on National Bank Of Canada's website
With the National Bank Platinum Mastercard®, you can earn 2 points per dollar on grocery and restaurant purchases, and 1.5 points per dollar on gas, EV charging, recurring bills and À la carte Travel.
Since it is an NBC mycredit Mastercard, you can use it at Costco.
Unlike the other two National Bank travel rewards cards, the National Bank Platinum Mastercard® does not require a minimum income.
What’s more, you can take advantage of a wide range of insurances usually reserved for high-end credit cards:
We voted the National Bank Platinum Mastercard® as the best credit card for young professionals in 2024.
All Spending
0.67x
Bnc Rewards pts per dollar
Recurring
1.5x
Telecom
1.5x
Groceries
2x
Restaurants
2x
Gas
1.5x
See how much you could earn with this card based on your spending.
Points Earned
35,268
Bnc Rewards/yr
Estimated Value
$353
After Fees
+$283
1st Year Value
$283
incl. welcome bonus
Travel Medical
Up to $5,000,000 / 10 days
Trip Cancellation
Up to $1,000
Trip Interruption
Up to $1,500
Delayed Baggage
Up to $500
Lost Baggage
Up to $1,000
Flight Delay
Up to $500
Purchase Protection
Included
Extended Warranty
+2 year(s)
Mobile Device
Up to $1,000
Auto Rental
Up to $65,000 / 48 days
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.
No, the National Bank Platinum Mastercard® has no minimum income requirement. So, unlike the National Bank World Elite Mastercard, it’s a Mastercard credit card accessible to the widest possible audience.
The National Bank Platinum Mastercard® offers several advantages, including up to 2 points per dollar spent in specific categories and comprehensive travel insurance for up to 10 days of travel. It also includes various types of insurance, such as out-of-province hospital insurance, flight delay insurance and vehicle rental insurance.
The annual fee for the National Bank Platinum Mastercard® is $70. Additional cards cost $35 each.
Through the BNC rewards program, you can earn as many as 2 points for every dollar spent in select categories. These points can then be redeemed in the BNC rewards store.
You can use NBC points for:
Yes, cash advances are subject to an interest rate of 22.49%.
The interest rate for purchases is 20.99% and for balance transfers it is also 22.49%.
There is no minimum personal or family income required for approval of this National Bank Platinum Mastercard®.
So, unlike the National Bank World Elite Mastercard, it’s a Mastercard credit card accessible to the widest possible audience.
Yes, the foreign currency conversion fee is 2.5% with the National Bank Platinum Mastercard®.
Mobile device insurance is valid for up to 2 years. This is an essential insurance policy to complement the manufacturer’s warranty.
Points are earned on specific categories of eligible purchases, according to the terms and conditions of the National Bank Platinum Mastercard® Rewards Plan.
The minimum payment is calculated according to the terms and conditions of the National Bank Platinum Mastercard®, which will be detailed on your account statement.
The National Bank Platinum Mastercard® includes comprehensive travel insurance, medical-hospital insurance, trip interruption and cancellation insurance, flight and baggage delay insurance, and vehicle rental insurance.
If you want even more generous coverage, you can opt for the National Bank World Elite Mastercard.
Consult the terms, conditions and restrictions relating to insurance directly in the booklet supplied with your card.
The National Bank Platinum Mastercard® offers purchase insurance against theft or damage and an extended warranty on products purchased.
Consult the terms, conditions and restrictions relating to insurance directly in the booklet supplied with your card.
Vehicle rental insurance covers you in the event of damage to the rented vehicle, according to the conditions specified in the National Bank Platinum Mastercard® insurance plan.
Consult the terms, conditions and restrictions relating to insurance directly in the booklet supplied with your card.
Flight delay insurance covers you in the event of a flight delay, in accordance with the terms and conditions of the insurance plan included with the National Bank Platinum Mastercard®.
This is a great insurance policy to have if you buy airline tickets with your NBC Platinum Card.
Baggage loss insurance covers you in the event of loss or theft of your baggage while travelling.
This insurance covers you in the event of a burglary in your hotel room during your stay.
The National Bank Platinum Mastercard® offers promotions and welcome bonuses that vary according to the terms and conditions of the current promotion.
The value of the offer for new National Bank Platinum Mastercard® cardholders depends on current promotions and may vary.
Earn up to 2 points per dollar spent on eligible purchases made with the National Bank Platinum Mastercard®.
Yes, the first additional card costs $35, and subsequent other additional cards are also $35 each.
Consult the official website for more information
Conditions apply. All information is believed accurate but not guaranteed. Card details, rewards, and offers are subject to change at any time. Always verify the latest terms on the issuer’s website before applying. Ratesopedia may receive compensation through affiliate links. This does not affect our editorial choices or card rankings. © 2026 National Bank Of Canada. All trademarks are property of their respective owners.
