Quels sont les frais annuels de la carte National Bank Platinum Mastercard?

La carte National Bank Platinum Mastercard comporte des frais annuels de 70 $.

La carte National Bank Platinum Mastercard en vaut-elle la peine?

Pour des dépenses typiques de 2 000 $ par mois, WalletReturn estime 167 $ en récompenses annuelles nettes après les frais annuels et 237 $ de valeur la première année, prime de bienvenue comprise. Votre résultat dépend de vos dépenses dans ses catégories bonifiées.

Combien de points ou de remise en argent la carte National Bank Platinum Mastercard rapporte-t-elle?

Jusqu’à 2 points points per $1 on eligible groceries and restaurants; 1.5 per $1 on gas, EV charging, recurring bills and À la carte Travel; 1 point per $1.50 elsewhere.

Les noms officiels des produits sont conservés. Les textes sans version française restent identifiés en anglais; les conditions de l’émetteur font foi.

National Bank Platinum Mastercard

Banque Nationale

À la carte Rewards

Accumulation des récompenses

groceries: 2 points / $1

Frais annuels: 70,00 $
Valeur de la prime la première année: 0 $
Récompenses annuelles nettes: 167,38 $
Valeur la première année: 237,38 $

Selon des dépenses typiques de 2 000 $ par mois, après les frais annuels. Voir le détail

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Dernière vérification : 10 octobre 2026. Confirmez les conditions actuelles auprès de l’émetteur.Source officielle de l’émetteur

Détails de la carte

Frais annuels

Carte principale : 70,00 $

Cartes supplémentaires : 35,00 $

Taux d’intérêt

Achats : À confirmer auprès de l’émetteur

Revenu annuel

Aucun minimum publié

Opérations en devises

Frais : À confirmer auprès de l’émetteur

Type de carte

Mastercard · Voyages

Récompenses

Programme : À la carte Rewards

Émetteur

Banque Nationale

Admissibilité pas entièrement vérifiée

L’approbation relève de l’émetteur.

Comment vous accumulez des récompenses

Up to 2 points per $1 on eligible groceries and restaurants
1.5 points per $1 on gas, EV charging, recurring bills and À la carte Travel
1 point per $1.50 elsewhere

Combien cette carte vaut-elle pour vous?

Selon des dépenses typiques de 2 000 $ par moisPoints National Bank À la carte évalués à 0,83 ¢ chacun

Valeur estimée la première année

237,38 $

net annual rewards + first-year fee rebate

Récompenses annuelles nettes: 167,38 $
Remboursement des frais la première année: 70,00 $

Détail des récompenses annuelles

Récompenses accumulées en un an	237,38 $
Frais annuels	− $70.00
Récompenses annuelles nettes	167,38 $

La répartition par catégorie n’est pas encore offerte pour cette carte.

Utiliser vos propres dépenses

Requiert vos données
Complete spending details. Complete spending details to calculate your rewards.

View illustrative rewards

Illustrative example — not your personalized estimate. Example: $2,000/month · $24,000/year · no bonus. Uniform full reward year; half of applicable categories is allocated to eligible scopes, split across sibling scopes; streaming $25, portal/digital/membership $0. These are scenario assumptions. No fee waiver is included. This example does not change your spending profile. Edit example allocations in the card's Rewards & conditions menu.

Example redemption method

ScheduleA agency travel CAD100 per10000points. Exclusively agency bookings through rewards.nbc.ca; separate postpurchase travel discounts use12000/11000points per100CAD and are excluded. Eligible actual booking required, phonebooking fees may apply.

Illustrative annual rewards: 223,00 $
Frais annuels habituels: 70,00 $
Illustrative net ongoing value: 153,00 $

Actual rewards depend on eligible purchases, caps and redemption rules. Interest is excluded. Personalize this calculation

Complete these assumptions to calculate your value:

Confirm whether your spending mix is typical throughout one complete rewards year.
Confirm whether this profile includes all purchases for this account, including additional cardholders.
Enter monthly grocery. This is part of your existing spending.
Enter monthly restaurants. This is part of your existing spending.
Enter monthly gas ev. This is part of your existing spending.
Enter monthly recurring. This is part of your existing spending.
Enter monthly portal travel. This is part of your existing spending.

Using typical spending

$2,000/month in Canadian-dollar card spending. Travel benefits assumed usable.

Edit spending

Calculation assumptions for this card

Annual estimate assumptions for National Bank Platinum Mastercard

Ongoing rewards use one complete reward/reset cycle with an even spending mix. Year 1, when available, uses the separate offer qualifications below; this does not estimate year-to-date or remaining allowance. Blank means unknown; enter 0 for none. Each amount is part of its parent spending.

Monthly limits reset separately in each calendar month or statement cycle, as specified in the earning rules. Unused allowances do not roll over. This estimate uses the same entered spending in each cycle.

Points redemption method

Les montants particuliers de cette carte sont explicitement fixés à 0 $; les dépenses de la catégorie continuent de suivre le taux de base examiné.

grocery · CAD/monthEligible Mastercard grocery5411 and restaurants5812/5813/5814; excludes grocery sold by pharmacy/retail/bigbox nonfood primary merchants. Gas/EV eligible service stations and qualifying big-box MCC; merchant-preauthorized recurring bills only; travel accelerator exclusively A la carte Travel agency. Exclude advances/transfers/cheques, interest, noninterest charges, fees, FXcharges,insurancepremiums, refunds, rewards credits. Statement-month totalgrosspurchase threshold includes all accountpurchase categories; steady estimate assumes no returns and complete purchase amounts. Points rounded on billing; model excludes statement rounding, promos,annualtravel reimbursements and insurance. Parent: $500/month; remaining: $500/month.restaurants · CAD/monthEligible Mastercard grocery5411 and restaurants5812/5813/5814; excludes grocery sold by pharmacy/retail/bigbox nonfood primary merchants. Gas/EV eligible service stations and qualifying big-box MCC; merchant-preauthorized recurring bills only; travel accelerator exclusively A la carte Travel agency. Exclude advances/transfers/cheques, interest, noninterest charges, fees, FXcharges,insurancepremiums, refunds, rewards credits. Statement-month totalgrosspurchase threshold includes all accountpurchase categories; steady estimate assumes no returns and complete purchase amounts. Points rounded on billing; model excludes statement rounding, promos,annualtravel reimbursements and insurance. Parent: $200/month; remaining: $200/month.gas ev · CAD/monthEligible Mastercard grocery5411 and restaurants5812/5813/5814; excludes grocery sold by pharmacy/retail/bigbox nonfood primary merchants. Gas/EV eligible service stations and qualifying big-box MCC; merchant-preauthorized recurring bills only; travel accelerator exclusively A la carte Travel agency. Exclude advances/transfers/cheques, interest, noninterest charges, fees, FXcharges,insurancepremiums, refunds, rewards credits. Statement-month totalgrosspurchase threshold includes all accountpurchase categories; steady estimate assumes no returns and complete purchase amounts. Points rounded on billing; model excludes statement rounding, promos,annualtravel reimbursements and insurance. Parent: $150/month; remaining: $150/month.recurring · CAD/monthEligible Mastercard grocery5411 and restaurants5812/5813/5814; excludes grocery sold by pharmacy/retail/bigbox nonfood primary merchants. Gas/EV eligible service stations and qualifying big-box MCC; merchant-preauthorized recurring bills only; travel accelerator exclusively A la carte Travel agency. Exclude advances/transfers/cheques, interest, noninterest charges, fees, FXcharges,insurancepremiums, refunds, rewards credits. Statement-month totalgrosspurchase threshold includes all accountpurchase categories; steady estimate assumes no returns and complete purchase amounts. Points rounded on billing; model excludes statement rounding, promos,annualtravel reimbursements and insurance. Parent: $200/month; remaining: $200/month.portal travel · CAD/monthEligible Mastercard grocery5411 and restaurants5812/5813/5814; excludes grocery sold by pharmacy/retail/bigbox nonfood primary merchants. Gas/EV eligible service stations and qualifying big-box MCC; merchant-preauthorized recurring bills only; travel accelerator exclusively A la carte Travel agency. Exclude advances/transfers/cheques, interest, noninterest charges, fees, FXcharges,insurancepremiums, refunds, rewards credits. Statement-month totalgrosspurchase threshold includes all accountpurchase categories; steady estimate assumes no returns and complete purchase amounts. Points rounded on billing; model excludes statement rounding, promos,annualtravel reimbursements and insurance. Parent: $100/month; remaining: $100/month.Je suppose une répartition uniforme des dépenses pendant tout le cycle de récompensesCe profil représente tous les achats de ce compte, y compris ceux des titulaires supplémentaires concernés

Monthly spending details

Review your monthly spending. Apply changes to update your profile across WalletReturn.

Taux d’accumulation, plafonds et options d’échange

Prime de bienvenue: 0,00 $
Récompenses annuelles nettes: 167,38 $
Valeur la première année: 237,38 $

Reviewed comparison example · typical Canadian spending · not your personalized estimate

Earning categories

Groceries and diningUp to $1,000 a month (all spending)2×points per $1
Gas & EV charging, recurring bills and travel booked through the rewards portal1.5×points per $1
Tout le reste1×point per $1.50

Earning rules and limits

No minimum annual income required, subject to credit approval.
Groceries and restaurants earn 2 points per $1 until total gross monthly account purchases reach $1,000, then 1.5 points per $1.

Redemption methods

A la carte Travel agency booking
1¢ per point
Fonctionnement
- Exclusively agency bookings through rewards.nbc.ca.
Issuer redemption terms

Rates checked 2026-10-10. Issuer rewards terms

Issuer category definitions, earning limits and restrictions apply.

Assurances et avantages

Soins médicaux en voyage: included
Annulation de voyage: not included
Interruption de voyage: not included
Retard de vol: not included
Bagages: not included
Location de voiture: not included
Accident de voyage: not included
Vol à l’hôtel ou au motel: not included
Appareils mobiles: included
Protection des achats: included
Garantie prolongée: included

4 assurances

AssuranceCoverage

Protection des achats60 000 $
Shared maximum $60,000 over account lifetime
180 days from purchase
Eligible personal items must meet the certificate card-payment requirements; reimbursement follows the covered purchase price or eligible portion. Excluded goods, other-insurance priority, claim documents and account-standing rules apply. Claim limits are not cash rewards.
Issuer terms (opens new tab)
Not counted in this estimate
Garantie prolongée60 000 $
Shared maximum $60,000 over account lifetime
Triples manufacturer warranty; up to 2 additional years
Eligible personal items must meet the certificate card-payment requirements; reimbursement follows the covered purchase price or eligible portion. Excluded goods, other-insurance priority, claim documents and account-standing rules apply. Claim limits are not cash rewards.
Issuer terms (opens new tab)
Not counted in this estimate
Assurance médicale d’urgence10 jours, jusqu’à 5 000 000 $
Up to $5,000,000 per person
Up to 10 days; younger than 76. No coverage if the entire trip exceeds 10 days
Primary cardholder and accompanying spouse/dependent children under the certificate. A spouse travelling alone must also be a cardholder. Provincial health-plan, pre-existing-condition, assistance and exclusion rules apply.
Issuer terms (opens new tab)
Not counted in this estimate
Travel insurance for eligible trips up to 10 days and mobile device insuranceInclus
Issuer terms (opens new tab)
Not counted in this estimate

Points forts et points faibles

Points forts

1.5 points per $1 on gas, EV charging, recurring bills and À la carte Travel
Les récompenses typiques couvrent les frais annuels de 70 $
Comprend l’assurance soins médicaux en voyage

Points faibles

Les catégories bonifiées ont des plafonds de dépenses

Sources et mentions légales

Points à considérer

Confirmez auprès de l’émetteur les frais, les restrictions d’accumulation, les conditions d’adhésion et les modalités actuelles avant de faire une demande.

Dernière vérification : 10 octobre 2026.

Ce qui n’est pas inclus

Les valeurs n’incluent pas les frais d’intérêt : elles supposent que vous payez votre solde en entier chaque mois. Les assurances et les avantages sans valeur fixe en dollars sont indiqués, mais pas comptés.

WalletReturn est un site de comparaison indépendant, pas l’émetteur de la carte. Les valeurs sont des estimations.

Divulgation publicitaire : WalletReturn peut toucher une commission lorsque vous faites une demande au moyen de certains liens. Cela ne change ni nos calculs ni l’ordre des cartes. Consultez notre méthodologie publiée et divulgation publicitaire.

Vérifiez les conditions actuelles du produit auprès de l’émetteur avant de faire une demande.

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