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% after that; annual fee $29).2 Plus no annual fee in the first year.2

Scotiabank Value®  Visa* Card (for students)
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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 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.10

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: 
19.99% 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

Not sure if this is the right credit card for you?