Exploring the MBNA True Line Mastercard: Features and Benefits


The MBNA True Line credit card is a popular option for those looking for a card with no annual fees and competitive interest rates. This Mastercard credit card is known for its promotional offer of 0% annual interest rate for 12 months on balance transfers made within 90 days of account opening.

In addition to the attractive balance transfer offer, MBNA True Line features a 12.99% annual interest rate for purchases, making it a viable option for those looking to manage their expenses and debts efficiently. Recommended for individuals with a credit score of 660 or higher, this card offers ease of approval and does not require a minimum income to obtain.


Among the various credit card options available on the market, MBNA True Line stands out as an excellent choice for those who want a card with low interest rates and attractive benefits for balance transfers. With an attitude that prioritizes responsible financial management, this card can be the perfect ally on the journey to achieving financial health.

Discover the MBNA True Line card

The MBNA True Line Mastercard Card is suitable for those who want to take advantage of a lower purchase interest rate without sacrificing the basic features and security offered by a large financial institution. The main reason to choose this card is its competitive 12.99% interest rate, which is significantly lower than the typical 19.99% interest rate charged by most credit cards.

MBNA True Line

This card has an interesting feature called MBNA Payment Plan. With it, users can split eligible purchases worth $100 or more into monthly payments. You can choose between three term options: 6, 12 or 18 months. However, it is worth remembering that additional fees and conditions apply.

In summary, the MBNA True Line Card is an interesting option for those looking for lower interest rates and facilities for paying in installments for purchases. Always remember to analyze the applicable conditions and rates before purchasing a credit card, thus ensuring a well-founded decision that suits your financial profile.

Benefits of the MBNA True Line card

The MBNA True Line card offers several noteworthy benefits. Here’s a list emphasizing its key advantages:

  • Low interest rates: The MBNA True Line card is known for its competitive interest rates, which can be significantly lower than those of many other credit cards. This is especially beneficial for individuals who carry a balance on their card.
  • No annual fee: This card does not charge an annual fee, making it an affordable choice for consumers who are looking for a cost-effective credit card option.
  • Balance transfer promotions: MBNA often offers promotional interest rates for balance transfers. This feature can be incredibly advantageous for individuals looking to consolidate debt and save on interest charges.
  • Fraud protection: The card comes with advanced security features, including fraud protection, which ensures that cardholders are not held responsible for unauthorized transactions.
  • Wide acceptance: As a Mastercard product, the MBNA True Line card is accepted worldwide, offering convenience for both domestic and international transactions.
  • Flexible credit limits: The card offers flexible credit limits, suited to meet the financial needs and creditworthiness of different individuals.
  • Online account management: Cardholders have access to online account management, making it easy to check balances, view transactions, and make payments at any time.
  • Customer support: MBNA provides strong customer service support to address queries and resolve issues related to the card.
  • Additional perks: Depending on the specific True Line card variant, there might be additional perks like travel insurance, extended warranty, and purchase protection.
  • Credit building: Responsible use of the MBNA True Line card can help in building or improving credit scores, which is crucial for future financial dealings.

Remember, while these benefits are significant, it’s important to use credit cards responsibly to avoid debt accumulation and potential financial strain.

Who can apply for the MBNA True Line credit card?

The MBNA True Line credit card is aimed at people who want a card with low interest rates and who are also looking for the possibility of transferring their balance from other cards. To qualify, the applicant must be a resident of Canada (except Quebec) and have reached the age of majority in their province or territory. Additionally, the applicant must meet the following requirements:

  • Have a good credit history;
  • Comply with the conditions and fees applicable to the card;
  • Be willing to provide additional information for the financial institution’s credit analysis.

Does the MBNA True Line card have a free annual fee?

The MBNA True Line is a credit card with no annual fee in Canada. It offers unlimited cash back rewards on all purchases with 1% cash back. The card also offers access to MBNA’s Travel Rewards rewards program, which offers points that can be redeemed for flights, hotels and other rewards.

Does MBNA True Line have an app?

The MBNA True Line app is available for iOS and Android devices. It allows cardholders to access their credit card accounts from anywhere. The app offers a variety of features, including:

  • Transaction View
  • Balance check
  • Payment of invoices
  • Credit limit increase request
  • Travel insurance management
  • Activating Apple Pay or Google Pay

The MBNA True Line app is a convenient tool for cardholders who want to manage their credit card accounts on the go.

What are the fees and interest on the MBNA True Line card?

The MBNA True Line credit card is a popular option among consumers, mainly due to its competitive interest rates and the benefits it offers. In this section, we will cover the main fees and interest rates associated with this credit card.

Standard Interest Rate: MBNA True Line has a standard interest rate of 12.99% for purchases and balance transfers. Additionally, during a promotional welcome offer, users can get a promotional 0% annual interest rate for 12 months for balance transfers made within 90 days of account opening.

MBNA True Line Gold Interest Rate: This card has an annual fee of $39 and a lower interest rate for purchases of 8.99%. The 4% difference can bring savings to users who prefer a card with lower interest rates on purchases.

Foreign Transaction Fee: When transacting internationally, the MBNA True Line Gold Mastercard charges a 2.5% foreign transaction fee. This can be considered expensive, especially for those who use the card for travel expenses.

Annual fee: One of the main attractions of MBNA True Line is the lack of an annual fee. However, it is worth noting that the Gold version of the card has an annual fee of $39.

Other fees: If the user decides to make cash advances, they should be aware that there will be an introductory rate of 0% for the first 6 months and, after that period, a rate of 12.99% per year.

In summary, MBNA True Line offers competitive interest rates and attractive benefits for its users. However, it is essential to analyze additional fees, such as those for international transactions and the possible annual fee for the Gold version, before deciding on the best option for each consumer profile.

How to unlock the MBNA True Line card?

When you receive your MBNA True Line Credit Card, the next step is to unlock it to start making purchases and taking advantage of the card’s benefits. Follow the steps below to unlock your card easily and safely:

  1. Access the MBNA online platform: Access the official MBNA Canada website (or the application available for Android and iOS) and log in to your account. If you don’t already have an account, you must sign up on the website or app.
  2. Find the card unlock option: On your account dashboard, look for options related to card management or profile, where you can usually find the option to unlock your MBNA True Line.
  3. Enter requested information: When selecting the unlock option, you may be asked to enter some personal information such as card number, passwords and date of birth.
  4. Confirm unlocking: Follow the instructions provided by the MBNA platform and confirm the unlocking of your card. After successful confirmation, your card will be ready for use.

It is important to remember that different institutions may have different unlocking processes. If you have any problems with unlocking or cannot find the mentioned options, please contact MBNA customer service center directly. Furthermore, always keep your data and passwords protected. Avoid sharing them with third parties and try to create unique and strong passwords to ensure the security of your financial information.

How do I request a duplicate of the MBNA True Line card?

To request a duplicate MBNA True Line card, follow the steps below. It is worth remembering that it is important to keep personal information up to date and on hand to ensure a successful duplicate request.

  • Access the official MBNA website: Visit the official MBNA Canada website to start the process. MBNA’s website is www.mbna.ca.
  • Log in to your account: Click on the “Login” option in the top right corner of the home page and enter your login credentials. If you do not yet have an account on the portal, you must register by following the instructions on the website.
  • Access the card management section: After logging in, go to the section that allows you to manage your MBNA True Line credit card. This section usually displays details such as balance, transaction history, and other card-related information.
  • Request a duplicate card: Look for the option to request a duplicate card within your credit card management section. Follow the steps indicated, provide the requested information and confirm the request. The institution may ask to verify personal and identifying information at this time.
  • Wait for delivery: After requesting a duplicate of the MBNA True Line card, wait for the period stipulated by the financial institution to receive it at your registered address. This period may vary depending on the location and delivery method chosen.

Remember that, if you are unable to make the request via the website, you can contact the MBNA customer service center for assistance. Furthermore, if you believe that the card has been lost, stolen or cloned, inform the financial institution immediately so that the necessary measures can be taken.

How do I get in touch about the MBNA True Line card?

To obtain more information about the card or to contact customer service, you can use the following means:

  • Phone: 1-800-662-6262;
  • Live chat: You can use live chat on the MBNA website to contact customer service;
  • App: The MBNA True Line app is available for iOS and Android devices. You can use the app to view your transactions, check your balance, pay your bill, and more. The app also offers a live chat feature that you can use to contact customer service.

Customer service is also available 24/7 via the contact form on the MBNA website.

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