La Mastercard World Elite Banque Nationale est l’une des cartes de crédit les plus prestigieuses offertes par la Banque Nationale du Canada. Elle est conçue pour les particuliers qui recherchent une carte de crédit offrant des avantages exceptionnels, des privilèges exclusifs et des récompenses supérieures.
La Mastercard World Elite Banque Nationale est l’une des cartes de crédit les plus prestigieuses offertes par la Banque Nationale du Canada. Elle est conçue pour les particuliers qui recherchent une carte de crédit offrant des avantages exceptionnels, des privilèges exclusifs et des récompenses supérieures.
Aucun Frais Annuel la première année
Cette carte de crédit offre une limite de crédit élevée et aucun frais annuel la première année. Après la première année, les frais annuels sont de 150 $, ce qui reste tout à fait raisonnable compte tenu des avantages qui accompagnent la carte.
Programme de récompenses
L’un des plus grands avantages de la Mastercard World Elite Banque Nationale est son programme de récompenses. Les titulaires de carte gagnent 1,5 point de récompense pour chaque dollar dépensé sur des achats éligibles. Ces points de récompense peuvent être échangés contre des voyages, des marchandises, des cartes-cadeaux ou des remises en argent. Pour les voyageurs fréquents, il s’agit d’un excellent avantage car ils peuvent utiliser leurs points de récompense pour couvrir le coût des vols, des séjours à l’hôtel et des locations de voiture.
Assurance voyage
Un autre avantage majeur est son assurance voyage. Les titulaires de carte reçoivent jusqu’à 5 millions de dollars en assurance médicale d’urgence pour des voyages d’une durée maximale de 60 jours, ce qui est l’une des limites de couverture les plus élevées offertes par toutes les cartes de crédit au Canada. De plus, les titulaires de carte bénéficient également d’une assurance annulation et interruption de voyage, d’une assurance bagages et d’une assurance collision de voiture de location. Ces prestations d’assurance offrent la tranquillité d’esprit aux voyageurs, sachant qu’ils sont protégés en cas d’événements imprévus pendant leur voyage.
Autres avantages
En plus de l’assurance voyage, la Mastercard World Elite Banque Nationale offre également une gamme d’autres avantages et privilèges. Les titulaires de carte ont accès à des salons d’aéroport exclusifs dans le monde entier grâce au programme Mastercard Airport Experiences. Ils peuvent également profiter des services de conciergerie, qui peuvent les aider à planifier leur voyage, à réserver des restaurants et à réserver des divertissements.
L’un des avantages uniques de la Mastercard World Elite Banque Nationale est son service VIP. Les titulaires de carte peuvent appeler une ligne téléphonique dédiée pour recevoir une assistance personnalisée d’une équipe de conseillers expérimentés. Ces conseillers peuvent vous aider dans tous les domaines, de la planification financière à la réservation d’expériences de voyage et de divertissement.
La Mastercard World Elite de la Banque Nationale offre également une gamme d’autres avantages, notamment une garantie prolongée, une protection des achats et une protection des prix. Ces avantages offrent une sécurité et une tranquillité d’esprit accrues lorsque vous effectuez des achats avec la carte.
Conclusion
Dans l’ensemble, la Mastercard World Elite Banque Nationale est un excellent choix pour les particuliers fortunés qui recherchent une carte de crédit offrant des avantages et des récompenses exceptionnels. Son programme de récompenses, son assurance voyage et ses privilèges exclusifs en font une carte qui se démarque sur le marché canadien. Bien que les frais annuels soient plus élevés que certaines autres cartes de crédit, les avantages offerts par la Mastercard Platine Banque Nationale compensent largement le coût.
Note: Nous voulions vous informer que nous recevons une compensation de la part de certaines sociétés de cartes de crédit présentées sur ce site. Mais ne vous inquiétez pas, nous faisons en sorte que nos recherches et notre contenu soient objectifs et basés sur une analyse impartiale. Si vous trouvez une carte de crédit qui vous convient via l’un de nos liens d’affiliation, cela peut également nous aider à continuer à fournir des informations utiles et pertinentes.
Notes Légales
World Elite Mastercard
In the legal disclaimer section
· Credit terms
· Details of eligible rewards points
· Details of NBC Lounge
· Details of refund for travel expenses
· Insurance
· Mobile device protection
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
| Annual 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 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®.
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®.
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.
To earn 2 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 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.
National Bank Lounge conditions
Exclusively available to World Elite Mastercard cardholders. Visitors must present their physical credit card and boarding pass to access the National Bank Lounge. The National Bank Lounge is only available to clients travelling to international destinations (excluding Canada and U.S. flights). 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 $37 for adults and $26 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.
Travel and health insurance conditions
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).
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 devices protection:
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.
World Mastercard
In the legal disclaimer section
· Details of eligible rewards points
· Credit terms
· Insurance
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.
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
| Annual 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.
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.
Platinum Mastercard
In the legal disclaimer section
· Details of eligible rewards points
· Credit Terms
· Insurance
· Mobile device protection
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
| Annual 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 speciality 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.
Mycredit Mastercard
In the legal disclaimer section
· Credit terms
· Details of Cashback
· Mobile device protection
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
| Annual 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.
Cashback details
Subject to credit approval by National Bank of Canada. The cashback granted is 1% on restaurant purchases and on recurring pre-authorized payments when you use recurring automatic transfers with your mycredit account. The cashback of 0.5% applies to all other eligible purchases during a billing cycle. The account must be in good standing when the cashback is awarded. Your account is in good standing when you comply with the obligations of your cardholder agreement (e.g., making your minimum payment by the due date). These eligible automatic transfers are defined as regular payments that are automatically withdrawn by a merchant on your credit card. Balance transfers, cash advances and fees resulting from the use of the card are excluded from the cashback calculation. For conditions and restrictions that apply to cashback rewards, refer to the Cashback Program [PDF].
Mobile device protection
Subject to the mobile device’s purchase with the card or mobile plan settled by recurring pre-authorized payments from your mycredit account.
Allure MasterCard
In the legal disclaimer section
· Contribution to QC Breast Cancer Foundation
· Credit Terms
· Cashback details
· Purchase protection and Extended warranty
Cashback details
The cashback is based on a point-accumulation system. You get 1 point for every $2 you spend using your Allure Mastercard® credit card, providing your account is in good standing. Once a year, in January, you will receive a $10 cashback for every 1,000 points earned. The cashback will be paid as a credit applied to your account and cannot be paid in cash. Your account is considered to be in good standing when you fulfill the obligations under your cardholder agreement (e.g., make the minimum payment by the due date). Interest charges, annual fees, balance transfers, cash advances, service charges, insurance premiums, promotional Mastercard cheques and refunded purchases are not eligible for rewards points. For details, see the Terms and conditions [PDF].
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
| Annual 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.
Purchase protection and Extended warranty
Purchase protection applies provided the purchases or expenses are charged to the National Bank Allure Mastercard® credit card account. Certain conditions and restrictions apply. For more information, please consult the insurance certificate for your credit card.
Extended warranty coverage applies to most new articles purchased with the card, in Canada or abroad, provided the manufacturer’s warranty is valid in Canada. Certain conditions and restrictions apply. For more information, please consult the guarantee certificate for your credit card.
Contribution to QC Breast Cancer Foundation
National Bank donates $0.10 for every $10 charged to an Allure Mastercard® credit card account over a 12-month period to the Quebec Breast Cancer Foundation. The annual donation is capped at $750,000.
ECHO MasterCard
In the legal disclaimer section
· Credit Terms
· Cashback details
· Purchase protection and Extended warranty
Cashback details
All eligible purchases qualify for 1% cashback when your account is in good standing. Your account is in good standing when you comply with the obligations of your cardholder agreement (e.g., making your minimum payment by the due date). The cashback will be paid as a credit applied to your account and cannot be paid in cash. An additional cashback of 0.5% is granted on the first $25,000 of eligible gas, grocery and online purchases charged annually to your credit card account. The additional cashback of 0.5% does not apply when the total of your annual eligible purchases exceeds $25,000. After that, the cashback equals 1% of eligible purchases, regardless of the type of purchase. For conditions and restrictions that apply to cashback rewards and a full list of codes associated with eligible merchants, refer to the cashback accumulation table [PDF] and the applicable rules [PDF].
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
| Annual 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.
Purchase protection and Extended warranty
This coverage applies to purchases charged to the National Bank ECHO cashback card. 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.
SYNCRO MasterCard
In the legal disclaimer section
· Prime rate and Interest details
· Credit Modalities
· Purchase protection and Extended warranty
Prime rate and Interest details
The prime rate means the annual variable interest rate posted by National Bank, from time to time, and used by the Bank to determine the interest rates on the demand loans it grants in Canadian dollars in Canada.
The interest rate for the SYNCRO card consists of a variable prime rate set by National Bank plus a fixed adjustment rate of 4% for purchases and 8% for balance transfers and cash advances. Please note that the annual interest rate for the SYNCRO card will not be less than 8.9% for purchases and 12.9% for balance transfers and cash advances.
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
| Annual 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.
Purchase protection and Extended warranty
This coverage applies to purchases charged to the National Bank Syncro card. 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.
MC1 MasterCard
In the legal disclaimer section
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
| Annual 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.