annual Fee Rebate
- Welcome bonus of 35,000 points
- 5x on groceries
- 5x at restaurants
Cons
- Requires good credit
The National Bank World Elite® Mastercard® may suit you if you pay your balance in full, spend regularly on groceries and restaurants, and use its travel benefits. Ratesopedia assesses its value after the $150 annual fee, based on the rewards and reimbursements you can realistically use.
- Groceries and restaurants: 5 points per dollar on eligible purchases until total gross monthly purchases across all categories reach $2,500; then 2 points per dollar on eligible grocery and restaurant purchases.
- Other accelerated categories: 2 points per dollar on eligible gas and electric charging, recurring bills and À la carte Travel purchases.
- Other purchases: 1 point per dollar.
The annual travel-expense reimbursement can reach $150 per account. It covers eligible costs such as baggage, seat selection, airport parking, lounge access and airline upgrades. Expenses must be charged to the card and claims submitted within 60 days. This is not an automatic credit to subtract from the annual fee when you do not incur qualifying expenses.
National Bank Lounge access at Montréal-Trudeau is included under the lounge’s admission rules. Since October 5, 2026, the published maximum stay at the temporary lounge is two hours for this card. DragonPass membership does not include complimentary visits…
