Card eligibility min. income: $80k (or $150k household)
Welcome bonus eligibility must not have had a NBC card in the past 2 years
Terms and conditions apply. Flytrippers editorial opinion only. NBC is not responsible for maintaining the content on this site. Please click "Apply Now" to see most up-to-date information.
Summary of Flytrippers' review
WHY GET THIS CARD
Good first-year value of ≈ $150
Value offered every year if you keep it
Very simple rewards
Unlimited free access to just 1 airport lounge (YUL)
Excellent insurance coverage (including for reward flights, for long trips, and for 65+)
Excellent multiplier earn rate and Boingo Wi-Fi
Exclusive offer through digital partners (must use Flytrippers’ link)
WHO SHOULD GET THIS CARD
Those who usually pay for travel extras
Those who are 65 and over
Those with income levels over $80k (personal) or $150k (household)
How to learn more
Go to our editorial card review page (coming soon)
You will have 0 points after unlocking the main part of the welcome bonus AND $300 in credits for travel extras ($150 to use in 2024 AND $150 to use in 2025).
That gives you:
$0 in free travel at the Flytrippers Valuation + $300 in credits for travel extras
━
Concrete examples of redemptions
Here are some of the actual redemptions you can get with the rewards portion:
$0 as a simple travel credit that can be applied to any travel expense booked through the À la carte Travel service
≈ $0 as a simple travel credit that can be applied to any travel expense booked with any provider
Here are some of the actual redemptions you can get with the travel credits:
$150 as credit that can be applied to airport parking, baggage fees, seat selection, seat upgrades, or airport lounge access (to use in 2024)
$150 as credit that can be applied to airport parking, baggage fees, seat selection, seat upgrades, or airport lounge access (to use in 2025)
‣Learn more about the best uses of À la carte points and National Bank credits for travel extras (coming soon)
$150 credits for travel extras You get annual credits of $150 for baggage fees, airport parking, seat selection, seat upgrades, or airport lounge access. The $150 credits are offered every calendar year, so you can use it in 2023, then again in early 2024.
‣Learn more about the National Bank travel credits (coming soon)
━
Travel insurance that covers all points redemptions You will be covered for all flights, even if they are booked as points redemptions with other reward programs, as long as you charge any portion to your card (so just the taxes is fine).
‣Learn more about insurance for points redemptions (coming soon)
━
Access to YUL airport lounge The card gives you unlimited access to just 1 airport lounge for you and 1 guest (Montreal airport, non-USA international flights only).
Membership in the Mastercard Travel Pass by DragonPass for airport lounge access Warning: Many cards offer membership AND free lounge access passes; this one just gives membership and no free passes.
‣Learn more about airport lounge access (coming soon)
Medical travel insurance for 60 days (54 years and under) Medical travel insurance for 31 days (55 years to 64 years) Medical travel insurance for 15 days (65 years to 75 years) Trip cancellation insurance Trip interruption insurance Flight delay insurance Car rental insurance Delayed and lost baggage insurance Travel accident insurance Mobile device insurance Purchase protection Extended warranty
‣Learn more about the National Bank® World Elite Mastercard®‘s insurance coverage (coming soon)
━
Insurance not included
None
‣Learn more about the different types of insurance coverage (coming soon)
Redemptions NBC À la carte points can be used as a simple travel credit (which can be applied to any travel booked through the À la carte Travel service).
‣Learn more about the NBC À la carterewards program (coming soon)
━
Value NBC À la carte points are fixed-value rewards (fixed value of 1¢).
‣Learn more about NBC À la carte points (coming soon)
━
Expiry NBC À la carte points never expire as long as you have the card. And even if you no longer have the card, you can easily extend the expiration indefinitely.
‣Learn more about NBC À la carte points expiry (coming soon)
━
Pooling NBC À la carte points cannot be pooled with travel companions.
‣Learn more about pooling NBC À la carte points (coming soon)
━
Transfers NBC À la carte points cannot be transferred to more valuable rewards programs.
‣Learn more about point transfers (coming soon)
━
Other redemption options NBC À la carte points can be used for rewards other than travel but this should be avoided.
‣Learn more about why you should always use your rewards for travel (coming soon)
━
Logistics of redemptions NBC À la carte points can be redeemed directly on the NBC website.
‣Learn more about how to get started with NBC À la carte rewards (coming soon)
━
Program summary Rewards: NBC À la carte points Type: Fixed-value rewards Subtype: Standard rewards Variety: Bank rewards Flytrippers Valuation: 1¢ per point Minimum value: 0.8¢ per point Maximum value: 1¢ per point Transferable: No
‣Learn more about rewards programs basics (coming soon)
Card eligibility Minimum income: $80,000 (personal) OR $150,000 (household) Age: Majority in your province Estimated credit score: Good Credit bureau: Equifax Canada
‣Learn more about credit card eligibility requirements (coming soon)
━
Welcome bonus eligibility Currently no bonus, but normally you must not have held a Mastercard issued by National Bank in the past 24 months to get a welcome bonus, so getting the card now will keep you from getting a welcome bonus for years
‣Learn more about credit card welcome bonus eligibility rules (coming soon)
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
*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.
Start earning rewards today
And make sure to download our free checklist for when you get a new card—it includes very important mistakes to avoid (it will open in a separate tab, or you can click here)
This content is not sponsored. However, this page may contain some affiliate links that allow Flytrippers to earn a commission at absolutely no cost to you. Thank you for using our links and helping us keep all our content free for everyone. This helps us fulfill our mission of helping Canadians travel more for less.
The views and opinions expressed on this page are purely our own. They have not been provided, approved, endorsed, or ratified by any third party mentioned on the site.
Financial institutions are not responsible for updating or ensuring the accuracy of the information on Flytrippers’ website. All the information was independently collected by Flytrippers and not provided by financial institutions.
All offers described on the Flytrippers website are subject to the financial institutions’ latest terms and conditions, which can be found on their official website. No efforts are spared to ensure this page is up to date but offers from financial institutions change quickly. It is your responsibility to ensure the accuracy of these offers on their website. Flytrippers will not accept any responsibility for the accuracy of the offers or the result of your actions.
Flytrippers’ website does not contain all available credit card offers or all available credit card products on the market. In addition, Flytrippers never shares an offer if it is not considered advantageous for some travelers, at its sole discretion.
No author on Flytrippers’ website is a financial advisor, a financial planner, a legal professional, or a tax professional. No author on Flytrippers’ website can in any way be considered as such.
All articles, pages, and content on Flytrippers’ website are merely personal opinions of a general nature and are for informational purposes only and should not be considered advice for specific situations. It is your responsibility to perform your own personal research to ensure that travel rewards are appropriate for your own situation.
This content is not sponsored. However, this page may contain some affiliate links that allow Flytrippers to earn a commission at absolutely no cost to you. Thank you for using our links and helping us keep all our content free for everyone. This helps us fulfill our mission of helping Canadians travel more for less.
The views and opinions expressed on this page are purely our own. They have not been provided, approved, endorsed, or ratified by any third party mentioned on the site.
Financial institutions are not responsible for updating or ensuring the accuracy of the information on Flytrippers’ website. All the information was independently collected by Flytrippers and not provided by financial institutions.
All offers described on the Flytrippers website are subject to the financial institutions’ latest terms and conditions, which can be found on their official website. No efforts are spared to ensure this page is up to date but offers from financial institutions change quickly. It is your responsibility to ensure the accuracy of these offers on their website. Flytrippers will not accept any responsibility for the accuracy of the offers or the result of your actions.
Flytrippers’ website does not contain all available credit card offers or all available credit card products on the market. In addition, Flytrippers never shares an offer if it is not considered advantageous for some travelers, at its sole discretion.
No author on Flytrippers’ website is a financial advisor, a financial planner, a legal professional, or a tax professional. No author on Flytrippers’ website can in any way be considered as such.
All articles, pages, and content on Flytrippers’ website are merely personal opinions of a general nature and are for informational purposes only and should not be considered advice for specific situations. It is your responsibility to perform your own personal research to ensure that travel rewards are appropriate for your own situation.
Valuation ≈ $150