Annual Fee
$89
Extra Card Fee
$35
Purchase
19.99%
Cash Advance
22.99%
Balance Transfer
22.99%
Personal Income
N/A
Household Income
N/A
Canadian resident who has reached the provincial age of majority.
  • Earn 1 point for every $1 spent.
  • A flexible rewards plan that allows you to redeem for travel, financial services, merchandise, and even charitable donations.
  • Use your points for travel agency services, and get discounts if you book through National Bank’s booking service.
  • One of the best extended warranties available that triples your coverage up to 2 additional years.
  • Up to 10 days of travel medical for those under age 74, as well as 9 other types of insurance.
Extended Warranty 2 years
Purchase Protection 180 days
Emergency Medical Term 10 days
Emergency Medical over 65 10 days
Trip Cancellation $2,500
Trip Interruption $5,000
Flight Delay $500
Baggage Delay $500
Lost or Stolen Baggage $1,000
Rental Car Theft & Damage Yes
Rental Car Personal Effects $2,000

Please review your insurance certificate for details, exclusions and limitations of your coverage.

®ECHO, ALLURE, EDITION and À LA CARTE REWARDS PLAN, are registered trademarks of National Bank.

®ULTRAMAR is a registered trademark of Valero, used under licence.

® WORLD MASTERCARD and WORLD ELITE are registered trademarks of Mastercard International Inc. Authorized user: National Bank.

® Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.

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Our Review

If you don’t meet the income requirements for the National Bank World Mastercard, the National Bank Platinum Mastercard could be a great compromise for you.

With an annual fee of $89, this card will give you a straight 1 point on every $1 you spend – no need to worry about tiers or caps.

The rewards you earn with this card are the same flexible rewards earned with the World and World Elite versions that can be used for a number of different things:

  • travel,
  • merchandise,
  • gift cards, and...
  • financial services.

When rewards are redeemed for travel through À la carte Rewards, you get a 1% return on your spending.

10,000 À la carte points = $100 in travel

For a card that has an annual fee of $89, a 1% return is not the best. However, this card has a few benefits that could really make that annual fee worth it for some.

For starters, this card has a really great insurance package.

You with get 10 types of purchase and travel insurance that includes some of the best purchase insurance in Canada – 180 days of purchase protection and 2 years of extended warranty – double what you would get with pretty much any other credit card.

As if that wasn't enough, this is one of the few credit cards in Canada that extended travel insurance past the age of 65. In fact, with this card you will be covered for 10 days of travel up until the age of 74.

Any other card that comes with insurance at this level also comes with a pretty high income requirement, making this card a great option if you don't have a 60K + income.

Curious to know more? Check out our full review of the National Bank Travel Mastercards.

What are your thoughts?

The creditcardGenius algorithm calculates an estimated dollar value for all rewards and bonuses by using a typical point value a person can realistically achieve by redeeming their rewards in a reasonably optimized way. The "Welcome Bonus" is the dollar value obtained by combining of all one-time bonuses available to new cardholders within the first year. To qualify for the full bonus you may need to make purchases, meet minimum spending requirements, or complete special actions. Terms and conditions apply.

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