How you earn
- 5% cashback on grocery purchases
- 4% cashback on recurring bill payments
- 3% cashback on gas purchases
- 1% cashback on all other purchases
- Earn boosted cashback offers at over 10,000 Neo partner merchants across Canada
Neo Financial
Neo World Elite Mastercard
Full earn rates, fees and benefits for the Neo World Elite Mastercard.
- Annual fee
- $149
- Reward type
- Cash Back
- Income required
- $80,000
- Typical credit · 725+
personal · or $150,000 household
🚀 Premium CashbackBuilt-in perks & coverage
Purchase Protection Insurance
Coverage against theft or accidental damage on eligible purchases, plus extended warranty protection.
Extended Warranty
Extends the manufacturer's original warranty on eligible purchases.
Mastercard Travel Benefits
Includes premium Mastercard travel benefits and complimentary lounge access membership.
Instant Virtual Card
Start using your card immediately before the physical card arrives.
Mastercard Zero Liability
Protection against unauthorized transactions made with your card.
Real-Time Alerts
Receive instant notifications whenever your card is used.
Advanced Fraud Monitoring
AI-powered fraud monitoring helps detect unusual account activity while protecting your personal information.
Card Management Tools
Freeze your card, view your PIN, track spending, and manage your account through the Neo app.
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Free Neo Membership
Includes a complimentary Neo membership with access to premium features, credit tools, and enhanced savings benefits.
Additional Cardholder
Add an additional cardholder to share account access with a partner or family member.
Auto-Pay
Set up automatic payments to help avoid missed due dates.
The verdict
What we like
- High cashback rates on everyday spending
- Premium travel and purchase protection benefits
- Free Neo membership included
Worth noting
- $149 annual fee
- High income requirement
- 2.5% foreign transaction fee
Issuer terms apply. ClearFin is not affiliated with this provider. How we make money.