National Bank Platinum Mastercard®
on Banque Nationale's website
Pros & Cons
Pros
- +First Year Annual Fee Rebate ($70 annual fee rebated)
- +Welcome Bonus: 40,000 points
- +Purchase protection 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.
Offer ends: 2026-11-04
Rewards
All Spending
0.67x
NBC Rewards pts per dollar
Groceries
2x
Restaurants
2x
Recurring
1.5x
Telecom
1.5x
Gas
1.5x
Credit Card Rewards Calculator
See how much you could earn with this card based on your spending.
Points Earned
42,036
NBC Rewards/yr
Estimated Value
$378
After Fees
+$378
1st Year Value
$738
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
Earn up to 40,000 reward points upon enrollment, and the annual fee will be refunded for the first year for the primary cardholder of a National Bank® Platinum Mastercard®.
- 10,000 reward points when you sign up for credit card payment insurance* for at least the first 3 months
- 15,000 reward points when you make $2,500 in purchases within the first 3 months**
- 15,000 reward points when you make $10,000 in purchases within the first 12 months**
- The $70 annual fee will be refunded for the first year for the primary cardholder
Legal
PLATINUM CARD PROMOTIONAL OFFER Q3-Q4 2026-AGGREGATOR
Length of the welcome promotion
From June 30, 2026 to November 4, 2026.
Eligibility conditions
- Sign up for a National Bank® Platinum Mastercard® credit card as a primary cardholder during the promotion period.
- Have not held any National Bank personal Mastercard credit card as a primary cardholder during the past 12 months.
- Keep the credit card account open and in good standing, in compliance with the Credit Card Agreement, until the annual fee refund and reward points are credited. For example, all minimum payments must be made on time.
- Not be employed by National Bank of Canada or an entity in its group.
Description of the promotion
Up to 40,000 reward points upon enrollment, and a refund of the annual fee for the first year for the primary cardholder of a National Bank® Platinum Mastercard®.
Annual fees
The $70 annual fee for the primary cardholder will be refunded for the first year.
We will charge the annual fee to your new card account and then refund it. You will receive this refund within five months of opening your account, provided that your account remains open and in good standing. The refund will appear on your statement as a credit.
Annual fees related to authorized users’ cards are not eligible for this promotion.
Reward points
| Points offered | Conditions | When points are awarded |
|---|---|---|
| 10,000 | Enrollment in credit card payment insurance* for at least the first three months | Within two months following the minimum enrollment period |
| 15,000 | $2,500 in purchases within the first three months** | By the end of the 6th month following enrollment** |
| 15,000 | $10,000 in purchases within the first 12 months** | By the end of the 15th month following enrollment** |
* To apply for payment insurance, you must complete the sections related to the Credit Card Payment Protection Plan (CCPPP) included 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 on July 15, 2026, you have until October 15, 2026 to make the required $2,500 in purchases, and the 15000 points will be credited to your account by the end of January 2027.
How total purchases are calculated
The calculation is based on the total amount of purchases made using all cards linked to the account. Transactions not included in the calculation are set out in article 1.5 of the À la carte Rewards Plan™.
Other conditions
- This promotion may only be used once per person.
- Issuance of the card is subject to National Bank of Canada’s credit approval. Other conditions apply to the issuance of the card.
- Unless otherwise indicated, this promotion cannot be combined with any other National Bank credit card promotion and is not retroactive.
- This promotion may be modified 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. François Charron 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.