Everyone knows how hard it is to handle your finances as a new salary earner or when you need to manage a tight income or budget. You'll need a credit card that doesn't charge high fees and comes without unnecessary perks. 

True Line Mastercard by MBNA is a simple, no-frills credit card that doesn't require a large amount of spending to qualify for rewards. With a variety of ways to earn points, easy access to the True Rewards program, and an excellent customer service team ready to help at any time, this low-cost line of credit is perfect for anyone starting their credit journey.

This article will discuss everything about the card, from its lean features to its low-interest rates. If you’re wondering if this is the right credit card for you and your lifestyle, read on!

About the True Line Credit Card by MBNA

The MBNA True Line Mastercard is a low-interest credit card that targets low and middle-income earners. It comes with the leanest possible credit card features like paying for purchases and services.


A major attraction of the True Line credit card is the $0 annual fee for card and account maintenance. With that feature, MBNA leaves you free to focus on paying for your purchases and growing your credit. 

If you're in the market for a credit card to help you understand how personal credit, borrowing, and credit cards work without paying high fees, consider the True Line Mastercard an option. This article will discuss the lean features and benefits available to True Line credit card holders.

Why Should You Choose the MBNA? 

MBNA is a division of TD Bank and is a top provider of affinity and co-branded credit cards in Canada. Their cards are associated with numerous Canadian membership organizations, including charities, educational organizations, and financial institutions.


Features of the True Line Credit Card 

Once you receive your True Line card, you immediately receive a welcome offer that includes a 0% promotional annual interest rate for 12 months on balance transfers completed within 90 days of account opening. The 90 days begin from the day you receive the card, whether you make any purchases or not.

This low-interest card also has a 12.99% standard interest rate on eligible purchases and balance transfers. Also, customers can add their MBNA card to Apple Pay for a safe, quick, and convenient way to pay online.

When it comes down to making payments, the MBNA makes it more convenient to spend on large purchases and manage your budget by giving you three options -- 6, 12, or 18 months -- for making monthly payments. These options only apply to eligible credit card purchases of $100 or over.


You can add up to nine authorized users with nine supplementary cards at no additional annual fees to you or the users. You can either request the cards while filling out your application form or any time after you've gotten your primary card.

Stay Secure with MBNA Security Measures

The MBNA True Line Mastercard keeps you and your finances safe by setting security measures. One of these measures is the contactless card feature that allows you to tap your card at participating merchants, letting you keep your card in your hand at all times.

Secondly, you get the Mastercard Zero Liability promise. That means you will not be held responsible if you ever fall victim to a fraudulent, unauthorized purchase in a store, over the phone, online, or at the ATM.

Lastly, your card comes with a card verification code (CVC) on the signature strip at the back of the card and is also chip and PIN (4-digit number only you know) enabled. Both features help verify that you're the one making the purchase.

How Do You Order the MBNA True Line Mastercard?

Before applying for the card, you'll need to know what it can do for you and if you're eligible. Once you've confirmed your eligibility and agree with the credit card benefits, proceed to the True Line application form.

The first page of the credit card shows you the terms and conditions, including fees and everything you need to know before proceeding. Ensure you read it to the end, as it's the most crucial part of your application.

After that, accurately fill in all required information. Aside from your personal information including your Social Insurance Number, you'll need provide financial information and employment information. 

After submitting, it takes as little as two minutes to get a response from the system.

Adding an Authorized User

Who wouldn't want superb service and features for less? So instead of your spouse getting another credit card with another set of fees, why not add them as an authorized user and give them a supplementary card?

All charges from the supplementary card are the same as the original card and charged to your primary card. Therefore, a great way to put this opportunity to use is by dedicating your primary card and the supplementary card to household purchases.

The downside is if you give the card to someone who isn't financially savvy yet, they may see the supplementary card as a blank check to spend on costly purchases. If you can't afford payments and they don't have an income that could support the card, it might jeopardize your credit rating with the bureau.

Also read: RBC Avion Visa Credit Card – How to Order the Visa Infinite Online

True Line Credit Card Fees and Interest Rates

Although the MBNA True Line credit card is affordable, you'll still have to pay fees and interest rates for the services you receive and purchases you make.

These are the interest rates of the bank for this card:

  • Purchases - 12.99%
  • Balance transfers - 12.99% and 0% promotional rate for balances made within the first 90 days of account opening
  • Cash Advance interest (including cash-like transactions): 24.99%
  • Transaction fee - 2.5% (after currency conversion)
  • Refunds or credits - 2.5% (after currency conversion)
  • Annual fee - $0
  • Returned payment fee - $20
  • Extra copy of account statement or sales draft - $2.50
  • Overlimit fee - $29
  • Cash advance fee - 1% of amount (or $7.50 if less than $7.50)

Eligibility Criteria

To apply for this Canadian credit card, you must first meet the eligibility criteria. An eligible True Line credit card applicant must be the age of majority in their Canadian province or territory of residence.

Lastly, you must be a full resident of Canada and have employment with a consistent salary. You'll have to present your full Canadian address and employment information when filling out your application.

Additional Benefits of Using the MBNA True Line Credit Card

The low fees and interest rates on the True Line credit card make it a prime financial product for new earners and low or middle-income earners. As you don't have to worry about high fees or luxury benefits, you'll find it easier to manage your finances early with this low-cost card rather than starting with a high-interest credit card. 

Another benefit you get by owning the card is the ability to save money when renting a car with Avis or Budget. Using your MBNA credit card, you'll save 10% minimum in Canada and the US on qualifying car rentals at participating Budget and Avis locations.

Also, whether your card is lost or stolen, the MBNA emergency service kicks in with an emergency replacement card. You'll receive it within 7 to 10 days by courier or delivery.

The MBNA Mobile App

The bank offers the MBNA Canada mobile app to help account holders efficiently manage their cards and accounts from their phones.

On the app, you can track minimum payments, check your current balance, track your credit limit and transaction history, and access your statements.

The MBNA Mobile app is available to download from the Google Play Store and the Apple App Store.

How Can You Contact MBNA?

For basic inquiries, to get help with your account, or report a lost or stolen credit card, call customer service at 1-888-876-6262.

Customers with hearing impairments can call 1-800-872-5758, and those outside Canada can call 1-613-907-3505 (call collect). If you need clarification about your bills, complete the form on the back of your statement and mail it to MBNA Account Billing Inquiries, P.O. Box 9614, Ottawa, ON K1G 6E6.

Their physical office address is 1600 James Naismith Dr, Gloucester, ON K1B 5R3.

What Next? 

You've successfully applied for and received your True Line credit card, so what next? Your card is still inactive, so you need to activate your card by visiting the online banking platform to activate it.

For current MBNA customers, sign in to your online banking account and go to My Account or Account Services. You'll find an option to activate your new credit card for use.

If you're a new customer without an online banking account, you must enroll in online banking before activating your card. After which, follow the prompt above for current customers and activate the card. If you need some help, call 1-888-876-6262.


Whether you're just starting your credit journey or are more comfortable with a low-fee, lean-feature credit card, the True Line Mastercard from MBNA has what you need. With this card, you'll forget about annual fees and focus on making only the necessary purchases while staying within your budget.

Note: Consider the risks involved in using credit products before applying by consulting the issuing institution’s terms and conditions.