Are you a new or existing customer?

Scotia Momentum®  
Mastercard®* Credit Card

7.99% introductory interest rate on purchases for the first 6 months (20.99% after that;  annual fee $0)1

Make everyday purchases quickly and safely with just a tap of your contactless-enabled Mastercard or device.



No annual fee3

Are you new to Canada in the past three years?

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Scotiabank Rewards Calculator

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More reasons to get this card for your everyday purchases

Gas Stations2


Grocery Stores2


Drug Stores2


Recurring Bill Payments2


Plus earn 0.5% cash back on all other eligible purchases.2

Scotia Momentum Mastercard Card Cash Back Program Terms and Conditions

MasterCard Safety Series: The Man Who Could Fly

As a Scotia Momentum Mastercard cardholder, Zero Liability protectionmeans you will not be held liable for any unauthorized purchases on your account. Have peace of mind knowing that you are protected from theft and fraudulent use of your card. Learn how Zero Liability protects you at

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Fees, Rates & Other Information3

Annual Fee


0 each Supplementary Card

Interest Rates


20.99 on purchases. 22.99 on cash advances, balance transfers and Scotia Credit Card Cheques

Credit Limit



Benefits of the Scotia Momentum Mastercard credit card

Take advantage of all the benefits of a Scotia Momentum Mastercard credit card.

Make the most of your credit card

Consolidate all your current recurring payments on your card and turn them into cash back rewards!

More details, Make the most of your credit card
Get a Supplementary card5

Add an additional supplementary card (an Authorized User card) to your Scotia Momentum Mastercard Credit Card Account. One account, multiple cards. No annual fee. Get an additional card for a friend or family member. Ask us more!5

More details, Get a Supplementary card5
Save time at the checkout

Whether you're shopping in-store or online, your Mastercard contactless card is the quick, convenient and secure way to purchase everything on your list.

More details, Save time at the checkout
Get Access to Exciting Experiences with Mastercard

As a Scotia Momentum Mastercard Credit Card cardholder, your card gives you access to handpicked experiences from Mastercard in cities around the world.

More details, Get Access to Exciting Experiences with Mastercard
Zero Liability Protection4 by Mastercard

Have peace of mind knowing that you are protected from theft and fraudulent use of your card.

More details, Zero Liability Protection4 by Mastercard
Mastercard Global Services

24-hour access to Mastercard Global Service, a Mastercard support service that's available every day of the year to help you if your card is lost or stolen.

More details, Mastercard Global Services
Mastercard Worldwide Acceptance6

Mastercard is accepted in more than 150 currencies, 210 countries and territories and at millions of merchant locations worldwide.

Costco®† Wholesale

Mastercard is the only credit card accepted at Costco warehouses in Canada.

Save on Car rentals

As a Scotia Momentum Mastercard Cardholder, you can save up to 25% off base rates at participating AVIS locations and at participating Budget locations in Canada and the U.S. when you pay with your Scotia Momentum Mastercard Credit Card.       

More details, Save on Car rentals
Feel reassured (Optional protection)

The Account Balance Protector insurance plan is an optional coverage underwritten by Canadian Premier Life Insurance Company available to Scotiabank Mastercard credit card customers that provides comprehensive insurance coverage in the event of disability, hospitalization, death, loss of employment, and other life events.

More details, Feel reassured (Optional protection)

Scotia Momentum® Mastercard®* Credit Card

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