The National Bank Allure Mastercard is National Bank of Canada’s entry-level no-annual-fee rewards credit card, earning Allure points on eligible everyday purchases. It is primarily available to National Bank clients in Quebec and serves as the starting point in NB’s card ecosystem — a gateway to the National Bank rewards programme without a financial commitment.
Quick Verdict
Best for: National Bank clients in Quebec who want a no-annual-fee entry card to start earning NB rewards points on everyday spending, with no income requirement and the backing of one of Canada’s six largest banks.
Not ideal for: Those who want the highest rewards return — NB’s own World Elite Mastercard (also no annual fee, $0/year at certain income thresholds) or the NB Platinum Mastercard deliver higher earn rates. Quebec residents with strong credit should evaluate the NB World Elite before settling for the Allure.
Key Card Details
| Feature | Detail |
|---|---|
| Annual fee | $0 |
| Additional cardholder fee | Verify at nbc.ca |
| Purchase interest rate | Verify at nbc.ca |
| Cash advance rate | Verify at nbc.ca |
| Foreign transaction fee | 2.5% (typical) — verify at nbc.ca |
| Income requirement | None for Allure Mastercard |
| Network | Mastercard |
| Rewards | Allure Points |
| Welcome bonus | Verify current offer at nbc.ca |
| Primary market | Quebec (National Bank’s core market) |
Card terms, earn rates, and all features are subject to change. Verify all current details at nbc.ca before applying.
Earn Rates
Verify all current earn rates at nbc.ca.
| Spending Category | Allure Points |
|---|---|
| Dining and restaurants | Elevated rate — verify at nbc.ca |
| Groceries | Elevated rate — verify at nbc.ca |
| Travel | Base or elevated — verify at nbc.ca |
| All other eligible purchases | Base rate — verify at nbc.ca |
Allure Points Redemption
| Redemption Type | Details |
|---|---|
| Travel | Book through NB Rewards travel portal |
| Cash back / statement credit | Verify redemption rate at nbc.ca |
| Gift cards | Major Canadian retailers |
| Merchandise | NB Rewards catalogue |
No airline transfer partners: National Bank Allure points do not transfer to Aeroplan or WestJet. If airline mile transfers are important, Amex Membership Rewards (Amex Gold, Cobalt) or Scotiabank Amex Scene+ offer more flexibility.
Fees and Rates
| Fee | Amount |
|---|---|
| Annual fee | $0 |
| Purchase interest rate | Verify at nbc.ca |
| Cash advance rate | Verify at nbc.ca |
| Foreign transaction fee | Verify at nbc.ca (typically 2.5%) |
National Bank Card Lineup: Where Allure Fits
| Card | Annual Fee | Programme | Income Required |
|---|---|---|---|
| NB Allure Mastercard | $0 | Allure Points | None |
| NB mycredit Mastercard | $0 | Cashback (no programme) | None |
| NB Platinum Mastercard | ~$70 | À la carte Rewards | None |
| NB World Mastercard | $0–$115 (verify) | À la carte Rewards | $60K individual |
| NB World Elite Mastercard | $150 | À la carte Rewards | $80K individual |
The Allure Mastercard sits at the entry level — above the no-rewards mycredit Mastercard but below the À la carte Rewards programme offered on Platinum and World tier cards.
National Bank Allure vs. Other No-Fee Quebec-Friendly Cards
| Card | Annual Fee | Quebec Availability | Rewards |
|---|---|---|---|
| NB Allure Mastercard | $0 | Yes (NB primary market) | Allure Points |
| NB mycredit Mastercard | $0 | Yes | Cash back |
| Desjardins Bonus Visa | $0 | Yes (Quebec cooperative) | Bonusdollars |
| Desjardins Odyssey WE MC | $130 | Yes | Bonusdollars |
| Tangerine Money-Back | $0 | Yes | Cash back |
| BMO CashBack Mastercard | $0 | Yes | Cash back |
Quebec cardholder note: Quebec residents are subject to the Consumer Protection Act (CPA), which imposes stricter disclosure requirements on credit card marketing. Some out-of-province card issuers (or US-affiliated brands) have historically restricted Quebec applications. National Bank and Desjardins are the most Quebec-native options.
Who Is the National Bank Allure Mastercard Best For?
Ideal cardholders:
- National Bank clients in Quebec who want to consolidate banking and credit card with NB
- Those new to credit who want a no-fee starting card with an established major bank
- Quebec residents who prefer NB (a Quebec-headquartered institution) over national banks
- Those who want entry into NB’s rewards ecosystem before potentially upgrading to À la carte Rewards
Less suitable if:
- You meet the income requirement for the NB World Elite Mastercard — significantly higher earn rates
- You want the highest no-fee grocery/gas cash back — BMO CashBack (3% grocery) or Tangerine (2%) are stronger
- You want no foreign transaction fee — add the Brim World Mastercard or Home Trust Preferred Visa for FX-free purchases
Bottom Line
The National Bank Allure Mastercard is a straightforward entry-level card for National Bank’s core Quebec customer base. With no annual fee and basic Allure points earning on everyday spending, it provides a zero-cost way to engage with NB’s rewards ecosystem. However, Quebec residents with good credit should check whether they qualify for the NB World Elite Mastercard or NB Platinum Mastercard — both offer higher earn rates and a more robust À la carte Rewards programme.
Card terms, Allure programme earn rates, and redemption options are subject to change. Verify all current details at nbc.ca before applying.