Home Bank accounts
Credit cards
Savings and investments
Home Banking Solutions
Credit Cards
Going Further
Tips and Tools
Wealth Management
World Elite mastercard

World Elite Mastercard

Get?benefits and rewards worth up to $800?per?year (minimum annual purchase amount?required)*

${p1.urlForms | link:"Apply now":"btn btnRTE3":"_blank"}

Gross annual income?of $80,000 for applicant, or $150,000?for household



per dollar spent1

${p1.productPricing.AF_CRD.productPricingValue | amount:"true"}

Annual fee


Interest rate (balance transfers and cash advances)2-3


Purchase rate 2-3

How do I take advantage of my rewards?

The National Bank World Elite credit card offers you the equivalent of $800 in rewards each year when you reach the required minimum purchase amount*. Here is the value of each benefit.

picto/stamp-en Value

World Elite credit card

More than $350 in reward points1 (with $2,500 in purchases/month)

$250 refund on travel expenses

Unlimited access to the National Bank Lounge with a guest4 (value of over $200)

Benefits of the?${p1.nomProduit}

Pay with points

More with your points

Make a payment on your card, make a donation or redeem your reward points for a gift card or financial product.

Extended warranty

Extended warranty

Get up to triple the manufacturer's warranty for most items purchased using your credit card, up to 2 additional years.7

Rebais vacances

Travel discounts

Redeem your points to pay for travel expenses, such as plane tickets, car rentals or vacation home rentals.

Access to the VIP Lounge at the airport

Unlimited access to National Bank Lounge

You and a guest can enjoy free access to the National Bank Lounge at Montréal-Trudeau Airport, with drinks, snacks, Wi-Fi and much more! 4

Frais de voyage remboursés

Travel expenses

Get a refund of up to $250 per year on seat selection, airport parking and baggage fees.5-6

Comprehensive travel insurance

Comprehensive travel insurance

Enjoy up to 60 days' coverage with our travel, trip cancellation/interruption, or baggage loss insurance and up to 48 days for car rental insurance.7

Picto devices

Good to know

Did you know that several features are available to help you manage your credit card? These free services are accessible from your online bank and National Bank app. Easily carry out your transactions wherever, whenever.?Learn more.

Are you eligible?

To be eligible, applicants must have an annual gross income of 80 000$ or an annual household income of 150 000$. Otherwise, they must have a minimum value of 400 000$ in assets or 25 000$ in yearly minimum purchases (current customers only) per year on their card. 

See every criterion here

Apply for this card

Still not sure? Compare all our cards here




Earn points

Our generous à la carteMD Rewards Plan lets you decide how to benefit from it.

Women online shopping

Shop for your rewards

Take advantage of your points by purchasing exclusive products and exciting experiences.

Not sure yet?

picto compare cards
picto cards

Pack your bags! Completing an application takes just a few minutes.

${p1.urlForms | link:"Apply now":"btn btnRTE3"}

Little details that matter

Eligibility criteria





























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

Annual fee and interest rate

Annual fee2


Annual fee for additional card


Purchase rate


Balance transfer and cash advance rate2-3


Minimum credit limit8

${p1.productCriteria.AMTRANGE.criteriaLowerValue | amount:"true"}

Rewards plan

Number of points per $ spent1

Earn up to 2 points per dollar spent, based on your
net spending over a 12-month period starting on the date you open the account:

  • $0 to $40 000 = 1.5 points per dollar in purchases
  • $40 001 to $80 000 = 2 points per dollar in purchases
  • $80 001 and more = 1.5 points per dollar in purchases

Earn points even faster by adding another card to your account (e.g. for your spouse) or by booking travel through our À la carte Travel? online agency.

Travel deals1

With the À la carte RewardsTM, you have the freedom to travel with the agency and airline of your choice. For more information on travel rewards, go to

À la carte Travel

Save on vacation packages and airline tickets when you redeem your points through the À la carte TravelTM online agency. Plan your entire trip with hotel and cruise bookings, car rentals and more.
Discover the À la carte Travel online agency

À la carte Extras

Invest in a financial product, save on your banking packages or pay your mortgage with your rewards points thanks to the À la carte Extras program®

Repayment with rewards points

Pay your credit card balance with your rewards points directly in your online bank

For more details, visit our Repay with points program page.


Summary and insurance certificate

Consult the${p1.guideDistr|link:"Summary":"":"_blank" }[PDF] and the${p1.certif|link:"Insurance Certificate":"":"_blank" }[PDF]

Zero Liability9


Purchase protection in the event of theft or damage7

${p1.assuranceAchats} days following the purchase date

Extended warranty7


Trip cancellation insurance7

Up to $2,500 per person

Trip interruption insurance7

Up to $5,000 per person

Out-of-province-of-residence medical/hospital insurance7

Up to $5,000,000 per person:

  • 54 and under: 60 days
  • 55 to 64: 31 days
  • 65 to 75: 15 days

If your trip exceeds these time frames, you will not be covered.

Departure flight delay insurance7

Up to $500 per person (over 4 hours)

Baggage insurance in case of delay7

Up to $500 per person (over 6 hours)

Baggage insurance in case of theft or loss7

Up to $1,000 per person

Vehicle rental insurance7

Against collision, theft or damage for a period of 48 days or less (theft of personal effects up to $2,000)

Medical, general and legal assistance7


Important phone numbers

Customer service (24/7)

À la carte Rewards Centre

Concierge service and travel fee reimbursement (24/7)

Insurance claim and assistance

Lost or stolen card

Cardholder Agreement

To learn more about the terms applicable to your card, read the${p1.urlConvention.en | link:"Cardholder Agreement":"":"_blank"}[PDF].

Confidentiality Policies

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

Legal Disclaimers

MD à LA CARTE REWARDS PLAN AND à LA CARTE EXTRAS are registered trademarks of National Bank of Canada.

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

MD ESCAPADE, OVATION AND ALLURE EDITIONS are registered trademarks of National Bank of Canada

TM ID Check and Identity Check are trademarks of Mastercard International Inc. Authorized user: National Bank.

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.

*The potential benefit amount of $800 is an example of what a World Elite cardholder could obtain every year after signing up. This example is based on a cardholder who charges $30,000 to their card every year, gets $250 in travel fee refunds and visits the National Bank Lounge twice with a guest. The amount was calculated as follows: $30,000 in expenses per year equalling 45,000 reward points, which is equivalent to more than $350 in electronic gift cards ($100 for every 12,500 points) or travel discounts ($100 for every 12,000 points), $250 refund on travel fees and two visits to the Lounge with a guest ($48.29 plus taxes per person). Certain eligibility conditions apply. The potential benefit amount varies depending on the annual expenses charged to the account and the number of visits to the National Bank Lounge.

1. Certain restrictions apply. You must, therefore, first pay for your trip in full with an eligible credit card to redeem your points. Your travel credit will take effect approximately 72 hours after the exchange. For more information, consult the applicable rules for earning points in the à la carte Rewards Plan section

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.

Examples of credit charges

Example of credit charges over a 30-day period

Annual interest rate

Average balance
















*Variable interest rate in effect on July 1, 2019

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 holders of the World Elite Mastercard. Visitors must present their credit card and boarding pass to access to the National Bank Lounge. Further to a decision by Aéroports de Montréal, the National Bank Lounge will only be available to clients flying to destinations outside the U.S. and Canada, effective April 3, 2019. Guests cannot spend more than three (3) hours in the Lounge. For National Bank clients who do not have free Lounge access and for additional guests, admission is around $40 for adults and $25 for children, plus tax. Admission is free for children under three years old. The entry price may change at any time without notice and at the discretion of the Lounge operator.

5. On condition that required supporting documents are provided in the manner and time frame prescribed. Some restrictions may apply.

6. Only the primary cardholder (Cardholder) of National Bank World Elite Mastercard whose account is in good standing can request a travel reimbursement. 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 $250. Eligible expenses include: airport parking fees (maximum $100), baggage fees (maximum $100) and seat selection fees (maximum $50). 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 $250 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, click the Smart Traveller Fees tab and complete the form, you can also call 1?888?296?8881 (toll-free) in Canada and the United States, or +1?416?734?3922 (collect) from anywhere in the world.

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, his/her 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 for more information. Refer to the credit card terms and conditions.

*The number of points required for any à la carte Extra is subject to change without notice.

Ready to travel with the World Elite Mastercard??

Completing an application takes just a few minutes.

${p1.urlForms | link:"Apply now":"btn btnRTE3"}

picto FAQ
Ic?ne téléphone