Scotia SelectPay

Enjoy the flexibility of buying now and paying little by little. 
Turn eligible credit card purchases of $100 or more1 into monthy installment payments over a fixed period of time 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

Travel & Lifestyle
Scotiabank Passport Visa Infinite credit card

Scotiabank Passport® Visa Infinite* Card

Earn up to $1,300+ in value in the first 12 months, including up to 40,000 bonus Scene+ points and first year annual fee waived.

 

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

Cash back
Scotiabank Momentum Visa Infinite credit card

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

REWARDS
SCENE Visa credit card

Scotiabank® Scene+ Visa* Card

Earn up to 7,500 bonus Scene+ points within your first 3 months.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

Cash back
Scotia Momentum Visa credit card

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

No annual fee
Scotia Momentum No-Fee Visa credit card

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

Low Interest
Scotiabank Value Visa credit card

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

Small Business
Scotia Home Hardware PRO Visa Business Card

Scotia® Home Hardware PRO Visa* Business Card 

Earn up to 15,000 bonus Scene+ points in your first year (that’s up to $150 in points value). 1

Earn 1 Scene+ point for every $1 spent on your credit card for eligible business purchases at Home Hardware.

Annual fee: $0
Interest rate: Competitive interest rate tied to Scotiabank's prime rate.

Paying with Scotia SelectPay is easy

Online during checkout

Online during checkout with a participating merchant.

1. Click checkout and input your eligible Scotiabank Visa* Card details.
2. Choose a 3, 6, or 12-month plan3 from the list, 'Eligible for installments'. Installment plans are enabled by Visa*.  
3. Review and agree to the Installment Plan Terms and Conditions. 

Installment Plan Terms and Conditions Effective January 29, 2024:
For the following credit card accounts opened on or after January 29, 2024  

  • Scotiabank® Scene+™ Visa*Card

Installment Plan Terms and Conditions Effective May 13, 2022:
For all other eligible credit card accounts opened before January 29, 2024   

4. Your receipt will include your installment plan details. 
5. 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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Limited Time Offer

Choose from flexible Scotia SelectPayTM installment plans on eligible Home Hardware purchases made with your eligible Scotiabank Visa* credit card, of up to 24 months with no interest and no fees on plans.

Advice+ features 

Make the most of your money with the right advice 

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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).

Woman sitting at table on laptop.

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.

Hands typing on laptop.

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.

Scotia SelectPayTM FAQs

 

Visit our Help Centre to learn more

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