National Bank World Elite Mastercard
MASTERCARDEveryday rewards
National Bank World Elite Mastercard
6.1Canada Cards ScoreGoodWelcome 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.
Is this a record high? See the bonus history →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
6.1Good- 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.
- When does the National Bank World Elite Mastercard welcome offer expire?
- The current welcome offer expires 2026-06-29. Check the issuer's page to confirm it is still available before applying.
More ways to compare
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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