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Scotia SelectPay™
Enjoy the flexibility of buying now and paying little by little.
Turn eligible credit card purchases1 of $100 or more into fixed monthly payments with Scotia SelectPay2 during checkout or after purchase.
Choose the credit card that’s right for you
Scotia SelectPay is available on select Scotiabank Visa* credit cards
Scotiabank Passport® Visa Infinite* Card
Earn up to $1,100* in value in the first 12 months, including up to 35,000 bonus Scene+ points and annual fee waived on your first supplementary card.‡
Earn 3 Scene+ points1 on every $1 you spend at Sobeys, Safeway, IGA, Foodland & Participating Co-ops and more.
Annual fee: $150
Interest rates: 20.99% purchases / 22.99% cash advances
Scotia Momentum® Visa Infinite* Card
Earn 10% cash back on all purchases for the first 3 months (up to $2,000 in total purchases).1 No annual fee in the first year, including on additional cards.1
Annual fee: $120
Interest rates: 20.99% purchases / 22.99% cash advances
Scotiabank® Scene+™ Visa* Card
Earn up to 5,000 bonus Scene+ points within your first year.2
Earn 2 Scene+ points4 on every $1 you spend at Sobeys, Safeway, Foodland & Participating Co-ops, FreshCo and more.
Earn 2 Scene+ points4 on every $1 you spend at Home Hardware.
Annual fee: $0
Interest rates: 20.99% purchases / 22.99% cash advances
Scotia Momentum® Visa* Card
Get a 2.99% introductory interest rate on balance transfers for the first 6 months (22.99% after that; annual fee $39).2
Annual fee: $39
Interest rates: 19.99% purchases / 22.99% cash advances
Scotia Momentum® No-Fee Visa* Card
Earn 5% cash back on all purchases for the first 3 months (up to $2,000 in total purchases).2 Plus, get a 0% introductory interest rate on balance transfers for the first 6 months (22.99% after that; annual fee $0).2
Annual fee: $0
Interest rates: 19.99% purchases / 22.99% cash advances
Scotiabank Value® Visa* Card
0% introductory interest rate on balance transfers for the first 10 months (12.99% after that; annual fee $29).2 Plus no annual fee in the first year.2
Save up to hundreds of dollars a year on interest.
Annual fee: $29
Interest rates: 12.99% purchases / 12.99% cash advances
Online during checkout
Online during checkout with a participating merchant.
- Click checkout and input your eligible Scotiabank Visa* Card details.
- Choose a 3, 6, or 12-month plan3 from the list, 'Eligible for installments'. Installment plans are enabled by Visa*.
- Review and agree to the Installment Plan Terms and Conditions.
- Your receipt will include your installment plan details.
- Sign into the Scotia mobile app or Scotia online banking to see your plan status after your transaction in posted (3-5 business days).
Or watch the video to learn more
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Advice+ features
Make the most of your money with the right advice
Buy Now, Pay Later plans (BNPL) and Scotia SelectPay Installment plans
Learn how installment plans on credit cards, like those available from Scotiabank through its SelectPayTM plans – can help to provide a flexible way to pay for planned and unplanned purchases (during Checkout and after Purchase).
4 tips to help organize your finances and prepare for the future
How you can better manage your cashflow to get ready for your goals.
What is a credit card installment plan and how can I make the most of it?
A credit card installment plan is a feature that can help you to pay for purchases on your credit card over a fixed period.
Start using Scotia SelectPayTM
3 ways to get started
During checkout (in-store or online) with Scotia SelectPay Installment Plan
During checkout you can choose a Scotia SelectPay installment plan for qualifying purchases at participating merchants. Installment plans are enabled by Visa*.
Get started with the Scotia mobile app
1. Download the Scotia mobile app or update it to the latest version
Scotia online banking
Start banking now from your computer, smartphone, or tablet.
1. Sign into Scotia online
In order to be eligible, the purchase must be for at least $100 in Canadian dollars (including taxes), or such other amount as we may advise you of from time to time (the “Eligible Purchase”). If we identify an Eligible Purchase after it has been posted on your credit card account in a statement period (as shown on your statement), we may make an offer to you to allow you to convert the amount of the Eligible Purchase to an Installment Plan. If you select the Eligible Purchase after it has been posted to your credit card account, you can convert it to an Installment Plan through our Scotiabank Online or Scotiabank mobile banking services. An Eligible Purchase cannot be converted until the date it is posted to your credit card account which may be different from the transaction date.
If we make an offer to you, you can convert Eligible Purchases we identify for you in the statement period in which they are first posted to your credit card account but have not yet appeared on your statement. In that case, you must convert that Eligible Purchase to an Installment Plan during the same statement period in which it was posted to your credit card account and before the credit card account’s next statement date. After that, the Eligible Purchase is no longer eligible for an Installment Plan. Your Plan will appear on your statement once it has been activated and posted to your credit card account.
Scotia SelectPay is an installment plan feature (the “Plan” or “Installment Plan” or “SelectPay”) made available on eligible personal Scotiabank Visa credit card accounts (the “Eligible Account(s)”) that allows primary cardholders to convert an eligible credit card purchase of at least CDN$100 (including taxes) posted to the Eligible Account to an Installment Plan with monthly payments over a fixed payment period (the “Installment Payment Period”) with a fixed interest rate (currently 0% interest rate) (the "Installment Rate") during the Installment Payment Period and an Installment Fee that applies to that Plan (the “Installment Fee”). The Installment Rate and Installment Fee may vary per Plan and each will be disclosed to you at the time you select the Plan. All Installment Rates and Installment Fees are subject to change and cannot be combined with any other offer.
Interest does not accrue during the Installment Plan but any unpaid remaining balance on your Installment Plan (the “Remaining Installment Amount Balance”) after the Plan ends or is cancelled by you or us will be re-applied to the balance on your Eligible Account. Your Remaining Installment Amount Balance is again eligible for an interest-free grace period. You will not pay interest on that Remaining Installment Amount Balance if we receive payment of the full balance (the “New Balance”) that appears on your statement in the month in which we re-applied your Remaining Installment Amount Balance to your Eligible Account. If you lose your interest-free grace period on the Remaining Installment Amount Balance, any applicable interest will then apply at the annual interest rate that applies to Purchases on your Eligible Account on that amount from the date of expiration or cancellation of the Installment Plan until the amount is paid in full.
Your Eligibility to convert an Eligible Purchase to an Installment Plan and the terms made available to you are subject to Scotiabank’s assessment at the time you request to convert your Eligible Purchase to a Plan. SelectPay is only available through the Scotia Mobile Banking App and Scotia OnLine to primary cardholders on an Eligible Account (with no co-borrowers).
See the full Terms and Conditions for eligible Scotiabank Visa cards, eligible purchases and additional SelectPay terms and conditions, which are subject to change