Legal Notes MasterCard

® Registered trademark of Mastercard International Inc. Authorized user: National Bank of Canada.

TM Trademark of MasterCard International Inc. Authorized user: National Bank of Canada.

®1 Registered trademark of Valero Energy Inc.

®2 CAA, CAA logo, CAA Rewards and CAA Dollars trademarks owned by, and use is authorized by, the Canadian Automobile Association.

1 Subject to credit approval by National Bank.

2 Grace period: At least 21 days on purchases if you pay your full balance by the due date indicated on your monthly statement (no grace period applies to balance transfers and cash advances). Your minimum payment will correspond to 3% of your account balance plus any amount already due or $10, whichever amount is higher. If your account balance is lower than $10, you must pay the entire balance.  If you exceed your credit limit, the amount of the minimum payment will be the highest of the following amounts: (a) 3% of the account balance or (b) the amount of the overlimit.

Example of credit charges calculated over a period of 30 days

Annual interest rate Average balance
  $500 $3,000
22.99% $9.45 $56.69
19.99% $8.22 $49.29
14.5% $5.96 $35.75
8.9% $3.66 $21.95

*Variable interest rates in effect on July 1st 2017.

3 Subject to credit approval by National Bank. Each amount transferred must be at least $250.

This coverage applies to purchases and rentals made using the card, except (if applicable) out-of-province medical/hospital insurance for which it is not necessary to charge the travel arrangements to the card. Certain conditions and restrictions apply. For more information and for details of your insurance coverage, please consult the distribution guide and insurance certificate associated with your card.

4 Offer valid until August 15, 2017. Offer open to anyone who does not have a National Bank Mastercard credit card. To receive the points, cardholders must carry out a transaction using their World Elite Mastercard credit card within 60 days of the card issue date. This promotion may not be combined with any other National Bank offer.  A maximum of 25,000 points will be awarded to each World Elite Mastercard account during this promotion. The account must be in good standing when the points are awarded.

5 Certain conditions apply. Visit mastercard.ca for more information. Refer to the credit card terms and conditions.

6 Donations made annually by National Bank representing a percentage of sales charged to the card over a period of 12 months by all Allure card holders. The total amount donated by National Bank will not exceed $450,000 a year. To find out more about the calculation period and applicable conditions, visit yourallure.ca.

7 The discount applies when you purchase gift cards for Allure partners on yourallure.ca. It will be applied to the total gift card amount. Gift cards can be purchased in multiples of $25. No discounts will be granted in store upon presentation of an Allure card. Allure card partners are subject to change. Gap, Old Navy and Banana Republic gift cards can be used at any Gap, Old Navy or Banana Republic store in North America. Gap, Old Navy and Banana Republic gift cards can be redeemed for in-store merchandise only and cannot be replaced in the event of loss or theft. If you have any questions concerning Gap, Old Navy or Banana Republic gift cards, call (respectively) 1-800-GAP-STYLE, 1-800-OLD-NAVY or 1-888-BR-STYLE.

8 Please note that the combined total of the three cashbacks cannot exceed $250 per year.

9 All purchases charged to your Ultramar Mastercard are taken into account in determining your discount percentage, excluding purchases made at Ultramar service stations or Ultramar Home Heating.

10 The prime rate is the annual variable interest rate that the bank publishes from time to time which is used to determine the interest rate for on demand loans granted in Canadian dollars. To find out the prime rate, dial 1-888-622-2783 (toll-free) or visit nbc.ca.

11 The interest rate for the Syncro card consists of a variable prime rate set by National Bank plus a fixed adjustment rate of 4% for purchases and 8% for balance transfers and cash advances. Please note that the annual interest rate for the Syncro card cannot be less than 8.9% for purchases and 12.9% for balance transfers and cash advances.

12 The net purchase volume is the amount charged to the card minus returns or refunds. Annual fees, balance transfers and cash advances are not included in this calculation.

13 Subject to presenting the required supporting documents.

14 Rebate limits of $100 for airport parking, $50 for seat selection and $100 for airline baggage fees. (per year and per account).

15 National Bank Lounge is located near the Gate 53 and is available seven days a week. Normal business hours are from 5 am to 23 pm.

16 Certain restrictions apply. Please consult the terms and conditions applicable to your credit card.

17 User fees apply to balance transfers and cash advances.

18 Grace period: At least 21 days on purchases if you pay your full balance by the due date indicated on your monthly statement (no grace period applies to balance transfers and cash advances). Your minimum payment will correspond to 3% of your account balance plus any amount already due or $10, whichever amount is higher. If your account balance is lower than $10, you must pay the entire balance.  If you exceed your credit limit, the amount of the minimum payment will be the highest of the following amounts: (a) 3% of the account balance or (b) the amount of the overlimit.

19 Grace period: At least 21 days on purchases if you pay your full balance by the due date indicated on your monthly statement (no grace period applies to balance transfers and cash advances). Your minimum payment will correspond to 3% of your account balance plus any amount already due or $10, whichever amount is higher. If your account balance is lower than $10, you must pay the entire balance.  If you exceed your credit limit, the amount of the minimum payment will be the highest of the following amounts: (a) 3% of the account balance or (b) the amount of the overlimit.

21 Coverage is underwritten by American Bankers Life Assurance Company of Florida and American Bankers Insurance Company of Florida, under group insurance policies NBC0316 and NBCL0316. Details of the insurance coverage, including definitions, benefits, limitations, and exclusions, are set out in the insurance certificate sent with your card. Please read the insurance certificate, keep it in a safe place with your other important documents, and bring it with you when you travel.

22 You earn CAA Dollars equal to 1% of eligible purchases made using your CAA Rewards Mastercard credit card. At the end of each month, your CAA Club will receive information on the accumulated CAA Dollars from National Bank. Your CAA Club is responsible for the issuance, administration and redemption of CAA Dollars in accordance with the terms and conditions of the program. CAA Dollars are not earned on cash advances, balance transfers, cash-like transactions, Mastercard cheques, payments, credits, interest charges, foreign exchange fees, credit insurance premiums and other fees and charges. CAA Dollars are not earned on any purchases prohibited by the laws of Canada or any other country. You will qualify to earn CAA Dollars as soon as your card is activated and purchases are made, unless your account is not in good standing, your account has been suspended or terminated, or other qualifications for eligibility are not met.

23 All eligible purchases qualify for 1% cashback. Additional cashback of 0.5% is granted on the first $25,000 of eligible gas, grocery and online purchases charged annually to your credit card account. The additional cashback of 0.5% does not apply when the total of your annual eligible purchases exceeds $25,000. After that, the cashback equals 1% of eligible purchases, regardless of the type of purchase. For conditions and restrictions that apply to cashback rewards and a full list of codes associated with eligible merchants, refer to the Cardholder’s Guide.

24 You earn CAA Dollars equal to 1% of eligible purchases made using your CAA Rewards Mastercard credit card. At the end of each month, your CAA Club will receive information on the accumulated CAA Dollars from National Bank. Your CAA Club is responsible for the issuance, administration and redemption of CAA Dollars in accordance with the terms and conditions of the program (go to caaquebec.com to learn more about the terms and conditions of the program). CAA Dollars are not earned on cash advances, balance transfers, cash-like transactions, Mastercard cheques, payments, credits, interest charges, foreign exchange fees, credit insurance premiums and other fees and charges. CAA Dollars are not earned on any purchases prohibited by the laws of Canada or any other country. You will qualify to earn CAA Dollars as soon as your card is activated and purchases are made, unless your account is not in good standing, your account has been suspended or terminated, or other qualifications for eligibility are not met.

25 This offer applies to primary cardholders of National Bank CAA Rewards Mastercard credit card who are in good standing with respect to National Bank and CAA-Quebec. Primary cardholders may earn CAA Dollars equal to 1% of fuel purchases made by cardholders at participating Couche-Tard locations by using the National Bank CAA Rewards Mastercard credit card, in addition to the CAA Dollars normally earned under the National Bank CAA Rewards Mastercard Program, for a maximum of 2% of purchases in CAA Dollars. CAA-Quebec is responsible for the issuance, administration and redemption of CAA Dollars related to this offer and in accordance with the program’s terms and conditions. For more details, stop by any CAA-Quebec Travel Centre or call 1 800 686-9243.

26 This offer is subject to the CAA Rewards Mastercard Program terms and conditions and applies to primary cardholders of National Bank CAA Rewards Mastercard credit card who are in good standing with respect to National Bank and CAA Clubs. Primary cardholders may earn CAA Dollars equal to 1% of purchases made by cardholders at boutiques of participating CAA Clubs by using the National Bank CAA Rewards Mastercard credit card, in addition to the CAA Dollars normally earned under the National Bank CAA Rewards Mastercard Program, for a maximum of 2% of purchases in CAA Dollars. Travel and vacation purchases are not eligible for this offer. To view the list of participating clubs, visit nbc.ca/caa. National Bank reserves the right at its sole discretion to change or terminate this offer at any time without advance notice.

27 To receive the 25 CAA Dollars each year, you must charge at least $15,000 to your card during the year. The 25 CAA Dollars appear on your account statement on the account’s anniversary date, 12 months following the opening of the account, then each year afterwards. The accumulation of the amount charged to your account is calculated over a 12-month reference period, starting on the date when the account is open. After 12 months, on the account’s anniversary date, the calculation of the amount charged to your account begins again at zero. In order to receive the 25 CAA Dollars each year, your account must be in good standing and not suspended or terminated, and all other qualifications must be met.  

28 Certain conditions apply. Visit mastercard.ca for details.

31 À la carte Travel is managed by Transat Distribution Canada Inc., holder of permit No. 753141 in Quebec.

32 The bonus points are earned on the amount credited to the card only.

33 Only applicable with the À la carte Travel™ agency

34 The promotion runs from September 5, 2017 to May 31, 2018. To qualify, your account must be in good standing.  The promotion is not retroactive. Only flights and vacation packages booked through the À la carte Travel agency and charged to your National Bank World Elite card during the promotional period are eligible.  Transactions must have been sent by the merchant to Mastercard by May 31, 2018, at the latest. Points are calculated on the total amount of the purchase charged to the credit card. This promotion cannot be combined with any other National Bank offer, promotion or advantage. National Bank reserves the right to end this promotion at any time without notice.

35 No purchase necessary. Winner must correctly answer a mathematical skill-testing question. Open to Canadian residents who have reached the age of majority in their place of residence at the time they enter the contest and who are the main cardholder of the National Bank Edition or Allure Mastercard credit card with rewards plan; or the National Bank Escapade, Ovation Gold, Platinum, World or World Elite Mastercard credit card. This contest is also open to businesses with their head office in Canada and self-employed workers residing in Canada who have a National Bank Platinum Mastercard Business Card. Businesses must participate through an authorized signatory. The authorized signatory or self-employed worker must be a resident of Canada and have reached the age of majority when he enters the contest. The contest runs from September 5, 2017 to December 31, 2017. The draw for the prize will be held on January 17, 2018. The prize consists of one (1) million rewards points to be redeemed under the À la carte Rewards Plan. The points will be credited to the winner's À la carte rewards account. Contest rules are available at https://www.nbc.ca/en/personal/campaign/million-points-givaway-contest.html.