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No Foreign Transaction Fee
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Access to VIP Lounges
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Visa Infinite Privilege Benefits
Your luxury experience starts with 80,000 Scene+ points
That’s up to $800 in value for your travels.
Rewards your way, with Scene+
- Earn 3X the Scene+ points for every $1 you spend on eligible travel purchases. Plus, earn an extra 3X the points on hotel bookings, car rentals, and things to do when you book through Scene+ Travel, Powered by Expedia.
- Earn 2X the Scene+ points for every $1 you spend on eligible dining and entertainment.
- Plus, earn 1X the Scene+ points for every $1 you spend on all other eligible purchases.
$250 annual travel credit
If you’re the primary cardholder, each year you’ll get a $250 statement credit on your first travel booking with Scene+ Travel, Powered by Expedia. This applies to flights, hotels, car rentals, and travel packages anywhere in the world.
Say goodbye to FX fees
Say goodbye to foreign transaction fees with the Scotiabank Passport® Visa Infinite Privilege* Card. Whether you’re shopping online or abroad, you’ll never pay a foreign transaction fee on foreign currency purchases.
Enjoy 10 complimentary airport lounge visits per year
With the Visa Airport Companion Program, you and each of your additional cardholders get access to over 1,200 airport lounges worldwide. This includes 10 free lounge visits per year. Plus, you get exclusive airport dining and retail offers.
Exclusive airport perks
Save time and money with priority security and taxi lanes, discounted valet parking, and dedicated parking.
Upgrade your next getaway at Relais & Châteaux properties
As a Scotiabank Passport® Visa Infinite Privilege* cardholder, you’re eligible for premium benefits at over 200 Relais & Châteaux properties around the world.
Explore the Visa Infinite Luxury Hotel Collection
Enjoy 7 special benefits at over 900 hotels and an 8th exciting benefit at over 200 participating hotels, hand-selected for Scotiabank Passport® Visa Infinite Privilege* cardholders.
Feel at home, anywhere you go
Get exclusive benefits at over 60 Sandman, Sandman Signature, and Sutton Place Hotels across Canada with Visa RSVP Rewards.
Become an Avis®* President’s Club member
Spend less time in line and more time on the road with a complimentary yearly Avis President’s Club membership. This includes two car-class upgrades and the option to skip the line and go straight to your car at most Avis®* locations.
Comprehensive Travel Insurance coverage
- Travel Emergency Medical Insurance
- Trip Cancellation and Trip Interruption Insurance
- Flight delay insurance
- Lost Baggage and Delayed Baggage Insurance
- Rental Car Collision Loss/Damage Insurance
- Hotel Burglary Insurance
- Common Carrier Travel Accident Insurance
- Mobile Device Insurance
- Purchase Security Extended Warranty Protection
*Conditions apply. Rates, fees and other information are effective as of January 3, 2025. Subject to change.
- Primary card $599
- Additional card $199
- Individual $150,000
- Household $200,000
- 0.00 %
- Purchase Rates 20.99 %
- Cash Advance Rates 22.99 %
- Balance Transfer Rates 22.99 %
- Travel3Scene+ Points
- Dining and Food delivery2Scene+ Points
- Entertainment2Scene+ Points
- Year 1 $1,144
- Year 2+ $344
- No conversion fees
- Scene+
Advantages
- Annual Credit
- VIP Lounges
- Concierge
- Wifi
- Travel credit
Travel Insurance
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Earn Asia Miles on your purchases
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Accepted at Costco
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10% discount on Cathay Pacific flights
Welcome Offer
- Earn up to 27,000 Asia Miles and 10% discount on flights
Features of the Cathay World Elite® Mastercard® – powered by Neo:
- 2 Asia Miles for every $1 spent on purchases made in foreign currencies
- 2 Asia Miles for every $1 spent on Cathay Pacific flights
- 5 Asia Miles for every $1 spent at thousands of Neo partners nationwide
- 1 Asia Miles for every $1 spent on purchases in Canada
- Get exclusive member benefits: priority online check-in, extra baggage allowance and redeemable access to Cathay Pacific’s business class lounge.
- Travel with peace of mind thanks to insurance covering emergencies, cancellations, lost luggage and much more.
- Access to over 1,300 airport lounges worldwide
- Book professional, punctual airport transportation with Mastercard’s airport transfer option
- Bypass security lines with Mastercard’s Fast Track airport security service
- Primary card $180
- Additional card
- Individual $80,000
- Household $150,000
- 2.5 %
- Purchase Rates 19.99 %
- Cash Advance Rates 22.99 %
- Balance Transfer Rates 22.99 %
- All Spending1miles
- Groceries1miles
- Gas1miles
- Year 1 $630
- Year 2+ $180
- Asia Miles
Advantages
- Annual Credit
- VIP Lounges
- Concierge
- Wifi
- Travel credit
Travel Insurance
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Transfer your points to airline partners
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Premium Insurance
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Visa Infinite Benefits
Earn up to 55,000 Avion points**(a value of up to $1,100†) – Enough to fly to any destination in North America or the Caribbean†
- Get 35,000 Welcome Points on approval and 20,000 bonus points when you spend $5,000 in your first 6 months*. Apply by June 11, 2025.
- Earn 1 Avion point for every dollar you spend* and an extra 25% on eligible travel purchases.
- Avioners can book flights with points on any airline, on any flight, at any time, early or last minute, with no blackout periods or restrictions.
- Avioners earn points that never expire so your points will be waiting for your next adventure.
- Redeem your points for travel and more. Use points for anything from paying bills and paying your card balance to redeeming for Gift Cards and Merchandise at top brands like Apple. The Avion Rewards program gives you the freedom of choice to use your points your way, and helps you make the most as an Avioner.
- Eligible Avion rewards members can also convert points to other loyalty programs including WestJet dollars, British Airways Avios points and Hudson’s Bay Rewards points.
- Link your RBC card with a Petro-Points membership to instantly save 3¢ per litre on fuel at Petro-Canada stations and earn 20% more Petro-Points and 20% more Avion points
- Link your RBC card with a Rexall Be Well account and get 50 Be Well points for every $1 spent on eligible products at Rexall. Redeem Be Well points faster for savings in store on eligible purchases where 25,000 Be Well points = $10
- Get access to RBC offers which provides access to earn points faster at specified brands
- Avioners no longer need 14-days to book travel using the RBC grid
- Extensive insurance including: mobile device insurance, travel insurance (trip cancellation, interruption and emergency medical) and other eligible purchases to protect you and your family
- Avioners get access to luxury Visa Infinite benefits including first in line for exclusive events, and hotel and dining benefits.
Get $0 delivery fees for 12 months from DoorDash – Add your eligible RBC credit card to your DoorDash account to:
- Get a 12-month complimentary DashPass subscription± – a value of almost $120
- Enjoy unlimited deliveries with $0 delivery fees on orders of $15 or more when you pay with your eligible RBC credit card
Refer to RBC page for up to date offer terms and conditions
** This offer only applies to new applications for an RBC Avion Visa Infinite or RBC Avion Visa Platinum credit card (each, an “Eligible Credit Card”) approved by Royal Bank of Canada, subject to the conditions below. Additional cardholders(s) (co-applicant and authorized user(s)) on the Eligible Credit Card account, as well as existing cardholders on any RBC Royal Bank personal credit card transferring to an Eligible Credit Card account, are not eligible for this offer.
35,000 welcome Avion points (“Welcome Points”) will appear on your monthly credit card statement within sixty (60) days after your application has been approved, provided that your Eligible Credit Card account remains open and in good standing at the time the Welcome points are credited to your account, “good standing” meaning that your Credit Card Account must not be past due for more than two (2) consecutive credit card account statement periods, closed, charged off or in credit revoked status.
You will receive 20,000 bonus Avion points (“Bonus Points”) if a total of $5,000 or more (“Qualifying Transaction Amount”) in qualifying net purchases and/or pre-authorized bill payment transactions (“Qualifying Transactions”) are posted to your Eligible Credit Card account within the first six (6) months from your Eligible Credit Card account opening date (“Period”). The Bonus Points will appear on your monthly credit card statement within sixty days (60) after you reach $5,000 in Qualifying Transactions, provided your Credit Card Account remains open and in good standing at the time the Bonus Points are credited to your account.
†Air Travel Reward redemptions from the Air Travel Redemption Schedule start at 55,000 Avion points for a round trip flight from eastern Canada or the United States to Mexico, Hawaii or Alaska; or from western Canada or the United States to Bermuda, Central America or the Caribbean, with a maximum ticket price of $1,100. All applicable taxes, service fees and surcharges are the responsibility of the traveller. For more details, including information on redeeming for first class and business class seats, visit: www.avionrewards.com/travel/index.html. For general redemption terms, conditions and restrictions that apply to the Avion Rewards program, please visit: www.avionrewards.com or call 1-800 ROYAL 1-2 (1-800-769-2512).
- Primary card $120
- Additional card $50
- Individual $60,000
- Household $100,000
- 2.5 %
- Purchase Rates 20.99 %
-
Cash Advance Rates
22.99 %
21.99 % (QC)
- Balance Transfer Rates 22.99 %
- Travel1.25Points
- All Spending1Point
- Groceries1Point
- Year 1 $1,151
- Year 2+ $271
- Asia MilesBritish Airways Executive ClubRBC Avion Rewards - PremiumRBC Avion Rewards - EliteWestJet Rewards
Advantages
- Annual Credit
- VIP Lounges
- Concierge
- Wifi
- Travel credit
Travel Insurance
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2X points on all purchases
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Premium Insurance
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Visa Infinite Benefits
Earn up to $1,250 in value†, including up to 135,000 TD Rewards Points and no Annual Fee for the first year†. Conditions apply. Offer effective as of April 30, 2025.
- Earn a welcome Bonus of 20,000 TD Rewards Points when you make your first Purchase with your Card†.
- Earn 115,000 TD Rewards points when you spend $5,000 within 180 days of Account opening†.
- Earn a Birthday Bonus of 10% of the TD Rewards Points you have earned over the past year, up to a maximum of 10,000 TD Rewards points†.
- Get an annual TD Travel Credit† of $100 when you book at Expedia® For TD.
- Get an Annual Fee Rebate for the first year†.
- Enjoy your time at the airport with global airport lounge access and 4 complimentary lounge visits with Visa Airport Companion Program (a value of up to $277)†.
To receive the first-year annual fee rebate for the Primary Cardholder, you must activate your Card and make your first Purchase on the Account within the first 3 months after Account opening. To receive the Additional Cardholder(s) first-year annual fee rebate, you must add your Additional Cardholder(s) while the offer is in effect.
Starbucks Bonus Offer for New Linked Members†: Link your TD First Class Travel Visa Infinite to earn 600 Starbucks Stars and redeem them for free Starbucks treats. Limited time only. Conditions and restrictions apply.
Earn TD Reward Points on all the things you normally do, whether you use your Card for groceries, dining, paying bills streaming services or booking travel. The rewards will add up quickly so you can enhance your everyday experiences and enjoy a wide variety of rewards.
- Earn 8 TD Rewards Points† for every $1 you spend when you book travel through Expedia® For TD†
- Earn 6 TD Rewards Points for every $1 you spend on Groceries, Dining, and Public Transit†
- Earn 4 TD Rewards Points for every $1 you spend on Recurring Bill Payments and Streaming, Digital Gaming & Media†
- Earn 2 TD Rewards Points for every $1 you spend on other Purchases made using your Card† plus earn an annual Birthday Bonus† of up to 10,000 TD Rewards Points
Your Card also allows you to enjoy:
- An extensive suite of travel insurance coverages which helps you travel prepared
- No travel blackouts†, no seat restrictions† and no expiry† for your TD Rewards Points as long as your account is open and in good standing.
Redeem your TD Rewards Points towards making purchases at Amazon.ca with Amazon Shop with Points. Conditions apply. See more details.
Legal†Terms and conditions apply.
- Primary card $139
- Additional card $50
- Individual $60,000
- Household $100,000
- 2.5 %
- Purchase Rates 21.99 %
-
Cash Advance Rates
22.99 %
21.99 % (QC)
-
Balance Transfer Rates
22.99 %21.99 % (QC)
- Groceries6TD Rewards Points
- Dining and Food delivery6TD Rewards Points
- Local Transport6TD Rewards Points
- Year 1 $1,324
- Year 2+ $371
- Grocery stores
- TD Rewards
Advantages
- Annual Credit
- VIP Lounges
- Concierge
- Wifi
- Travel credit
Travel Insurance
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Up to 5 points per dollar at grocery stores and restaurants
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Up To $150 Annual Credit
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Premium insurance
By clicking on the Apply Now, you will be redirected directly to the National Bank credit card application form. Make sure you have the following information on hand: contact details, employment status, income and valid ID.
- Earn up to 5 points per dollar spent on eligible grocery and restaurant purchases.*
- Earn 2 points per dollar spent on eligible gas and electric recharging expenses, recurring bills and purchases made À la carteTM travel purchases.*
- Earn 1 point per dollar spent on other purchases.
- Up to a $150 refund per year on travel expenses, including seat selection, airport parking, baggage fees, access to airport lounges worldwide, and ticket upgrades.
- Your credit card gives you access to a multitude of rewards. Our clients can choose from several options to treat themselves with the points they’ve accumulated:
- Get your hands on new electronics, kitchen accessories, gift cards and more
- Use your points to make a payment on your credit card
- Contribute to your RRSP and TFSA
- Make a donation to a participating charity
- Plan your next vacation
- And more!
- Enjoy unlimited free access for you and a guest at lounge from the National Bank at Montreal-Trudeau airport, including drinks, snacks, Wi-Fi, and much more*.
- Enjoy up to 60 days of coverage with our travel, trip cancellation/interruption, baggage loss and car rental insurance.
- Out-of-province hospital medical insurance, departure flight delay insurance, baggage insurance in case of delay, baggage insurance in case of theft or loss, vehicle rental insurance.
*Grocery and restaurant: Points earned on grocery and restaurant purchases depend on the total gross monthly amount charged to the credit card account, regardless of category. Earn 5 points per dollar spent on eligible grocery and restaurant purchases. Earn 5 points per dollar on the first $2,500 in gross monthly purchases charged to the account. Beyond that amount, eligible grocery and restaurant expenses earn 2 points per dollar spent. The total gross monthly amount is calculated based on your monthly billing period. Grocery purchases include any purchase made at a store that primarily sells food, i.e., grocery store, delicatessen, supermarket, greengrocer or specialty food store. Subscriptions to ready-to-cook services and meal delivery services are eligible. Excluded from this definition are retail stores and big-box stores whose main activity is the sale of non-food products. Some merchants may sell the same or similar products or services as eligible merchants, or are separate merchants located on the same premises as eligible merchants, but are classified by Mastercard in different categories. Purchases made at other merchants only qualify for basic rewards points. An in-restaurant purchase refers to a purchase made in a restaurant, including fast-food restaurants, bars, discotheques, nightclubs and taverns.
Gas and Electric Vehicle Charging: To earn 2 points per dollar in purchases, you will need to purchase gas or an electrical vehicle charge from a service station or from certain big-box stores. Some merchants may sell the same or similar products or services as eligible merchants, or are separate merchants located on the same premises as eligible merchants, but are classified by Mastercard in different categories. Purchases made at other merchants are eligible for basic rewards points only.
Recurring bill: Recurring bill payments are defined as payments made monthly or regularly that are automatically deducted by the merchant from your National Bank World Elite Mastercard. Not all merchants offer recurring bill payments, and not all recurring payments are considered recurring bill payments. As a result, some payments may not qualify for Accelerated Rewards points.
À la Carte Travel: To earn 2 points per dollar in purchases, you must make your eligible purchases via the À la carte TravelTM Agency section of our À la carte RewardsTM site.
Other purchases: For example, if you spend $400 monthly on groceries, $200 on gas, $100 on recurring bills and $150 on other purchases, the $850 you spend will generate 2,750 points, broken down as follows: 2,000 points on groceries (since the total gross monthly amount is $850, or less than $2,500), 400 points on gas, 200 points on recurring bills and 150 points on other purchases.
Reimbursement of travel expenses
Clients must submit required documents within the given deadline. Certain conditions may apply. Only the primary cardholder (“Cardholder”) of National Bank World Elite Mastercard whose account is in good standing can request a refund of travel expenses.
Account in good standing” means a credit card account that does not contravene the Credit Card Agreement in any way and on which no restrictions apply.
For example, the annual fees related to the credit card must have been paid in full. The maximum reimbursement of $150 can be claimed from January 1 to December 31 of each year.
Eligible expenses include:
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-
- airport parking
- baggage fees
- seat selection fees
- access to airport lounges worldwide
- airline ticket upgrades
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The claim must be submitted within 60 days of the purchase date and accompanied by proof of purchase. Travel expenses must be charged to the National Bank World Elite Mastercard credit card account. The maximum reimbursement amount is $150 per account. The refund will be issued within 7 business days following the request approval date and after receiving all required information.
National Bank reserves the right to request additional supporting documents for validation purposes (e.g. invoices). You must keep all receipts and supporting documents for a period of 12 months from the date of your claim. An amount not claimed in a year cannot be carried over to the following year. You can apply online at rewards.nbc.ca or by calling 1-800-341-8083 (toll-free) and an agent will assist you with your travel claim.
Credit terms
Grace period: No interest will be charged on purchases made during the month, provided the client pays the balance in full within twenty-one (21) days of the statement date. This grace period does not apply to cash advances or balance transfers.
Minimum payment: If your account balance is lower than $10, you must pay the entire balance.
If you reside in the province of Quebec, your minimum payment is the greater of 5% of your account balance, plus any overdue amounts, or $10.
If you live outside Quebec, your minimum payment is 2.5% of your credit card balance, plus any past-due amount or $10, whichever is greater.
Statement of account: a statement of account is sent monthly.
Example of credit charges over a 30-day period
| Annual interest rate | Average balance | |
| $500 | $3,000 | |
| 22.49% (regular card) | $9.24 | $55.45 |
| 20.99% (regular card) | $8.63 | $51.76 |
| 12.95% (Syncro card) | $5.32 | $31.93 |
| 8.95% (Syncro card) | $3.68 | $22.07 |
*Variable interest rate in effect on September 1, 2021.
Balance transfer and cash advance are subject to credit approval by National Bank. Each amount transferred cannot be less than $250.
- Primary card $150
- Additional card $50
- Individual $80,000
- Household $150,000
- 2.5 %
- Purchase Rates 20.99 %
- Cash Advance Rates 22.49 %
- Balance Transfer Rates 22.49 %
- Groceries5Points
- Dining and Food delivery5Points
- Gas2Points
- Year 1 $923
- Year 2+ $923
- Grocery stores
- NBC Rewards
Advantages
- Annual Credit
- VIP Lounges
- Concierge
- Wifi
- Travel credit