National Bank World Elite Mastercard
MASTERCARDEveryday rewards
National Bank World Elite Mastercard
7.9Canada Cards ScoreVery goodWelcome bonus
35,000 pts
Get up to $1,052 in benefits and rewards for the first year
Why get this card
- ✓Earn 5x on groceries and restaurants
- ✓8 insurance coverages
Pros
- +Strong 5x earn on groceries and restaurants
- +8 insurance coverages
Cons
- -Steep $150 annual fee
- -High 22.49% purchase interest rate
- -Needs $80,000 minimum income
Earn rates
- Groceries and restaurants5x
5 points per dollar on the first $2,500 in monthly purchases, then 2 points per dollar
- Gas and EV charging2x
- Recurring bills2x
- A la carte travel2x
- All other purchases1x
Welcome offer
Get up to $1,052 in benefits and rewards for the first year
- Bonus points
- 35,000
- Minimum spend
- $5,000
- Spend window
- 90 days
- Offer ends
- 2026-06-29
Up to 35,000 points across multiple qualifying activities; includes spending $5,000 in net purchases in the first 3 months. Offer runs February 3 to June 29, 2026.
Fees
- Annual fee
- $150
- Additional card
- —
- Foreign transaction fee
- —
Additional card fee rendered as template placeholder on the live page; not confirmed.
Interest rates
- Purchase APR
- 22.49%
- Cash advance APR
- 22.49%
- Balance transfer APR
- 22.49%
- Grace period
- —
- Rate effective date
- 2021-09-01
Benefits & insurance
- Lounge access
- National Bank Lounge (Montreal-Trudeau Airport)
- Insurance coverages
- 8
- Out-of-province hospital and medical insurance
- Flight cancellation/trip interruption
- Delayed flight and stolen luggage insurance
- Vehicle rental collision/theft/damage protection
- Purchase protection (180 days)
- Extended warranty (up to 2 additional years)
- Mobile device insurance (up to $1,000)
- Medical, legal and general assistance
Redemption & eligibility
- Reward currency
- National Bank Rewards points
- Redemption options
- Travel, Gift cards, Merchandise, Statement credits
- Transfer partners
- —
- Min. personal income
- $80,000
- Min. household income
- $150,000
$80,000 personal income or $150,000 household income.
How we scored it
7.9Very good- Everyday earn rateWeight 30
5x on Groceries and restaurants
- Welcome valueWeight 25
No current welcome offer
- Annual-fee valueWeight 20
$150 annual fee
- Benefits depthWeight 15
8 insurance coverages
- Interest costWeight 10
22.49% purchase APR
Our editorial rating, computed only from sourced figures. See the full methodology.
Compare with similar cards
Learn before you apply
Frequently asked
- Is the National Bank World Elite Mastercard worth it?
- It carries a $150 annual fee. Earn 5x on groceries and restaurants. Compare it against similar cards below before deciding.
- What is the annual fee and interest rate on the National Bank World Elite Mastercard?
- The annual fee is $150. The purchase interest rate is 22.49% and the cash advance rate is 22.49%. These are sourced from National Bank's official page.
- What rewards does the National Bank World Elite Mastercard earn?
- It earns up to 5x on groceries and restaurants, in National Bank Rewards points. See the full earn-rate breakdown above.
- What income do I need for the National Bank World Elite Mastercard?
- National Bank lists a minimum personal income of $80,000 or household income of $150,000.
Official sources
Every figure on this page comes from National Bank's own pages. Last checked 2026-06-17.
Cited, never sponsored
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