Manage Your Credit Card

Activate your card

Activate your card online or call us at 1-800-806-8600. It’s quick, easy, and secure. Once activated, your card and any other cards on your account are ready to use.

Please note: only the primary cardholder can activate a credit card.

Activate your card, Activate your card
Add a supplementary card

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

Sign in, Add a supplementary card
Report lost or stolen cards

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

Switch or close your account

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

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

Make your Scotiabank credit card your payment method of choice

Simplify your online and in-app purchases by customizing your payment preferences and pay the way that you want. You can add your Scotiabank credit card to your favourite apps and online retailers where you use your card for everyday purchases and set it as your default payment method for a faster, easier checkout. There’s no need to re-enter your billing details every time you make a purchase—quickly pay and be on your way.



Credit Card Benefits: Card Convenience
See how to help simplify your purchases and bill payments

Pre-authorized or recurring bill payments

Set up pre-authorized payments1 and pay bills automatically with your Scotiabank credit card. From utilities to gym memberships or other recurring payments, set up pre-authorized payments on your Scotiabank credit card so your bills will be paid on time. No need to worry about due dates or missed payments. Plus, if you earn cash back or points with your card, you’ll earn the rewards you want even faster.

Please contact your service providers to set up automatic pre-authorized payments on your credit card. If your card is renewed or replaced, remember to advise the merchant or retailer with whom you have set up pre-authorized payments and provide them with your updated account details (i.e., new account number and expiration date).

My Mobile Wallet

Your smartphone just got smarter. With My Mobile Wallet, you can securely store your Scotiabank Visa credit card information on your smartphone and use it to pay for small, everyday purchases like coffee, gas and groceries. Simply wave your smartphone over the card reader. No plastic credit card, PIN or signature needed.

Download the app, My Mobile Wallet
Contactless payments

Contactless payment functionality is a convenient feature included on all Scotiabank credit cards. You’ll save time when paying for small, everyday purchases. Simply wave your card over a special card reader and go! No swiping, signing, or entering your PIN for most purchases at participating stores. It’s a faster way to pay.

Just look for this symbol in participating stores at the checkout.



Credit Card Benefits: The Easier Way to Pay
See how to make everyday purchases with just a tap

Visa Checkout

Make online shopping easier with Visa Checkout*. Set up your free Visa Checkout account with any Scotiabank credit card and speed through the checkout with just a username and password. No need to fill out your shipping and payment details every time you shop online at participating retailers.

Sign up for Visa Checkout, Visa Checkout
Online and mobile banking

With Scotia OnLine and Mobile Banking, it’s easy to access your credit card account information anywhere, anytime:

  • Check your current balance and account history
  • View an itemized list of transactions
  • Pay your credit card bills from your bank account
  • Check your rewards balance
  • Set up travel notifications
Activate online and mobile banking, Online and mobile banking
Go paperless

Reduce paper clutter and help save the environment by choosing paperless statements. You’ll receive your monthly statement electronically so there’s no more paper to shred or file. Plus, you can access up to 18 months of your transaction history and seven years of historical credit card statements after you sign up. 

To set your recordkeeping preferences, log in to Scotia OnLine.

Go paperless, Go paperless



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Scotia® InfoAlerts

Receive an email, text message, or in app push notification when important account activity happens.

  • Balance Alerts
    Find out when you’re near your credit limit or if your balance goes above or below a specific amount.
  • Security Alerts
    Get alerted when funds are withdrawn from your credit card as a cash advance, when a purchase exceeds the limit you’ve set, or if your card has been used online, by phone, or outside of Canada.
  • Transaction Alerts
    Be notified when your Scotiabank credit card payment is due, or if you’ve missed a payment.
It’s quick and easy to set up:

  1. Sign in to Scotia OnLine.
  2. Click the blue "Scotia InfoAlerts" link located below the "Manage My Accounts" heading on the right-hand side of the page.
  3. Click the blue "Alerts" link.
  4. Then follow the on-screen instructions to select the InfoAlerts you want to receive.

Register for Scotia InfoAlerts, It’s quick and easy to set up:
Fraud protection

Your security is important. Whether you’re using your Scotiabank credit card online or in-store, rest assured that you’re protected against unauthorized transactions. Depending on the kind of credit card you have with us, you’re covered with the  Visa Zero Liability Policy2American Express Fraud Protection Guarantee3 or Mastercard Zero Liability Protection.

While we’re committed to keeping your financial information secure, it’s also important for you to do your part to help minimize the risk of fraud and unauthorized transactions on your card.

Expand your security know-how, Fraud protection
Stay safe with these simple tips

  • Do not pick a Personal Identification Number (PIN) which is too familiar, easily identified or can be guessed by someone else, like your name, 1234, your birthdate, or your telephone number.
  • Do not write your PIN down or share it with anyone. As long as you keep your PIN confidential, only you will be able to use it. If you suspect that someone else knows your PIN, you should change it immediately.
  • Use your hand or body to shield your PIN when you’re making purchases at any checkout terminal or when using an ABM.
  • Review your monthly statements. If you notice unusual activity on your credit card, call the number on the back of your credit card and report it immediately.
  • Never let anyone use your credit card.



Credit Card Benefits: Security (American Express)

Be assured that you and your credit card account are protected from fraud, travel interruptions and more.



Credit Card Benefits: Security (Visa)

Be assured that you and your credit card account are protected from fraud, travel interruptions and more.

Add Scotia Credit Card Protection

The Scotia Credit Card Protection insurance plan is an optional insurance coverage available to Scotiabank Visa and American Express credit card customers to provide comprehensive insurance coverage that stays in place as your protection needs change. 

With one simple application, you can have financial protection from a range of life events: Disability, Job Loss, Strike or Lockout, Critical Illness or if you should pass away. A monthly benefit equal to 10%4 of your outstanding credit card account balance can be paid to your credit card account if you are unable to work4, which can pay more than your minimum monthly payment to help you pay down your balance faster. In the event of a diagnosis of a covered critical illness, or if you pass away, your outstanding credit card account balance can be paid in full, up to a maximum of $50,000. 

This comprehensive coverage is available at a monthly premium rate of only $1.09 per $100 of the average daily balance on your credit card account (plus any applicable provincial sales tax). This includes benefits for an eligible Co-Borrower on your Scotiabank credit card account, at no additional charge. The premium is conveniently charged to your credit card account to help ensure your coverage stays in place. 

If you are a resident of Canada and are at least 18 and under 705 years of age, please call 1-855-753-4272 between 8 a.m. and 8 p.m. (ET) Monday to Friday or visit for more information.

Protect yourself from the unexpected

Increase your Credit Limit

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


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

By Phone


In person

Contact your
Scotiabank Branch