Note: We are no longer issuing new ScotiaGold Passport® Visa* Cards. The information described here is solely for existing Cardholders.
Is this Credit Card right for you?
Right for you if you:
- Want to obtain a convenient and secure payment method for everyday purchases, that can also help you to build your credit history if you make at least your minimum payments on time each month
- Want an interest free grace period on purchases
- Value the rewards and benefits that can be earned with this Card and willing to pay an annual fee
May not be right for you if you:
- Will be carrying an outstanding balance for a long period of time or using it for debt consolidation
- Rarely travel or want travel insurance
- Prefer cash back rewards
Fees, rates & other information
|Interest rates6||19.99% on purchases
22.99% on cash advances, balance transfers and Scotia Credit Card Cheques
|Minimum credit limit6||$5,000|
|Each supplementary Card6||$30/year|
What's included with your Card
Great reasons to get this card for your everyday purchases
Earn Scene+ points and cash back
- Earn 1 Scene+ point on every $1 spent.
- Book your travel through Scene+ Travel3 and earn 5% cash back5 on the cost of your trip.
- Access to special offers, merchandise, rewards and more
Peace of mind for every trip
- Travel with confidence on every trip with our comprehensive travel insurance coverage
Scene+ Program Terms and Conditions
See your travel rewards and save
Scene+ makes every experience more rewarding.
Scene+ is our enhanced rewards program that allows members to earn and redeem points for travel, shopping, dining and more.
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.§
We are no longer issuing new ScotiaGold Passport® Visa* Cards. The information described here is solely for existing Cardholders.
Manage your credit card
Offer Description and Conditions: The 5,000 Scene+ Bonus Points Offer (the “Offer”) applies only to new ScotiaGold Passport Visa credit card accounts (“Account”) opened by October 31, 2022 subject to the conditions below. To qualify for the Offer, your first eligible purchase must be posted to the Account within 2 months of the Account open date. Eligible purchases include purchases (less any refunds, returns or other similar credits) but do not include payments, cash advances (including balance transfers, Scotia® Credit Card Cheques or cash-like transactions), interest, fees or other charges. The bonus points will be credited within approximately 2-3 business days after the first eligible purchase is posted to your Account provided the Account is open and in good standing. The Account is considered in good standing if it is not past due or over limit and the Cardholder(s) is not in breach of the Revolving Credit Agreement that applies to the Account. Offer may be changed, cancelled or extended at any time without notice and cannot be combined with any other offers.
Eligibility and Exclusions: Individuals who are currently or were previously primary or secondary cardholders of a Scotiabank personal credit card in the past 2 years, including those that switch from an existing Scotiabank personal credit card, as well as employees of Scotiabank, are not eligible for the Offer. Subject to the above exclusions, Scotiabank small business credit cardholders are eligible for the Offer.
Rates and Fees: The current annual fee is $110 for the primary card and $30 for each additional supplementary card. The current preferred annual interest rates for the Account are: 19.99% on purchases and 22.99% on cash advances (including balance transfers, Scotia® Credit Card Cheques and cash-like transactions).
All rates, fees, features and benefits are subject to change.
Points are not awarded for cash advances, Scotia® Credit Card cheques, credit vouchers, returns, payments, annual membership or card fees, interest charges or service transaction charges.
The Scene+ Travel website and call center are owned and operated by Expedia Group, a third-party travel service provider (the “Scene+ Travel Partner”). To earn or redeem Points, travel must be booked through the Scene+ Travel website or Scene+ Travel call centre. Travel booked via the Scene+ Travel call centre may be subject to a booking fee. Prices are in Canadian dollars unless otherwise specified. Prices and points requirement are available on the website, and subject to change. The Scene+ Travel Partner may impose terms and conditions that supplement the ‘Additional Terms and Conditions for Scene+ Travel’ included in the Scene+ Program Terms and Conditions. Scene LP and its owners are not responsible for the products and services made available to you by third parties.
Earning Scene+ Points for Scene+ Travel purchases: Scene+ points are earned on eligible travel purchases made through Scene+ Travel website or call centre (collectively “Scene+ Travel)”. Scene+ Points are only earned on the total value of hotel or car rental booking purchases (excluding taxes and fees) made through Scene+ Travel regardless of the payment method used for the purchase (Scene+ points redemption and/or payment card purchases). Points earned will be added to your Scene+ account within six weeks from the completion of your travel itinerary.
Paying for your eligible Scene+ Travel purchase: Points may be redeemed for the entire amount of the hotel or car rental booking purchases (including taxes and fees), or redeemed in part with the remaining balance paid by an available payment card.
Apply Points to Travel redemptions are only permitted towards an eligible travel purchase charged to a Scotiabank credit card or debit card that earns Scene+ Points. Redemptions must be requested through sceneplus.ca or the Scene+ app within 12 months of the travel purchase transaction date. Minimum Scene+ Point redemption thresholds apply. For full terms and conditions, click here.
Cash Back Rebate on Travel Purchases made through Scene+ Travel (ScotiaGold Passport Visa Card or ScotiaGold Passport for business Visa Cards only) ScotiaGold Passport Visa Card accounts or ScotiaGold Passport for business Visa Card accounts can earn 5% in cash back (the “Cash Back Rebate”) on the amount of travel purchases made on their Program Card Account if:
1. the travel purchase is made through Scene+ Travel; and
2. the entire amount of the travel purchase is charged to the ScotiaGold Passport Visa Card account or ScotiaGold Passport for business Visa Card account.
Eligible purchases that can earn the Cash Back Rebate are limited to: airline tickets, car rentals and hotels booked through Scene+ Travel.
When using a combination of Scene+ Points and a ScotiaGold Passport or ScotiaGold Passport for business Visa Card to redeem points for a travel purchase through the Scene+ Travel Service, the Cash Back Rebate is applicable only to the portion of the travel purchase that is charged to the ScotiaGold Passport Visa Card or the ScotiaGold Passport for business Visa Card accounts, not any amount of the travel purchase for which a Scene+ Points redemption is applied.
A Cash Back Rebate can take up to 6 weeks post travel to be posted to your Program Card Account.
For current rates and information on fees and interest cost, call 1-888-882-8958. Interest rates, annual fees and features are subject to change without notice. Learn more about credit card fees and interest rates.
Under all insurance coverages or services, certain limitations, restrictions and exclusions apply, including a pre-existing condition exclusion for certain benefits. Please see the Certificates of Insurance for full coverage details. Coverages are underwritten by The Manufacturers Life Insurance Company and its wholly owned subsidiary First North American Insurance Company. The Bank of Nova Scotia is not an insurer. All insurance claims must be forwarded to the insurance providers.
All Scotiabank retail credit cards, except ScotiaLine Visa card, will have Visa payWave when issued or reissued. Visa payWave™
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 ScotiaGold Passport® 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 underwritten by Chubb Life Insurance Company of Canada 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.
Click to Pay is an online checkout solution provided by a third party that supports American Express, Mastercard and Visa cards and is based on EMV® SRC Specifications. The Bank of Nova Scotia is not responsible for this service.
Scotia SelectPay Conditions apply. Review Terms and Conditions for full details or visit scotiabank.com/selectpay to learn more.