National Bank World Elite Mastercard
Category cardWhat the roles mean
- Groceries and restaurants: 5 points per $1 ($5 per $100 in travel) on up to $2,500 a month
No welcome bonus.
Checked on National Bank's own page October 21, 2026. See National Bank's page
What it earns in a year
89,400 points a year
Worth about $592 after the $150 fee at the simplest redemption, up to $744 at the best.
Based on $30,000 a year of spending ($9,600 groceries, $3,000 gas, $3,000 dining…). Welcome offer not included.
Try it with your own spending →
- Groceries (First $1,250 a month, then 2× points): 5× points.
- Dining & restaurants (First $1,250 a month, then 2× points): 5× points.
- Gas / EV: 2× points.
- Bills & subscriptions: 2× points.
- Travel: 2× points.
- Everything else: 1× points.
Highlighted = use this card here.
Using your points
On the spending above, 89,400 points a year: worth $742 the easy way, $894 the best way.
- Easy way (0.83¢): Gift cards, or more than 55,000 points in one go
- Best way (1¢): À la carte Travel: 10,000 points = $100
How to apply for the National Bank World Elite Mastercard
Check first
- $400,000 in investable assets can stand in for the income minimum
- Existing NBC clients: $25,000 a year charged to the card can also stand in for income
- Check you qualify Income: $80,000 personal or $150,000 household. You need to live in Canada and be the age of majority in your province.
- Have this ready Your address and how long you've lived there, your employer and yearly income, and your monthly rent or mortgage. Your SIN is optional for a credit card; you can leave it blank.
- Expect a credit check Applying adds a hard inquiry to your credit report, which lowers your score a little for a few months. Space applications about 90 days apart.
- Apply on National Bank's own site Apply online from the bank's product page. This isn't an affiliate link: we earn nothing if you apply.Apply on National Bank's site →
How to use it
- Groceries and restaurants: 5 points per $1 on the first $2,500 a month combined, then 2
- Gas, EV charging, recurring bills: 2 points per $1
- Everything else: use another card. This one pays 1 point per $1
- Travel extras: charge seat selection, bag fees, airport parking here; $150 a year comes back. Use it by December 31, it doesn't carry over
- Redeem: on travel through À la carte Travel or as a travel credit (100 points = $1). Other options pay less
- Example: $800/month groceries + $250 dining + $250 gas + $300 bills = 76,200 points = $762 a year in travel. The $150 travel credit covers the fee if you use it
Key facts
- Annual fee
- $150
- Purchase interest
- 20.99%
- Foreign currency fee
- 2.5%
- Min. personal income
- $80,000
- Min. household income
- $150,000
- Rewards
- National Bank À la carteSee every National Bank À la carte card
Annual fee waiver
- Ongoing: $0 for eligible National Bank Wealth Management clients, healthcare professionals, and Privilege or Private Banking 1859 offers
- The catch: you need one of those relationships; there is no balance-based waiver
- In practice: the $150 travel credit offsets the fee if you pay for seats, bags or parking
From nbc.ca World Elite page, checked October 17, 2026. Not an affiliate link.
More National Bank cards
Rogers Red World Elite
- This card: groceries, dining & restaurants
- Rogers Red World Elite: gas / ev, bills & subscriptions, travel, transit, drugstore / pharmacy, entertainment, everything else
- Together: $721 a year after both fees, vs $592 with this card alone
- With this card's $150 fee rebated (see Fee waiver): $871 a year
- Rogers pays 2% with an active Rogers, Fido or Shaw service, 1.5% without
If your stores take Amex: Scotiabank Gold Amex for groceries, gas / ev, dining & restaurants, transit, drugstore / pharmacy, entertainment, everything else makes it $778 a year. Costco and Loblaw-banner grocers don't take Amex.
Computed on our standard household ($30,000 a year): each kind of spending goes to whichever card pays more, both fees taken off. Partners are everyday, category and churning cards on Visa or Mastercard. Points at their simplest redemption. Welcome offers not included.
Pros
- 5 points per $1 on groceries and restaurants, up to $2,500 a month
- 2 points per $1 on gas, EV charging and recurring bills
- $150 travel credit every calendar year
- Unlimited National Bank Lounge visits at Montréal-Trudeau, with 1 guest and 2 children
- Travel medical $5 million for 60 days (age 54 or under)
- $1,000 phone insurance, 180-day purchase cover, triple warranty
- No over-limit fee
Cons
- No welcome offer right now (the last one ended June 29, 2026)
- $150 a year (see fee waiver)
- Points are worth less outside travel (gift cards under 0.8¢ a point)
- Income: $80,000 personal or $150,000 household
- 2.5% on foreign-currency purchases
- Future welcome offers exclude anyone who held a National Bank Mastercard in the past 24 months
Insurance included
- Travel medical: $5 million, 60 days (54 or under), 31 days (55–64), 15 days (65–75)
- Trip cancellation: $2,500 per person
- Trip interruption: $5,000 per person
- Flight delay: $500 per person, after 4 hours
- Delayed bags: $500 per person, after 6 hours
- Lost or stolen bags: $1,000 per person
- Rental car damage: up to 48 days
- Phone: $1,000 for loss, theft or damage, up to 2 years after purchase
- Purchases: 180 days of theft/damage cover, warranty tripled (up to 2 extra years)
Maximums as National Bank lists them. Conditions apply; the insurance certificate decides claims.
Perks
- $150 travel credit: seats, bags, parking, upgrades, lounge access; resets January 1
- National Bank Lounge (Montréal-Trudeau): unlimited; moving to a temporary space from October 5, 2026
- Mastercard Travel Pass: access to 1,300+ airport lounges (we could not confirm any free visits; expect to pay per visit)
- Points to RRSP or TFSA: at the same $1 per 100 points
Other cards for groceries
Back a year on $9,600 of groceries, caps included. Points at best-case value. Before annual fees.
| Card | Earns on groceries | Back a year | Annual fee | Terms checked |
|---|---|---|---|---|
| Amex Cobalt | 5× points≈ 10.0% in value | $960 | $192 | October 21, 2026 |
| Scotiabank Gold Amex | 6× points | $576 | $120 | November 2, 2026 |
| Neo World Elite Mastercard | 5% back | $480 | $149 | October 21, 2026 |
| National Bank World Elite Mastercard | 5× points | $480 | $150 | October 21, 2026 |
| Desjardins Cash Back World Elite Mastercard | 4% back | $384 | $100 | October 23, 2026 |
| SimplyCash Preferred | 4% back | $384 | $120 | October 21, 2026 |
Other cards for dining & restaurants
Back a year on $3,000 of dining & restaurants, caps included. Points at best-case value. Before annual fees.
| Card | Earns on dining & restaurants | Back a year | Annual fee | Terms checked |
|---|---|---|---|---|
| Amex Cobalt | 5× points≈ 10.0% in value | $300 | $192 | October 21, 2026 |
| Scotiabank Gold Amex | 5× points | $150 | $120 | November 2, 2026 |
| National Bank World Elite Mastercard | 5× points | $150 | $150 | October 21, 2026 |
| Simplii Cash Back Visa | 4% back | $120 | $0 | October 21, 2026 |
| RBC British Airways Visa Infinite | 2× points≈ 4.0% in value | $120 | $165 | October 23, 2026 |
| Desjardins Odyssey Visa Infinite Privilege | 4% back | $120 | $395 | October 21, 2026 |
How the offer has changed
One row per check of National Bank's page, newest first. Old rows are never edited.
| Checked | Welcome offer | Fee, year one | Ends |
|---|---|---|---|
| October 21, 2026 | None: the page still says "Promotion ended"Unchanged | $150, not waived ($50 additional card) | none stated |
| October 17, 2026 | None: the page says "Promotion ended" (the last offer ran February 3, 2026 → June 29, 2026)The up-to-35,000-pt offer seen June 15, 2026 has ended. Montréal-Trudeau lounge relocation date now Oct 5, 2026 | $150, not waived ($50 additional card) | none stated |
General information, not financial advice. Offers change; confirm on National Bank's page before you apply.