Travel Rewards Credit Cards

†Statement based on a comparison of the redeemable value of the non-promotional travel rewards points earned on premium flexible Canadian credit cards as of May 3, 2022. “Flexible” is defined as points earned when you purchase travel anywhere and “premium” refers to cards with an annual fee of ≤ $150 or has an income requirement of ≤ $150,000 annual individual income.

Duration of the promotion
February 13, 2023 to April 16, 2023

Card eligible for the promotion
National Bank Platinum Mastercard® credit card

Promotional advantages and terms and conditions of the promotion
To benefit from this promotion, sign up for the National Bank Platinum Mastercard® credit card no later than April 16, 2023. In addition, you must not be a primary cardholder of a National Bank Mastercard credit card (personal) or have been in the last 24 months.

- Save on annual fees the first year: The primary cardholder will be refunded their annual card fee the first year. The refund will appear as a fee and a credit on their statement no later than 4 months after the account was opened.

- Reward points:You could earn a combination of reward points as follows:

Welcome points
You will earn 10,000 reward points if you charge a net purchase amount of $2,500 to the credit card within 3 months of opening your account.
Points are earned on net purchases for a period of 3 months from the account opening date. Your reward points will be added to your credit card account in a single disbursement and appear on your statement no later than 5 months after the account was opened.

Points when you sign up for credit card payment insurance
You will earn 10,000 reward points if you sign up for credit card payment insurance for a minimum of 3 months. To obtain your reward points, complete the sections related to the Credit Card Payment Protection (CCPP) on the credit card application when you open your account.
Your reward points will be added to your credit card account in a single disbursement and appear on your statement no later than 5 months after the account was opened.

Points earned on the 1st anniversary of the account opening date
You will earn 5,000 reward points if you charge a net purchase amount of $6,000 to the credit card no later than 12 months after the account was opened.
Points are earned on net purchases for a period of 12 months from the account opening date. Your reward points will be added to your credit card account in a single disbursement and appear by the 2nd statement following your account anniversary date.

Reward points and refund conditions
Net purchases: The net purchase volume is the amount of purchases charged to the account minus returned items and refunds. Annual fees, balance transfers, cash advances (including transactions that can be directly converted to cash, such as money orders, bank transfers, travellers cheques and gaming transactions), interest charges and any other fees or adjustments not considered purchases are not included in the calculation of net purchases.

Account in good standing: The account must be open and in good standing at the time when annual fees are refunded or reward points are applied.

Reward limit: There is a limit of one reward amount per category (welcome points, points for signing up for credit card payment insurance, and points earned on the 1st anniversary of the account opening date) per credit card account and per client during the promotion, regardless of the number of cards linked to the account.

Other conditions
- The card is issued subject to credit approval by National Bank of Canada. Certain conditions apply.
- The promotion may not be combined with another promotion applicable to National Bank credit cards, nor is it retroactive.
- You must not be employed by us or by an entity in our group.
- The promotion may be modified or withdrawn without notice.

*Groceries and restaurants: 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.

Gas and electric vehicle charging: 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.

Recurring bill payments: 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.

À la carte TravelTM :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.

Other purchases: 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.