ScotiaLine® for business Visa* Credit Card

Interest rate depends on whether the ScotiaLine for business VISA account is secured or unsecured, subject to approval and the security provided. Rates are effective as of November 3, 2008, subject to change without notice. Learn more about VISA card fees and VISA card interest rates.

Not including cash advance, balance transfers and Scotia VISA Cheques. Provided that you pay your balance in full by the payment due date.

Limits depends on whether the ScotiaLine for business VISA account is secured or unsecured, subject to approval and the security provided. Credit limit up to $150,000 unsecured or $500,000 secured

Under all insurance coverages or services, certain limitations, restrictions and exclusions apply, including a pre-existing condition exclusion for certain benefits. Please see the Certificates of Insurance for full coverage details. Coverages are underwritten by The Manufacturers Life Insurance Company and its wholly owned subsidiary First North American Insurance Company. The Bank of Nova Scotia is not an insurer. All insurance claims must be forwarded to the insurance providers.

Subject to type of security. 

The Visa Spend Clarity for Business service is provided by Visa Canada. The Bank of Nova Scotia and its affiliates are not responsible for the Visa Spend Clarity for Business service.

The Certificate of Insurance provided with your card contains full details of all coverages such as definitions, benefits, limitations, and exclusions. Please read the Certificate of Insurance carefully. Insurance coverage is underwritten by First North American Insurance Company (FNAIC), a wholly owned subsidiary of The Manufacturers Life Insurance Company (Manulife). The Bank of Nova Scotia is not an insurer. All claims for insurance indemnities must be forwarded to the insurer.

Scotia Business Loan Protection is underwritten by The Canada Life Assurance Company: Tel: 1-800-387-2671, www.canadalife.com under a Group Policy issued to the Bank of Nova Scotia. All coverage is subject to the terms and conditions outlined in the Certificate of Insurance which you will receive upon enrollment.

1% of the Comprehensive coverage amount, monthly benefit up to $7,500 for a maximum of 24 months per claim or 48 months maximum per lifetime.

2% of the Comprehensive coverage amount, up to $15,000 paid in one lump sum amount.

To a maximum of $2,000,000.

Registered trademark of The Bank of Nova Scotia.

Visa Int./ Licensed user.

Scene+ and the Icon Design are trademarks of Scene Plus IP Corporation, used under license.

®*               Shell trademarks are owned by Shell Brands International AG. Used under license

Cardholders with a Scene+ membership who link their ScotiaLine® for business Visa* credit card and their Scene+ account to a Shell Go+ Account can get up to 5 cents per litre in instant fuel discounts and Scene+ Points Value when they purchase eligible fuel with their linked credit card:

 

• Instant 3 cents per Litre Discount on Fuel Purchases (All Grades): Receive an instant 3 cents per litre discount on purchases of fuel (all grades) (“Fuel Purchases (All Grades)”) at participating Shell locations in Canada when you use any eligible Scotiabank debit card or credit card linked to a Shell Go+ Account, up to a maximum of 1,000 litres per month per Scotiabank debit card and per Scotiabank credit card account. This total limit resets at the start of each new month per payment card account. This discount is subject to the Scotiabank Fuel Benefit Terms and Conditions.

 

• Scene+ Members earn up to 2 cents per Litre in Scene+ Points Value: As a Scene+ Member, you will automatically earn 1 Scene+ point for each litre in Fuel Purchases (All Grades) when they present or make available their Scene+ account number or Scene+ membership card at the time of purchase. Plus, Scene+ Members who link their Scene+ account to the Shell Go+ app will automatically earn 1 Scene+ points for each litre of V-Power^®* gasoline or V-Power^®* diesel purchased (“Premium Fuel Purchases”). Scene+ Points Value is based on an average redemption value of $10 for every 1000 Scene+ points redeemed on fuel purchases. Actual value may be lower depending on how you choose to redeem your Scene+ points. Earn and redemption limits may apply. See the Scene+ Program Terms and Conditions available at sceneplus.ca/terms-and-conditions for full details including redemption options and additional terms.

 

Note: Highest value of 5 cents per litre assumes a Premium Fuel Purchase made with your ScotiaLine for business Visa Credit Card linked to a Shell Go+ Account. Actual value may be lower depending on whether or not the credit card is linked, fuel grade purchased, cost of fuel at time of purchase, whether or not you are a Scene+ member, and how you choose to redeem your Scene+ points.