ScotiaLine® VISA* Card

Right for you if:

  • You want high limits and a low rate with no annual fee
  • You want quick access to your line of credit
  • Low Secured and Unsecured Rates
  • No annual fee
  • Very competitive rates
  • Simplify your monthly payments
  • Optional line of credit protection5

At a Glance

$0

Annual Fee

Low rate of prime for the first 12 months†

High Limit with
line of credit protection (optional)

Key Benefits

A VISA credit card with a line of credit that fits in your life and your wallet. Low rate, high limit with cheque access.

ScotiaLine® VISA* card is a leading personal line of credit and no-fee credit card—all in one. It's an innovative personal borrowing tool that combines the high credit limits and low rates of a personal line of credit with the flexibility to use that credit anywhere, anytime!

PLUS:

Purchase security and warranty protection5

Credit limits ranging from $20,000 to $500,000

Rates & Fees

  • Minimum Credit Limit $20,000
  • Interest-Free Grace Period At least 21 days1
  • Annual Fee $02
  • Secured Rate Scotiabank Prime Rate +1%2
  • Unsecured Rates Scotiabank Prime Rate +4.99%2

For current rates and information on fees and interest cost, call 1-888-882-8958.

Interest rates, annual fees and features are effective as of March 1, 2011 and are subject to change without notice. Learn more about VISA card fees and VISA card interest rates.

Special Discounts

VISA Perks
Exclusive VISA card holder discounts available at many popular merchants. Visit visaperks.ca to learn more.

AVIS Car Rentals
Save with discounts of up to 20% at participating AVIS car rental locations worldwide. Simply present your ScotiaLine VISA card at any participating location. Or visit www.AVIS.com or call 1-800-TRY-AVIS (879-2847) and quote the rebate number C030400.

Scotia® VISA Cheques3 & Instant Cash Advances

Use Scotia VISA Cheques to:

  • Transfer balances from gas and retail cards that charge higher interest rates.
  • Pay for a large purchase, insurance premiums, medical bills, or utility bills.

Obtain cash advances at:

  • Over 1 million ABMs around the world displaying the VISA/PLUS symbols.
  • Over 55,000 ABMs displaying the INTERAC symbol in Canada, including Scotiabank ABMs.
  • Or, access yourNo-Fee Scotiabank Value VISA account with your ScotiaCard when you link the two together.

Easy Access

Link your No-Fee Scotiabank Value VISA account to your ScotiaCard® you can use TeleScotia® Telephone Banking and Scotia OnLine® Financial Services for VISA account information.

Ready to Apply

  • Online 3 easy steps, only 5 minutes 100% safe and secure Apply online
  • PhoneCall the Scotiabank VISA Centre 1(800)387-6466 Mon-Fri (8am-6pm)
  • In Person Make an appointment at your local branch Find a local branch
  • Supplementary Cards Order supplementary cards Download Form
  • 1 Not including cash advances, balance transfers and Scotia VISA cheques. Provided that you pay your balance in full by the payment due date. Read More
  • 3 Subject to available credit. Scotia VISA cheques are treated as a cash advance and interest applies from the transaction date until the amount is repaid in full.
  • 5 For all insurance coverage, certain limitations, restrictions and exclusions apply. You will receive a Certificate of Insurance, which contains a full description of coverage. Please read them carefully. All claims for insurance indemnities must be forwarded to the insurers. The Bank of Nova Scotia is not an insurer.
  • 6 Certain restrictions, limitations and exclusions apply. Please visit www.visa.ca for a full description of the VISA Zero Liability Policy.
  • † Subject to credit approval and secured by residential real estate. The interest rate you pay will vary with Scotiabank prime. Scotiabank prime is the prime lending rate of The Bank of Nova Scotia, as published from time to time. Scotiabank prime as of Sept. 9, 2010 was 3.00%. After 12 months, your rate will increase to a rate of Scotiabank prime + 1%.

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