2024.11.12 更新了开户奖励
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目标
获得加拿大国民银行的顶级储蓄账户以及顶级信用卡, 并且费用永久减免.
申请顶级信用卡, NBC WEMC
卡片介绍以及申请链接可以看这里: https://tripwinego.com/cn/national-bank-world-elite-mastercard/
目前已知的貌似只有ratesdotca有50块钱返利, 可以等史高的时候再申请.
成功获批这张信用卡是通关国民银行唯一难点.
我是先办的储蓄账户用了半年才申请的, 注意年费减免条款里面说了必须先开储蓄账户再申请信用卡才可以! 先开储蓄账户, 申请WEMC信用卡, 信用卡激活了以后可以约Video专业认证同时免储蓄账户和信用卡费.
申请顶级储蓄账户The Total, 并通过专业认证
这一步一般要去网点, 国民银行网点较少, 提前沟通好再去. 目前有开户奖励300刀.
https://lexya.co/en/student-discounts/national-bank-exclusive-offer (法语真是看不懂, 咨询银行网点经理吧)
国民银行对11种行业有专业认证优惠.
以我自己的IT为例:
https://www.nbc.ca/personal/switch-national-bank/occupations/it.html#notes-item-8e2031e861
认证通过后即可达成顶级储蓄账户和信用卡永久减免.
认证方式因人而异, 需要专业相关学历或者工作证明, 这个因人而异, 多和网点经理沟通下都会通过的.
收益分析
一个永久减免的顶级储蓄账户, 据网点经理说以后贷款啥的还会有优势, 利息减免和额外额度之类的.
一个永久减免的NBC WEMC, 这卡的福利可以参考下述文章.
抛开动态的开卡offer不谈, 这是一个吃饭买菜返现4.15%的信用卡, 另外每年白送150刀Travel返现. 另外还是保险王中王, 总之还是值得拥有的. 别看银行小, 福利正经不少, 估计是知道的人太少了还没温暖升级, 且用且珍惜.
- 加拿大国家银行National Bank Rewards介绍，积分价值估算和使用建议
- 零难度套现 National Bank Rewards（已经收到退款）
- 一篇看懂选卡申卡和用卡的思路，从选择NBC WEMC作为长期卡说起
细则
Savings are calculated as follows: No monthly fee for transactions included in Total® package (annual savings of $694 for two active chequing accounts), plus an annual discount on the individual Securizone product (annual savings of $19), plus an annual discount of 0.75% on the All-In-One line of credit rate (annual savings of $1,125), minus the annual fee for the World Elite® Mastercard® for a year (savings of $150).
国民银行系统逻辑分析
经过几天的规则研读与讨论, 实际上是The Total账户免了WEMC信用卡的年费, 然后专家认证又免了The Total账户的年费.
实操
鉴于业务比较小众外加很多国民银行的员工都完全不懂这个, 放一个操作流程便于引导业务人员正确办理业务.
① 自己去网申一个国民银行的The Total储蓄账户, 卡到了以后激活卡和网银App. (国民银行储蓄账户好像有refer但没奖励, 2023年夏天有一次开户奖励400刀, 2024年目前开户奖励也是300刀 https://lexya.co/en/student-discounts/national-bank-exclusive-offer)
② 自己去网申一个国民银行的WEMC, 可以走返利ratesdotca 50刀. (国民银行信用卡好像没有refer)
③ 信用卡批准了以后立即去国民银行官网预约一个video call, 选择你自己的专家类型.
④ 记住你自己的专家页面的链接以及底部细节, 让专家给你的储蓄账户成功升级为专家类型即可. 同时提醒他给你的WEMC做例行减免.
全部操作成功后的状态是这样的:
IT专家是NBC Privilege Offer 011.
附录: 必须先开储蓄账户再开信用卡的细则
https://www.nbc.ca/personal/accounts/chequing/total.html#notes
7. New holders of an eligible National Bank Mastercard credit card and a chequing account with The Total® package will receive a discount of up to $150. Eligible credit cards and respective discounts are: Echo® Cashback, Syncro, Platinum, World and World Elite®. The discount only applies once after enrollment. The bank account must be opened before the credit card account to qualify for the discount offer. The amount of the discount will be applied as a credit to the credit card account statement within a maximum of 90 days after activation of the card. To qualify for the discount, the credit card account must be in good standing and the bank account must not be overdrawn. The main cardholder and co-holder of an account with The Total package may be entitled to a discount provided they each sign up for an eligible Mastercard primary card. No discount will be given to holders of an additional Mastercard card. Accounts opened with the The Total package before January 22, 2018, are not eligible for this discount. For the conditions relating to National Bank Mastercard credit cards, visit our website.
多谢分享，本贴已经被评为3星精华帖子。关于精华帖子评定标准参考这里：【精华帖子评定标准】如何通过在悠酒论坛发贴赚取大量 TWG 积分
想问你是在旅游报销150的基础上再加150年费返还吗? 我今天去了银行申请的, 说WEMC减年费本来就有150旅游开销的报销,没有额外免年费这一说… (而且貌似这个免年费需要每年验证? ) Anyway 我去的时候agent说是一次verified即终身的专业账户…
然后弄完了才想起来怕错过new account bonus. 不过我Google 搜了去年4月到11月的关键字 “”national bank” chequing account promo 400″没有找到, 好友推荐也没找到任何奖励. 可能NBC就是没有支票账号奖励吧… 不过最后谢谢博主分享!
@zanerica 对, 150报销是所有持卡人都有的, 减免年费是The Total账户提供的福利, 这是两件事, 国民银行的规则里面有明确区分.上次开户奖励是2023年7月6日的, 开户做任务拿300刀.我查了一下现在貌似也有 https://lexya.co/en/student-discounts/national-bank-exclusive-offer
这个lexya法语界面的,搞翻译花了不少时间. 我确定这个只给学生的Le Connecté支票账号, 免30刀信用卡年费,并不是我们说的The total专业账号… 不过我看到the total确实可以减150年费,不错! 如果不用每年验证一次那就更爽了!
@郑向晨 刚刚电话问了客服,$150免信用卡年费是一次性的奖励. 因为我是先有了信用卡,再开的专业checking账号, 就没有这个$150了555… 不过没关系了,已经撸了一年多了这个卡
看楼上挺乱的，坐等dp再动手
先开了信用卡，还可以去开total 支票户然后申请免账户和信用卡费吗？
@allen 国家银行The Total官网的说法是不行, 但我也不知道这个意义在哪.https://www.nbc.ca/personal/accounts/chequing/total.html#notes7. New holders of an eligible National Bank Mastercard credit card and a chequing account with The Total® package will receive a discount of up to $150. Eligible credit cards and respective discounts are: Echo® Cashback, Syncro, Platinum, World and World Elite®. The discount only applies once after enrollment. The bank account must be opened before the credit card account to qualify for the discount offer. The amount of the discount will be applied as a credit to the credit card account statement within a maximum of 90 days after activation of the card. To qualify for the discount, the credit card account must be in good standing and the bank account must not be overdrawn. The main cardholder and co-holder of an account with The Total package may be entitled to a discount provided they each sign up for an eligible Mastercard primary card. No discount will be given to holders of an additional Mastercard card. Accounts opened with the The Total package before January 22, 2018, are not eligible for this discount. For the conditions relating to National Bank Mastercard credit cards, visit our website.
今天看到这个帖子立刻预约了一个appointment去问，问的结果是说，你需要开一张NB指定的信用卡并且一直持有它的信用卡，就可以给你免你的The total账户的月费。至于信用卡是传统的首年免年费。我个人觉得是对于没有其他主力信用卡的用户，尤其是在QC的居民，或者是PPP的DLB可以考虑，但是已经有主力卡的，完全没有必要。
完全误导，national难道不是在玩花招吗？没有一点甜头，这个顶级The Total, 月费$28.95, 如果有信用卡月费$18.95, 信用卡如果在账户后开可减头一年年费。所以这个IT program认证根本没用。别家银行吸引客户总要出个几百，这个纯忽悠能行？怪不得这么容易约到。
有信用卡的话月费是0
@d3488 Savings are calculated as follows: No monthly fee for transactions included in Total® package (annual savings of $694 for two active chequing accounts), plus an annual discount on the individual Securizone product (annual savings of $19), plus an annual discount of 0.75% on the All-In-One line of credit rate (annual savings of $1,125), minus the annual fee for the World Elite® Mastercard® for a year (savings of $150).
今早约了银行谈，估计这人业务不熟？看上面这里说的应该免The Total费用。信用卡好像只免一年？而且没说是不是要之后才开？
1. Subject to credit approval by National Bank. The discount is offered to holders of a National Bank Platinum®, World or World Elite® Mastercard credit card. The $1,688 in annual savings is provided as an example only to
看这个第一条款，这个优惠面向现在持卡人，那这个第一年免年费是不是应该适用已开了和付了卡费的呢？
先开储蓄账户, 申请信用卡, 信用卡激活了以后约专业认证同时免储蓄账户和信用卡费.
[quote data-userid=”422″ data-postid=”10653″]
@d3488
Savings are calculated as follows: No monthly fee for transactions included in Total® package (annual savings of $694 for two active chequing accounts), plus an annual discount on the individual Securizone product (annual savings of $19), plus an annual discount of 0.75% on the All-In-One line of credit rate (annual savings of $1,125), minus the annual fee for the World Elite® Mastercard® for a year (savings of $150).
[/quote]
这里写的 for a year.
但我明白你的意思了 先弄total 然后开信用卡 这时信用卡认为你一直是total 就会一直减免150， 然后把total转成prof的chq 这样chq不用放钱 同时信用卡也能一直免年费
我可能次序弄错了 或者我当初只弄了connected 然后信用卡本身第一年免了年费 后来把connected转成了prof cheq
现在还有补救方法吗？
建议咨询一个客户经理, 看看他们有没有办法
我记得信用卡只有第一年的
每年永续
不是的,这个信用卡就第一年.不是没有年费了
永久减免还是挺好的，如果是每年还要再去验证一次就有点麻烦
不错，感觉这个专业认证有点意思。
谢谢分享