Manage your credit card

Making it easy to use your Scotiabank credit card.

Manage your account

Activate your card

For Visa and American Express cards:

  • Activate online: follow the steps on our online activation page
  • Make an in-store purchase: insert your card and enter your PIN (check the sticker on your card for eligibility)

For Mastercard:

Once activated, you can use your card right away.

Note: Only the primary cardholder can activate a credit card.

Add a supplementary card

Getting a supplementary card (also known as authorized user card) for your partner or another member of your household can help you maximize your rewards. Plus, your statement includes an itemized list of transactions so you can keep track of how much each person is spending. Remember that you will be responsible for all transactions made by the supplementary cardholder you add to your account. To request a supplementary card, sign in to Scotia OnLine®.

 

Report lost or stolen cards

 

If your credit card is lost, stolen or you need a replacement, please call us immediately. We’ll send you a new card replacement right away.

  • Call 1-800-387-6466 (Canada/USA)
  • Call (416) 288-1440 (Greater Toronto, outside Canada and USA, call collect)
  • Relay services for Deaf, deafened, and hard of hearing customers are available.

 

Switch or close your account

 

Whether you want to switch to another Scotiabank credit card, consolidate multiple Scotiabank credit card accounts, or close your Scotiabank credit card account, we can help.

Call 1-866-267-4935
Monday to Friday 9:00 a.m. - 9:00 p.m. (ET)
Saturday 10:00 a.m. - 6:00 p.m. (ET)

 

®

Registered trademarks of The Bank of Nova Scotia

™
Trademark of The Bank of Nova Scotia
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Visa Int./Licensed User.

American Express is a registered trademark of American Express. This credit card program is issued and administered by The Bank of Nova Scotia under license from American Express.

Scotia Credit Card Protection is a Group Policy underwritten by Chubb Life Insurance Company of Canada. All coverage is subject to the terms and conditions outlined in the Certificate of Insurance which you will receive upon enrolment.

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Merchants set their own limits for the maximum value of a contactless payment transaction that does not require a signature or PIN.
 

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Insurance coverage and availability vary by credit card. See your Welcome Kit for details on the insurance coverage and benefits that apply to your card. Insurance coverage is subject to the terms and conditions outlined in the Certificate of Insurance. Certain limitations, restrictions and exclusions apply, including a pre-existing condition exclusion for certain benefits. Please refer to your Certificate of Insurance which contains a full description of the insurance coverage underwritten by an independent licensed insurer. All claims for insurance benefits must be forwarded to the insurer.

1

Pre-authorized or recurring payments are payments made on a monthly or regular basis automatically billed by the merchant/service provider to your Scotiabank credit 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 credit cards.)

2

Certain restrictions, limitations and exclusions apply. Please visit visa.ca for a full description of the Visa Zero Liability Policy.

3

Certain restrictions and exclusions apply. Visit network.americanexpress.com/ca/en/fraudguarantee.html for a full description of the American Express Fraud Protection Guarantee.

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Click to Pay is an online checkout solution provided by a third party that supports American Express, Mastercard and Visa cards and is based on EMV® SRC Specifications. The Bank of Nova Scotia is not responsible for this service.

§
Scotia SelectPay Conditions apply, review Terms and Conditions for more details.
Scotia Credit Card Protection is underwritten by Chubb Life Insurance Company of Canada 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 enrolment.

Increase your credit limit

If you would like to request an increase to your credit limit, you can do so in one of three simple ways:

Online

Log in to your Scotia OnLine® account to make your request

By Phone

Prefer to talk to us?

(Canada/USA)

In Person

Contact your Scotiabank branch