Scotiabank Value^® 
Visa^* Card

The introductory 0.99% interest rate applies only to cash advances (including balance transfers, Scotia® Credit Card Cheques and cash-like transactions) (collectively “Cash Advances”) subject to the conditions below (the “Offer”). This rate applies when the new Scotiabank credit card account (“Account”) is opened by February 28, 2019 and will continue for 6 months from date of Account opening (the “Promotional Period”).  This Offer cannot be used to transfer a balance from another Scotiabank Account, or to make a payment or deposit to another Scotiabank account.  After the Promotional Period, the 0.99% interest rate on any promotional balance transfers (including any that remain unpaid after the Promotional Period ends) will increase to the preferred interest rate on Cash Advances (currently 12.99%). If you don’t pay the minimum payment on your Account by the payment due date on your statement, two times in any consecutive 12-month period, you will lose the benefit of this promotional rate Offer and the interest rates that apply on any unpaid balance will increase to the standard annual interest rates that apply to your Account (currently 25.99% on purchases and 28.99% on Cash Advances). In general, if you make a payment that exceeds the minimum payment on your statement, we will apply your payment on a proportionate basis among each group of billed charges on your Account. We group charges based on the interest rate that applies to the group of charges. Your payment cannot be applied to the balance(s) of your choice. See your credit card agreement for more information about how we apply payments to your Account.

Former or current Scotiabank credit cardholders that transfer from an existing Scotiabank credit card account or re-open a closed Scotiabank credit card account are excluded from this Offer.

The current annual fee is $29 for the primary card and $0 for each additional supplementary card.

The current preferred annual interest rates for the Account are: 12.99% on purchases and 12.99% on Cash Advances.

All rates, fees, features and benefits are subject to change. Offers may change, be extended and cannot be combined with any other offers.

All Scotiabank retail credit cards, except ScotiaLine Visa card, will have Visa payWave when issued or reissued.

For current rates and information on fees and interest cost, call 1-888-882-8958. Interest rates, annual fees and features are effective as of January 20, 2017 and are subject to change without notice. Learn more about credit card fees and interest rates.

The Primary Cardholder on the Scotiabank Value® Visa* Card Account (the “Account”) is responsible for all charges to the Account including those made by the additional Supplementary Cardholder.

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

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.

Registered Trademark of The Bank of Nova Scotia

Visa Int./Licensed User.