Save time at the checkout

Visa payWave* - Save time when paying for small, everyday purchases with Visa payWave. Simply wave your card over the card reader and go!3

My Mobile Wallet is now included with the FREE Scotiabank Mobile Banking app and lets you tap your smartphone on the terminal to pay. Just look for the Visa payWave symbol at the checkout.

Apple Pay - The easy, secure, and private way to pay with your eligible Scotiabank credit cards.7

Click to PayΔ* - Paying online with your Visa card is easy, smart, and secure. Just click to pay with your Visa when you see the Click to Pay icon where your Scotiabank card is accepted.

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)1

Low Annual Fee


Convenient with Visa payWave* simply wave your card and go!3




Are you new to Canada in the past three years?

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Scotiabank Rewards Calculator

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Great reasons to get this card for your everyday purchases

2% Cash back on all eligible gas station, grocery store, drug store purchases and recurring payments.2

Plus earn 1% cash back on all other eligible purchases.2

Gas Stations2


Grocery Stores2


Drug Stores2


Recurring Bill Payments2


Plus earn 1% cash back on all other eligible purchases.2

Scotia Momentum Visa card Cash Back Program Terms and Conditions

The Scotia Momentum® suite of cash back VISA* cards

The Scotia Momentum® VISA* Infinite card suite of cash back VISA* cards

The Scotia Momentum® VISA* Infinite card, Scotia Momentum® VISA* card & Scotia Momentum® No-Fee VISA* card.

Is one of these the right card for you?

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Fees, Rates & Other Information4

Annual Fee


15 each Supplementary Card

Interest rates


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

Credit Limit



Your card comes with benefits

Take advantage of all the ways a Scotia Momentum® Visa card adds to your life.

Purchase Security & Extended Warranty Protection5

Most items purchased with your card are insured against theft, loss, or damage for 90 days from the purchase date and the manufacturer’s warranty is doubled for up to one year.

More details, Purchase Security & Extended Warranty Protection5
Start a cash flow

Make the most of your card. Consolidate all your recurring payments on your card and turn them into cash back rewards!

More details, Start a cash flow
Get a Supplementary Card

Add an additional Supplementary Cardholder to your Scotia Momentum® Visa card Account. One account, multiple cards. Added benefits! Get an additional card for a friend or family member.6

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

Tap your Scotia Momentum® Visa card or your smartphone for quick easy payments.

More details, Save time at the checkout
Save on car rentals

As a Scotia Momentum Visa 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 Visa card.       

More details, Save on car rentals

For claim forms and answers to Frequently Asked Questions, visit our partner's site.

Scotia SelectPayTM

A new, flexible way to pay off your eligible Scotiabank Visa* credit card purchases of $100 or more, with no interest rate on your plan and a low fee.§

Scotia Credit Card Protection (optional)

This optional insurance coverage can provide you and your family financial protection by paying off your outstanding account balance or helping to cover your monthly credit card payments as a result of certain unexpected life events, such as Death, Critical Illness, Hospitalization, Disability, Job Loss or Strike or Lockout.

There are two different coverage bundles to choose from:

Basic Protection 

  • Death Benefit
  • Critical Illness Benefit  
  • Hospitalization Benefit

Comprehensive Protection

  • Death Benefit
  • Critical Illness Benefit
  • Hospitalization Benefit
  • Disability Benefit
  • Job Loss Benefit
  • Strike or Lockout Benefit

Scotia Momentum® Visa* card

In Person

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takes about 8 minutes

1 (800) 747-3208
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Enjoy unique benefits, rewards, and so much more.

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