You can apply for an MBNA credit card online at mbna.ca. MBNA is a division of TD Bank — you apply directly through MBNA, not through TD’s website. Applications take under 10 minutes and most receive an instant decision.
Step-by-Step: Applying Online
- Choose your card — Review MBNA Canada credit cards
- Go to mbna.ca — Click “Apply Now” on your chosen card
- Complete the form — Personal info, income, employment, housing costs
- Submit — MBNA runs a hard credit inquiry; most decisions are immediate
Income Requirements
| Card | Annual Fee | Personal Income | Household Income |
|---|---|---|---|
| Smart Cash World Elite Mastercard | $120 | $80,000 | $150,000 |
| Rewards World Elite Mastercard | $120 | $80,000 | $150,000 |
| True Line Mastercard | $0 | None | None |
Note that MBNA’s World Elite threshold ($80K personal) is higher than TD’s Visa Infinite threshold ($60K personal). If you earn $60K–$79K, you’ll qualify for a TD Visa Infinite but not the MBNA World Elite.
Required Information
| Field | Details |
|---|---|
| Legal name | As on your government ID |
| Date of birth | |
| SIN | For identity verification |
| Annual gross income | From all sources |
| Employment status | Employed, self-employed, retired, student |
| Employer details | Name and tenure |
| Home address | Current and prior if under 2 years |
| Monthly housing cost | Rent or mortgage |
Existing TD Clients
MBNA is owned by TD Bank, but MBNA and TD operate separate online banking systems. Existing TD clients do not receive automatic pre-fills — you apply through mbna.ca as if you were a new customer.
After You Apply
| Outcome | Timing | What to Expect |
|---|---|---|
| Approved | Seconds | Card mailed; arrives in 7–10 business days |
| Under review | 1–5 business days | MBNA may call to request income documentation |
| Declined | Immediate or up to 5 days | Consider True Line (no income req.) or BMO CashBack Mastercard |
To follow up: 1-888-876-6262 (MBNA Canada).
Tips
- MBNA World Elite vs. TD Visa Infinite: If you earn $60K–$79K, TD’s $60K income threshold gives you access to a wider range of premium cards (TD Aeroplan Infinite, TD Cash Back Infinite). The MBNA World Elite requires $80K.
- No first-year bonus on all cards: MBNA occasionally runs welcome bonus promotions — check mbna.ca at application time.
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Process current as of June 2026. Verify at mbna.ca. See our Advertiser Disclosure.