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National Bank Allure Mastercard®
Credit cards

National Bank Allure Mastercard®

Updated 29.11.2022

About National Bank Allure Mastercard

National Bank Allure Mastercard is a no-fee credit card with cash-back earning opportunities. A zero annual fee for both primary and additional cardholders and a minimum credit limit of $500 make Allure Mastercard an affordable credit solution.

What makes this card special is an opportunity to support the Quebec Breast Cancer Foundation while making your everyday purchases. That is, for every $10 charged to an Allure Mastercard® credit card account within 12 months, National Bank donates $0.10 to the Quebec Breast Cancer Foundation. 

Allure Mastercard features

A National Bank Allure Mastercard credit card provides a 20.99% interest rate on purchases and 22.49% — on balance transfers and cash advances. There is no annual fee for this card (neither for the primary nor for additional cardholders).

The minimum credit limit with Allure Mastercard is $500.

As for cash back, a National Bank Allure Mastercard credit card offers a point-accumulation system: for every $2 spent on your purchases, you will earn 1 point. Then, once a year, you get a $10 cashback credit for every 1,000 points earned. 

Along with cash back earning opportunities, you can get a 10% discount on gift cards purchased through Your Allure. These gift cards are redeemable at Allure’s partner merchants.

Insurance coverages included in a National Bank Allure Mastercard credit card are:

  • Purchase protection providing 90-day coverage for purchases charged to your credit card account against theft or damage

  • Extended warranty increasing the original manufacturer’s warranty by up to one additional year

Pros and cons

The major advantages of a National Bank Allure Mastercard credit card are:

  • A zero annual fee

  • Free issuance of additional cards

  • Affordable minimum credit card limit

  • Cash-back earning opportunities

  • Discounts on Allure gift cards

  • No minimum annual income requirements to apply

  • An opportunity to support the Quebec Breast Cancer Foundation 

  • 24/7 customer service

  • Contactless payment supported

  • Zero liability protection from Mastercard

Still, there are certain disadvantages:

  • The lack of welcome offers for new applicants

  • The lack of additional benefits from Mastercard

  • Few insurance coverages included

How to apply for a National Bank Allure Mastercard

You can apply for a National Bank Allure Mastercard credit card online. Click the “Apply now” button on the credit card description page and specify if you are a National Bank of Canada client already. If yes, sign in to save time on your application. If you are new to the National Bank of Canada, proceed with an application form and provide the following details:

  • Your first name

  • Your last name

  • Your date of birth

  • Your email

  • Your social insurance number (optional)

  • Your phone number

  • Your address

  • How long you have lived there

  • Your occupation 

  • Your employee status

  • Your position

  • The name of your employer

  • Work phone number

  • Month and year since you work there

  • Your gross annual income

  • Whether you want to add a credit card payment insurance plan

Then, review your applicant information, agree to the terms and conditions, and proceed with identity verification. To verify your identity, be ready to provide a picture of your government-issued photo ID and make a selfie. 

After verifying your identity, you can request additional cards if needed.

To qualify for a National Bank Allure Mastercard credit card, you must be a Canadian resident at the age of majority in your province or territory. Applying for this credit card involves no minimum annual income requirements.

Is there an interest-free grace period for an Allure Mastercard?

If you pay your credit card balance in full within 21 days of the statement date, you will pay no interest on purchases charged to your National Bank Allure Mastercard credit card account during the month.
What is the minimum payment amount?

Account balances less than $10 are due in full. 

For Quebec residents, the minimum payment equals 5% of the account balance plus any overdue amount of $10 (whichever is greater). For clients outside Quebec, the minimum payment equals 2.5% of the account balance plus any overdue amount of $10 (whichever is greater).

Where can I redeem an Allure gift card?You can redeem an Allure gift card at Allure’s partner merchants — Amerispa, Banana Republic, Gap, Old Navy, and Winners/HomeSense/Marshalls. Check the Your Allure website for the relevant list of Allure partners.
Rate
i

Effective interest rate on the product

20.99% - 22.49%

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