Scotiabank Value®  Visa* Card (for students)  

Save up to hundreds of dollars a year on interest.1  


0% introductory interest rate on balance transfers for the first 10 months (12.99% and then after that 13.99% starting August 1, 2024; annual fee $29).2 Plus no annual fee in the first year.2

Is this Credit Card right for you?

Right for you if you:

  • Are a student enrolled in a Canadian post secondary school and this is one of your first Credit Cards
  • 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
  • Would like the option of paying an annual fee to receive a lower interest rate 
  • Usually carry a balance on your card (consistently each month)

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
  • Have a steady income of more than $12000/year (income requirement subject to change) as you may qualify for other types of available Credit Cards 
  • Prefer cash back or reward points 
  • Don’t mind paying an annual fee to benefit from even more rewards & other benefits available with one of our other Cards 

Fees, rates & other information

Annual fee $29/year (Special offer: First-year annual fee waived)2
Low interest rates

12.99% on purchases

12.99% on cash advances (including balance transfers, Scotia Credit Card Cheques and cash-like transactions)

Minimum credit limit $500
Cost of each supplementary card $0/year

What's included with your Card

Scotia SelectPayTM

A flexible way to pay off your eligible Scotiabank Visa* credit card purchases of $100 or more, with low interest rates on your plan and no installment plan fee.10

Limited Time Offer

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

A bank account that does more, means you will too. 

Receive an annual fee waiver on select credit cards by signing up for a Preferred Package or Ultimate Package.

Get the Scotiabank Value® Visa* Card (for students)

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Scotiabank ®  Scene+™ Visa* Card for Students  

Scotiabank Scene+TM Visa Card (for students)

Earn 2x the Scene+ points on every $1 you spend at Sobeys, Safeway, Foodland, and Cineplex.4
Annual fee: $0
Interest rates:
20.99% on purchases / 22.99% on cash advances

Momentum Visa credit card

Scotia Momentum® No-Fee Visa* Card (for students)

Get up to 1% cash back on eligible purchases with no annual fee.1

Annual fee: $0

Interest rates: 19.99% on purchases / 22.99% on cash advances

Discover your credit card rewards

Enter your monthly spend details to compare Scotiabank's credit card benefits and calculate your rewards.

Use the rewards calculator

Choose the right credit option for you

Tell us about your spending and borrowing needs and we'll help you find the credit solution that's right for you.

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