Pros
- ✓Welcome Bonus: 50,000 points
- ✓Up to 5x on Restaurants
- ✓Airport lounge access
- ✓Purchase protection included
- ✓Travel medical insurance included
Cons
- ✗High annual fee ($150/yr)
- ✗Foreign Transaction Fee (2.5%)
Our Review
With Milesopedia, enjoy an exclusive offer to get up to 50,000 points with the National Bank World Elite Mastercard. This offer is exclusively available through the Milesopedia network and allows you to quickly earn points by following these steps:
- 10,000 reward points upon enrollment in your credit card payment protection, for a minimum of 3 months of membership.
- 10,000 points when you make $5,000 in net purchases within the first 3 months.
- 20,000 points when you reach $20,000 in purchases within the first 12 months.
- 10,000 points when you combine your credit card with the opening of your first current account within 7 days of your credit card application.
The National Bank World Elite Mastercard is the best Mastercard credit card offered by NBC.
With this card, you earn up to 5 points per dollar on your purchases:
- 5 points per dollar for groceries and restaurants
- 2 points per dollar on gas and electric recharge purchases
- 2 points per dollar on recurring bills
- 2 points per dollar on À la carte Travel
- 1 point per dollar for all other purchases
And since it’s an NBC mycredit Mastercard, you can use it at Costco.
With this card, you have access to a $150 annual travel credit that you can use in any of these categories:
- Airport parking
- Baggage fees
- Seat selection
- Access to Airport Lounges
- Flight upgrades
What’s more, you can enjoy access to DragonPass airport lounges and unlimited access to the National Bank Lounge at Montreal-Trudeau.
Finally, Milesopedia has named the National Bank World Elite Mastercard as the Best Travel Credit Card in 2023, 2024, 2025, and 2026.
Offer ends: 2026-06-29
Rewards
All Spending
1x
NBC Rewards pts per dollar
Restaurants
5x
Recurring
2x
Telecom
2x
Groceries
5x
Gas
2x
Credit Card Rewards Calculator
See how much you could earn with this card based on your spending.
Points Earned
63,600
NBC Rewards/yr
Estimated Value
$572
After Fees
+$422
1st Year Value
$872
incl. welcome bonus
Annual rewards breakdown
Travel Insurance
Travel Medical
Up to $5,000,000 / 60 days
Trip Cancellation
Up to $2,500
Trip Interruption
Up to $5,000
Delayed Baggage
Up to $500
Lost Baggage
Up to $1,000
Flight Delay
Up to $500
Travel Accident
Included
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%
Perks & Benefits
Airport Lounge
Unlimited
Travel Credits
Included
Eligibility
Personal Income
$80,000
Household Income
$150,000
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.
Take advantage of this excellent exclusive offer: earn up to 50,000 bonus points (valued at $1,372 in the first year), distributed as follows:
- 10,000 points when enrolling in payment insurance* for at least the first 3 months.
- 10,000 points if you made $5,000 in net purchases in the first 3 months after enrolment
- 20,000 points if you made $20.000 in net purchases during the first 12 months
- Bonus current account offer: 10,000 points if you combine your credit card with the opening of a first current account within a maximum of 7 days following the signing of the credit card application form
- Earn up to 5 points per dollar spent on eligible grocery and restaurant purchases.*
- Earn 2 points per dollar spent on eligible gas and electric recharging expenses, recurring bills and purchases made À la carteTM travel purchases.*
- Earn 1 point per dollar spent on other purchases.
- Up to a $150 refund per year on travel expenses, including seat selection, airport parking, baggage fees, access to airport lounges worldwide, and ticket upgrades.
- Your credit card gives you access to a multitude of rewards. Our clients can choose from several options to treat themselves with the points they’ve accumulated:
- Get your hands on new electronics, kitchen accessories, gift cards and more
- Use your points to make a payment on your credit card
- Contribute to your RRSP and TFSA
- Make a donation to a participating charity
- Plan your next vacation
- And more!
- Enjoy unlimited free access for you and a guest at lounge from the National Bank at Montreal-Trudeau airport, including drinks, snacks, Wi-Fi, and much more*.
- Enjoy up to 60 days of coverage with our travel, trip cancellation/interruption, baggage loss and car rental insurance.
- Out-of-province hospital medical insurance, departure flight delay insurance, baggage insurance in case of delay, baggage insurance in case of theft or loss, vehicle rental insurance.
FAQ
How do I apply for a National Bank World Elite Mastercard?
To apply for the National Bank World Elite Mastercard, simply click on the Apply Now button. You will be redirected to the National Bank website, where you can securely apply for this credit card.
National Bank will then let you know if you are approved for that credit card. If you’re approved, you’ll receive your National Bank World Elite Mastercard in the mail.
How many points can I earn for purchases made with the National Bank World Elite Mastercard?
With the National Bank World Elite Mastercard, you can earn up to 5 points per dollar spent.
With this National Bank credit card, you earn up to 5 points per dollar on your purchases:
- 5 points per dollar for groceries and restaurants
- 2 points per dollar on gas and electric recharge purchases
- 2 points per dollar on recurring bills
- 2 points per dollar on À la carte Travel
- 1 point per dollar for all other purchases
How do I use the travel credit on my National Bank World Elite Mastercard?
With the National Bank World Elite Mastercard, you have access to a $150 annual travel credit that you can use in any of these categories:
- Airport parking
- Baggage fees
- Seat selection
- Access to Airport Lounges
- Flight upgrades
For example, you can use this National Bank National Bank’s World Elite Mastercard® credit for fees charged by an airline.
What insurance coverage does the National Bank World Elite Mastercard offer?
With the National Bank World Elite Mastercard, you benefit from a wide range of insurance coverages:
- Out-of-province hospital insurance
- Trip cancellation (before departure)
- Trip interruption (after departure)
- Flight delay (more than 4 hours)
- Baggage delay (more than 6 hours)
- Lost or Stolen Baggage Insurance
- Vehicle rental insurance
- Insurance against theft or breakage (180 days)
- Mobile Device Insurance
- Possibility of tripling the manufacturer’s warranty
Can I access an airport lounge free of charge with my National Bank World Elite Mastercard?
With the National Bank World Elite Mastercard®, you have free access to the National Bank Lounge at Montreal-Trudeau International Airport.
This benefit is available to the cardholder, one guest and up to 2 children under 12.
You can also access airport lounges that are members of the DragonPass program. However, you will have to pay a fee for each access to DragonPass airport lounges.
Here are the conditions to be aware of:
- Presentation of physical credit card and boarding pass is required for access to lounge.
- The time spent at lounge may not exceed three (3) hours.
- For National Bank customers who do not have free access to the Lounge, and for additional guests, admission is approximately $37 before tax per adult, $26 before tax per child, and free for children under 2. Admission rates are subject to change without notice and are the responsibility of the lounge operator.
How can I use my National Bank World Elite Mastercard points?
There are many ways to use your National Bank World Elite Mastercard rewards points:
- À La Carte Travel
- Statement credit for travel purchases
- Statement credit for any purchase
- Contribute to an RRSP or TFSA
- Reimbursement of your all-in-one line of credit or mortgage loan
- Gift card
Is the National Bank World Elite Mastercard the best National Bank credit card?
Yes, the National Bank World Elite Mastercard is the best credit card offered by National Bank.
The National Bank’s World Elite Mastercard® stands out thanks to:
- To the rate of reward accumulation
- Travel benefits
- Insurance coverage
How does the National Bank World Elite Mastercard® compare with other credit cards?
On Milesopedia, you can easily compare credit cards. You can therefore add the National Bank World Elite Mastercard® to the credit card comparator and compare it with other credit cards.
Is the National Bank World Elite Mastercard accepted at Costco?
Yes, National Bank’s World Elite Mastercard® is accepted at Costco.
Legal
CONDITIONS – Milesopedia WORLD ELITE CARD PROMOTIONAL OFFER
Length of the welcome promotion
From 3, February to 29, June 2026
Eligibility conditions
- Sign up for a National Bank® World Elite® Mastercard® credit card during the promotion period via the redirection link provided on the Milesopedia network websites during the promotion as a primary cardholder, as the primary cardholder.
- Not have held any National Bank Mastercard credit card for individuals in the past 24 months as the primary cardholder.
- Maintain the credit card account open and in good standing until the rewards points are paid. To be considered in good standing, you must comply with the conditions set out in the Credit Card Agreement, such as paying all fees and minimum payments on time.
- Not be employed by us or by any entity within our group.
Description of the promotion
| Points offered | Terms and conditions | When points are awarded |
|---|---|---|
| 10,000 | Sign up for payment insurance* for at least the first 90 days. | Within five months of the minimum period of enrolment. |
| 10,000 | $5,000 in net purchases in the first 90 days. | By the end of the 6th month after enrolment** |
| 20,000 | $20,000 in net purchases in the first 12 months. | By the end of the 15th month after enrolment** |
Bonus current account offer
Combine your credit card with the opening of a first current account within a maximum of 7 days following the signing of the credit card application form and meet the following conditions to obtain bonus rewards points:
| Points offered | Terms and conditions | When points are awarded |
|---|---|---|
| 10 000 | (i) Open a first current account with National Bank as the main holder, co-holder or sole holder, not having held one in the past two years as a main holder, co-holder or sole holder, and subscribe to one of the following packages: Connected® Total® New comers checking account Offer for professionals (ii) Keep the current account with an eligible package open and in good standing for at least the first 180 days and until the points are credited to the credit card account. All conditions in this section must be met to qualify for this bonus. |
By the end of the 9th month following credit card enrolment |
*To apply for payment insurance, you must complete the Credit Card Payment Protection Plan (CCPP) section in 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 15 February 2026, you have until 15 May 2026 to make the required $5,000 in purchases to obtain the 5,000 points offered, which will be credited to your account by the end of August 2026.
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 may only benefit from the promotion once.
- The card is issued subject to credit approval by the National Bank. Other conditions apply to the issue of the card.
- You must keep your National Bank current account in good standing for at least 180 days from the date the new current account is opened and until the points are credited to the credit card account. For the purposes of this promotion, the current account is not in good standing if:
- It is overdrawn, meaning it has an unauthorised negative balance.
- It has been used inappropriately, unauthorisedly, illegally, or abusively, as described in article 8.7 of the Deposit Account Agreement of the National Bank.
- 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 changed or withdrawn without notice.
Related Cards
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 Banque Nationale. All trademarks are property of their respective owners.