Scotia Momentum® Visa Infinite* Card

You will earn 4% Cash Back on the first $25,000 you spend annually on purchases made at merchants classified under the Visa network in the categories of:

• Grocery Stores & Supermarkets (Merchant Code 5411), Drug Stores & Pharmacies, Service Stations (with or without ancillary services) and Recurring Bill Payments. Recurring Bill Payments are defined as payments made on a monthly or regular basis automatically billed by the merchant to your Scotia Momentum® Visa Infinite* Card. Not all merchants offer recurring bill payments. (Please check with your merchant to see if they offer recurring bill payments on Visa cards.).
• Recurring Bill Payments: Recurring Bill Payments are defined as payments made on a monthly or regular basis automatically billed by the merchant to your Scotia Momentum® Visa Infinite* Card. Not all merchants offer recurring bill payments. (Please check with your merchant to see if they offer recurring bill payments on Visa cards).

You will earn 2% Cash Back on the first $25,000 you spend annually on purchases made at merchants classified under the Visa network in the categories of:

• Gas (includes Service Stations [with or without Ancillary services], and Automated Fuel Dispensers & Electric Vehicle Charging) (Merchant Codes 5541, 5542, 5552) and

• Daily Transit & Rideshare (including Local and Suburban Commuter Passenger Transportation, including Ferries, Passenger Railways, Taxicabs and Limousines, Bus Lines, Transportation Services [Not Elsewhere Classified]). (Merchant Codes 4111, 4112, 4121, 4131, 4789.).

• Food Delivery: includes transactions made via food delivery services such as Uber Eats, Door Dash and SkipTheDishes when processed under MCCs.

 

You will earn 1% cash back on purchases made after you have reached the 4% and 2% $25,000 annual spend maximum ('overflow') and on all other eligible purchases made with the Card. Purchase returns, payments, cash advances, Scotia® Credit Card Cheques, credit vouchers, card fees, interest charges or service/transaction charges do not qualify for Scotia Momentum® cash back

 

Your Account must be open and in Good Standing to earn and redeem Cash Back (including at the time of any Cash Back redemption request).

A minimum of at least $25.00 in Cash Back must be redeemed each time you request a redemption using the Cash Back Anytime redemption feature.  Only the Primary Borrower or a Co-Borrower on an Account can ask for a Cash Back anytime redemption (not a supplementary Cardholder).  If the Primary Borrower or Co-Borrower does not have an Eligible Bank Account, Cash Back will be credited to the Account. Cash Back can be redeemed through the Scotia app (mobile) or Scotia Online, once the Cash Back balance is posted/ made available (unless we permit you to redeem through another means).

 

For complete details on how to redeem Cash Back, please see the “Cash Back Program Terms and Conditions” at scotiabank.com/terms/momentuminfinite.

 

The savings of up to 25% applies to Avis and Budget base rates and is applicable only to the time and mileage charges of the rental. All taxes, fees (including but not limited Air Conditioning Excise Recovery Fee, Concession Recovery Fee, Vehicle License Recovery Fee, Energy Recovery Fee, Tire Management Fee, and Frequent Traveler Fee) and surcharges (including but not limited to Customer Facility Charge and Environmental Fee Recovery Charge) are extra. The Bank of Nova Scotia is not responsible for, and provides no representations, warranties or conditions regarding this offer or any Avis or Budget products or services, including Avis Preferred Plus membership and services and those obtained under this offer, which are governed solely by Avis’ terms and conditions. Avis Preferred Plus membership and services are provided by Avis.

Cardholders must use their eligible Canadian-issued Visa Infinite card to reserve and pay for their hotel stay through the Visa Infinite Luxury Hotel Collection website or Visa Infinite Concierge to receive Visa premium card benefits. Visa reserves the right to modify or cancel this offer at any time and without notice. The Visa Infinite Luxury Hotel Collection benefits and services are provided by the individual hotels or their operators and suppliers; neither Visa nor the Issuer is responsible for any claims or damages arising from use of the Visa Infinite Luxury Hotel Collection. For full program terms and conditions, please visit: https://privilege.luxuryhotels.visainfinite.ca/about/benefits or https://www.visa.ca/en_CA/pay-with-visa/cards/credit-cards/infinite-privilege/terms-and-conditions.html.

 

The Visa Luxury Hotel Collection (“us”, “we” or “VLHC”) guarantees the best publicly-available rates whenever an eligible Visa cardholder (“you”) books a hotel room through us, subject to terms and conditions (the “Best Rate Guarantee”). To view the full terms and conditions, visit https://www.visainfiniteluxuryhotels.ca/about/benefits

Visa Infinite Dining Series offers are available to Visa Infinite cardholders. Limit of 6 tickets per cardholder, and tickets are subject to availability. Purchased tickets must be cancelled more than 4 days before the event date for standard events, and 10 days before the event date for Prix Fixe Experiences -otherwise purchases are non-refundable. Events may be modified or cancelled, by Visa, in whole or in part at any time, for any reason, without prior notice or liability to any person. Advertised chefs and sommeliers may change without notice. Seating requests and special dietary restrictions and allergies will be considered when requested at booking, but cannot always be accommodated. Venues are not conducive to young children. Please drink responsibly. Visit visa.ca/infinite for full details and terms. Cardholders will be informed at least seven business days prior to an event of any change, postponement or cancellation. In the event of a cancellation, Cardholders will receive a full refund. Cardholders must follow all provincial guidelines and cooperate with restaurant policies. In the event a guest fails to comply with provincial or restaurant policies, the restaurant and/or Visa and its service providers reserve the right to, without any refund or compensation, terminate such person's right to attend the event. The offers described herein are only available to Canadian Visa Infinite Cardholders. The appearance by all chefs, sommeliers, and bartenders and livestream events is subject to change without notice. Offer is based on availability and additional terms and conditions may apply. Visit visa.ca/infinite for details.

 

Visa Infinite General Terms & Conditions For All Benefits

 

 You must be an eligible Visa Infinite Cardholder with a valid Canadian issued Visa Infinite card to take advantage of the Visa Infinite benefits and services. Certain benefits and services require enrollment. Offers and benefits are non-transferable and discounts cannot be combined with any other offer or discount. Neither Visa nor the Issuer of the card is responsible for any claims or damages arising from use of any benefits or services provided by a third party. Visa reserves the right to modify or cancel offers or benefits at any time and without notice. All offers, benefits and services made available through Visa are subject to complete terms and conditions, including third party suppliers’ terms and conditions, available through the Visa Infinite Concierge at 1-855-822-1240, and as set out on visa.ca/infinite. The Visa Infinite Privacy Notice applies to all benefits and services that require enrollment through, or are otherwise provided by, the Visa Infinite Concierge or the Visa Infinite website or mobile app. The collection, use and disclosure of Cardholders’ personal information by third party suppliers of services and benefits to Visa Infinite Cardholders are subject to such third parties’ own privacy policies. The Bank and its affiliates are not responsible for any services or features and benefits that are offered by, or made available by, or through third parties relating to the Account.

Eligible Visa Infinite Cardholders must be legal drinking age to participate in this benefit. Reservations are mandatory for the wineries that are flagged by a star [*] on visa.ca/infinite. Please contact the winery directly for reservations, hours of operation, blackout dates and other details. Tours, tastings, selection of merchandise, including wine, may be subject to availability. Eligible Visa Infinite card must be presented at winery and used for any program-related purchases. Wine experiences may be modified or cancelled, by Visa or wineries, in whole or in part at any time, for any reason, without prior notice or liability to any person. Please drink responsibly. Venues are not conducive to young children.

The goods and services Cardholders request or otherwise choose to obtain through the Visa Infinite Concierge Service are provided by various third party service providers unrelated to Visa. Visa does not endorse, review or qualify these service providers. Visa makes no representations or warranties (either express or implied) about, and assumes no responsibility or liability for these service providers or the goods and services that may be obtained through the Visa Infinite Concierge. Neither Visa nor the Issuer is responsible for any claims or damages arising from use of any benefits or services provided by a third party. Visa cannot guarantee the successful fulfillment of Cardholders’ requests in all instances. There is no fee for the Concierge’s services, however Cardholders are responsible for the cost of any goods or services (including any related fees or costs) authorized by the Cardholder and purchased by the Visa Infinite Concierge on the Cardholder’s behalf. All costs will be charged directly to the Cardholder’s Visa Infinite card.

Scotia SelectPay Conditions apply. Review Terms and Conditions for full details or visit scotiabank.com/selectpay to learn more

Under all insurance coverages or services, certain limitations, restrictions, and exclusions apply, including a pre-existing condition exclusion for certain benefits. The enclosed Insurance Certificates included with your Welcome Kit contain full details of all coverages including definitions, benefits, limitations, and exclusions and Terms and Conditions. Read the Certificates of Insurance and Terms and Conditions and keep them in a safe place with your other valuable documents. Underwritten by The Manufacturers Life Insurance Company (Manulife). Some portions may be underwritten by First North American Insurance Company (FNAIC), a wholly owned subsidiary of Manulife. Manulife, Manulife & Stylized M Design, and Stylized M Design are trademarks of The Manufacturers Life Insurance Company and are used by it, and by its affiliates under license. © 2025 The Manufacturers Life Insurance Company. All rights reserved. Manulife, P.O. Box 670, Stn Waterloo, Waterloo, ON N2J 4B8. The Bank of Nova Scotia is not an insurer. All claims for insurance indemnities must be forwarded to the insurers.

Scotia Credit Card Protection is underwritten by Chubb Life Insurance Company of Canada: Tel: 1-800-387-7199, Option 3, or www.chubb.com under a Group Policy issued to the Bank of Nova Scotia. All coverage is subject to the terms and conditions outlined in the Certificate of Insurance which you will receive upon enrolment.

Concierge Service provided by a duly licensed third-party premium concierge provider: AXA Assistance USA, Inc.

Registered trademark of The Bank of Nova Scotia.

Visa Int. / Licensed User.

All other trademarks are the property of their respective owners.