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National Bank Platinum Mastercard®

Card Value & NBC Rewards Points Calculator
card
Fees
Earning Rates
  • Earn 2 points per $1 on the first $1,000 in grocery and restaurant purchases monthly, then 1.5 points per $1 spent.
  • Earn 1.5 points per $1 spent on gas and electric vehicle charging, À la carte Travel, and recurring bill payments.
  • Earn 1 point per $1.50 spent on all other purchases.
Main Benefits
  • Travel & purchase insurance.
Rewards Details
  • NBC Rewards points have the best value of 1 cent per point when redeemed towards travel through the À la carte Travel™ Agency. This means 10,000 points would be worth $100 in cash value towards travel.
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Earning Rewards

The NBC Platinum Mastercard earns NBC points at the following rate:

  • 2 points per $1 spent on the first $1,000 in grocery and restaurant purchases monthly, then 1.5 points per $1 spent.
  • 1.5 points per $1 spent on gas and electric vehicle charging, À la carte Travel, and recurring bill payments.
  • 1 point per $1.50 spent on all other purchases.

Rewards Value

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Perks & Benefits

Here are the benefits of the NBC Platinum Mastercard:

  • Travel & Purchase Insurance: Out of Province Hospital Medical Insurance, Trip Cancellation Insurance, Trip Interruption Insurance, Flight Delay Insurance, Stolen or Lost Luggage Insurance, Vehicle Rental Insurance, Mobile Device Insurance, Purchase Protection and Extended Warranty.

Card Fees

Annual Fee

The NBC Platinum Mastercard has a $70 annual fee.

Authorized User Fee

Adding authorized users to the NBC Platinum Mastercard will cost $35 per additional card, per year.

Foreign Transaction Fee

The NBC Platinum Mastercard has a foreign transaction fee of 2.5%. This means you will be penalized when using the card to make purchases that are not in Canadian Dollars.

NBC Rewards Points Calculator

Input your monthly and yearly spend amounts into the National Bank Platinum Mastercard point calculator to estimate how much you can earn. Compare the results side by side up to two credit cards from any issuer.

Any spend entered into the primary card column (the first column) will carry over to all credit card calculators on the site, so there's no need to re-enter spend when viewing other credit cards.

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Credit Terms

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:

Average Interest Rate Average Balance
$500 $3,000
22.49% $9.24 $55.45
20.99% $8.63 $51.76
12.90% $5.30 $31.81
8.9% $3.66 $21.95

*Variable interest rate in effect on September 1, 2021

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

Details of eligible rewards points

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

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 2 points for every dollar in eligible grocery and restaurant purchases until a total of $1,000 in gross monthly purchases is charged to the account. After that, you will earn 1.5 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®.

To earn 1.5 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®.

Recurring bill payments are defined as monthly or regular payments automatically charged by a merchant to your National Bank Platinum 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.

To earn 1.5 points per dollar in purchases, you must make your eligible purchases via the À la carte TravelTM Agency section of our À la carte RewardsTM site.

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 1,350 points, as follows: 800 points for grocery purchases (since the total gross monthly amount is $850, i.e., under $1,000), 300 points for gas purchases, 150 points for recurring bill payments and 100 points for other purchases.

Travel and health insurance conditions

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.

Mobile device protection

The device must have been purchased using your National Bank Platinum Mastercard credit card, or your phone plan must be paid via recurring payments charged to your National Bank Platinum credit card starting September 1, 2022. For complete terms and conditions, please consult the insurance certificate associated with your card.