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National Bank Platinum Mastercard®

National Bank Platinum Mastercard®

Not yet rated
Travel
Welcome bonus – Earn up to $320 in first-year bonuses.

Card highlights

First year reward

$630

Based on spending $2,200/mo after $70 annual fee

Welcome bonus

$320

Annual fee

$0$70

First year waived



Rewards & bonuses

See what you could earn based on how you spend.

Welcome bonus

Earn up to $320.

From June 30, 2026 to November 4, 2026: 10,000 points when enrolling in credit card payment insurance for at least the first three months, 15,000 points if you made $2,500 in purchases within the first three months, 15,000 points if you made $10,000 in purchases within the first 12 months

Earn rates

2 points/$1
On spent on eligible grocery and restaurant purchases*Up to $1,000 / month, then 1.5 points/$1
1.5 points/$1
On spent on gas, electric vehicle charging, recurring bills and À la carte Travel purchases*
1 point/$1
On spent on all other purchases*

Caps apply where shown. Rewards are earned on eligible purchases only, see the card’s terms for full details. 125 points = $1.

Your earning potential

First year reward

$630

Based on spending $2,200/mo after $70 annual fee

Second year reward

$240

Based on spending $2,200/mo after $70 annual fee

These numbers are based on estimations and the calculation breakdown below.

Adjust your spending

First year reward

If you spend $2,200/month, you’ll earn
$310
Welcome bonus
+ $320
Annual fee
first year waived
$0
First year reward
$630

Second year reward

If you spend $2,200/month, you’ll earn
$310
Annual fee
– $70
Second year reward
$240

Estimate calculated by Ratehub.ca and is based on current offers and a monthly spend of $2,200. It is for illustrative purposes only.


Perks & insurance

Perks and insurance coverage included with the card.

PerksDetails
Lounge access Not included
No foreign exchange fees Not included
Extended warrantyPossibility of tripling the manufacturer's warranty (up to 2 additional years)
Price protection Not included
InsuranceDetails
Travel accident insurance Not included
Travel emergency medical Included
Car rental insuranceAgainst collision, theft or damage for a period of 48 days
Trip cancellationUp to $1,000 per person
Trip interruptionUp to $1,500 per person
Flight delay insuranceUp to $500 per person (over 4 hours)
Baggage loss insuranceUp to $1,000 per person
Baggage delay insuranceUp to $500 per person (over 6 hours)
Hotel/motel burglary Not included
Mobile insuranceUp to $1,000 in the event of accidental breakage, loss or theft for a maximum of 2 years after the purchase date
Purchase assurance180 days following the purchase date

Details & eligibility

Fees

Annual fee
$0 for the first year, then $70 per year after

Rates

Purchase interest
20.99%
Balance transfer rate
22.49%
Cash advance rate
22.49%

Type

Provider
National Bank of Canada
Card type
Travel
Payment network
Mastercard

Eligibility

Minimum personal income
N/A
Minimum household income
N/A
Minimum credit score
760+
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Terms & conditions