Scotia Momentum® VISA Infinite* card

Right for you if:

  • Maximum Cash Back The Scotia Momentum VISA Infinite card rewards you on your everyday spending with the most cash back of all our credit cards.
    • A full 4% cash back on all eligible gas station and grocery store purchases1
    • A full 2% cash back on eligible drug store purchases and recurring bill payments1
    • A full 1% cash back on all other eligible purchases1
  • ConvenientWith Visa payWave™ simply wave your card and go!
  • Fee and Interest Rate Changes
    Effective September 1, 2013

At a Glance

4%

Earned on eligible gas station and grocery store purchases1

2%

Earned on eligible drug store purchases and recurring bills1

1%

Earned on all other eligible purchases1

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Key Benefits

  • Access to exclusive offers through scotiainfinite.com.
  • VISA Infinite complimentary concierge service available 7 days a week, 24 hours a day
  • Access to VISA Infinite Luxury Hotel Collection
  • VISA Infinite Dining Series with dining experiences in some of Canada's top restaurants
  • Special access to unique offers and experiences
  • For complete details, see VISA Infinite™ Enhancements

PLUS:

Here's a list of popular merchants (34 kb) who may qualify for 4% and 2% cash back.

See the Scotia Momentum VISA Infinite Cash Back Program Terms and Conditions (43 kb) for complete details.

Calculate your Cash Back

Rates & Fees

  • Minimum Credit Limit: $5,000
  • Grace Period: Interest free at least 21 days2
  • Annual Fee:
    Primary Card Holder: $997
    Supplementary Card Holder: $30
  • Interest Rate:
    • 19.99% on purchases
    • 21.99% on cash advances, balance transfers

Minimum Annual Income Required:

$60,000 annual personal income, $100,000 annual household income.

Interest rates, annual fees and features are effective as of July 18, 2011 and are subject to change without notice. Learn more about VISA card fees and VISA card interest rates.

Fee and Interest Rate Changes
Effective September 1, 2013

Special Discounts

AVIS Car Rentals
Save with discounts of up to 20% at participating AVIS car rental locations worldwide. Simply present your Scotia Momentum VISA Infinite 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® Credit Card Cheques4

Use Scotia Credit Card 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 your Scotia Momentum VISA Infinite account with your ScotiaCard debit card when you link the two together.

Easy Access

Access to your Scotia Momentum VISA Infinite account through electronic banking when you link your Scotia Momentum VISA Infinite account to your ScotiaCard® debit card. You can use TeleScotia® Telephone Banking and Scotia OnLine® Financial Services for VISA account information.

Visa payWave™

Save time when paying for small, everyday purchases with Visa payWave. Simply wave your card over the card reader and go!5

Scotia Credit Card Protection (optional)7

With one simple application, you can have financial protection from a range of life events: Disability, Job Loss, Strike or Lockout, Critical Illness or loss of Life. A monthly benefit equal to 5%† of your outstanding credit card account balance can be paid to your credit card account if you are unable to work, which can help pay down your balance faster. In the event of a diagnosis of a covered Critical Illness++, or if you pass away, your outstanding credit card account balance can be paid in full, up to a maximum of $20,000.

This comprehensive coverage is available at a monthly premium rate of only $0.95 per $100 of average daily balance on your credit card account (plus any applicable sales tax). The affordable cost includes benefits for a Co-Borrower at no additional charge. The premium is conveniently charged to your credit card account to help ensure your coverage stays in place.

Approval is fast – contact us for details if you are a resident of Canada, and are at least 18 and under 65 years of age.

View more information or simply call 1-855-753-4272 between 8am and 8pm (EST) Monday to Friday and a Customer Service Representative will be pleased to assist you.


† 5% of outstanding balance up to 24 months
++ The maximum benefit payable is $20,000

VISA Infinite™ Enhancements

The Scotia Momentum VISA Infinite card offers a unique program of premium enhancements that tap into your lifestyle needs. Features include VISA Infinite Complimentary Concierge, the Luxury Hotel Collection and a dedicated VISA Infinite website to help you easily track your cash back rewards and access all of the benefits, offers and services available to you.
VISA Infinite Enhancements are synonymous with best in class offers and experiences, access to the inaccessible, and helping people go where, when and how they want.
These enhancements are only available to VISA Infinite cardholders and include the following:

Complimentary Concierge

Save time and make your life easier with quality cross-border services through a network of experts. Just call anytime, 7 days a week, 24 hours a day. Your VISA Infinite complimentary concierge service can help you with almost any request, from planning activities to making restaurant reservations, and helping you select the perfect gift.
Cardholders are responsible for the cost of any goods or services purchased through VISA Infinite Complimentary Concierge service.

Luxury Hotel Collection

Enjoy access to the VISA Infinite Luxury Hotel Collection a hand-selected portfolio of over 800* of the world's most intriguing and prestigious properties, chosen expressly for VISA Infinite cardholders. You'll Enjoy a distinctive and unique collection of benefits for an unparalleled experience at any of the portfolio properties when you book through the VISA Infinite Luxury Hotel Collection.
The number of properties that are part of the program will change over time. Offers are subject to availability and other restrictions may apply.

Dining Series

As a VISA Infinite cardholder you have exclusive access to gourmet events catered to your discerning tastes. Through the VISA Infinite Dining Series, you can dine with some of the biggest names in the food and wine industry in a private, sophisticated setting. Each event will include a sparkling wine reception with hors d'oeuvres, a multi-course meal with wine pairings, and the opportunity to meet the host chef.

Unique Offers and Experiences

You're invited to enjoy special offers╪ and unique opportunities that have been created exclusively for VISA Infinite cardholders. Consider indulgences like spa pampering, romantic surprises or personal winery tours and tastings. Each experience is designed with you in mind.

For details, and to check out the current exclusive card holder offer, visit scotiainfinite.com.

Ready to Apply

  • Online 3 easy steps, only 5 minutes 100% safe and secure Apply online
  • PhoneCall the Scotiabank Credit Card Centre 1(800)747-3208 Mon-Fri (9am-8pm EST)
  • In Person Make an appointment at your local branch Find a local branch
  • Supplementary Cards Order supplementary cards Download Form
  • 1 You will earn 4% cash back on the first $25,000 you spend annually at gas stations and grocery stores. 4% cash back applies at merchants which are classified in the Visa Inc. (VISA) network as Grocery Stores & Supermarkets, Service Stations (with or without ancillary services), and Automated Fuel Dispensers (Merchant Codes: 5411, 5541 & 5542). Some merchants may sell these products/services or are separate merchants who are located on the premises of these merchants, but are classified by VISA in another manner, in which case this added benefit would not apply.
    You will earn 2% cash back on the first $25,000 you spend annually on recurring payments and drug store purchases. 2% cash back applies at merchants which are classified in the VISA network as Drug Stores & Pharmacies (Merchant Code: 5912) and Recurring Payments. Recurring payments are defined as payments made on a monthly or regular basis automatically billed by the merchant to your Scotia Momentum VISA Infinite card. Recurring payments are typically telecommunication, insurance, membership, subscriptions etc. purchases. Not all merchants offer recurring payments. (Please check with your merchant to see if they offer recurring payments on VISA cards.) Some merchants may sell these products/services or are separate merchants who are located on the premises of these merchants, but are classified by VISA in another manner, in which case this added benefit would not apply.
    You will earn 1% cash back on purchases made after you have reached the 4% and 2% $25,000 annual spend maximum ("overflow") and on all other eligible purchases made with the card. Purchase returns, payments, cash advances, Scotia® Credit Card Cheques, credit vouchers, card fees, interest charges or service/transaction charges do not qualify for Scotia Momentum cash back. Read More
  • 2 Not including cash advances, balance transfers and Scotia Credit Card cheques. Provided that you pay your balance in full by the payment due date.
  • 3 For all insurance coverages, certain limitations, restrictions and exclusions apply. You will receive Certificates of Insurance, which contain a full description of coverage, when you're approved for the card. Please read them carefully. All claims for insurance indemnities must be forwarded to the insurers. The Bank of Nova Scotia is not the insurer.
  • 4 Subject to available credit. Scotia Credit Card Cheques are treated as a cash advance and interest applies from the transaction date until the amount is repaid in full.
  • 5 All Scotiabank retail credit cards, except ScotiaLine VISA card, Scotiabank Value VISA card, and No-Fee Scotiabank Value VISA card, will have Visa payWave when issued or reissued. Visa payWave™ is a Trademark of Visa Int./Lic.
  • 6 Certain restrictions, limitations and exclusions apply. Please visit www.visa.ca for a full description of the VISA Zero Liability Policy or the section in our Revolving Credit Agreement that refers to "unauthorized use of your card" for more details.
  • 7 For all insurance coverages, certain limitations, restrictions and exclusions apply. Travel Emergency Medical Insurance and Trip Cancellation/Trip Interruption Insurance are only available to customers under the age of 65. You will receive Certificates of Insurance, which contain a full description of coverage, when you're approved for the card. Please read them carefully. All claims for insurance indemnities must be forwarded to the insurers. The Bank of Nova Scotia is not the insurer.
  • ╪ Offers are subject to availability and other restrictions may apply.
  • TM Trademark of Visa International. Used under license.
  • † The introductory 0.99% interest rate is applicable on cash advances, balance transfers and Scotia® Credit Card cheques only. This rate takes effect when the account is opened and will then continue for six months from that date. During the promotional period, the regular interest rate applies to purchases. After the promotional period, the rate for your balances that were at 0.99% will increase to the regular interest rate. The balance transfer fee (that is regularly 1% of the balance transfer amount) is waived for this offer. Offer applies to new accounts opened by August 31, 2013 subject to credit approval. Rates and fees are subject to change without notice.

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