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. |
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