Banking for notaries of Quebec

Savings and reward potential in first 12 months includes welcome offer value, first year point earn potential, foreign transaction fee and airport lounge savings as of April 9, 2025:

$300 in travel rewards (30,000 bonus Scene+ points) for new Scotiabank Passport Visa Infinite Business Card clients who spend $5,000 within the first 3 months;

$100 in travel rewards (10,000 bonus Scene+ points) when you spend $60,000 on your Scotiabank Passport Visa Infinite Business Card within the first 12 months;

$50 annual fee waiver on one secondary card;

$136 in foreign transaction fee savings based on average first year annual foreign spend per Scotiabank Passport Visa Infinite Business Card account (save the 2.5% foreign transaction fee markup typically charged by card issuers);

$1650 in first year point earn potential (165,000 Scene+ points) on eligible business purchases based on average annual first year spend per Scotiabank Passport Visa Infinite Business Card account;

$366 value with a complimentary Visa Airport Companion Program Membership that includes 6 lounge passes (based on “Preferential” membership valued at approx. CAD$366/USD$264). Currency conversion as at April 9, 2025.

$199 in savings with first year annual fee waiver for the primary card.

Potential First Year Value = up to $2,801

Actual offers, savings and rewards earned will depend on individual card usage and eligibility for applicable offers. Conditions apply.

Offer Description and Conditions: The 40,000 Bonus Scene+ Points Offer (the “Offer”) applies only to new Scotiabank Passport Visa Infinite Business credit card accounts (“Account”) opened between May 1, 2025, and October 31, 2026 (regardless of the date you apply for the Card), and is subject to the conditions below. 

To be eligible for 30,000 bonus Scene+ points (the “30,000 Point Bonus”), you must have at least $5,000 in eligible purchases posted to your new Account in the first 3 months of the Account open date.  To qualify for an additional 10,000 bonus Scene+ points (the “10,000 Point Bonus”), you must have at least $60,000 in eligible purchases posted to your new Account in the first year (12 months) of Account open date. Eligible purchases include purchases (less any refunds, returns or other similar credits) but do not include payments, cash advances (including balance transfers or cash-like transactions), interest, fees, or other charges.  

Point Bonus Fulfilment: The applicable point Bonus(es) will be credited within approximately 8 weeks after the qualifying amount in eligible purchases (i.e., $5,000 or $60,000) has been posted to the Account (within the first 3 months for the 30,000 Point Bonus or within the first 12 months for the 10,000 Point Bonus) provided the Account is open and in good standing. For Joint Accounts with a Primary Borrower and Co-borrower, the applicable point Bonus will be credited as follows: (i) the 30,000 Point Bonus and 10,000 Point Bonus will be credited to the Scene+ account linked to the Account of the borrower that completed the last transaction to meet the qualifying amount of eligible purchases (i.e., $5,000 or $60,000) in the appropriate time frame (i.e., first 3 months or first 12 months). If a supplementary cardholder completes the last qualifying transaction to meet the qualifying amount of eligible purchases for the 30,000 Point Bonus or the 10,000 Point Bonus, the applicable point Bonus will be credited to the Primary Borrower’s Scene+ account linked to the Account. Points can be transferred between Primary and Co-Borrower or Supplementary Cardholder’s Scene+ accounts by contacting Scene+.  The Account is considered in good standing if it is not past due or over limit and the Cardholder(s) is not in breach of the Revolving Credit Agreement that applies to the Account.   All other terms and conditions of the Scene+ Program continue to apply during the Offer period.  Offer may be changed, cancelled, or extended without notice at any time and cannot be combined with any other offers.

Offer Eligibility and Exclusions: Individuals who are currently or were previously primary or secondary cardholders of a Scotiabank business credit card in the past 2 years, including those that switch from an existing Scotiabank business credit card, are not eligible for the Offer. Subject to the above exclusions, Scotiabank personal credit cardholders are also eligible for the Offer.  By accepting this Offer you confirm you meet all Offer requirements. We reserve the right to revoke this Offer at any time if we determine you do not meet the Offer eligibility requirements, including after you have accepted the Offer or been approved for the Account. 

Rates and Fees: The current annual fee is $199 for the primary card, $0 for the first additional card and $50 for each additional card thereafter (including those issued to co-borrowers and supplementary cardholders).

The current preferred annual interest rates for the Account are: 20.99% on purchases and 22.99% on cash advances (including balance transfers and cash-like transactions). All rates, fees, features, and benefits are outlined in the Welcome Kit you will receive if approved and are subject to change.

Primary Cardholders with a valid Scotiabank Passport™ Visa* Infinite Business Card account (the “Account”) have access to participating lounges within the Visa Airport Companion Program (“Program”), hosted and managed by DragonPass International Ltd.  Cardholders must enroll for this benefit either through the Visa Airport Companion App (available to download for free) or on the Program Website using a valid Card on the Account. Upon enrollment, 6 complimentary lounge visits will be available for the Primary Cardholder per membership year; the complimentary visits can be used by any Cardholder for themselves and for their accompanying guests at participating lounges (however, Primary Cardholder must be present for each such use).  Lounge visits are counted on a per person per visit basis (e.g. lounge access by a Cardholder and one accompanying guest will count as two (2) visits). All additional visits beyond complimentary visits are subject to a fee of $32 USD (subject to change)per person per visit. Applicable lounge access fees will be charged to the Card connected to the Cardholders’ Program membership (i.e. the Card enrolled in Program).

To view a full list of participating airport lounges, their facilities, opening times and restrictions Cardholders can visit the Program App and Website.  To view the full Terms and Conditions for the Program, including DragonPass Terms of Use and Privacy Policy and Visa’s Privacy Policy that apply to the Program, visit the Visa Airport Companion Program App or Website.

The Program services and benefits are provided by DragonPass and applicable third party offer providers and neither Visa nor The Bank of Nova Scotia is responsible for the Program or any claims or damages arising from participation in the Program.

Unless the Program membership is suspended or cancelled, the Program membership and any included complimentary lounge visits (if applicable) will automatically renew annually on the anniversary date (based on date when the Cardholder enrolled for the Program). Program membership will be cancelled if your Scotiabank Passport™ Visa* Infinite Business Card is cancelled. If your Scotiabank Passport™ Visa* Infinite Business Card is renewed or replaced, remember to update your card details within the Visa Airport Companion Program (either on the App or on the Program Website).

Access upon presentation of a valid and enrolled Scotiabank Passport™ Visa* Infinite Business Card, while available in most lounges within the Visa Airport Companion Program, is subject to availability.

Offer Description and Conditions: The Introductory 2.99% Balance Transfer Rate Offer (the “Offer”) applies only to new Scotia Momentum for business Visa credit card accounts (“Accounts”) that are opened between November 1, 2024, and October 31, 2026 (regardless of the date you apply for the Card), subject to the conditions below.

The introductory rate will last for 6 months from the date of Account opening (the “Promotional Period”) and will apply only to eligible cash advances (including balance transfers and cash-like transactions) (collectively “Cash Advances”) made during the Promotional Period.  After the Promotional Period, the introductory  2.99% interest rate on any Cash Advances made during the Promotional Period (including any amount of those Cash Advances that remain unpaid after the Promotional Period ends) will increase to the preferred interest rate on Cash Advances (currently 22.99%).  There is no balance transfer fee applicable to Cash Advances made during the Promotional Period.

This Offer is subject to any available limit for Cash Advances on your Account. This means if a Cash Advance amount(s) requested exceeds your approved credit limit as of the date this Offer was provided to you, it may not be processed. This Offer cannot be used for any Scotiabank account including to transfer a balance from another Scotiabank account, or to make a payment or deposit to another Scotiabank account. Offer may be changed, cancelled, or extended at any time without notice and cannot be combined with any other offers.   

Losing your promotional rate: If we don’t receive the minimum payment on your Account by the payment due date on your statement, two consecutive times, you will lose the benefit of this promotional rate  Offer and the interest rates that apply on any unpaid balance will increase to the standard annual interest rates that apply to your Account (currently 25.99% on purchases and 27.99% on Cash Advances).  

How we apply payments: Your payment cannot be applied to the balance(s) of your choice: In general, if you make a payment that exceeds the minimum payment on your statement, we will apply your payment on a proportionate basis among each group of billed charges on your Account. We group charges based on the interest rate that applies to the group of charges. See your credit card agreement for more information about how we apply payments to your Account.

Eligibility and Exclusions: Individuals who are currently or were previously primary or secondary cardholders of a Scotiabank business credit card in the past 2 years, including those that switch from an existing Scotiabank business credit card, are not eligible for Offer. Subject to the above exclusions, Scotiabank personal credit cardholders are also eligible for the Offer.  By accepting this Offer you confirm you meet all Offer requirements. We reserve the right to revoke this Offer at any time if we determine you do not meet the Offer eligibility requirements, including after you have accepted the Offer or been approved for the Account. 

Rates and Fees: The current annual fee is $79 for the primary card and $29 for each additional card (including those issued to co-borrowers and supplementary cardholders). The current preferred annual interest rates for the Account are: 20.99% on purchases and 22.99% on Cash Advances. 

All rates, fees, features, and benefits are outlined in the Welcome Kit you will receive if approved and are subject to change.

As of June 24, 2024, the Ultimate Package monthly account fee is waived for eligible clients of the Scotiabank Lawyer Banking Program on one (1) Ultimate Package Account (“Ultimate Package Account”) of which they are the primary accountholder. To be eligible, a client must:

• be a member in good standing of a provincial or territorial law society authorized to practice law or a retired member of a provincial or territorial law society and
• set up and clear at least one of the following in their Ultimate Package Account on a monthly basis:
  • An eligible^† automated and recurring direct deposit, such as payroll, or
  • An eligible^† recurring pre-authorized transaction, such as mortgage payments or utilities.

^† Click here for a list of eligible direct deposits, pre-authorized transactions. Notwithstanding a transaction may be included in these lists, certain exclusions may still apply, and Scotiabank reserves the right to modify these lists and to determine whether a specific direct deposit, pre-authorized transaction is eligible for the offer.

For new eligible clients to qualify, they must open a new Ultimate Package Account through a Scotiabank Advisor in person at the branch, sign the documentation physically and meet the eligibility criteria.

For existing eligible clients who want to switch their current Scotiabank chequing account to the Ultimate Package Account, to qualify they must request the switch through a Scotiabank Advisor in person at the branch, sign the documentation physically and meet the eligibility criteria.

Subject to these terms, the monthly account fee will be waived and will not appear as a charge on your Ultimate Package Account for each month following the month the above conditions are met and provided the Ultimate Package Account is open and in “good standing” at the time of the waiver. For example, if you clear an eligible direct deposit or pre-authorized transaction in the month of July, your monthly account fee will be waived in the month of August and will not appear as a charge on your Ultimate Package Account. However, if you do not clear an eligible direct deposit or pre-authorized transaction in the month of August, you will be charged the monthly account fee in September. The Ultimate Package Account is not in “good standing” if: (i) it has a negative balance exceeding the authorized overdraft limit, (ii) it has been in continuous overdraft for a period of three (3) consecutive months, or (iii) the account holder is in breach of the Ultimate Package Account agreement with Scotiabank.

For existing eligible clients who switched accounts to the Ultimate Package Account, the fee waiver will begin in the month following the month in which the client’s account was switched to the Ultimate Package Account, provided all offer conditions have been met. This means if a client switches accounts they could be charged the monthly Ultimate Package Account fee in the first month.

Continued eligibility for this offer is subject to annual verification of client’s legal license status upon request by Scotiabank and compliance with these offer terms. Failure to provide the required validation will invalidate this offer. If the client ceases to be a member in good standing of a provincial or territorial law society authorized to practice law they will no longer be eligible for this offer and the Ultimate Package Account will begin to be charged the then current monthly account fee.

All other applicable service charges on the Ultimate Package Account will continue to be applied. Maximum one offer per client regardless of the number of Ultimate Package Accounts opened and the fee waiver will be applied to the first Ultimate Package Account opened.

This offer is only available through a Scotiabank Advisor in branch. This offer is non-transferable and may be changed, suspended, cancelled, or extended at any time without notice.

The Scotiabank Cash Bonus Bundle Offer Terms and Conditions

1. The Scotiabank Cash Bonus Bundle Offer (the “Offer”) is available between March 3, 2026 and July 2, 2026 (the “Offer Period”) to individuals who open new eligible accounts. Subject to the Offer conditions, eligible clients can earn $500 when they open a new Preferred Package or Ultimate Package chequing account and complete certain qualifying transactions. Plus, clients who meet the conditions for the $500 bonus are also eligible to earn up to $200 in additional cash bonuses when they bundle their new Preferred or Ultimate Package chequing account with a new Money Master Savings Account and/or a new eligible Registered Account and complete certain qualifying transactions.

$500 Cash Bonus for Preferred or Ultimate Package Conditions

2. To qualify for the $500 cash bonus (the “$500 Package Bonus”), you must:

    a. Open a new Ultimate Package or new Preferred Package chequing account (the “Eligible Chequing Account”) during the Offer Period; and

    b. Complete any two (2) of the following activities in your Eligible Chequing Account within 60 days of Eligible Chequing Account opening:

• Set up and receive at least one eligible automated and recurring direct deposit, such as payroll or pension, which will recur monthly for a minimum of six (6) consecutive months in total, or
• Set up and make a minimum of one (1) eligible recurring pre-authorized transaction with a value of at least $50 which will recur monthly for a minimum of six (6) consecutive months, or
• Make at least one (1) eligible online bill payment of at least $50 through the Scotiabank Mobile App or through Scotia OnLine.

3. Click here for a list of eligible direct deposits, pre-authorized transactions and online bill payments. Notwithstanding a transaction may be included in these lists, certain exclusions may still apply and Scotiabank reserves the right to modify these lists and to determine whether a specific direct deposit, pre-authorized transaction or bill payment is eligible for the $500 Package Bonus. Fund transfers initiated to other Scotiabank accounts (one time or recurring, e.g. credit card or savings account), to chequing or savings accounts held at other financial institutions, or to payment processing firms, are not eligible for the $500 Package Bonus.

$100 Money Master Savings Account Bundle Conditions

4. To qualify for a $100 cash bonus (the “$100 Savings Bundle Bonus”), you must meet all of the conditions for the $500 Package Bonus, and:

    a. During the Offer Period and within 60 days of opening your Eligible Chequing Account:

        i. Open a new Money Master Savings Account (the “Eligible Savings Account”).

        ii. Enroll your new Eligible Savings Account in either the Pay Yourself First or the Savings Finder tool (each a “Smart Savings Tool”).

    b. Remain enrolled in your selected Smart Savings Tool for 90 consecutive days.

5. Enrolment in a Smart Savings Tool is subject to certain eligibility requirements and can only be done through the Scotiabank mobile banking app. For example, enrollment in the Pay Yourself First tool will not be available if you have not had at least 4 recurring deposits to your Scotia Chequing Account at the time you attempt to enroll. Also, both the Eligible Chequing and Savings Accounts must be “Any to Sign” to be eligible for the Smart Savings tools. Only one Smart Savings Tool can be enrolled in at a time but you can switch tools at any time, however, you must remain enrolled in a Smart Savings Tool for 90 consecutive days from the date of first enrolment in Section 4.a.ii. above.  See the Smart Savings Tool Agreement for full terms and conditions.

$100 Registered Account Bundle Conditions

6. To qualify for a $100 cash bonus (the “$100 Registered Bundle Bonus”), you must meet all of the conditions for the $500 Package Bonus, and:

    a. During the Offer Period and within 60 days of opening your Eligible Chequing Account, open a new Eligible Registered Account (as defined below).

7. For the purposes of this Offer, the following Scotia Registered Accounts opened with either The Bank of Nova Scotia (“Scotiabank”) or Scotia Securities Inc. are defined as “Eligible Registered Accounts”:  Scotia Registered Retirement Savings Plans (excluding Spousal RRSPs and locked-in plans such as LIRAs and LRSPs) (each an “RRSP”), Scotia Tax-Free Savings Accounts (each a “TFSA”) and Scotia First Home Savings Accounts (each a “FHSA”). Scotia RRIFs (including locked-in income plans), RESPs, RDSPs, and non-registered Scotia Investment Accounts are not included in the definition and are not eligible for the Offer.

Offer Eligibility and Exclusions

8. $500 Package Bonus: Individuals who are currently holders of, or who were previously holders within the last two (2) years, of a Scotiabank Chequing Account are not eligible for this Bonus. “Scotiabank Chequing Account” means any of the following accounts: Ultimate Package, Preferred Package, Scotia One Account, Basic Plus Bank Account, Basic Banking Plan, Basic Bank Account, Momentum Chequing, Power Chequing, Scotia One Service, Scotia Value, Student Banking Advantage Plan.

9. 100 Savings Bundle Bonus:  Individuals who currently hold or have held a Money Master Account with Scotiabank in the six (6) months preceding the Offer Period are not eligible for this Bonus.

10. $100 Registered Bundle Bonus: In order to qualify for the $100 Registered Bundle Bonus, Individuals who  have held the same type of Eligible Registered Account (as that opened during the Offer Period) with Scotiabank in the six (6) months preceding the Offer Period are not eligible for this Bonus. 

11. Employees of Scotiabank and all of its subsidiaries are also not eligible for the Offer.

Offer Fulfillment

12. Provided all of the applicable Offer conditions have been met:

    a. the $500 Package Bonus will be deposited to the Eligible Chequing Account within approximately nine (9) months from account open date. 

    b. the $100 Savings Bundle Bonus will be deposited to your Eligible Savings Account within approximately thirteen (13) months from the account open date.

    c. the $100 Registered Bundle Bonus will be deposited to your Eligible Registered Account within approximately ten (10) months from the account open date.  

13. You have 24 months from the date you believe you have fulfilled the applicable Offer conditions to notify us if you have not received the applicable cash bonus so that we may confirm your eligibility. For clients investing in non-Canadian dollar currencies, the investment will be calculated based on Canadian dollar equivalent at the Scotiabank rate on the transaction date to determine eligibility for the offer. All bonuses will be paid in Canadian dollars.

14. For any cash bonus to be fulfilled, the Eligible Chequing Account, the Eligible Savings Account and the Eligible Registered Account, as applicable, must be open and in good standing until the time of payout of the cash bonus. The Eligible Chequing Account is not in "good standing" if: (i) it has a negative balance exceeding the authorized overdraft limit, (ii) it has been in continuous overdraft for a period of three consecutive months, or (iii) the Account holder is in breach of the Account agreement with Scotiabank. The Eligible Savings Account is not in 'good standing' if it has a negative balance.  An Eligible Registered Account is not in 'good standing' if the account holder is in breach of the Eligible Registered Account’s client account agreement. Clients are responsible to confirm their applicable registered plan contribution limits prior to making any contribution to their Eligible Registered Account(s).

15. If more than one (1) Eligible Chequing Account is opened, only the first Eligible Chequing Account opened will be eligible for the $500 Package Bonus. If more than one (1) Eligible Savings Account is opened, only one Eligible Savings Account that fulfilled the $100 Savings Bundle Bonus conditions will be eligible for the $100 Savings Bundle Bonus. If more than one (1) Eligible Registered Account is opened, only the first Eligible Registered Account that fulfilled the $100 Registered Bundle Bonus conditions will be eligible for the $100 Registered Bundle Bonus. If two Eligible Registered Accounts fulfill on the same day, the $100 Registered Bundle Bonus will be paid into only one of the Eligible Registered Account(s) in the following order: (1) Eligible TFSA, then (2) Eligible FHSA, then (3) Eligible RRSP.

16. For joint accounts, only the primary Eligible Chequing Account holder is eligible to receive the $100 Savings Bundle Bonus and $100 Registered Bundle Bonus into their Eligible Savings Account and Eligible Registered Account, as applicable. The primary account holder must be the same client on both the Eligible Chequing Account and Eligible Savings Account.

General Terms

17. This Offer is non-transferable and may not be duplicated. Limit of one (1) $500 Package Bonus, (1) $100 Savings Bundle Bonus, and one (1) $100 Registered Bundle Bonus per client (for a total bonus of up to $700), regardless of the number of Eligible Chequing Accounts, Eligible Savings Accounts or Eligible Registered Accounts opened.

18. The $100 Registered Bundle Bonus is not considered a contribution. Scotiabank and Scotia Securities Inc. are not responsible for any contribution over a client’s applicable registered plan limit in connection with this Offer. Clients should consult with a tax advisor to discuss any tax implications in connection with this Offer and clients are responsible for any required tax reporting.

19. All rates, fees, features and benefits are subject to change. All other terms and conditions of the Account and Smart Savings Tools Agreement continue to apply.

20. The Offer is non-transferable and may not be duplicated. Offer may be changed, cancelled or extended at any time without notice and cannot be combined with any other offers on the Account, unless otherwise permitted by Scotiabank.

If you open a new Scotiabank Passport Visa Infinite + credit card account (“Account”) you will receive an annual fee waiver (“Annual Fee Waiver”) each year for as long as you are a Scotia Professional Plan or Scotia Professional Plan Lite customer and provided the Account remains open and in good standing. The Account is considered in good standing if it is not delinquent (past due) or over limit and there is no breach of the Revolving Credit Agreement or any other agreement(s) that applies to the Account. The Account will only receive one Annual Fee Waiver regardless of the number of accountholders on the Account. All other fees and charges applicable to the Account continue to apply. Annual Fee Waiver is non-transferable and cannot be combined with any other annual fee waiver offer. Current annual fees, rates and other features for the Account are subject to change.

^††Savings and reward potential in first 12 months includes welcome offer value, first year point earn potential, foreign transaction fee and airport lounge savings as of April 9, 2025

$350 in travel rewards (35,000 bonus Scene+ points) for new Scotiabank Passport Visa Infinite + Card clients who spend $2,000 within the first 3 months;

$100 in travel rewards (10,000 bonus Scene+ points)  when you spend $40,000 annually on your Account each year (12-months);

$50 supplementary card annual fee waiver on the first supplementary card for new Scotiabank Passport Visa Infinite + Card clients;

$136 in foreign transaction fee savings based on average first year annual foreign spend per account (save the 2.5% foreign transaction fee markup typically charged by othercard issuers);

$381 in first year point earn potential (38,100 Scene+ points) on everyday purchases based on average annual spend per account with an average spend of 20% in 2X accelerator categories;

$366 value with a complimentary Visa Airport Companion Program Membership that includes 6 lounge passes (based on ‘Preferential’ membership valued at approx. CAD$359/USD$259). Currency conversion as at April 9, 2025.

Potential First Year Value = up to $1,383

Actual offers, savings and rewards earned will depend on individual card usage and eligibility for applicable offers. Conditions apply.

Offer Description and Conditions: The 35,000 Bonus Scene+ Points Offer  (the “Offer”) applies only to new Scotiabank Passport Visa Infinite + credit card accounts (“Accounts”) that are opened between October 31, 2025 and January 1, 2026  (regardless of the date you apply for the Account) subject to the conditions below. Offer may be changed, cancelled or extended at any time without notice and cannot be combined with any other offers.  

Plus, as a Scotiabank Passport Visa Infinite + credit cardholder you are always eligible to earn an annual 10,000 Scene+ point bonus when you spend at least $40,000 in everyday eligible purchases annually on your Scotiabank Passport Visa Infinite account. Conditions apply - see below for further details.

35,000 Bonus Scene+ Point Offer Description and Conditions: To qualify for the 35,000 bonus Scene+ points (the “35,000 Point Bonus”), you must have at least $2,000 in eligible purchases posted to your new Account within the first 3 months of the Account open date. Eligible purchases include purchases (less any refunds, returns or other similar credits) but do not include payments, cash advances (including balance transfers or cash-like transactions), interest, fees or other charges.

10,000 Annual Bonus Scene+ Point Conditions: As a Scotiabank Passport Visa Infinite + credit cardholder you can earn an annual Scene+ point bonus starting at 10,000 Scene+ points (“the Annual Point Bonus”) when you make at least $40,000 in eligible purchases annually on your Account each year (12-months). Annual period starts from the Account open date and resets every 12 months thereafter. If you switch from another Scene+ eligible Credit Card to the Passport Visa Infinite + Card (vs. it being opened as a new or additional Card), your original Account open date will carry over to your new Passport Infinite + Card and your annual period for this offer will begin on the next anniversary of your original Account open date. For Example: If you originally opened a Scotiabank®* Gold American Express® Card on January 15, 2022, and switch that Card to the Scotiabank Passport® Visa Infinite* Card on July 15, 2025 – your annual period for the 10,000 annual Scene+ point offer will begin on January 15, 2026 (your next Anniversary) and will reset annually on January 15^th afterwards. You can also earn 2,000 bonus Scene+ points for every additional $10,000 in eligible purchases thereafter in that same year, after the $40,000 annual spend has been reached.  Eligible purchases include purchases (less any refunds, returns or other similar credits) but do not include payments, cash advances (including balance transfers or cash-like transactions), interest, fees or other charges.

Point Bonus Fulfillment: The applicable point Bonus(es) will be credited within approximately 8 weeks after qualifying for a Bonus, provided the Account is open and in good standing. For Joint Accounts with a Primary Borrower and Co-borrower, the applicable point Bonus will be credited as follows: (i) the 35,000 Point Bonus and Annual Point Bonus will be credited to the Scene+ account linked to the Account of the borrower that completed the last transaction to meet the qualifying amount of eligible purchases (i.e., $2,000 or $40,000) in the appropriate time frame (i.e., first 3 months or first 12 months). If a supplementary cardholder completes the last qualifying transaction to meet the qualifying amount of eligible purchases for the 35,000 Point Bonus or the Annual Point Bonus, the applicable point Bonus will be credited to the Primary Borrower’s Scene+ account linked to the Account. Points can be transferred between Primary and Co-Borrower or Supplementary Cardholder’s Scene+ accounts by contacting Scene+.  The Account is considered in good standing if it is not past due or over limit and the Cardholder(s) is not in breach of the Revolving Credit Agreement that applies to the Account. All other terms and conditions of the Program Terms continue to apply during the Offer period.

Offer Eligibility and Exclusions: Individuals who are currently or were previously primary or secondary cardholders of a Scotiabank personal credit card in the past 2 years, including those that switch from an existing Scotiabank personal credit card, as well as employees of Scotiabank, are not eligible for the Offer. Subject to the above exclusions, Scotiabank business credit cardholders are also eligible for the Offer. 

Rates and Fees: The current annual fee is $150 for the primary card, $0 for the first additional card and $50 for each additional card thereafter (including those issued to co-borrowers and supplementary cardholders). The current preferred annual interest rates for this Account are: 20.99% on purchases and 22.99% on cash advances (including balance transfers and cash-like transactions). All rates, fees, features and benefits are outlined in the Application Disclosure Statement and are subject to change.

You are awarded three (3) Scene+ Points for every eligible $1.00 purchase made at Sobeys, Safeway, IGA, Foodland, Foodland & Participating Co-ops, FreshCo, Chalo! FreshCo, Thrifty Foods, Rachelle Béry, Les Marchés, Voilà by Sobeys, Voilà by Safeway and Voilà par IGA locations charged and posted to the Scotiabank Passport Visa Infinite + Account. This list of eligible grocers may be changed from time to time without notice. See full list of participating merchants across Canada at scotiabank.com/participatingstores.

You are awarded two (2) Scene+ Points for every eligible $1.00 purchase on all other grocery (not listed above), dining, entertainment, and daily transit purchases charged and posted to the Scotiabank Passport Visa Infinite + Account (the earn rates for each of the above categories and merchants are referred to as the “Accelerated Earn Rates”). See below for the Spend Threshold that applies to this Accelerated Earn Rate.

You are awarded one (1) Scene+ Point for every $1.00 in all other purchases of goods and services charged to the Scotiabank Passport Visa Infinite + Account (the “Regular Earn Rate”).

Spend Threshold for the Accelerated Earn Rate (Scotiabank Passport Visa Infinite + Accounts only):

You will earn the Accelerated Earn Rate on the first $50,000 in purchases made on your Scotiabank Passport Visa Infinite + account (the “Account”) annually at the following: purchases made at merchants classified in the Visa credit card network as: Grocery Stores and Supermarkets; Eating Places and Restaurants, Drinking Places, Fast Food Restaurants; Entertainment including Motion Picture Theatres, Theatrical Producers, Ticket Agencies, Bands, Orchestras, Miscellaneous Entertainers; Railroads, Local and Suburban Commuter Passenger Transportation, including Ferries, Passenger Railways, Taxicabs and Limousines, Bus Lines, Transportation Services (Not Elsewhere Classified). Some merchants may sell other products/services or are separate merchants who are located on the premises of these merchants, but are classified by the credit card network in another manner, in which case this added benefit would not apply. The annual spend calculation for the $50,000 maximum threshold is calculated annually from January 1st to December 31st each year. You will earn 1 point per $1 on purchases made on the Account after the 2 points per $1 / $50,000 annual spend maximum is reached and on all other purchases made on the Account. Scene+ points are only awarded on purchases. Scene+ points are not awarded for cash advances, balance transfers, Scotia® Credit Card Cheques, payments, returns, refunds or other similar credits, fees or interest or other charges. Scene+ points must be redeemed within 60 days of Account closure or they will be deleted permanently. If your Account is not in good standing, the accumulated Scene+ points are not eligible for redemption. All dollar amounts are in Canadian currency unless otherwise stated.

Primary Cardholders with a valid Scotiabank Passport Visa Infinite + Card account (the “Account”) have access to participating lounges within the Visa Airport Companion Program (“Program”), hosted and managed by DragonPass International Ltd.  Cardholders must enroll for this benefit either through the Visa Airport Companion App (available to download for free) or on the Program Website using a valid Card on the Account. Upon enrollment, 6 complimentary lounge visits will be available for the Primary Cardholder per membership year; the complimentary visits can be used by any Cardholder for themselves and for their accompanying guests at participating lounges (however, Primary Cardholder must be present for each such use).  Lounge visits are counted on a per person per visit basis (e.g. lounge access by a Cardholder and one accompanying guest will count as two (2) visits). All additional visits beyond complimentary visits are subject to a fee of $32 USD (subject to change) per person per visit. Applicable lounge access fees will be charged to the Card connected to the Cardholders’ Program membership (i.e. the Card enrolled in Program).

To view a full list of participating airport lounges, their facilities, opening times and restrictions Cardholders can visit the Program App and Website.  To view the full Terms and Conditions for the Program, including DragonPass Terms of Use and Privacy Policy and Visa’s Privacy Policy that apply to the Program, visit the Visa Airport Companion Program App or Website. 

The Program services and benefits are provided by DragonPass and applicable third party offer providers and neither Visa nor The Bank of Nova Scotia is responsible for the Program or any claims or damages arising from participation in the Program.

Unless the Program membership is suspended or cancelled, the Program membership and any included complimentary lounge visits (if applicable) will automatically renew annually on the anniversary date (based on date when the Cardholder enrolled for the Program). Program membership will be cancelled if your Scotiabank Passport Visa Infinite + Card is cancelled. If your Scotiabank Passport Visa Infinite + Card is renewed or replaced, remember to update your card details within the Visa Airport Companion Program (either on the App or on the Program Website).

Access upon presentation of a valid and enrolled Scotiabank Passport Visa Infinite + Card, while available in most lounges within the Visa Airport Companion Program, is subject to availability.

If you open a new Scotiabank Gold American Express credit card account (“Account”) you will receive an annual fee waiver (“Annual Fee Waiver”) each year for as long as you are a Scotia Professional Plan or Scotia Professional Plan Lite customer and provided the Account remains open and in good standing.  The Account is considered in good standing if it is not delinquent (past due) or over limit and there is no breach of the Revolving Credit Agreement or any other agreement(s) that applies to the Account. The Account will only receive one Annual Fee Waiver regardless of the number of accountholders on the Account.  All other fees and charges applicable to the Account continue to apply.  Annual Fee Waiver is non-transferable and cannot be combined with any other annual fee waiver offer. Current annual fees, rates and other features for the Account are subject to change.

* Savings and reward potential in first 12 months includes welcome offer value, first year point earn potential and foreign transaction fee savings as of April 29, 2025:

$500 in travel rewards (50,000 bonus Scene+ points) for new Scotiabank Gold American Express Card clients who spend $2,000 within the first 3 months (to earn 30,000 points) and who spend $7,500 within the first 12 months (to earn an additional 20,000 points);

$61 in foreign transaction fee savings based on average first year annual foreign spend per account (save the 2.5% foreign transaction fee markup typically charged by card issuers);

$377 in first year point earn potential (37,700 Scene+ points) on everyday purchases based on average annual first year spend per account over the last 2 years with an average spend of 25% in 5X accelerator, 5% in 3X accelerator categories, and 70% in 1x categories.

$120 in savings with first year free (annual fee waived for the primary card on the account for the first year only)

Potential First Year Value = up to $1,050

Actual offers, savings and rewards earned will depend on individual card usage and eligibility for applicable offers. Conditions apply.

Offer Description and Conditions: The 50,000 Bonus Scene+ Points and First Year Annual Fee Waiver (the “Offer”) applies only to new Scotiabank Gold American Express credit card accounts (“Accounts”) opened between October 31, 2025 and January 1, 2026 (regardless of the date you apply for the Account) and is subject to the conditions below.

50,000 Bonus Scene+ Point Offer Description and Conditions: To be eligible for 30,000 bonus Scene+ points (the “30,000 Point Bonus”), you must have at least $2,000 in eligible purchases posted to your new Account in the first 3 months of the Account open date. To be eligible for an additional 20,000 bonus Scene+ points (the “Additional 20,000 Point Bonus”), you must have at least $7,500 in eligible purchases posted to your new Account in the first year (12 months) of Account open date. Eligible purchases include purchases (less any refunds, returns or other similar credits) but do not include payments, cash advances (including balance transfers or cash-like transactions), interest, fees or other charges.

Point Bonus Fulfillment: The applicable point Bonus(es) will be credited to the Scene+ account within approximately 8 weeks after qualifying for a Bonus, provided the Account is open and in good standing. For Joint Accounts with a Primary Borrower and Co-borrower, the applicable point Bonus will be credited as follows: (i) the 30,000 Point Bonus and Additional 20,000 Point Bonus will be credited to the Scene+ account linked to the Account of the borrower that completed the last transaction to meet the qualifying amount of eligible purchases (i.e., $2,000 or $7,500) in the appropriate time frame (i.e., first 3 months or first 12 months). If a supplementary cardholder completes the last qualifying transaction to meet the qualifying amount of eligible purchases for the 30,000 Point Bonus or the Additional 20,000 Point Bonus, the applicable point Bonus will be credited to the Primary Borrower’s Scene+ account linked to the Account. Points can be transferred between Primary and Co-Borrower or Supplementary Cardholder’s Scene+ accounts by contacting Scene+.  The Account is considered in good standing if it is not past due or over limit and the Cardholder(s) is not in breach of the Revolving Credit Agreement that applies to the Account.  All other terms and conditions of the Program Terms continue to apply during the Offer period. Offer may be changed, cancelled or extended without notice at any time and cannot be combined with any other offers.

First Year Annual Fee Waiver Offer Description and Conditions: We will waive the annual fee for the primary card issued between October 31, 2025 and January 1, 2026 on the Account for the first year only.

Eligibility and Exclusions: Individuals who are currently or were previously primary or secondary cardholders of a Scotiabank personal credit card in the past 2 years, including those that switch from an existing Scotiabank personal credit card, as well as employees of Scotiabank, are not eligible for the Offer. Subject to the above exclusions, Scotiabank business credit cardholders are also eligible for the Offer.

Rates and Fees:  The current annual fee is $120 for the primary card and $29 for each additional card (including those issued to co-borrowers and supplementary cardholders).

The current preferred annual interest rates for the Account are: 20.99% on purchases and 22.99% on cash advances (including balance transfers and cash-like transactions). 

You are awarded six (6) Scene+ Points for every eligible $1.00 CAD purchase made at Sobeys, IGA, Safeway, Foodland, FreshCo, Voilà by Sobeys, Voilà by IGA, Voilà by Safeway, Chalo! FreshCo, Thrifty Foods, IGA West, Les Marchés Tradition, Rachelle Béry, and Co-Op locations charged and posted to the Scotiabank Gold American Express Account. This list of eligible grocers may be changed from time to time without notice. See full list of participating merchants across Canada at scotiabank.com/participatingstores.

You are awarded five (5) Scene+ Points for every eligible $1.00 CAD purchase on all other grocery (not listed above), dining, and entertainment charged and posted to the Scotiabank Gold American Express Account. You are awarded three (3) Scene+ Points for every eligible $1.00 CAD purchase in gas, public transit and select streaming services purchases charged and posted to the Scotiabank Gold American Express Account (the earn rates for each of the above categories and merchants are referred to as the “Accelerated Earn Rates”). You are awarded one (1) Scene+ Point for every $1.00 in all other purchases of goods and services charged to the Scotiabank Gold American Express Account (the “Regular Earn Rate”).

You will earn the accelerated Scene+ Points (6X, 5X or 3X as applicable) under the Scene+ program if you make purchases in Canadian currency only. For purchases that are made in foreign currency, you will only earn 1 Scene+ Point for every $1 charged to the Scotiabank American Express® credit card once that foreign currency has been converted into Canadian dollars.

Merchant classifications – American Express network Purchases must be made at merchants classified through the American Express network with a Merchant Category Code (“MCC”) that identifies them in the American Express network in the “grocery”, “dining”, “entertainment”, “gas”, “streaming service” or “transit” category. Purchases at merchants where these categories are not their primary business do not qualify. Some merchants may (i) provide other goods or services; or (ii) have separate merchants located on their premises that may not be classified with an MCC under the Accelerated Earn Rate categories and such purchases will not earn the Accelerated Earn Rate as applicable. The Accelerated Earn Rates for the Scotiabank Gold American Express Card applies to the first $50,000 in purchases charged to the Scotiabank Gold American Express Account annually at merchants qualifying for the Accelerated Earn Rate, calculated annually from January 1st to December 31st each year. Once you exceed the applicable annual spend threshold, you will continue earning points at the Regular Earn Rate of one (1) Scene+ Point per $1.00 in purchases charged and posted to the Scotiabank Gold American Express Account. Eligibility: Only purchases earn Scene+ Points. Cash advances (including Balance Transfers and Cash-Like Transactions), fees, interest or other charges, returns, refunds or other similar credits to your Account do not qualify for Scene+ Points. Scene+ Points will not be posted to an Account that is not in good standing when purchases are made or when a statement is issued, or if the Account is not open when a statement is issued. See your Scene+ Points terms at www.scotiabank.com/sceneplus for full program details. All dollar amounts are in Canadian currency unless otherwise stated.