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Mr. Loonie
Air France KLM World Elite MasterCard®

Air France KLM World Elite MasterCard®

Best for: Travellers who fly Air France or KLM and want Flying Blue miles on dining

Your spending a month
What’s in each?
Light:
Groceries $400, restaurants $100, gas $100, recurring bills $100, everything else (base rate) $250, foreign currency $50
Typical:
Groceries $800, restaurants $250, gas $250, recurring bills $250, travel $150, everything else (base rate) $650, foreign currency $150
Big:
Groceries $1,200, restaurants $500, gas $400, recurring bills $400, travel $500, everything else (base rate) $1,600, foreign currency $400
Yours:
Your own amounts, saved on this device only
Year one
$687
Every year after
$555

Ranked #53 of 176 for year one. See the list

See how we worked it out
Annual fee
$0 first year
Then $132 a year
Apply now on Brim’s site (opens in a new tab)
Needs $80,000 personal income
We may get paid if you apply through this link. It never changes our score.

Have this card?

Details from Brim’s site. Banks can update terms at any time, so give them a quick look before you apply. Source

Is it for me? What you’d earn Can I get it? Fees Similar cards
3 quick questions

Is it for me?

Do you spend $300 or more a month on restaurants?

Is your personal income $80,000 or more?

Do you pay your card off in full most months?

Answer the 3 questions to see if it fits.

From the numbers

The good and the bad

Stands out

  • Good: 2 points per $1 on restaurants At our value for these points, that’s about 3.8% back.
  • Good: No fee in the first year Then $132 a year.

Watch for

  • Watch for: $132 a year from year two You need about $300 a month on restaurants to earn it back.
  • Watch for: 2.5% on foreign purchases Use a no foreign fee card when you travel.

Worked out from the card’s rates and fees.

Show your work

What you’d earn

With typical spending of $2,500 a month.

Flying Blue miles valued at 1.9¢ each.

  • Groceries $182
    1 point per $1 · 1.9% back $800 a month · 9,600 Flying Blue miles a year
  • Restaurants $114
    2 points per $1 · 3.8% back $250 a month · 6,000 Flying Blue miles a year
  • Gas $57
    1 point per $1 · 1.9% back $250 a month · 3,000 Flying Blue miles a year
  • Recurring bills $57
    1 point per $1 · 1.9% back $250 a month · 3,000 Flying Blue miles a year
  • Travel $34
    1 point per $1 · 1.9% back $150 a month · 1,800 Flying Blue miles a year
  • Everything else $148
    1 point per $1 · 1.9% back $650 a month · 7,800 Flying Blue miles a year
  • Foreign currency $34
    1 point per $1 · 1.9% back $150 a month · 1,800 Flying Blue miles a year
For you Year one Later years
Points you earn33,000 Flying Blue miles a year, at 1.9¢ each $627 $627
Annual fee $0 −$132
Foreign currency fee2.5% on $1,800 a year −$45 −$45
Rental car damage cover1 rental of 3 days at $35 a day $105 $105
Total $687 $555

Rows are rounded to the dollar. Insurance counts at what the same cover costs on its own, and only pays when you charge the trip, rental or phone to the card.

What counts in each category
Restaurants
2 points per $1
Everything else (base rate)
1 point per $1
  • Get up to 30 miles per $1 spent at Merchant Partners
  • Get 30XP on your card anniversary renewal
How Flying Blue miles work, and why 1.9¢

We count Flying Blue miles at 1.9¢ each, a typical value when you use them well. Depending on how you use them, they’re usually worth 1.2¢ to 2.2¢.

We set one value per points program and use it on every card in that program, so you can compare points cards and cash back cards on the same scale.

These are example budgets to compare cards side by side, not averages. Your own spending will give a different number.

Checked on Nov 8, 2026. Source

Before you apply

Can I get it?

  • Age 18 or older 19 or older in BC, NB, NL, NS and the territories
  • Where you live Canada
  • Personal income $80,000 or more Issuer says
  • Credit score No minimum on record Most banks don’t publish one, and we don’t guess.

Mr. Loonie’s tip Each application shows up on your credit file. Leave a few months between card applications.

What critics say

Other reviewers on this card

  • Money We Have (opens in a new tab) Dec 2023

    “While this may have been a big blow to major banks in Canada, it’s a massive win for consumers as it’s another card you have access to that allows you to travel to Europe and beyond for cheap. While the benefits are clear, this card does lack KLM and Air France-specific benefits, such as free checked bags. In addition, even though KLM and Air France have decent coverage in Canada, Air Canada offers even more routes.”

  • Rewards Canada (opens in a new tab) Feb 2023

    “If you are someone who flies with Air France or KLM on a regular basis this card should be in your wallet. The extra 5 miles per Euro alone are worth it to have the card even if you purchase those flights on another card. The extra XP the card offers every year is nice way for those Air France KLM flyer to reach status sooner. Overall, you have a card here that fits nicely fits a niche space in Canadian market and that's for those who like to fly with Air France and KLM or across the Atlantic frequently.”

What cardholders say

Ratings from people with this card

No ratings yet. If you have this card, tell others what it’s like.

Applied and weren’t approved?

Insurance and perks

What comes with it

  • Car rental damage Included
  • Purchase protection Included
  • Travel accident Included
  • Free Global Wi-Fi
  • Out of Province/Country Emergency Medical Insurance
  • Trip Cancellation Insurance
  • Trip Interruption Insurance
  • Flight Delay Insurance
  • Baggage Delay Insurance
  • Lost or Stolen Baggage Insurance
  • Hotel Burglary Insurance
  • Mobile Device Insurance
  • Event Ticket Protector Insurance
  • Buyer’s Assurance Protection Plan
  • Mobile wallets Apple Pay, Google Pay, Samsung Pay
Coverage limits

We haven’t recorded the coverage limits for this card yet. Read Brim’s insurance certificate before you count on any coverage.

Not included

Not listed for this card: travel medical, trip cancellation, trip interruption, flight delay, lost baggage, extended warranty and mobile device.

Fees and interest

What it costs

Annual fee
$0 first year Then $132 a year
Purchase interest
19.99%
Cash advance interest
24.99%
Foreign currency fee
2.5%
All fees and rates

Fees

Extra cards
$50
Fee waivers
First year: $132 off (Waived on the first year)
Cash advance fee
$3.50, $5 if outside of Canada
Over-limit fee
$29
Late payment fee
None
Source
Issuer page

Interest rates

Balance transfer interest
24.99%

Read the card terms and conditions for the full terms.

Checked on Nov 8, 2026. Source

Before you decide

Similar cards for the same spending

With typical spending. This card: $687 year one, $555 every year after.

See all cards ranked for your spending

Some of these links pay us when you apply, at no extra cost to you. Most don’t, and pay never changes our score. How we make money

Common questions

Questions people ask

What is the annual fee on the Air France KLM World Elite MasterCard®?

$0 the first year, then $132 a year. Each extra card costs $50.

What income do I need?

Brim asks for $80,000 in personal income.

Does it charge a foreign transaction fee?

Yes, 2.5% on purchases in other currencies.

What is the interest rate?

19.99% on purchases. Cash advances are 24.99%.

Does it include insurance?

It lists purchase protection, out of province/country emergency medical insurance, trip cancellation insurance and trip interruption insurance. Read the insurance certificate for the limits.

Rates, fees and offers come from the card issuers and change often. We work to keep this page accurate and current, but it may contain mistakes, so always check the issuer’s terms before you apply. This page is general information and isn’t financial advice.

Spot something wrong? We’ll check it with the bank. Suggest a correction

Card names, logos and trademarks belong to their owners. No issuer wrote, paid for or approved what we say about this card. Our scores and opinions are our own.

Mr. Loonie is independent and supported by affiliate links. We may earn a commission when you apply through some links, at no cost to you. How we make money

$687
year one for you
Apply now on Brim’s site (opens in a new tab)
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