Credit Card Reviews
National Bank World Elite MASTERCARD Consumer Reviews
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(7 reviews)
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Earn 2% Money-Back Rewards on purchases in two 2% Money-Back Categories of your choice, and 0.50% Money-Back Rewards on all other purchases with Tangerine World Mastercard®.
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Application (1)
Insurance: Accident (1)
Insurance: Baggage Delay (1)
Insurance: Burglary (1)
Insurance: Car Rental (1)
Insurance: Evacuation (1)
Insurance: Flight Delay (1)
Insurance: Travel Medical (1)
Phone wait times (2)
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Travel (1)
Trip Cancellation (1)
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BNC Mastercard does not respect its customers and its card agreements. They said they would reimburse you for any theft or breakage. This is completely false. In addition, they deal with a third-party company called Can Assistance... The worst company in the world, we wait more than two hours to speak to someone. In addition, they ask for a new document each time to explain finally they will not reimburse you. I'm going back to my previous bank wich was friendly, honest and respectful of their customer.
You have to wait for an hour to get someone on the phone to approve a charge to the card. Its constant and bad for businesses. I don't have all day to sit on a phone tp get something approved. Its time to switch !!
Tangerine World Mastercard®
Earn 2% Money-Back Rewards on purchases in two 2% Money-Back Categories of your choice, and 0.50% Money-Back Rewards on all other purchases with Tangerine World Mastercard.
What else will you get:
- Have your Money-Back Rewards deposited into a Tangerine Savings Account, and get a 3rd 2% Money-Back Category.
- No limit on the amount of Money-Back Rewards you can earn.
- Change your 2% Money-Back Categories to suit your spending.
- Mobile Device Insurance
Get this card / Apply online
I would STRONGLY encourage you to AVOID this company and their credit card. Their customer service is one of the worst I have ever experienced.
Firstly, although there appears to be an online chat function, the only way to connect with a live agent is by phone. It takes FOREVER to connect with a live agent. Be prepared to wait 30 minutes to 1 hour for even the most simple questions. Unless you speak French, it can be difficult to communicate with the agent too as I believe most of their agents are native francophones, even when you choose the English line.
Lastly, to set up pre-authorized debit, one would have to thoroughly search the website in order to find the pre-authorized debit form, as it is not immediately intuitive. You would have to download the form, complete it, print it then MAIL it or FAX it to NBC. There is no online emailing option or a secure portal to upload your confidential documents. I have no clue how many individuals still have fax machines in their homes in this day and age.
I am cancelling this credit card at the first instance once I have received my rewards.
National Bank World Elite Mastercard is a high-end card from National Bank that has an annual fee of $150. It comes with an extensive array of rewards and benefits. This card features a comprehensive travel insurance package. Several travel insurance features go above and beyond what most Canadian cards have to offer.
Several insurance features that make it stand out are:
- Solid Trip Interruption coverage of $5,000
- Travel Medical Insurance with maximal coverage of $5,000,000 covers insured persons aged 54 and under for 60-days trips and those aged 55-64 - for 31 days trips. Even those aged 65 to 75 can enjoy 15-day-long coverage. That is a longer Travel Medical Insurance coverage than most other Canadian credit cards.
- Also, the presence of Trip Cancellation Insurance is great though it could offer slightly higher coverage. The maximum coverage today is up to $2,500 per insured person.
As for travel insurance weaknesses - this card does not have many of them:
- Travel Medical Insurance does not cover people aged 76 or older. But that is very common for most cards. In fact, many of them have seniors age cut off at 65 years.
- No Burglary Insurance protection and no Common Carrier Accident coverage
This card has many other useful projection elements for travellers such as Rental Car Insurance, Flight Delay coverage of $500 per person (based on 4 hours delay), Baggage Loss and Delay protection.
Summarizing that all together, National Bank World Elite Master Card is a great card for Canadian travellers offers protection that is more extensive than many other credit cards today.
About the Authour: Alex is an InsurEye team member who is heavily focused on credit cards and the assessment of travel insurance features. He has extensive knowledge of most Canadian credit cards including main banks, credit unions, and other financial services organizations. His insights have been featured in such Canadian media outlets as Globe and Mail, Money Sense, Toronto Star, and many others.
I applied because of their marketing of the points program. Have a good income and credit rating and other Elite Credit cards already. But initially, they called me and said they wanted my Driving License as proof of ID and address. I emailed it. Nothing happened for 10 days I called them again and they said oops yeah we have it... After another week got an email saying I've been approved and got the card. When I called to activate, they said they wanted even more proof of address even though they had my driving license. They said other bank statements are not enough, demanded my tax returns! The customer service is very rude, didn't care if I stayed as a customer or not. The whole thing feels like a fishing expedition to get people's info. DO NOT FALL For it.
Tangerine World Mastercard®
Earn 2% Money-Back Rewards on purchases in two 2% Money-Back Categories of your choice, and 0.50% Money-Back Rewards on all other purchases with Tangerine World Mastercard.
What else will you get:
- Have your Money-Back Rewards deposited into a Tangerine Savings Account, and get a 3rd 2% Money-Back Category.
- No limit on the amount of Money-Back Rewards you can earn.
- Change your 2% Money-Back Categories to suit your spending.
- Mobile Device Insurance
Get this card / Apply online
Disputed a charge online and submitted the documentation, they said they would respond to me within 2 business days. 2 months later they sent me a letter saying I had 10 days to respond to their letter with documentation. Of course, being a busy individual focusing on health problems all at once this was an unreasonable request, especially considering I had already done all that online. I will now be changing products.
i have no problems using this mastercard anywhere I go -for restaurants bars, entertainment or other payments. The insurance is very good on this card, I'm very satisfied with it.