ScotiaGold Passport® VISA* card

Right for you if:

  • You want outstanding travel benefits.
  • You want to travel anytime, anywhere, without restrictions.
  • Earn Scotia Rewards Points

    One point for every $1 you spend.1

  • Travel anywhere, any time with no restrictions
  • Earn 30,000 Scotia Rewards bonus points†

    Worth $300 in travel

  • Comprehensive Travel Insurance2
  • 5% cash back3

    On travel purchased through Scotia Rewards Travel Service6

  • ConvenientWith Visa payWave™ simply wave your card and go!

  • Wave to pay with your Scotiabank Visa card and you could win a free Mini Cooper S.  Learn more

At a Glance

30,000

Earn Bonus Scotia Rewards Points

$99

Introductory Annual Fee†

Where will your card take you? Calculate & See

Exclusive Travel Services

Book online or enjoy exclusive toll-free access to the Scotia Rewards Travel Service a full-service travel agency, with access to online travel sites, tour operators, cruise lines and more!

Book with the Scotia Rewards Travel Service and you'll enjoy:

  • A 5% Cash Back on airline tickets, pre-package tours, and cruises3
  • The flexibility of using 'Points only' or 'Points plus ScotiaGold Passport VISA card purchase1
  • Access to exclusive travel opportunities and 'last second' deals at low rates
  • Very competitive prices and no booking fees!

For a look at some of the travel experiences available visit www.scotiarewards.com.

Calculate Your Travel Rewards

Travel Emergency Medical Insurance (under age 65)2

Travel by any means out of your province of residence and receive automatic 31-day coverage. Coverage includes expenses for hospital care, nursing care, prescription drugs, licensed ambulances and physician's and surgeon's fees as well as other eligible medical services and supplies. Coverage extends to your spouse (under age 65) and your eligible dependent children.

Travelling for more than 31 days, but not more than 45 days, no problem! Additional medical coverage is available for purchase through Scotia Assist by calling 1-800-263-0997 or collect at 416-977-1552.

Comprehensive Travel Protection & Savings2

View Detailed Descriptions

  • Automatic Travel Emergency Medical Insurance at no extra cost
  • Trip Cancellation/Interruption Insurance at no extra cost
  • Common Carrier Travel Accident Insurance
  • Purchase Security & Extended Warranty Insurance
  • Rental Car Collision Insurance
  • Lost Luggage and Delayed Luggage Insurance
  • Hotel/Motel Burglary Insurance
  • Commission-free Travellers Cheques5

Potential Cost Savings

Use your ScotiaGold Passport VISA card to book a two-week vacation and you could:

  • SAVE $76Travel Emergency Medical Insurance - for trips of 31 days or less only. Cardmembers who travel for more than 31 days, but less than 45 days, must purchase top-up coverage prior to leaving their province of residence by calling Scotia Assist at 1-800-263-0997. (Based on premiums for a two-week trip for two adults under 65)2
  • SAVE $210Rental Car Collision Insurance (two week rental)2
  • SAVE $150 Trip Cancellation/Interruption Insurance based on a vacation package of $2,500 for two adults (under 65)2
  • SAVE $30Common Carrier Travel Accident Insurance2
  • SAVE $1255% Cash Back (on a $2,500 vacation package for two booked with the Scotia Rewards Travel Service)3
  • SAVE $25Commission-free regular American Express Travellers Cheques5 (based on $2,000)

Total Saved $616

Rental Car Discounts

Save with discounts of up to 20% at participating AVIS car rental locations worldwide. Simply present your ScotiaGold Passport 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.


Concierge Services

The Scotia Rewards Concierge Service7 gives ScotiaGold Passport VISA Card members free access to a worldwide network of specialists that can help you take care of your to-do list. Call 1-800-665-2582 (select option 4) in North America or call collect at (905) 696-5088 (outside of Canada & the U.S.) 24/7 to get assistance with things like:

  • Obtaining much sought-after sporting or event tickets
  • Making restaurant recommendations and reservations
  • Arranging a floral delivery
  • Booking private ski or tennis lessons
  • Coordinating a household service provider And much more!

Rates & Fees

  • Minimum Credit Limit $5,000
  • Interest-Free Grace Period At least 21 days4
  • Annual Fee $110
    • $65 applies to Cardmembers 65 years of age or older1.
    • $55 if account is secured under a Scotia Total Equity® Plan ($32.50 for Cardmembers 65 years of age or greater).
  • Interest Rate
    • 19.99% on purchases
    • 21.99% on cash advances, balance transfers and Scotia® VISA cheques
Primary Card Holder Annual Fee
$110 Annual Fee
$65 Applies to Cardmembers 65 years of age or older.
$55 If account is secured under a Scotia Total Equity® Plan
($32.50 for Cardmembers 65 years of age or greater).
Supplementary Cards Annual Fee
$30 Annual Fee
$15 If primary Cardmember is 65 years of age or older.
$15 If account is part of a Scotia Total Equity Plan. Order now (59 Kb)

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 ScotiaGold Passport 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.

FREE Card Registry Service

As a ScotiaGold Passport VISA Card member, you can register your credit and debit cards, as well as important documents (e.g., passports, insurance policies, driver's licenses) for you and any family members in your household. In the event of loss or theft, just one phone call from anywhere in the world and we'll place an urgent stop notice on all missing cards and we'll begin the card replacement process.

There's no limit to the number of cards or important documents you can register. We're available 24 hours a day, 365 days per year to provide the peace of mind you need. And best of all, this service is available at no additional cost to ScotiaGold Passport VISA Card members.

Scotia® VISA Cheques8 & 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 your ScotiaGold Passport VISA account with your ScotiaCard when you link the two together.

Easy Access

When you link your ScotiaGold Passport VISA account to your ScotiaCard® 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!10

Scotia VISA Balance Protection (optional)2

Scotia VISA Balance Protection can make monthly payments+ to your Scotia VISA account to help you maintain a good credit rating if you are unable to work due to disability, job loss or strike. It can pay your outstanding balance++ in the event you become critically ill or pass away.

To be eligible to apply for coverage you must be between minimum 18 and 65 years of age on the date of application and a Canadian resident. If you are approved for coverage, you authorize Scotiabank to charge the monthly premium at a rate of 0.95 per $100 of your average daily outstanding balance (plus applicable taxes) to your Scotiabank account.

View more information or call 1-800-461-0285 between 8:00 am and 8:00 pm Monday to Friday.

+ 5% of outstanding balance up to 24 months

++ The maximum benefit payable is $20,000

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
  • † The 30,000 Scotia Rewards® bonus points are awarded when you use your ScotiaGold Passport VISA card for a purchase within two months of open date and provided the account is open and in good standing. The points will appear as an adjustment on your VISA statement within two statement cycles of your first card purchase. The introductory $99 annual fee only applies to the initial annual fee for the primary card, which is charged at the time the card is issued. Rates and fees are subject to change without notice. Offer applies to new accounts opened by May 31, 2012, subject to credit approval. Read More
  • 1 Points are not awarded for cash advances, Scotia® VISA cheques, credit vouchers, returns, payments, annual membership or card fees, interest charges or service transaction charges.
  • 2 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. The Bank of Nova Scotia is not the insurer. Please read them carefully. All claims for insurance indemnities must be forwarded to the insurers.
  • 3 In order to be eligible for a Cash Back rebate, all reservations and travel arrangements must be made through the Scotia Rewards Travel Service (Travel Services provided by a duly licensed 3rd party travel agent) and charged to your ScotiaGold Passport VISA card. Taxes, service charges, insurance, hotels, motels, car rentals and personal expenditures are excluded unless already included in prepackaged tours. The Cash Back will be automatically credited to your ScotiaGold Passport VISA account within two billing cycles following your departure date. 5% Cash Back rebate is provided by a Third Party. For more information, please contact the Scotia Rewards Travel Service at 1 800 665-2582.
  • 4 Not including cash advances, balance transfers and Scotia VISA cheques. Provided that you pay your balance in full by the payment due date.
  • 5 Regular foreign currency conversion charges apply to travellers cheques.
  • 6 Travel services provided by a duly licensed 3rd party travel agent.
  • 7 Concierge Services provided by a 3rd party concierge service.
  • 8 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.
  • 9 Certain restrictions, limitations and exclusions apply. Please visit www.visa.ca for a full description of the VISA Zero Liability Policy.
  • 10 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.

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