User fees for Interac® banking machine and point-of-sale network and the CIRRUS®4 banking machine network are also payable. No additional fees apply for use of THE EXCHANGE®3 banking machine network.
2
Certain browsers versions are required to access National Bank's Internet banking services. For information, go to nbc.ca/browsers.
®
Registered trademark of Interac Inc.
®1
NYCE is a registered trademark of NYCE Payments Network, LLC.
®2
Maestro is a registered trademark of MasterCard International Inc. Currency exchange charges apply. For complete details about transactions in foreign currencies, please refer to the Agreement Governing the Use of Automated Services and Electronic Banking Solutions, available in branches or at nbc.ca. Transactions in foreign currencies other than U.S. dollars will first be converted into U.S. dollars and then converted into Canadian dollars.
®3
Registered trademark of Fiserv Inc.
®4
Registered trademark of CIRRUS SYSTEMS Inc.
Contenu du sous-menu "STUDENT LINE OF CREDIT"
Student line of credit1
The National Bank Student Line of Credit is a convenient and flexible solution for:
Financing all your annual tuition and education-related expenses
Designed as a regular Chequing account: you can access your funds at any time via Client-Card purchases, Electronic Banking Solutions or cheques.
Main advantages :
Advantageous interest rate
Credit limit established according to your needs
No pay-back of principal or interest while you are a full-time student or resident
Option of deferring principal payments for up to 12 months after you complete your studies, within your credit limit. However, interest accrues during that period. Only interest and insurance premium payments (if applicable) must be made monthly
Your repayment period can be as long as 15 years after the end of your full-time studies.
Annual credit limit: You can review and increase your credit limit1 each year according to your needs and level of studies.
Field of study
Maximum limit authorized for the duration of your studies
Medicine
$200,000
If you dedice to pursue on to a fellowship, you could be eligible for an additional amount.
Dentistry
$200,000
Podiatry
$120,000
Veterinary medicine
$120,000
Optometry
$120,000
Pharmacy
$120,000
Chiropractic
$120,000
Transactional free services:
Client-Card purchases in Interac®, NYCE®1 and Maestro Networks®2
Cheques and preauthorized debits
Transactions at National Bank banking machines2 or branch counters: withdrawals, transfers, bill payments and withdrawals for bill payments
Online transactions3: transfers and bill payments
200 personalized cheques per year
Online or mailed account statement
For more information regarding the advantages and conditions of the National Bank's Student line of credit, please visit our advisors at the nearest nearest branch.
Subject to credit approval by National Bank of Canada. Certain conditions apply. A guarantor who meets the Bank's criteria may be required. The annual amount is based on your personal budgetary requirements. Gradual limit increases are possible.
2
User fees for the ABM network, Interac® outlets, and the CIRRUS®3 network are also payable. No additional fees apply for the use of THE EXCHANGE®4 banking machine network.
3
Certain browser versions are required to access National Bank's Internet banking services. For information, go to nbc.ca/browsers.
®
Registered trademark of Interac Inc.
®1
NYCE is a registered trademark of NYCE Payments Network, LLC.
®2
Maestro is a registered trademark of MasterCard International Inc. Currency exchange charges apply. For complete details about transactions in foreign currencies, please refer to the Agreement Governing the Use of Automated Services and Electronic Banking Solutions, available in branches or at bnc.ca. Transactions in foreign currencies other than U.S. dollars will first be converted into U.S. dollars and the converted into Canadian dollars.
®3
Registered trademark of CIRRUS SYSTEMS Inc.
®4
Registered trademark of Fiserv Inc.
Contenu du sous-menu "CREDIT CARD"
PLATINUM MasterCard®,1
A flexible, rewarding tool, your Platinum MasterCard lets you travel with complete freedom and peace of mind.
Regular rate2
19.5% / $125 per year No annual fee for the first 2 years3 !
Generous and flexible À la carte Rewards Plan geared to travellers
Each time you make a purchase with your Platinum MasterCard, you earn points that can be redeemed for great rewards! For each dollar spent, you earn 1.5 points.
Use your Platinum card for every day purchases
Earn 1.5 point for every dollar charged to your credit card
Redeem your points at the online Boutique and discover a variety of rewards including many available exclusively on the website!
How to earn points faster
Use your credit card to pay for your everyday expenses such as groceries, gas, bills, etc.
Ask for an additional card for your spouse or anyone else. Their purchases will be added to your balance thereby generating more points for you!
Out-of-Province-of-Residence Medical/Hospital Insurance
UP TO $5,000,000.
Maximum trip coverage period is calculated based on age.
Person aged
Maximum Trip Lenght
54 and under
60 days
55 to 64
31 days
65 to 74
15 days
If the trip exceeds the number of days allotted, it will not be covered by the Medical/Hospital Insurance. Coverage applies to main cardholder, their spouse and any dependent children.
Trip Interruption Insurance up to $5,000 per person
Flight Delay Insurance up to $500 per person for any flight delay of 4 hours or more
Baggage Insurance up to $1,000 per person in case of theft, break-in, loss or vandalism, and up to $500 per person should your checked baggage arrive more than 6 hours late
Vehicle rental insurance
Liability coverage in case of collision, theft or damage to a rented vehicle, charged to your Platinum MasterCard, for a rental period of 48 days or less
Coverage of up to $2,000 during the vehicle rental period against loss, theft or damage to your personal effects
Medical, general and legal assistance3
In case of a medical, administrative or legal problem, you can get help anywhere in the world, 24 hours a day, by calling a toll-free number
You will be referred to a lawyer in the event of an emergency, even if you are abroad
If necessary, bail and legal fees can be paid by means of a cash advance from your credit card
Assistance if your baggage is lost or stolen
Assistance replacing travel documents and tickets that are lost or stolen while you're away
Subject to credit approval by National Bank of Canada. Certain conditions apply.
2
Grace period: No interest will be charged on the purchases made during the month if the balance is paid in full within twenty-one (21) days of the date of the statement. This grace period does not apply to cash advances and balance transfers. Minimum payment: the minimum payment to be made to the Bank every period shall be equal to 3% of the unpaid balance indicated on the monthly statement or a minimum of $10, whichever amount is higher (or the new unpaid balance if it is lower than $10). Account statement: a statement of account is sent on a monthly basis.
Examples of interest charges for a 30-day period at the rate applicable on November 1st, 2011:
Average balance
Annual interest rate
$500
$3,000
19,5%
$8,01
$48,08
3
Two years after the card is issued, the annual fee in effect at that time will be billed automatically and will appear on the account statement.
4
Services offered and insured by CanAssurance, a subsidiary of Blue Cross.
®
MasterCard is a registered trademark of MasterCard International Inc. Authorized user: National Bank of Canada.
Do you need financial planning advice?
Here are three easy ways to contact a National Bank Financial Planner:
