RewardsTravelMastercard

National Bank World Elite Mastercard

National Bank

Premium travel card with exclusive unlimited Montreal airport lounge access, $150 annual travel credit, and up to 5X points.

The National Bank World Elite Mastercard is a National Bank Mastercard card with a $150 annual fee. It earns 5 À la carte points per $1 on Eligible groceries and restaurants.

Last updated October 9, 2026Source: issuer page

Key facts

Annual fee: $150
Purchase interest rate: 20.99%
Cash advance rate: 22.99%
Earn rates: 5 À la carte points per $1 on Eligible groceries and restaurants (On first $2,500 gross monthly account purchases, then 2 pts/$1); 2 À la carte points per $1 on Gas, EV charging, recurring bills, À la carte Travel; 1 À la carte point per $1 on All other purchases
Welcome offer: None listed
Foreign transaction fee: 2.5%
Income requirement: $80,000 personal, or $150,000 household

How this score is calculated

Formula

Net annual value(50%)5.0
Welcome bonus(15%)0.0
Foreign transaction fee(10%)2.5
Insurance & perks(15%)3.8
Purchase interest rate(10%)3.0

What are the fees and rates?

Verified 2026-10-09

Annual Fee

$150

Purchase Interest Rate

20.99%

Cash advance: 22.99%

Minimum Income

$80,000 personal

or $150,000 household

Foreign Transaction Fee

2.5%

What rewards does this card earn?

The National Bank World Elite Mastercard earns 5 À la carte points per $1 on Eligible groceries and restaurants.

Eligible groceries and restaurants

On first $2,500 gross monthly account purchases, then 2 pts/$1

5 À la carte points per $1

Gas, EV charging, recurring bills, À la carte Travel

2 À la carte points per $1

All other purchases

1 À la carte point per $1

Pros

Exclusive unlimited Montreal airport lounge access
$150 annual travel expense credit
Up to 5 points/$1 on groceries and restaurants
Comprehensive insurance including mobile device
Award-winning travel card (Milesopedia 2024-2026)

Cons

$150 annual fee
Best value for Montreal-area travellers

What perks are included?

Free unlimited National Bank Lounge access at YUL Montreal (plus 1 guest)
$150 annual travel expense refund (parking, seat selection, bags, upgrades, lounges)
Comprehensive travel insurance up to 60 days
Mobile device insurance up to 2 years
Medical, general and legal travel assistance

What insurance is included?

Travel Emergency Medical – Up to 60 days

Trip Cancellation

Trip Interruption

Flight Delay & Baggage

Rental Car Insurance

Mobile Device Insurance – Up to 2 years coverage

Frequently asked questions

What is the annual fee on the National Bank World Elite Mastercard?

The National Bank World Elite Mastercard has a $150 annual fee.

What rewards does the National Bank World Elite Mastercard earn?

5 À la carte points per $1 on Eligible groceries and restaurants (On first $2,500 gross monthly account purchases, then 2 pts/$1); 2 À la carte points per $1 on Gas, EV charging, recurring bills, À la carte Travel; 1 À la carte point per $1 on All other purchases