
National Bank World Elite Mastercard - Exclusive Welcome Offer
The National Bank World Elite Mastercard® is NBC’s best Mastercard credit card. With the current welcome offer, receive up to 35,000 bonus points distributed as follows:
- 10,000 points if you make at least $5,000 in purchases in the first 3 months
- 10,000 points if you make at least $10,000 in purchases in the first 6 months
- 15,000 points if you make at least $20,000 in purchases in the first 14 months
What’s more, you pay no annual fee for the first year.
With this card, you earn up to 5 points per dollar on your purchases:
- 5 points per dollar on grocery and restaurant purchases
- 2 points per dollar on gas and electric recharge purchases
- 2 points per dollar on recurring bills
- 2 points per dollar on À la carte Travel
- 1 point per dollar on all other purchases
And since it’s a National Bank Mastercard credit card, you can use it at Costco.
With this card, you have access to a $150 annual travel credit that you can use in any of these categories:
- Airport parking
- Baggage fees
- Seat selection
- Access to airport lounges
- Flight upgrades
In addition, you can enjoy access to DragonPass airport lounges and free Wi-Fi with Boingo. And unlimited access to the National Bank Lounge at Montreal-Trudeau.
Finally, Milesopedia voted the National Bank World Elite Mastercard® the Best Travel Credit Card and the Best Credit Card for Insurance in 2023 and 2024.
National Bank World Elite Mastercard® - Earning points
With the National Bank World Elite Mastercard®, you can earn up to 5 points per dollar:
Category | Points |
Grocery and Restaurant | 5* |
Gas and electric recharging | 2 |
Recurring bill | 2 |
À la carte Travel | 2 |
Other purchase | 1 |
For the Grocery and Restaurant category, you can earn 5 points per dollar up to $2,500 in total monthly purchases charged to the card.
Once you reach $2,500 in monthly purchases, you will earn 2 points per dollar on the Grocery and Restaurant category. This is still very good compared to other cards that only offer 1 point per dollar after the threshold is reached.
This makes the National Bank World Elite Mastercard® one of the best Mastercard credit cards for groceries and restaurants.

National Bank World Elite Mastercard® - Use of points
À la carte Rewards
To redeem your NBC Rewards points, you must log on to the dedicated NBC À la carte Rewards Plan portal.
You can book your vacation with your points (plus monetary supplement if required) through the À la carte Travel Agency: 10,000 points for every $100.
It’s simply the best use of your NBC Rewards points!

Statement credit
It’s also possible to redeem your NBC points as a statement credit for any travel expenses you’ve charged to your credit card (redemption must be made within 60 days of the expense being charged to the credit card account).
Eligible purchases are:
- Flights
- Vacation packages
- Car rentals
- Hotel nights
- Cruises
- Condominium or cottage bookings for tourism purposes
- Airbnb
- Excursions
- Camping
- And more!
However, for this type of redemption, the rate is different (see table below).
You can also redeem your points for a product in the À La Carte Rewards catalogue.

10% discount on National Bank Open tickets
To see your favorite tennis players on the courts for less, simply use your National Bank World Elite Mastercard®!
At the very beginning of the ticket purchase process, click on Claim to get your 10% discount on National Bank Open tickets.

NBC Rewards Chart
You’ll see from this chart that the best use of NBC Rewards points is to book your trip with NBC’s À la carte Travel online travel agency: you get $100 for 10,000 points.
Rewards | Points for $100 |
Exchange with dedicated NBC À la carte Travel agency | 10,000 |
Flexible travel discount (from 55,000 points redeemed) |
11,000 |
Flexible travel discount | 12,000 |
Extras à la carte RRSP or TFSA contribution Repayment of all-in-one line of mortgage or mortgage loan |
12,000 |
Gift card | 12,000 – 13,500 |
Statement credit | 25,000 |
In addition, the A la carte Rewards store also allows you to redeem your points for merchandise and gift cards.
If you have a promotional code, you can use it at checkout.
National Bank World Elite Mastercard® - Perks
$150 travel credit per calendar year
Through NBC’s Smart Travelers program, National Bank World Elite Mastercard® cardholders have access to a total of $150 per calendar year on certain travel-related expenses:
- Airport parking
- Baggage fees
- Seat selection
- Access to airport lounges
- Flight upgrades
This is a great perk for those who use an airport parking lot (note that Park & Fly also works with this benefit) or who have to pay baggage or seat selection fees.
These credits are valid per calendar year. This means that if you sign up for the National Bank World Elite Mastercard® in 2024, you will benefit from these credits until December 31, 2024, and will receive them again on January 1, 2025.
However, if you don’t use your 2024 travel credits, they will be lost.

Unlimited access to the National Bank Lounge at Montreal-Trudeau
With the National Bank World Elite Mastercard®, you have unlimited free access to the National Bank Lounge at Montreal-Trudeau (YUL).
This benefit is valid for the main cardholder as well as an additional traveller. And up to two children.
Additional National Bank World Elite Mastercard credit cardholders are also eligible for unlimited access to the National Bank Lounge with an additional guest!

Access to DragonPass Lounges
The National Bank World Elite Mastercard® offers access to over 1,300 airport lounges worldwide in the DragonPass network.
For each visit, you will have to pay an entrance fee of 32 US$ per person.
Since 2023, World Elite cardholders can be reimbursed for these airport lounge visits. This is an eligible travel expense, up to a maximum of $150 per year.
National Bank World Elite Mastercard - Insurance
For most of the insurances included, the National Bank World Elite Mastercard® is one of the only credit cards in Canada to cover you even if you carry only part of the cost of the trip.
The following expenses will be reimbursed, provided that a portion (…) of the trip was charged to the account.
Banque Nationale du Canada
For travel insurance, only baggage insurance in case of delay and vehicle rental insurance requires that the entire cost was charged to the card.
Insurance | Coverage |
Out-of-province hospital insurance | up to $5,000,000 per person (see details on age and duration) |
Trip cancellation (before departure) |
up to $2,500 per insured person |
Trip interruption (after departure) |
up to $5,000 per insured person |
Flight delay (more than 4 hours) |
250 per day (maximum $500 per insured person) |
Baggage delay (more than 6 hours) |
up to $500 per person |
Lost or stolen baggage | up to $1,000 per person |
Car rental | Vehicle value up to $65,000 |
Against theft or breakage (180 days) |
up to $60,000 |
Mobile Device Insurance | up to $1,000 |
Triple extended warranty | up to 2 additional years |
Insurance booklet |
The National Bank World Elite Mastercard® offers a different kind of protection for emergency medical care when traveling on business:
- the person’s age
- the length of the trip
Age | Maximum trip duration |
54 years or less | 60 days |
55-64 years | 31 days |
65-74 years | 15 days |
75 years or older | no coverage |
Bottom Line
The National Bank World Elite Mastercard® is a credit card to have in your wallet year after year.
With this card, you’ll benefit from up to $150 in annual credit for some travel purchases and hold the Best Travel Credit Card and Best Credit Card for Insurance in 2023. And you’ll earn up to 5 points per dollar on purchases, including groceries!