If you’re in search of a new credit card, the MBNA True Line Mastercard might be the ideal choice for you. 

Designed for quick approval and everyday use, providing benefits, this card has stood out as an excellent option. 


In this article, we’ll provide detailed information about the MBNA True Line Mastercard, highlighting its benefits and explaining how you can quickly obtain your credit card. 

Keep reading to find out how to apply for your MBNA True Line Mastercard.


Is it worth having an MBNA True Line Mastercard?

The MBNA True Line Mastercard is a credit card designed to maximize advantages and make everyday use easier. Here are the services and benefits offered by this credit card:

Good Daily Services

The MBNA True Line Mastercard stands out by offering a wide range of features and benefits aimed at assisting cardholders in saving money and efficiently managing their finances. 

The interest rate of only 8.99% per year for purchases and balance transfers represents significant savings compared to the average credit card interest rates in Canada, which generally hover around 19% per year.

With an annual fee of only $39, the MBNA True Line Mastercard offers an economical option compared to other credit cards that also offer competitive interest rates.

Additionally, the MBNA True Line Mastercard stands out for its fast and uncomplicated approval process, providing users with a quick response when applying for the card.

The inclusion of Apple Pay support facilitates quick and secure payments using Apple devices such as the iPhone or Apple Watch.

MBNA True Line Mastercard holders enjoy a 10% discount on eligible car rentals from Avis and Budget in Canada and the USA.

These combined benefits make the MBNA True Line Mastercard an advantageous choice for everyday use, providing not only financial savings but also practical conveniences for cardholders.

Welcome Offers

The MBNA True Line Mastercard offers an attractive range of welcome offers designed to benefit new cardholders significantly from the outset:

  • Exclusive Cashback for the First 3 Months: Newcomers have the opportunity to enjoy exclusive cashback of up to 5% on qualified purchases during the first 3 months. This offer provides an effective way to maximize returns on initial expenses.
  • Interest-Free Balance Transfer for up to 12 Months: New MBNA True Line Mastercard holders can make interest-free balance transfers for an extended period, up to 12 months. This offers flexibility and savings for customers.
  • Discounts on Partner Products and Services: Additionally, new customers have the opportunity to take advantage of discounts on a variety of products and services offered by partner companies, providing additional savings.

These welcome offers, combined with the favorable financial features of the MBNA True Line Mastercard, make it an attractive choice for those seeking not only effective credit management but also immediate benefits and substantial savings from the outset.

Additional Benefits

In addition to standard benefits, the MBNA True Line Mastercard stands out by providing a series of additional advantages.

The MBNA True Line Mastercard offers purchase protection, covering damage or theft of goods purchased with the card. This protection adds an extra layer of security to purchased items.

MBNA True Line Mastercard holders also have access to comprehensive travel protection, covering various situations such as medical expenses, trip cancellation, and other unforeseen events. This coverage provides peace of mind during your journeys.

While the card does not adopt a traditional rewards program, cardholders have the opportunity to accumulate loyalty points. 

These points can be redeemed for a variety of diverse rewards, allowing customers to customize their benefits according to their preferences.

These additional advantages solidify the MBNA True Line Mastercard as an attractive option for those seeking not only financial savings but also a complete and secure card usage experience.


The MBNA True Line Mastercard prioritizes the security of cardholders and offers a variety of features to protect their financial information, including:

  • Data Encryption: Credit card data is protected by encryption, ensuring it is inaccessible to unauthorized third parties. This feature is essential for the security of transactions made with the card.
  • Identity Theft Protection: The MBNA True Line Mastercard offers comprehensive protection against identity theft. This includes real-time fraud alerts and 24/7 assistance, ensuring an immediate response to suspicious activities.
  • Purchase Insurance: Purchase insurance provides coverage against damage or theft of goods purchased with the card. This benefit adds an extra layer of security to transactions, ensuring that cardholders can enjoy their purchases with confidence.

These combined features reinforce the reliability and security of the MBNA True Line Mastercard, providing cardholders with a smooth and protected card usage experience.

Get to Know the MBNA Payment Plan

The MBNA True Line Mastercard offers customers the convenience of the MBNA Payment Plan, a flexible option that allows the payment of purchase balances in monthly installments. 

This plan is available for qualified purchases of $100 or more, providing greater financial flexibility to cardholders.

Here are some essential features of the MBNA Payment Plan:

  • Term Options: Cardholders have the choice of three term options for their plan:
  • 6 months: 0% interest rate
  • 12 months: 9.99% interest rate
  • 18 months: 12.99% interest rate

Enrollment in the plan is simple and practical. Cardholders can opt for the Payment Plan by accessing their online account or contacting MBNA customer service.

The minimum payment for the plan is 2% of the plan balance, with a minimum of $25. This provides a clear structure for cardholders to manage their monthly payments.

There is no enrollment fee to join the Payment Plan. It is an integrated card benefit, offering convenience to cardholders.

While the MBNA Payment Plan can be a useful option for those looking to split their balances into installments, it is crucial to carefully consider the interest rates and any additional charges before choosing this option. 

This evaluation will ensure that cardholders make informed financial decisions.

Step-by-Step Guide to Apply for the MBNA True Line Mastercard

If you’re interested in obtaining the MBNA True Line Mastercard and enjoying its benefits, here is a step-by-step guide to help you apply for your card:

  • Visit the MBNA True Line Mastercard website.
  • Check the boxes agreeing to all terms and conditions.
  • Fill out the form with your personal information, ensuring accuracy and completeness.
  • Provide contact information, including phone and email.
  • Include the necessary documents to prove your residence in Canada.
  • Proceed by selecting your employment and indicating your income for credit analysis.
  • Carefully review all information provided.
  • Agreeing to all terms, submit the application to the bank.

Now, you’ve completed your MBNA True Line Mastercard application. Await the bank’s approval to receive your card at home and start enjoying all the benefits offered. 

The process is simple and practical, providing easy access to your card to make your purchases even more advantageous.

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Useful information

This content was produced in January 2024. In case of updates or changes to services and conditions, please contact the responsible bank.

Contact methods:

Call MBNA at 1-888-876-6262