Make the most of the Scene+® program

This article is provided for information purposes only. It is not to be relied upon as investment advice or guarantees about the future, nor should it be considered a recommendation to buy or sell. Information contained in this article, including information relating to interest rates, market conditions, tax rules, and other investment factors are subject to change without notice and The Bank of Nova Scotia is not responsible to update this information. References to any third party product or service, opinion or statement, or the use of any trade, firm or corporation name does not constitute endorsement, recommendation, or approval by The Bank of Nova Scotia of any of the products, services or opinions of the third party. All third party sources are believed to be accurate and reliable as of the date of publication and The Bank of Nova Scotia does not guarantee its accuracy or reliability. Readers should consult their own professional advisor for specific investment and/or tax advice tailored to their needs to ensure that individual circumstances are considered properly and action is taken based on the latest available information.

Commissions, trailing commissions, management fees and expenses may be associated with mutual fund investments. Please read the prospectus before investing. Mutual funds are not guaranteed or insured by the Canada Deposit Insurance Corporation or any other government deposit insurer, their values change frequently and past performance may not be repeated.

® Registered trademark of SCENE IP LP, used under license.

^Δ You can use your Scene+ Points for a credit on participating Scotiabank debit card and credit card accounts that earn Scene+ Points (the “Eligible Scotiabank Scene+ Card Accounts”). Once the request to redeem Points for Credit has been submitted, you cannot cancel the request and no changes can be made. It may take up to 2-3 business days, following a request to redeem Points for Credit, for the credit to appear on the eligible Scotiabank Scene+ debit card account, and up to 5 business days for the credit to appear on the eligible Scotiabank Scene+ credit card account. Your Eligible Scotiabank Scene+ Card Account must be open at the time the credit is applied to the account to receive any Points for Credit. 

 

For credit cards:  Points for Credit redemptions will be applied towards the balance of the credit card account, and not towards a particular transaction. Please note that even if you redeem for Points for Credit you are still responsible for making any monthly minimum payment applicable to your eligible Scotiabank Scene+ credit card account by your payment due date.

^§ Less all taxes and gratuities.

^{♢^} Eligible Scotiabank credit cards provide Scene+ point accelerators ranging from 1.5X, 2X, 3X, 5X and 6X the Scene+ points on certain purchases. Visit Scotiabank.com/sceneplusrewards to learn more about the various credit card options. Terms and conditions apply.

1 R3 Marketing. (May 2024.) Key Loyalty Statistics in Canada. (Accessed April 2026.)

2 As of May 27, 2026.

3 Your Scene+ Points balance in your Scene+ Account will be reduced by the number of Scene+ Points required to obtain the desired Scene+ Point redemption level. Unredeemed Scene+ Points, plus any Scene+ Points earned in the current transaction, will remain in your Scene+ Account, and can be applied to subsequent transactions for redemptions. The following redemption limit applies to Participating Empire Locations, Cineplex theatres and other retail locations where Scene+ Points can be redeemed: Scene+ Points can be redeemed up to a maximum value of $500 per day per Scene+ Member. Read more: https://www.sceneplus.ca/terms-and-conditions

4 Eligible Scotiabank Scene+ credit cards provide Scene+ point accelerators ranging from 2X, 3X, 5X and 6X the Scene+ points on certain purchases. Visit Scotiabank.com/sceneplusrewards to learn more about the various credit card options. Terms and conditions apply. More information on https://www.scotiabank.com/ca/en/personal/programs-services/sceneplus-rewards/earn-redeem.html

5 Get up to 7 cents per litre in instant fuel discounts for a limited time and earn up to 3 cents per litre in Scene+ rewards value with an eligible Scotiabank payment card linked to a Shell Go+ Account:

 

• 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.
• Instant 4 cents per Litre Discount on Premium Fuel: Between May 26, 2026 and June 1, 2027 (“Promotional Period”), receive an instant 4 cents per litre discount on purchases of V-Power® gasoline, or V-Power® diesel (“Premium Fuel Purchases”) at participating Shell locations in Canada when you use any eligible Scotiabank credit card that earns Scene+ points linked to a Shell Go+ Account, up to a maximum of 1,000 litres per month per credit card account. This total limit resets at the start of each new month per credit card account. This promotional offer, including the Promotional Period, may be changed, extended, or withdrawn at any time without notice. These promotional offer terms are in addition to the Scotiabank Fuel Benefit Terms and Conditions.
• Earn up to 3 cents per Litre in Scene+ points Value (Equivalent) on Fuel Purchases: Each time you use your linked Scotiabank credit card that earns Scene+ points on Fuel Purchases (All Grades) at participating Shell locations in Canada, you will earn at least 1 Scene+ point per $1 spent. Plus, as a Scene+ Member you will also automatically earn 1 Scene+ point for each litre in Fuel Purchases (All Grades), and as a Shell Go+ member, automatically earn 1 additional Scene+ point for each litre in Premium Fuel Purchases, made with your linked Scotiabank credit card. This means that for every litre in fuel purchased with your linked credit card, you can earn the equivalent of up to 3 cents of redeemable Scene+ points value based on a redemption value of $10 for every 1,000 Scene+ points redeemed for fuel purchases at participating Shell locations. 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 10 cents per litre assumes a Premium Fuel Purchase made with an eligible Scotiabank Credit card linked to a Shell Go+ Account. Actual value will vary depending on payment card used and whether or not the card is linked, fuel grade purchased, and how you choose to redeem your Scene+ points.

6   The Scene+ Travel website and call center are owned and operated by Expedia Group, a third-party travel service provider (the “Scene+ Travel Partner”). To earn or redeem Points, travel and things to do must be booked through the Scene+ Travel website or Scene+ Travel call centre. Prices are in Canadian dollars unless otherwise specified. Prices and points requirement are available on the website, and subject to change. The Scene+ Travel Partner may impose terms and conditions that supplement the ‘Additional Terms and Conditions for Scene+ Travel’ included in the Scene+ Program Terms and Conditions. Scene LP and its owners are not responsible for the products and services made available to you by third parties. 

 

Earning Scene+ Points for Scene+ Travel purchases: Scene+ points are earned on eligible travel and Things to Do purchased through Scene+ Travel website or call centre (collectively “Scene+ Travel)”. Scene+ Points are earned on the total value of things to do, hotel or car rental booking purchases (including taxes and fees) made through Scene+ Travel regardless of the payment method used for the purchase (Scene+ points redemption and/or payment card purchases). Points earned will be added to your Scene+ account within six weeks from the completion of your travel itinerary.

 

Paying for your eligible Scene+ Travel purchase: Points may be redeemed for the entire amount of the things to do, flight, hotel or car rental booking purchases (including taxes and fees), or redeemed in part with the remaining balance paid by an available payment card.

 

Additional Scene+ Travel Program Terms and Conditions. Click here for details.

7 *Some exclusions and limitations apply.
^ Up to a maximum of 10,000 points ($100) per transaction. Daily maximums may apply.

8 Scene+ points on prescriptions is only in provinces where loyalty offers are permitted by law: NS, SK and MB. Earn 2 Scene+ points on every $1 spent on the full cost of prescriptions. Maximum of 5000 points per day. See terms & conditions for restrictions.

9 ^# Offers available at Home Hardware, Home Hardware Building Centre, Home Building Centre, and online at homehardware.ca. Valid on qualifying products and services, including any portion of the transaction paid in points, minus all applicable taxes, delivery charges and excluded services.

Scene+ points on prescriptions is only in provinces where loyalty offers are permitted by law: NS, SK and MB. Earn 2 Scene+ points on every $1 spent on the full cost of prescriptions. Maximum of 5000 points per day. See terms & conditions for restrictions.

10 Members earn Scene+ Points for every $1.00 spent (excluding taxes and gratuities) rounded to the nearest whole Point.  Scene+ Points may be redeemed for every penny spent (including taxes, but excluding gratuities). Points may be earned or redeemed on alcohol, unless prohibited by law.  Points are not earned or redeemable on group bookings.  Only one Scene+ Membership Card may be used per transaction. Additional restrictions may apply. Go to https://www.cineplex.com/scene for details.

Scene+ points on prescriptions is only in provinces where loyalty offers are permitted by law: NS, SK and MB. Earn 2 Scene+ points on every $1 spent on the full cost of prescriptions. Maximum of 5000 points per day. See terms & conditions for restrictions.

11 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 (visaairportcompanion.ca) 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.

12 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 (visaairportcompanion.ca) 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.

13 We will not charge you Foreign Transaction Fees on foreign currency transactions, including purchases, only the exchange rate applies. The term “Foreign Transaction Fees” is a substitute for “Foreign Currency Conversion” as described in the Disclosure Statement you received with your Card. This fee relates to the 2.5% mark-up that is typically charged by credit card issuers in addition to the exchange rate. See the Foreign Currency Conversion section of the Disclosure Statement for this Card for full details. Rates and fees are subject to change.  

14 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 Card 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 Card 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 Card Account (the earn rates for each of the above categories and merchants are referred to as the “Accelerated Earn Rates”). For a current list of eligible select streaming services, contact Scotiabank at 1-888-860-7093 or through the “Connect with Scotia chat” option on the Scotia app. 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 Card 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® 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 Card 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 Card 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.     

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

 

Accelerated Earn Rates: You will earn accelerated earn rates on the following eligible purchases charged to the Account:

 

Grocery Stores
You are awarded two (2) Scene+ Points for every eligible $1.00 purchase made at Sobeys, Safeway, participating IGA, Foodland, Foodland & Participating Co-ops, FreshCo, Chalo! FreshCo, Thrifty Foods, Rachelle Béry, Les Marchés Tradition, Voilà by Sobeys, Voilà by Safeway and Voilà par IGA locations charged and posted to the Scotiabank Scene+ Visa 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.

 

Home Hardware Stores
You are awarded two (2) Scene+ Points for every eligible $1.00 purchase made at eligible Home Hardware, Home Building Centre, Home Hardware Building Centre, Home Furniture locations in Canada and online at homehardware.ca charged and posted to the Scotiabank Scene+ Visa Account. The list of eligible locations may be changed from time to time without notice.  See full list of eligible locations across Canada at scotiabank.com/participatingstores.

 

Cineplex
You are awarded two (2) Scene+ Points for every $1.00 purchase made at Cineplex theaters, the Cineplex App and online at cineplex.com charged and posted to the 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.

16 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.

 

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.

 

The Ultimate Package monthly account fee is waived if a minimum daily closing balance of $6,000 is maintained for the entire month in the Ultimate Package account. If the minimum daily closing balance of $6,000 is not maintained for the entire month in the Ultimate Package account but you have a Total Relationship Balance of $100,000 or more for the entire month, the monthly account fee of the Ultimate Package account will be either waived, or charged then rebated within the first 10 business days of the following month. This Ultimate Package monthly account fee waiver is limited to one waiver or rebate per client per month. For joint Ultimate Package accounts, the Total Relationship Balances are calculated separately for each accountholder and the monthly account fee will be waived or rebated if any one of the joint accountholder’s Total Relationship Balance is $100,000 or more.  The Ultimate Package account must have sufficient funds to cover any fees, including the monthly account fee.  

Total Relationship Balance: for any day, the sum of daily closing balances for that day in your eligible Scotiabank chequing accounts, savings accounts, GICs, and Mutual Funds including Scotia Registered Accounts and Scotia Investment Accounts (as defined in the Investment Companion Booklet) (“Eligible Accounts”) linked to your retail client profile for which you hold your Ultimate Package. A complete list of the Eligible Accounts is found at www.scotiabank.com/TotalRelationshipBalance and Eligible Accounts include sole and joint accounts. For Mutual Funds, your daily closing balance is based on market value. For GICs where interest is paid before maturity, your daily closing balance is equal to the principal amount less the amount of all partial redemptions plus any accrued and unpaid interest up to that date. For GICs where interest is compounded, your daily closing balance is equal to the principal amount less the amount of all partial redemptions plus compound interest earned, plus interest accrued and unpaid up to that date.  For eligible non-Canadian dollar accounts, the balance will be determined based on the daily exchange rate determined by us and shown in Canadian Dollars. 

 

Exclusions: All non-personal accounts and accounts held at Scotia McLeod, iTrade and/or any account type that is not in this list found at www.scotiabank.com/TotalRelationshipBalance are excluded from the Total Relationship Balance. 
 

If a transaction is recorded retroactively in the Eligible Account (“Backdated Transaction”), the Backdated Transaction will not retroactively change your Total Relationship Balance that was used to determine the eligibility for the monthly account fee waiver or rebate. In other words, we will consider the eligibility of the monthly account fee waiver or rebate only once at the end of any given month and will not reconsider even though a Backdated Transaction was retroactively recorded. 
 

By opening your Ultimate Package account, you consent for The Bank of Nova Scotia to review your Eligible Accounts held at the Bank of Nova Scotia (“Eligible BNS Accounts”) as well as Eligible Accounts held at Scotia Securities Inc. (“Eligible SSI Accounts”), including the balances held at both Eligible BNS Accounts and Eligible SSI Accounts (including your sole account balances and any joint account balances you hold with other account holders) for the purpose of evaluating, calculating, and investigating the Total Relationship Balance tier applicable to your Ultimate Package. 
 

Privacy Statement: If you have a joint Ultimate Package account and it receives a monthly account fee waiver based on the Total Relationship Balance, the other Ultimate Package joint accountholder may be able to infer that you hold a qualifying balance and/or have other products with us. This is because the Total Relationship Balance includes the balances held individually or jointly in other Eligible Accounts. If you prefer not to have the individual balances in your Eligible Accounts considered for the monthly account fee waiver eligibility on a joint account, please speak with your advisor or visit a branch to explore alternative banking options that may better suit your privacy preferences.

17 You are awarded one (1) Scene+ Point for every $1.00 purchase made at Cineplex theaters, the Cineplex App and online at cineplex.com charged and posted to the Account.     

 

Scene+ ScotiaCard® debit card: Earn 1 Scene+ Point for every $5 on debit purchases (up to a maximum of 300 points per transaction and 600 points per day) made from an eligible Scotiabank chequing or savings account using your Scene+ ScotiaCard debit card linked to a Scene+ membership, including Interac Debit contactless and Visa Debit transactions.  Normal Interac Debit contactless transaction limits apply. Scene+ Points accumulated using your Scene+ ScotiaCard debit card will be updated within 2-3 days to the associated Scene+ account.  Scene+ points are calculated on debit card purchases, less any refunds, returns, or other similar credits.  Other conditions apply. Visit www.scotiabank.com/sceneplusrewards for full terms and conditions.   

18 Eligible Scotiabank Scene+ credit cards provide Scene+ point accelerators ranging from 2X, 3X, 5X and 6X the Scene+ points on certain purchases. Visit Scotiabank.com/sceneplusrewards to learn more about the various credit card options. Terms and conditions apply. More details on https://www.scotiabank.com/ca/en/personal/programs-services/sceneplus-rewards/earn-redeem.html

19 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 3 points and 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, payments, returns, refunds or other similar credits, fees or interest or other charges. All dollar amounts are in Canadian currency unless otherwise stated.

20  Priority Pass™ membership includes access to airport lounges participating in the Priority Pass program. Certain terms, conditions and exclusions apply. Unless cancelled, Priority Pass membership automatically renews on its anniversary date. Priority Pass membership will be cancelled if your Scotiabank Platinum American Express Card is cancelled. 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). The first 10 lounge visits for the primary Cardholder and the first 4 lounge visits for the supplementary Cardholder per 12-month cycle from date of enrolment are complimentary. Beginning with the 11th visit for the primary Cardholder and the 5th visit for the supplementary Cardholder, each additional lounge visits exceeding your complimentary benefit entitlement will be charged at the prevailing retail rate which can be found at https://www.prioritypass.com/join-prioritypass. Priority Pass membership and services are provided by a third party. The Bank of Nova Scotia is not responsible for the Priority Pass membership or services. All fees, features and benefits are subject to change. For complete Priority Pass terms and conditions, please visit https://www.prioritypass.com/Conditions-of-use.   

21  Scene+ Points are awarded for purchases charged to your Scotiabank Platinum American Express Credit Card Account (“the Account”). The regular earn rate is two (2) Points per $1.00 in purchases charged and posted to the Account.  

 

Eligibility: Only purchases earn Scene+ Points. Cash advances (including Balance Transfers, Scotia® Credit Card Cheques 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.

22 Cardholders with a valid Canadian issued Visa Infinite Privilege Card have access to participating lounges within the Visa Airport Companion Program (“Program”), hosted and managed by Dragonpass International Ltd. Cardholders must enrol for this benefit either through the Visa Airport Companion App (available to download for free) or on the Program Website (visaairportcompanion.ca) using a valid Canadian issued Visa Infinite Privilege Card. Upon enrollment, 10 complimentary visits will be available for the Cardholder per membership year; the complimentary visits can be used by the Cardholder for themselves and for their accompanying guests at participating lounges. All additional visits beyond the complimentary visits are subject to a fee of $32 USD (subject to change) per person per visit. Applicable lounge access charges will be billed to the Visa Infinite Privilege Card connected to the Cardholders’ Program membership. Unless suspended or cancelled, the Program membership and any included complimentary lounge visits (if applicable) will automatically renew annually on the anniversary date (e.g. when the Cardholder enrolled for the Program). To view a full list of participating airport lounges, their facilities, opening times and restrictions Cardholders can visit the Program App and Website for more information. Cardholders who participate in the Program are subject to the DragonPass Terms of Use, Terms of Service and Privacy Policy and Visa’s Privacy Notice. To view the full Terms and Conditions for the Program, please visit the Program App or Website. The Program services and benefits are provided by DragonPass and applicable third party offer providers and neither Visa nor the Issuer is responsible for any claims or damages arising from participation in the Program.   

23  Travel purchases made by the primary cardholder on a Scotiabank Passport Visa Infinite Privilege credit card account (the “Account”) will be eligible for a one-time, $250 CAD annual travel credit in each annual period of the Account (the “Annual Travel Credit”). The annual period (the “Annual Period”) starts from the Account open date or if a switch from an existing Scotiabank Visa credit card account then from effective switch date and resets every 12 months thereafter at anniversary open or switch date, as applicable. The Annual Travel Credit will be applied to the Account after the first purchase in that Annual Period of any flight, hotel, car rental, packages or things to do (also referred to as activities bookings) in a single transaction made only through Scene+ Travel, Powered by Expedia in the amount of $250 CAD (or more) (including taxes and excluding any Scene+ point redemptions) (an “Eligible Travel Purchase”). Eligible Travel Purchases exclude any returns, refunds or other similar credits. Eligible Travel Purchase must be posted in its entirety on the Account. Eligible Travel Purchase must be a single travel transaction made in one day (24 hour period) of $250 CAD or more (including taxes) (not a sum of transactions completed in one or more days) posted to the Account. The dollar value of any Scene redemption will be deducted from the amount of the Eligible Travel Purchase and must still equal to $250 CAD (or more) after such redemption. The amount of any insurance purchases (even if related to the Eligible Travel Purchase) do not qualify towards the amount ($250 CAD or more) of the Eligible Travel Purchase. In most cases, the Annual Travel Credit should be credited to the Account approximately on the next statement period after the Eligible Travel Purchase has been posted to the Account. The Annual Travel Credit will expire on the last day of each anniversary open or switch date (e.g. anniversary date is January 15th, 2025, it expires on January 14th, 2026) and cannot be carried forward. To receive the Annual Travel Credit the Account must be open, active and in good standing at time of credit to the Account. Good standing means the Account is not past due, overlimit and no cardholder on the Account is in breach of the agreement that applies to the Account (including the Revolving Credit Agreement). Embedded Insurances will apply to the ticket/purchase if the Annual Travel Credit is applied.    

The Scene+ Travel website and call center are owned and operated by Expedia Group, a third-party travel service provider (the “Scene+ Travel Partner”). To earn or redeem Points, travel and things to do must be booked through the Scene+ Travel website or Scene+ Travel call centre. Prices are in Canadian dollars unless otherwise specified. Prices and points requirement are available on the website, and subject to change. The Scene+ Travel Partner may impose terms and conditions that supplement the ‘Additional Terms and Conditions for Scene+ Travel’ included in the Scene+ Program Terms and Conditions. Scene LP and its owners are not responsible for the products and services made available to you by third parties.

Earning Scene+ Points for Scene+ Travel purchases: Scene+ points are earned on eligible travel and Things to Do purchased through Scene+ Travel website or call centre (collectively “Scene+ Travel)”. Scene+ points are earned on the total value of Things to do, hotel or car rental booking purchases (including taxes and fees) made through Scene+ Travel regardless of the payment method used for the purchase (Scene+ points redemption and/or payment card purchases). Points earned will be added to your Scene+ account within six weeks from the completion of your travel itinerary.

 

Paying for your eligible Scene+ Travel purchase: Points may be redeemed for the entire amount of the things to do, flight, hotel or car rental booking purchases (including taxes and fees), or redeemed in part with the remaining balance paid by an available payment card.

For additional Scene+ Travel Program Terms and Conditions visit sceneplus.ca/terms-and-conditions.
 

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.

24  We will not charge you Foreign Transaction Fees on foreign currency transactions, including purchases, only the exchange rate applies. The term “Foreign Transaction Fees” is a substitute for “Foreign Currency Conversion” as described in the Disclosure Statement you received with your Card. This fee relates to the 2.5% mark-up that is typically charged by credit card issuers in addition to the exchange rate. See the Foreign Currency Conversion section of the Disclosure Statement for this Card for full details. Rates and fees are subject to change.

25  You must be an eligible Visa Infinite Privilege Cardholder with a valid Visa Infinite Privilege card to take advantage of the Visa Infinite Privilege Airport Benefits & Services. Visa Infinite Privilege Airport offer is subject to availability. Discounts and benefits are non-transferable and discounts cannot be combined with any other offer or discount. Visa reserves the right to modify or cancel this offer at any time and without notice. For more information, including airport-specific benefit details and conditions, please visit visa.ca/infiniteprivilege.     

26   ACCELERATED EARN RATES:

Travel Purchases: You are awarded three (3) Scene+ Points for every eligible $1.00 in travel purchases charged and posted to the Scotiabank Passport Visa Infinite Privilege credit card account (the “Account”). Travel purchases are those purchases identified further below under the “Merchant Classifications”.    

 

Earning Scene+ Points on Scene Program Card

You may earn Scene+ Points on the total value of your purchase made using Scene+ Travel, including taxes and fees, whether it was made using Scene+ Points or a payment card (including a Program Card) or a combination of the two. Any Scene+ Points earned on a travel purchase using Scene+ Travel will be applied to your Scene+ Account within 6 weeks after you have completed your itinerary.
 

• Hotels: 3 Scene+ Points per $1 spent;
• Car Rental: 3 Scene+ Points per $1 spent
• Things to Do: 3 Scene+ Points per $1 spent

The earn rates on Scene+ Travel may be changed.
 

Dining and Entertainment Purchases: You are awarded two (2) Scene+ Points for every eligible $1.00 purchase on all dining and entertainment purchases charged and posted to the Account (the earn rates for each of the categories are referred to as the “Accelerated Earn Rates”).

 

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

 

Merchant Classifications: You will earn the Accelerated Earn Rates on purchases made on your account at merchants classified in the Visa credit card network with a Merchant Category Code (“MCC”) in the “Travel” category (the “travel purchases”) (including Airlines and Air Carriers, Car Rental Agencies, Lodging – Hotels, Motels, Resorts, Local and Suburban Commuter Passenger Transportation, including Ferries, Passenger Railways, Taxicabs and Limousines, Bus Lines, Steamship and Cruise Lines, Airlines and Air Carriers – Not Elsewhere Classified, Travel Agencies and Tour Operators, Tolls and Bridge Fees, Transportation Services – Not Elsewhere Classified, Lodging – Hotels, Motels, Resorts, Central Reservation Services not elsewhere classified, Timeshares, Trailer parks and Campgrounds, Automobile Rental Agency and Motel Home and Recreational Vehicle Rentals ); or in the “Dining” category (“Dining Purchases”) (including Eating Places and Restaurants, Drinking Places and Fast Food Restaurants); or in the “Entertainment” category (the “Entertainment Purchases”) (including Motion Picture Theatres, Ticket Agencies and Theatrical Producers, Ticket Agencies, Bands, Orchestras, Miscellaneous Entertainers - Not Elsewhere Classified, Tourist Attractions and Exhibits, Aquariums, Seaquariums, Dolphinariums, and Zoos categories). MCC are set by the Visa credit card network associated with your Account and must be recognized by Scotiabank’s system as set out in the Scene+ Program terms and conditions. MCC are subject to change.

 

Purchases at merchants where these categories are not their primary business do not qualify. 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 that may not be classified with an MCC under the Accelerated Earn Rate categories of Travel, Dining and Entertainment and such purchases will not earn the Accelerated Earn Rates on the Account as applicable.

 

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 scotiabank.com/sceneplus for full program details.

 

All dollar amounts are in Canadian currency unless otherwise stated.

27   You are awarded three (3) Scene+ Points for every eligible $1.00 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 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.

 

Additionally, you are awarded two (2) Scene+ Points for every eligible $1.00 purchase all other grocery (not listed above), dining, entertainment, gas, daily transit and select streaming services charged and posted to the Scotiabank American Express Account (the “Account”) (the earn rates for each of the above categories and merchants are referred to as the “Accelerated Earn Rates”). For a current list of eligible select streaming services, contact Scotiabank at 1-888-861-5443 or through the “Connect with Scotia chat” option on the Scotia app. You are awarded one (1) Scene+ Point for every $1.00 in all other purchases of goods and services charged to the Scotiabank American Express Account (the “Regular Earn Rate”). 

 

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 American Express Card applies to the first $50,000 in purchases charged to the Scotiabank 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 American Express Account.

 

Eligibility: Only purchases earn Scene+ Points. Cash advances (including Balance Transfers, Scotia† Credit Card Cheques 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.