加国信用卡 – National Bank World Elite Mastercard 介绍,加拿大信用卡保险王中王

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National Bank World Elite Mastercard是加拿大National Bank的一张高消费回报,保险极为全面的信用卡。详细可参考:申卡指南 – 加拿大信用卡保险之王中王

2023年4月5日更新,NBC的2x,只能是用NBC的A la carte的旅游支出才算2x,自己的旅游支出是1x(多谢网友提供资料)。

2023年2月3日更新,实测发现免首年年费的$150将会于第三个月的statement出来后退回。如果首三个月刷满5千,3万分的新开卡奖励也大约同时间到帐。

2022年7月24日更新,这张卡最近有重大更新:

  • National Bank World Elite Mastercard还有一个很特别的租车个人财物险 Rental Car Personal Effects – C$2,000。(这个将会于2022年9月份取消)
  • 买菜和吃饭5x积分,上限为每月$2500(买菜和吃饭一共),之后是2x,这个将会于2022年9月份开始。
  • 油站,帐单,旅行2x积分,无上限,这个将会于2022年9月份开始。
  • 其它任何消费1x积分,无上限,这个将会于2022年9月份开始。
  • 新增手机2年保险,上限为1千。
  • 旅行类别帐单回扣上限为每年$150。

最新优惠


2023年7月1日开始申请的话,这张卡暂时没有任何新开卡奖励。

2023年6月30日前申请,在新开卡的第一年,将有机会得到总价值为$1,750 加币的回报(假设年消费额为$48,000),

其中包括:

  • 首3个月消费满$5000,可得3万分;当用于兑换旅行类消费时,相当于250加币 ($100 per 12,000 points);
  • 如果同时加上信用卡的加拿大信用卡欠款余额保险 (credit card payment insurance),可得1万分;当用于兑换旅行类消费时,相当于83加币 ($100 per 12,000 points);
  • 第一年消费满$12,000,可得额外3万分;当用于兑换旅行类消费时,相当于250加币 ($100 per 12,000 points)。

2022年8月31日前申请,免首年年费,头三个月消费满$3,000可以有2万分,相当于$167 加币。(多谢网友Name提供资料)

评分


长期持卡4.5 / 5
消费回报4.0 / 5
福利保险5.0 / 5
外观设计3.5 / 5

信用卡申请101


以下对每项主要福利进行分析一下。

福利介绍


  • 买菜和吃饭5x积分,如果能在买菜和吃饭上面消费出每月$2500的话,那么就是相当于每年能拿15万分,也就是总额加币C$1500的消费回报,之后是2x。National Bank积分的价值0.4 – 1加分,转换成statement credit价值最低(6,250 分 = $25),用在National Bank自家旅游代理可以拿到最高价值(100分 = $1)。其他的兑换选项包括旅游报销,Giftcard,Investiment积分的价值大概在0.77 – 0.91加分之间。 详细可参考:National Bank Rewards介绍,积分价值估算和使用建议
  • 每年有$150 Travel Credit 旅行类帐单回扣,可以用在以下的任何一项消费上面(单项消费没有上限,直到150块为止):
    • 机场停车 Airport parking
    • 托运行李 Baggage fees
    • 航班选座 Seat selection
    • 机场贵宾室 Access to airport lounges
    • 航班升舱 Airline ticket upgrades
  • 无限次免费使用National Bank VIP lounge

    National Bank VIP lounge在蒙特利尔机场,无限次免费使用只限主持卡人,并只限飞国际航班(不包括飞加拿大和美国),每次只限使用3小时。带其它人进入的话,成人每次$40,3岁以下小孩每次$25。关于这家机场贵宾室,可参考:

    贵宾室体验 – 蒙特利尔国际机场 Montreal Airport YUL National Bank Lounge (2022版)

  • 24/7的旅游管家服务

其它福利还包括:

  • 手机保险 Mobile Device Coverage – 2年,上限为1千。
  • 购物保险 Extended Warranty – 2年
  • 购物丢失 Purchase Protection – 180天
  • 旅行意外保险 Travel Accident – C$500,000
  • 旅行紧急医疗保险 Emergency Medical Term – 54岁或以下:60天,55-64岁:31天,65-75岁:15天
  • 旅行取消 Trip Cancellation – C$2,500
  • 旅行中断 Trip Interruption – C$5,000
  • 航班延误 Flight Delay – C$500
  • 行李延误 Baggage Delay – C$500
  • 行李丢失 Lost or Stolen Baggage – C$1,000
  • 租车保险 Rental Car Theft & Damage – 包括

年费评估


主卡年费是C$150,副卡是C$50。

申卡要求


年收入8万或者家庭年收入15万,或者每年消费2.5万以上,又或者在National Bank有40万以上的投资资产。

网上申卡


如果对这张卡有兴趣的话,点击下面申请键可以直接跳转到Nation Bank Canada银行的官方申请英文网页(开卡礼相同)。申请直达网页:

Legal Disclaimer


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 will correspond to 5% of the credit card account balance plus any overdue payment or $10, whichever amount is higher. If you reside outside of Quebec, your minimum payment represents 2.5% of the credit card account balance plus any overdue payment or $10, whichever amount is higher. Account statement: A statement is sent monthly. 

Example of credit charges over a 30-day period 

Annual interest rate Average balance 
 $500 $3,000 
22.49% $9.24 $55.45 
20.99% $8.63 $51.76 
12.90% $5.30 $31.81 
8.9% $3.66 $21.95 

*Variable interest rate in effect on September 1, 2021 

 Balance transfer and cash advance are subject to credit approval by National Bank. Each balance transfer must be at least $250. 

Details of eligible rewards points

Certain restrictions apply. For more information, consult the Rewards plan section or the Plan rules regarding how to earn points. 

The amount of points earned on grocery and restaurant purchases depends on the total gross monthly amount charged to the credit card account, regardless of the purchase category. You will earn 5 points for every dollar in eligible grocery and restaurant purchases until a total of $2,500 in gross monthly purchases is charged to the account. After that, you will earn 2 points per dollar in eligible grocery and restaurant purchases. 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. Ready-to-eat meal services and meal delivery services are eligible. This definition excludes purchases made at retail stores and big box stores whose core business is the sale of non-food items. Certain merchants may sell products and services that appear identical or similar to those sold by eligible merchants, or may be separate merchants located on the same premises as eligible merchants, but are classified in different categories by Mastercard. For purchases at other merchants, you will only earn regular rewards points. Restaurant purchases include purchases at a restaurant, fast food restaurant, bar, nightclub or pub. For a full list of Mastercard codes associated with eligible merchants, download the terms and conditions of the À la carte Rewards Plan®

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. Certain merchants may sell products and services that appear identical or similar to those sold by eligible merchants, or may be separate merchants located on the same premises as eligible merchants, but are classified in different categories by Mastercard. For purchases at other merchants, you will only earn regular rewards points. For a full list of Mastercard codes associated with eligible merchants, download the terms and conditions of the À la carte Rewards Plan®

Recurring bill payments are defined as monthly or regular payments automatically charged by a merchant to your National Bank World Elite Mastercard credit card. Not all merchants offer recurring bill payments, and not all recurring payments are considered recurring bill payments. Certain payments therefore may not entitle you to earn more points.  

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.  

For example, if each month you charge $400 in groceries, $200 in gas, $100 in recurring bill payments and $150 in other purchases to your card, your $850 in purchases will earn you 2,750 points, as follows: 2,000 points for grocery purchases (since the total gross monthly amount is $850, i.e., under $2,500), 400 points for gas purchases, 200 points for recurring bill payments and 150 points for other purchases.

National Bank Lounge conditions

Exclusively available to World Elite Mastercard cardholders. Visitors must present their physical credit card and boarding pass to access the National Bank Lounge. The National Bank Lounge is only available to clients travelling to international destinations (excluding Canada and U.S. flights). Guests cannot spend more than three (3) hours in the Lounge. For National Bank clients who do not have free Lounge access and for additional guests, admission is around $37 for adults and $26 for children, plus tax. Admission is free for children under three years old. The entry price may change at any time without notice and at the discretion of the Lounge operator.

Travel and health insurance conditions

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. An account in good standing refers to an account linked to a credit card which complies with the Agreement governing the use of the credit card and which is not subject to any restrictions. For example, the annual fees related to the credit card must have been paid in full. The maximum amount that can be submitted for reimbursement between January 1 and December 31 of each year is $150.

Eligible expenses include: 

  •   airport parking fees
  •   baggage fees
  •   seat selection fees
  •   access to airport lounges worldwide 
  •   airline ticket upgrades

The claim must be submitted within 60 days of the purchase date and accompanied by proof of purchase. The travel fees must be charged to the National Bank World Elite Mastercard credit card. 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. An amount not claimed in a year cannot be carried over to the following year. For more information or to obtain the refund form, sign in to rewards.nbc.ca, click the Refund of travel expenses tab and complete the form, you can also contact us at 1-888-296-8881 (toll-free).  

This coverage applies to purchases and rentals charged in part to the card, except out-of-province medical/hospital insurance for which the travel arrangements need not be charged to the card and lost or delayed luggage insurance where all transportation costs must be charged to the card. This coverage applies to the primary cardholder, their spouse and/or dependent children when they (spouse and/or dependent children) travel with the primary cardholder. Extended warranty coverage applies to most new items purchased with the card, in Canada or abroad, as long as the manufacturer’s warranty is valid in Canada. Certain conditions and restrictions apply. For more information and for details of your insurance coverage, please consult the insurance certificate associated with your card

Mobile devices protection:

Up to $1,000 in the event of breakage, loss or theft for a maximum of 2 years after the purchase date. The device must have been purchased using your National Bank World Elite Mastercard credit card, or your phone plan must be paid via recurring payments charged to your National Bank World Elite credit card starting September 1, 2022. For complete terms and conditions, please consult the insurance certificate associated with your card.

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Sam

請問副卡也有$150 travel credit嗎?

蓝色小熊

2024年8月15日之前申请,开卡礼4万分

scolfield

旅行意外保险 Travel Accident
看了官网,现在不包括这个保险。

allen

航空保险是不是只要用此卡支付部分机票费即可?(除了行李延误险,此保险必须全额支付旅行费用才生效)

scolfield

现在看官网好像没有免首年年费的优惠了

Cici

请问报销里的lounge可以买给家人用吗?

rqiu07

仔细读了NB卡的攒分条款,5x菜店和餐馆的积分只适用于每个月前2500的消费,也就是说如果你开头先花了1500买了个手机,那么只有剩下1000可以用于5x的菜店和餐馆积分。
我个人感觉这就有点坑了,除非只拿这张卡买大件、或旅行,享受2年额外延保和一系列旅行保险,但我看老外的理赔DP,说过程又非常麻烦,保险公司各种刁难。
“The amount of points earned on grocery and restaurant purchases depends on the total gross monthly amount charged to the credit card account, regardless of the purchase category. You will earn 5 points for every dollar in eligible grocery and restaurant purchases until a total of $2,500 in gross monthly purchases is charged to the account. After that, you will earn 2 points per dollar in eligible grocery and restaurant purchases. The total gross monthly amount is calculated based on your monthly billing period.”

不知道我理解的对不对,请指正

sgg

对的,很坑。而且如果你先消费了2500在别的类别上,然后立刻refund了2500回去,你依旧只有$0的5x额度。所以NBC相当于是粗暴的直接计算前2500的消费。

EdgarHuang

信用卡保险给的一万分大概什么时候到,打算到的时候把保险取消了

EdgarHuang

很多谢谢!

maochacha

刚刚发现这张WEMC条款改了,申请的时候是使用12个月,花1万2会有3万分的。现在上面居然说只有1万分。还有前三个月消费满$5k 的3万分也变成了2万分。比较过分喔!可惜当时没有截图。

maochacha

這也是我的理解。但是 …

maochacha

刚刚打去客服了,他们说4月出卡的有一些partner会有7万分的promotion,但是如果直接在nbc申请的,就只有4万😥

maochacha

请问版主当时是在哪个partner上申请的?我后来email了网上找到的一些英文proof给客服supervisor, 也没能把那10000分争取回来。打算把分数换完以后关卡算了。12个月的奖励也只有1万分没有3万分。比较失望。

maochacha

有收到前三个月消费满$5k 的送3万分的了吗?我第三个月的账单只有2万分,是不是要找客服拿分呢?

Jason9788

遇到了一样的情况花满5k只给了2万分,已经有第4个statement了。打电话给客服,客服拒不承认,说offer就是给两万分

maochacha

一样

Jason9788

请问$150 的Travel Credit可以分几次报吗,还是要一次性全报掉?

hotpot

请问这张卡在Walmart有5倍积分吗?

maochacha

Walmart算shopping, 应该不是Grocery. 我在自动结算机结账的。

zanerica

$150 Travel Credit 的五个项目,只能用一项报销吗?如果我有75块停车,75块行李托运的话,两个都算吗?谢谢

allen

总共150啊,没说只能报一项

pocket_lili

求问第二年有啥优惠

lwrainbow

收到RATESDOTCA的offer送额外$150 cash bonus

zanerica

现在7万分,是史高吗

allen

年费有点高,消费额度稍低,其他都很好

allen

谢谢,如果可以免年费那就值得长持了

owen

creditcardGenius.ca 上面这个卡返现150
但是我没用过这个网站

63471702

通过GCR申请,还能再多$100 ——现在看了一下,是$50
另外,Get your World Elite® Mastercard® credit card and receive up to 70,000 rewards points and save on the annual fee for the first year.

63471702

史高啊,那我必须现在申请了

ahhykz

话说这个卡是不是那匹配租车公司高级会籍啊?(比amex白金送的那个更好?我在美卡论坛看的)

ahhykz

不知道啊,可能加拿大没这个东西?