National Bank Platinum Mastercard®
on Banque Nationale's website
Pros
- ✓First Year Annual Fee Rebate ($70 annual fee rebated)
- ✓Purchase protection included
- ✓Travel medical insurance included
Cons
- ✗Foreign Transaction Fee (2.5%)
Our Review
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:
- 180-day Purchase protection in the event of theft or damage
- Possibility of tripling the manufacturer’s warranty (up to 2 additional years)
- Trip Cancellation Insurance
- Trip Interruption Insurance
- Out-of-province hospital insurance
- Flight Delay Insurance
- Baggage insurance in case of delay, theft or loss
- Car rental insurance
- Mobile Device Insurance
We voted the National Bank Platinum Mastercard® as the best credit card for young professionals in 2024.
Rewards
All Spending
0.67x
NBC Rewards pts per dollar
Recurring
1.5x
Telecom
1.5x
Groceries
2x
Restaurants
2x
Gas
1.5x
Credit Card Rewards Calculator
See how much you could earn with this card based on your spending.
Points Earned
35,268
NBC Rewards/yr
Estimated Value
$317
After Fees
+$317
1st Year Value
$317
incl. welcome bonus
Annual rewards breakdown
Travel Insurance
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
Purchase Protection
Included
Extended Warranty
+2 year(s)
Mobile Device
Up to $1,000
Auto Rental
Up to $65,000 / 48 days
Interest Rates
- Purchase Rate20.99%
- Cash Advance22.49%
- Foreign Transaction Fee2.5%
Terms & Conditions
Card Features
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.
- Earn up to 2 points per dollar in eligible grocery and restaurant purchases*
- 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
FAQ
Does the National Bank Platinum Mastercard® require a minimum income?
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.
What are the advantages of the National Bank Platinum Mastercard® (NBC Platinum Card)?
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.
What are the annual fees associated with this National Bank Platinum Mastercard® (Platinum Card NBC)?
The annual fee for the National Bank Platinum Mastercard® is $70. Additional cards cost $35 each.
How does the NBC rewards program work?
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:
- Gift cards
- Travel (flights, hotels, cruises, etc.)
Are there any fees for cash advances?
Yes, cash advances are subject to an interest rate of 22.49%.
What is the interest rate for purchases and balance transfers?
The interest rate for purchases is 20.99% and for balance transfers it is also 22.49%.
What are the credit approval requirements for the National Bank Platinum Mastercard® (NBC Platinum Card)?
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.
Are there any foreign currency conversion fees?
Yes, the foreign currency conversion fee is 2.5% with the National Bank Platinum Mastercard®.
What is the maximum coverage period for mobile device insurance?
Mobile device insurance is valid for up to 2 years. This is an essential insurance policy to complement the manufacturer’s warranty.
Are there any restrictions on the purchase categories for earning points?
Points are earned on specific categories of eligible purchases, according to the terms and conditions of the National Bank Platinum Mastercard® Rewards Plan.
What is the minimum monthly payment required for the National Bank Platinum Mastercard® (Platinum Card NBC)?
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.
What insurance is included with the National Bank Platinum Mastercard® (Platinum Card NBC)?
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.
How does National Bank Platinum Mastercard® (Platinum Card NBC) Purchase Security and Extended Warranty Insurance work?
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.
How does car rental insurance work?
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.
How does National Bank Platinum Mastercard® (Platinum Card NBC) flight delay insurance work?
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.
How does lost luggage insurance work?
Baggage loss insurance covers you in the event of loss or theft of your baggage while travelling.
How does hotel burglary insurance work?
This insurance covers you in the event of a burglary in your hotel room during your stay.
Are there any welcome bonuses for new cardholders?
The National Bank Platinum Mastercard® offers promotions and welcome bonuses that vary according to the terms and conditions of the current promotion.
What is the value of the offer for new cardholders?
The value of the offer for new National Bank Platinum Mastercard® cardholders depends on current promotions and may vary.
How are points per dollar of purchase calculated?
Earn up to 2 points per dollar spent on eligible purchases made with the National Bank Platinum Mastercard®.
Are there fees for additional cards?
Yes, the first additional card costs $35, and subsequent other additional cards are also $35 each.
Legal
Consult the official website for more information
Related Cards
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