- Simplify your finances while enjoying platinum services.
- You could get a 1.99% promotional annual interest rate ("AIR")† for 12 months on balance transfers✪ [completed within 90 days of account opening], with a fee of 1% of the amount advanced (minimum fee of $7.50)
- Access to 24/7 customer service
- Around-the-clock-fraud protection
- Immediate cash access at over 1 million ATMS worldwide
- No annual fee
4.5 / 5.0 (85 votes)
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Information - Rates - Fees

Intro APR:
Applied Towards:
Balance Transfer
Intro Period:
12 months*
Annual Fee:
Card Network:
Card Category:
Consumer (Premium)
Card Type:
Instant Decision Card
Low Interest Credit Card
Credit Needed:
Grace Period:
21 days*
Max Credit Line:
Late Payment Fee:
Over Limit Fee:
$25.00 per billing cycle

Balance Transfers

Balance Transfer:
Minimum Fee:

Cash Advances

APR on Cash Advances (%):
Cash Advance Fee (%):
Minimum Fee:

Other Fees

Additional Fees
Returned Payment Fee: $35
Returned Cheque Fee: $20.00
Monthly Statement Fee: $2.50
Sales Draft Fee: $2.50

Review by

The Platinum Plus Master credit card is designed for Canadian residents who have good credit interested in card offering robust credit lines and many more benefits. It charges low interest rates on balance transfers and cheque cash advances throughout a 12 month introductory period. All transactions including purchases incur fixed interest rates which are disclosed in the card agreement and envelope.

Cardholders do not incur an annual fee and there's no special rewards program although discounts on purchases could come from merchants partnering with MBNA Canada.

Other benefits a cardholder avails of include online account access, online bill payment, zero fraud liability, fraud protection, extended warranty and round the clock customer support.

Applicants who do not qualify for this card may receive a preferred card which is upgraded to this at a later time.


Most attractive:
- Low Introductory rate
- No annual fee
Least attractive:
- No rewards program

Rewards & Benefits

There is no rewards program with this card.
Other Benefits:
- Internet related services
- Emergency card replacement
- 24-hour customer service
See website for additional benefits.
Online Access:

The information provided for Platinum Plus® Mastercard® credit card - 0 for 12 is believed to be accurate at the time of evaluation (Dec 19, 2017). We strongly advise visitors to review the terms and conditions to verify accuracy of the information posted prior to applying for the product.