Our Revolving Credit Agreement is being updated
Effective August 1, 2019
The Minimum Payment for Quebec Residents is changing
Effective August 1, 2019Learn More, The Minimum Payment for Quebec Residents is changing
Scotia Rewards point for every $2 spent on every eligible purchase1
Book and redeem for travel anywhere, anytime, with no travel restrictions2,3
Enjoy special offers and rewards.
Great reasons to get this card for your everyday purchases
Earn easily, every day
Get 1 Scotia Rewards point for every $2 you spend on every eligible purchase.
Book travel and redeem easily
Use your Card and book travel through Scotia Rewards Travel Service, our full-service travel agency.
Redeem for travel anywhere, anytime, with no travel restrictions.
Access to special offers, merchandise, rewards.
Scotiabank Rewards Program Terms and Conditions
Fees, Rates & Other Information4
0.0 each Supplementary Card
19.99 / 22.99
19.99 on purchases. 22.99 on cash advances, balance transfers and Scotia Credit Card Cheques
Your card comes with benefits
The easy-to-use Scotia Rewards Visa Card comes with lots of room for flexibility.
Book and redeem easily
Book and redeem any flight for any time through Scotia Rewards Travel Service, a full-service travel agency. Plus, take advantage of the Best Price Guarantee on airfare5.More Details, Book and redeem easily
Special Offers with Scotia Rewards Travel Advantage6
Your Card extends to you extraordinary discounts, offers, special amenities and privileges. Visit Scotia Rewards to take advantage today.More Details, Special Offers with Scotia Rewards Travel Advantage6
Beyond Travel Rewards
Reward yourself and choose from a wide selection of merchandise and gifts by visiting Scotia Rewards
Scotia Rewards & SCENE® Points Conversion13
You can convert your Scotia Rewards points to SCENE or your SCENE points to Scotia Rewards points instantly, anytime you want. Remember that you must have a SCENE account to convert Scotia Rewards points to SCENE points and please review the rate conversions.
Visit scotiarewards.com and see the Conversion Program terms and conditions for more details.
Save on Car Rentals
As a Scotiabank Rewards 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 Scotiabank Rewards Visa card.More Details, Save on Car Rentals
Enjoy all the benefits
Save time at the checkout
Tap your Scotiabank Rewards® Visa Card or your smartphone for quick easy payments.More Details, Save time at the checkout
Get a Supplementary Card
Add an additional Supplementary Cardholder to your Scotiabank Rewards® Visa Card. One account, multiple cards. Added benefits! Get an additional Card for a friend or family member9More Details, Get a Supplementary Card
Feel reassured (Optional protection)
Your finances can have added protection from some of life's unpredictable events, like disability, job loss, strike or lockout, critical illness or loss of life.More Details, Feel reassured (Optional protection)
You are awarded 1 point per $2.00 in purchases of goods and services charged to your Scotiabank Rewards VISA account. Points are not awarded for cash advances, Scotia®* Credit Card Cheques, Scotia Rewards Dollars, returns, payments, casinos and gambling, annual membership or card fees, interest charges or service transaction charges.
Scotia Rewards Travel Service and Travel Booking Site provided by a duly licensed 3rd party travel agent HRG (Hogg Robinson Group).
You can purchase eligible travel or related travel expenses at a travel provider other than the Scotia Rewards Travel Service (e.g., other travel agencies, tour operators and online travel websites) (the “Other Travel Suppliers”). These types of purchases at Other Travel Suppliers are called “Post Purchase Travel Redemptions”. Scotia Rewards points are redeemable for Post Purchase Travel Redemptions made through your Program Card. To redeem Scotia Rewards points for a Post Purchase Travel Redemption at Other Travel Suppliers, the purchase must first appear (post) on the Program Card Account. Scotia Rewards Cardmembers can then redeem points towards the amount of the Post Purchase Travel Redemption charged to the Program Account through scotiarewards.com or by calling 1-800-665-2582. The Post Purchase Travel Redemption must be charged on your Program Card Account and recognized by our systems with the Merchant Category Codes or identifiers: airlines & air carriers – 4511; airports, flying fields, and airport terminals – 4582; lodgings, hotels, motels and resorts – 7011; trailer parks and campgrounds – 7033; passenger railways – 4112; bus lines – 4131; steamship and cruise lines – 4411; travel agencies and tour operators – 4722; automobile rental agency – 7512; motor home and recreational vehicle rentals – 7519. These Merchant codes/identifiers and categories are subject to change. The Post Purchase Travel Redemption can include related taxes, booking fees, airport fees and travel insurance premiums. You must redeem Scotia Rewards points within 12 months from the date when the Post Purchase Travel Redemption is posted to the Program Card Account (the posting date). It may take up to two statement periods for the points redeemed towards a Post Purchase Travel Redemption to appear as a credit on your Program Card Account. Points redeemed cannot be reversed once posted to the Account. To redeem Scotia Rewards Points towards your Post Purchase Travel Redemption, the Program Card Account must be open and in good standing. The value of the points redeemed cannot exceed the amount of the Post Purchase Travel Redemption charged to your Program Card Account. The minimum point redemption is 5,000 points (5,000 points is equivalent to $50 in travel savings) each time a redemption towards a Post Purchase Travel Redemption is made.
Best available price guarantee on airfares is provided by HRG and is only available within 24 hours of time of booking. All offers are based on availability. Offers are subject to merchants’ standard booking requirements, terms, and conditions. Offer cannot be combined with other offers, promotions, discounts, or programs, and may not be redeemed for cash. Complete terms and conditions are available at scotiarewards.com. The Bank of Nova Scotia is not responsible for the best available price guarantee.
Travel Advantage is supplied by a third party (currently Hogg Robinson Canada Inc. (HRG) and subject to change).
All Scotiabank retail credit cards, except ScotiaLine Visa card, will have Visa payWave when issued or reissued.
Apple Pay works with iPhone 6 and later in stores, apps, and websites in Safari; with Apple Watch in stores and apps; with iPad Pro, iPad Air 2, and iPad mini 3 and later in apps and websites; and with Mac in Safari with an Apple Pay enabled iPhone 6 or later or Apple Watch. For a list of compatible Apple Pay devices, see https://support.apple.com/km207105
The Primary Cardholder on the Scotiabank Rewards® Visa Card Account (the “Account”) is responsible for all charges to the Account including those made by the additional Supplementary Cardholder.
Scotia Credit Card Protection is a group insurance policy underwritten by Chubb Life Insurance Company of Canada. All coverage is subject to terms and conditions including limitations and exclusions which are outlined in the Certificate of Insurance which you will receive upon enrolment.
20% of your outstanding credit card account balance for up to 10 months up to a maximum of $5,000 per month and a total maximum of $50,000 if you are unable to work due to involuntary Job Loss, Strike or Lockout or become disabled.
Critical Illness, Disability, Job Loss and Strike/Lockout coverage terminates at age 70. Life coverage terminates at age 80.
Scotia Rewards points can be converted into SCENE points and SCENE points can be converted into Scotia Rewards points. To do so, you must have a Scotiabank card account that earns Scotia Rewards points (the “Scotiabank Program Card Account”) and is in good standing, and a valid SCENE membership card. You must convert a minimum of 1,000 points per conversion. You can convert points up to a maximum of 4 times within a 24 hour period. Conversions cannot be reversed or cancelled once completed. These conversions are subject to the terms of your Points Conversion Terms and Conditions. See the Points Conversion Terms and Conditions on scotiarewards.com for full details.
Registered Trademark of The Bank of Nova Scotia
Visa Int./Licensed User.