National Bank World Elite® Mastercard® Review

Length of the welcome promotion

From November 5, 2026, to March 31, 2027

Eligibility conditions

• Sign up for a National Bank^® World Elite^® Mastercard^® credit card during the promotion period as the primary cardholder.
• Not have held any National Bank Mastercard credit card for individuals in the past 24 months as the primary cardholder. 
• Keep 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

Rewards points 

*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 November 2026, you have until 15 February 2027 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 May 2027.
 

How the total purchase amount is calculated

The calculation covers the total amount of purchases made with all cards linked to the account. Transactions not included in the calculation are listed in article 1.5 of the À la carte Rewards Plan^TM.

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 unauthorized negative balance.
• It has been used inappropriately, unauthorizedly, 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 applicable to National Bank credit cards, nor is it retroactive. 

This promotion may be modified or withdrawn without notice.

1. THE CONTEST

National Bank of Canada is the Contest Organizer of the World Elite – Winter 2027 À la carte Travel contest

The Contest Period runs from November 5, 2026, to March 31, 2027.

2. WHO CAN PARTICIPATE?

To enter, you must be:

• a resident of Canada;
• of the age of majority in your place of residence when you enter the Contest.

The following persons are not eligible to enter the Contest: employees, representatives and agents of the Contest Organizer, its subsidiaries, advertising and promotional agencies, suppliers of materials, prizes and services related to the Contest, as well as members of their immediate families (brothers, sisters, children, father and mother), their legal or common-law spouses, and all persons with whom those employees, representatives and agents reside.

3. HOW TO ENTER

During the Contest Period, you may enter the Contest as follows:

3.1 Apply for a National Bank Mastercard World Elite credit card as the primary cardholder

through one of the links available on nbc.ca, on a partner website or through an advisor between November 5, 2026, and March 31, 2027, and activate the card before the draw.

3.2 Additional entry: during the Contest Period, open a first chequing account with National Bank as a primary holder, joint holder or sole holder, provided that you have not held a chequing account in any of those capacities during the previous two years.

Provided that you comply with these Contest Rules, we will use the personal information you have provided to us (last name, first name, telephone number, including area code, mailing address, including postal code, and email address) and enter it in the database used for the Contest in order to award you one entry in the Contest. You will thereby receive one entry in the Contest.

3.3 No purchase necessary

You may enter the Contest without applying for a National Bank Mastercard World Elite® credit card as the primary cardholder and activating the card before April 30, 2027.

To enter this way, you must:

1. Send us an original handwritten letter of at least 50 words explaining why you would like to win one (1) gift certificate redeemable through the À la carte Travel agency’s telephone service, valued at $10,000 CAD (ten thousand Canadian dollars).

2. Include the following personal information in your letter: last name, first name, age, full address, including postal code, telephone number, including area code, and email address.

3. Send only one letter per sufficiently stamped envelope no later than March 31, 2027. The

postmark will constitute proof of mailing, failing which the entry will be void. Your letter must be sent to the following address:

National Bank of Canada

“World Elite – Winter 2027 À la carte Travel” contest

No-purchase entry

800 St-Jacques Street

Montreal, Quebec H3C 1A3

To obtain an additional entry without opening a first chequing account, you must send us a second original handwritten letter of at least 50 words explaining what your dream travel destination would be, in a separate, sufficiently stamped envelope, no later than March 31, 2027, and comply with all the instructions set out above for the first no-purchase entry letter.

Upon receipt of your letter containing all required information, we will enter the personal information you have provided to us (last name, first name, telephone number, including area code, mailing address, including postal code, and email address) in the database used for the Contest. You will thereby receive one entry in the Contest.

Entries obtained in this manner are subject to the same conditions as all other entries.

4. ENTRY LIMIT

There is a limit of one Contest entry per person for applying for the credit card during the entire Contest Period, regardless of the method of entry.

Additional entry:

During the Contest Period, open a first chequing account with National Bank as a primary holder, joint holder or sole holder, provided that you have not held a chequing account in any of those capacities during the previous two years.

5. PRIZE

A total of 5 gift certificates will be awarded in the Contest. One gift certificate will be awarded in each draw in accordance with the conditions set out in section 6.

Each prize consists of one (1) travel gift certificate redeemable through À la carte Travel agency’s telephone service, valued at $10,000 CAD (ten thousand Canadian dollars).

The prize is non-transferable, cannot be exchanged for cash and must be accepted as awarded.

6. DRAW

The draws will be held as follows:

• For applications submitted between November 5 and 30, 2026: January 5, 2027
• For applications submitted between December 1 and 31, 2026: February 5, 2027
• For applications submitted between January 1 and 31, 2027: March 5, 2027
• For applications submitted between February 1 and 28, 2027: April 5, 2027
• For applications submitted between March 1 and 31, 2027: May 5, 2027

Each draw will be held at 12:00 p.m. at our offices located at 800 St-Jacques Street, 28th Floor, Montreal, Quebec H3C 1A3.

At each draw, we will randomly select one (1) eligible entry from among all eligible entries received and registered during the applicable month.

7. CHANCES OF WINNING

The odds that your entry will be selected at random for a prize depend on the date of the credit card application and the number of entrants in the applicable draw.

8. CONDITIONS APPLICABLE ONLY TO A SELECTED ENTRANT

Your entry may be selected in a draw. However, before being declared a winner, you must:

• Be contacted by us within 5 days following the draw.
• Correctly answer, without assistance and within a limited period of time, a mathematical skill-testing question. We will ask you the question by telephone at a mutually agreed time.
• Complete and return to us, within 5 days after receiving it, the Declaration and Liability Waiver that we sent you. By signing the Declaration and Liability Waiver, you will agree:
• To accept your prize as described in these Contest Rules.
• That you may not transfer your prize to another person, exchange it for cash or replace it with another prize.
• That once you have received your prize, the performance of the related services will be the sole and exclusive responsibility of the various prize suppliers.
• That we may use your first or last name, photograph, image, statement about the prize, place of residence or voice for publicity purposes, without compensation.
• That we are not liable for any harm you may incur as a result of accepting or using your prize, including any tax consequences. Our subsidiaries, advertising and promotional agencies, suppliers of materials, prizes and services related to the Contest, and their employees, representatives and agents also cannot be held liable.

Within 10 days after receiving your Declaration and Liability Waiver, we will contact you again to explain how your prize will be awarded.

If you fail to comply with these conditions or any other condition set out in these Contest Rules, you will be disqualified. If time permits, we may hold another draw until an entrant is selected and declared a winner. An unclaimed prize may be cancelled.

9. CONDITIONS APPLICABLE TO AN ENTRANT

9.1 Our decisions in connection with the Contest are final and without appeal.

9.2 We, our subsidiaries, advertising and promotional agencies, suppliers of materials, prizes and services related to the Contest, and our employees, representatives and agents are released from all liability relating to:

• Your entry or attempted entry in the Contest.
• Any harm caused by downloading a webpage or software or transmitting information for the purpose of entering the Contest.
• Any limitation on or inability to enter the Contest due to the malfunction of computer equipment, software or a communication line; the loss or absence of network communication; or a transmission that is faulty, incomplete, unintelligible or deleted by a computer or network.

9.3 We do not guarantee that the Contest website will be accessible or operate without interruption throughout the Contest Period or that it will be error-free.

9.4 During the Contest Period, our computer system may be unable to register all entries received. The draw may then be held solely from among the entries that were registered. Entry in the Contest may also end before the end date set out in these Contest Rules. In that event, the draw may be held from among the entries received and registered up to the date of the event that ended participation in the Contest.

9.5 Entry forms, no-purchase entry letters and Declaration and Liability Waiver forms are our property and will not be returned to you.

9.6 We will not contact you in connection with the Contest except as provided in these Contest Rules or on our own initiative.

9.7 We will use some of your personal information to administer the Contest. By entering the Contest, you consent to the use of your personal information for your entry in the Contest or when the prize is awarded.

10. OUR REMEDIES

10.1 We may verify entry forms, no-purchase entry letters and Declaration and Liability Waiver forms. We may reject an entry form, letter or Declaration and Liability Waiver, for example, if it is incomplete, fraudulent or submitted late. A rejected entry form, letter or Declaration and Liability Waiver will not entitle you to an entry or a prize, as applicable.

10.2 We may disqualify you or cancel one of your entries if you enter or attempt to enter in breach of these Contest Rules or in a manner that is unfair to other entrants, such as through hacking or by exceeding the permitted entry limit. You may be referred to the appropriate judicial authorities.

10.3 Any attempt to deliberately damage a website related to the Contest or to undermine the legitimate operation of the Contest is a violation of civil and criminal laws. If such an attempt is made, we reserve the right to reject your entry and seek remedies under the law.

10.4 We reserve the right, at any time and in our sole discretion, to cancel, terminate, modify or suspend the Contest, in whole or in part, if an event or human intervention occurs that may corrupt or affect the administration, security, fairness or operation of the Contest. In all cases, we will not be required to award more prizes or to award a prize other than as provided in these Contest Rules.

11. INTERPRETATION OF THE CONTEST RULES

11.1 In these Contest Rules, the entrant is the person identified on the entry form or no-purchase entry letter, as applicable. The prize will be awarded to that person if they are selected and declared a winner.

11.2 If any provision of these Contest Rules is declared unenforceable by a court of competent jurisdiction, that provision will be deemed null and void, but all other unaffected provisions will remain in force.

11.3 If the English and French versions of these Contest Rules are not identical, the French version will prevail.

You aren't eligible? Discover the World Mastercard Credit Card or the Platinum Mastercard credit card.

To learn more about the terms applicable to your card, read the Credit card Agreement[PDF].

There are two main elements of a joint credit card:

• The primary cardholder’s name will be the one that appears on the credit card contract. This person can decide to add up to three authorized users to their account, as well as remove them at any time. They must meet all the eligibility criteria to apply for a credit card. 
• An authorized user has their own card and PIN. However, all transactions made by that person are charged to the primary cardholder’s account. An authorized user could be a spouse, a child aged 16 or older, or a friend. The designated person doesn’t need to meet all of the eligibility criteria to access their card. 

Please remember that the primary cardholder is responsible for paying any outstanding balances and managing the account. This also means that they’re the ones who will receive any cashback generated by the account. If any disagreements or separations occur, the authorized users and primary cardholder must agree on how to proceed. 

The authorized user doesn’t receive a statement and doesn’t have access to transaction details and account information, including the credit card limit. However, both cardholders can enjoy the benefits of their card. They can also change their respective PINs, as well as cancel or replace their cards.

How do I get a joint credit card?

If you’re applying for a new credit card, answer “Yes” to the “Do you need an additional card” question in our application form.

If you’d like an additional card for an existing account, fill out our credit card application or call us at 1-888-622-2783. 

Please note that there’s an annual fee for an additional credit card. 

To learn about how we protect your information, consult our Confidentiality Policies.

®Mastercard et World Elite are registered trademarks, and the circles design is a trademark of Mastercard International Incorporated. Authorized user: National Bank.

® The À LA CARTE REWARDS logo is a registered trademark of National Bank of Canada. 

® À LA CARTE REWARDS PLAN is a registered trademark of National Bank of Canada 

® Apple Pay is a trademark of Apple Inc., registered in the U.S. and other countries and regions. Apple Inc. is not a sponsor of or participant in National Bank Mobile Banking Solutions.  

® Google Pay is a trademark of Google LLC and this content is not endorsed by or affiliated with Google in any way. 

TM À LA CARTE TRAVEL is a trademark of National Bank of Canada. À la carte Travel is owned by Transat Distribution Canada Inc., holder of permit No. 753141 in Quebec.

TM À LA CARTE REWARDS is a trademark of National Bank of Canada.

®THE TOTAL, THE CONNECTED, AND NATIONAL BANK are registered trademarks of National Bank of Canada.

* World Elite^® Mastercard^®

National Bank^® of Canada World Elite^® Mastercard^® credit card was named the best Mastercard credit card by Milesopedia in 2026, 2025 and 2024.

National Bank^® of Canada World Elite^® Mastercard^® credit card was named the best travel credit card by Milesopedia in 2026, 2025 and 2024.

Each year, Milesopedia examines the credit card offers of the largest financial institutions and establishes its ranking according to more than 150 criteria such as fees, welcome offers, minimum income required, number of points per category, account credits, insurance, airport lounge access, etc.

1. Certain restrictions apply. For more information, consult the Rewards plan section or the Plan rules regarding how to earn points.

2. Grace period:

No interest will be charged on purchases made during the month, provided the client pays the balance in full within twenty-one (21) days of the statement date. This grace period does not apply to cash advances or balance transfers. Minimum payment: If your account balance is lower than $10, you must pay the entire balance. If you reside in the province of Quebec, your minimum payment will correspond to 5% of the credit card account balance plus any overdue payment or $10, whichever amount is higher. If you reside outside of Quebec, your minimum payment represents 2.5% of the credit card account balance plus any overdue payment or $10, whichever amount is higher. Account statement: A statement is sent monthly.

Example of credit charges over a 30-day period

*Variable interest rate in effect on September 1, 2021

3. Balance transfer and cash advance are subject to credit approval by National Bank. Each balance transfer must be at least $250.

4. Exclusively available to World Elite Mastercard cardholders. Guests must present their physical credit card and boarding pass to access the National Bank Lounge^TM.

The Lounge is only available to clients travelling to international destinations, excluding Canada and U.S. flights.

Cardholders benefit from free and unlimited access with a guest and two children aged 12 or under.

Until July 31, 2026 (date is subject to change), guests can spend a maximum of three (3) hours in the Lounge. As of August 1, 2026 (date is subject to change), due to the renovations, guests can spend a maximum of two (2) hours in the temporary lounge. Private Banking 1859^® World Elite^® Mastercard^® credit cardholders can spend a maximum of three (3) hours in the temporary lounge.

National Bank clients who are not World Elite^® Mastercard^® cardholders can also access the current lounge while enjoying a 25% discount on these rates:

• $63.24 taxes included for adults (excluding discount)
• $40.24 taxes included for children aged 2 to 12 (excluding discount)
• Free for children under 2 years old (excluding discount) 

The entrance fee is subject to change without notice and is the responsibility of the lounge operator.

5. Clients must submit required documents within the given deadline. Certain conditions may apply. Only the primary cardholder (“Cardholder”) of National Bank World Elite Mastercard whose account is in good standing can request a refund of travel expenses. An account in good standing refers to an account linked to a credit card which complies with the Agreement governing the use of the credit card and which is not subject to any restrictions. For example, the annual fees related to the credit card must have been paid in full. The maximum amount that can be submitted for reimbursement between January 1 and December 31 of each year is $150.

Eligible expenses include: 

• airport parking fees
• baggage fees
• seat selection fees
• access to airport lounges worldwide 
• airline ticket upgrades

The claim must be submitted within 60 days of the purchase date and accompanied by proof of purchase. The travel fees must be charged to the National Bank World Elite Mastercard credit card. The maximum reimbursement amount is $150 per account. The refund will be issued within 7 business days following the request approval date and after receiving all required information. An amount not claimed in a year cannot be carried over to the following year. For more information or to obtain the refund form, sign in to rewards.nbc.ca, click the Refund of travel expenses tab and complete the form, you can also contact us at 1-888-296-8881 (toll-free).  

6. The amount of points earned on grocery and restaurant purchases depends on the total gross monthly amount charged to the credit card account, regardless of the purchase category. You will earn 5 points for every dollar in eligible grocery and restaurant purchases until a total of $2,500 in gross monthly purchases is charged to the account. After that, you will earn 2 points per dollar in eligible grocery and restaurant purchases. The total gross monthly amount is calculated based on your monthly billing period. Grocery purchases include any purchase made at a store that primarily sells food, i.e., grocery store, delicatessen, supermarket, greengrocer or specialty food store. Ready-to-eat meal services and meal delivery services are eligible. This definition excludes purchases made at retail stores and big box stores whose core business is the sale of non-food items. Certain merchants may sell products and services that appear identical or similar to those sold by eligible merchants, or may be separate merchants located on the same premises as eligible merchants, but are classified in different categories by Mastercard. For purchases at other merchants, you will only earn regular rewards points. Restaurant purchases include purchases at a restaurant, fast food restaurant, bar, nightclub or pub. For a full list of Mastercard codes associated with eligible merchants, download the terms and conditions of the À la carte Rewards Plan^®.

7. This coverage applies to purchases and rentals charged in part to the card, except out-of-province medical/hospital insurance for which the travel arrangements need not be charged to the card and lost or delayed luggage insurance where all transportation costs must be charged to the card. This coverage applies to the primary cardholder, their spouse and/or dependent children when they (spouse and/or dependent children) travel with the primary cardholder. Extended warranty coverage applies to most new items purchased with the card, in Canada or abroad, as long as the manufacturer's warranty is valid in Canada. Certain conditions and restrictions apply. For more information and for details of your insurance coverage, please consult the insurance certificate associated with your card.

8. Subject to credit approval by National Bank.

9. Certain conditions apply. Visit mastercard.ca for more information. Refer to the credit card terms and conditions.

10. To earn 2 points per dollar in purchases, you will need to purchase gas or an electrical vehicle charge from a service station or from certain big-box stores. Certain merchants may sell products and services that appear identical or similar to those sold by eligible merchants, or may be separate merchants located on the same premises as eligible merchants, but are classified in different categories by Mastercard. For purchases at other merchants, you will only earn regular rewards points. For a full list of Mastercard codes associated with eligible merchants, download the terms and conditions of the À la carte Rewards Plan^®.

11. Recurring bill payments are defined as monthly or regular payments automatically charged by a merchant to your National Bank World Elite Mastercard credit card. Not all merchants offer recurring bill payments, and not all recurring payments are considered recurring bill payments. Certain payments therefore may not entitle you to earn more points.

12. To earn 2 points per dollar in purchases, you must make your eligible purchases via the À la carte Travel^TM Agency section of our À la carte Rewards^TM site.

13. For example, if each month you charge $400 in groceries, $200 in gas, $100 in recurring bill payments and $150 in other purchases to your card, your $850 in purchases will earn you 2,750 points, as follows: 2,000 points for grocery purchases (since the total gross monthly amount is $850, i.e., under $2,500), 400 points for gas purchases, 200 points for recurring bill payments and 150 points for other purchases.

14. Up to $1,000 in the event of breakage, loss or theft for a maximum of 2 years after the purchase date. The device must have been purchased using your National Bank World Elite Mastercard credit card, or your phone plan must be paid via recurring payments charged to your National Bank World Elite credit card starting September 1, 2022. For complete terms and conditions, please consult the insurance certificate associated with your card.