Recommendation Summary¹⁸

Subject to change and to credit approval. The interest rate you pay on a ScotiaLine Personal Line of Credit for Students will vary with Scotiabank Prime. Scotiabank Prime is the prime lending rate of The Bank of Nova Scotia as published from time to time. For information on the Scotiabank Prime rate, check current rates.

While you remain in school you will be required to make a minimum payment of interest only on your ScotiaLine Personal Line of Credit for Students (the “Account”) for any advance on your Account and interest will continue on your Account at the interest rate that applies to your Account on such advance from the transaction date of the advance until you pay that amount in full. 12 months after the you cease to be in school the full amount outstanding will become repayable in the form of a fixed payment loan and you will be required to make monthly principal and interest payments. Any unused credit will no longer be available for use. See your Application Disclosure Statement we provide you or speak with your Scotiabank Advisor for more information about the repayment grace period and how interest is charged to your Account.

Scotia Line of Credit protection is underwritten by The Canada Life Assurance Company.  All coverage is subject to the terms and conditions outlined in the Certificate of Insurance which you will receive upon enrolment.

You must be a Canadian citizen or permanent resident enrolled in a certificate, apprenticeship, degree or diploma program at a Canadian or American post-secondary school. MBA students may apply to all publicly funded Canadian and U.S. Universities, as well as a select group of International schools. These International schools include: INSEAD (France), London School of Business (England), IMD International (Switzerland) and Erasmus University (Rotterdam). International students enrolled in a Canadian Graduate program can apply with a co-borrower who is a Canadian citizen/permanent Canadian resident.

Registered trademark of The Bank of Nova Scotia.

Subject to credit approval and other conditions.

Subject to credit approval and security provided. The interest rate you pay on a ScotiaLine Personal Line of Credit Account is expressed as Scotiabank Prime Rate plus an adjustment factor. The interest rate you pay will vary automatically when Scotiabank's Prime Rate changes. Scotiabank Prime Rate is the prime lending rate of The Bank of Nova Scotia as published from time to time. Please click here for our current Scotiabank Prime Rate.

If you qualify then interest-only minimum payment will be the greater of the interest portion only of the outstanding balance on your statement, or $50, subject to your minimum payment being no more than the outstanding balance on your statement. In addition, amounts showing on your statement as overdue or over limit must be paid immediately and will be added to the minimum payment. Other minimum payment options may be available.

Subject to your account being in good standing and open.

Scotia Line of Credit protection is underwritten by The Canada Life Assurance Company. All coverage is subject to the terms and conditions outlined in the Certificate of Insurance which you will receive upon enrolment

All rates and fees are subject to change. For current rates and fees call 1-888-882-8958.

The savings of up to 25% applies to Avis base rates and is applicable only to the time and mileage charges of the rental. All taxes, fees (including but not limited Air Conditioning Excise Recovery Fee, Concession Recovery Fee, Vehicle License Recovery Fee, Energy Recovery Fee, Tire Management Fee, and Frequent Traveler Fee) and surcharges (including but not limited to Customer Facility Charge and Environmental Fee Recovery Charge) are extra. Avis Preferred Plus membership and services and all discounts are provided by a third party. The Bank of Nova Scotia is not responsible for, and provides no representations, warranties or conditions regarding this offer or any Avis or Budget products or services, including Avis Preferred Plus membership and services and those obtained under this offer, which are governed solely by Avis’ and Budget’s respective terms and conditions.

The interest rate for the Scotia RSP Catch-Up Line of Credit is Scotiabank Prime +1% if the RSP contribution is invested with a Scotiabank Group Member or any other Financial Institution.

The interest rate you pay on a Scotia RSP Catch-Up Line of Credit will vary with Scotiabank Prime. Scotiabank Prime is the prime lending rate of The Bank of Nova Scotia as published from time to time. For current rates and information on fees and interest cost, call 1-888-882-8958.

Interest will continue to accrue on the account from the date of the advance and will be charged to the account balance monthly.

Scotia Line of Credit protection is underwritten by The Canada Life Assurance Company.  All coverage is subject to the terms and conditions outlined in the Certificate of Insurance which you will receive upon enrolment.

Registered trademark of The Bank of Nova Scotia.

Amortization periods can exceed 5 years for secured loans (up to 25 years for loans under Scotia Total Equity Plan).

Interest will continue to accrue during any payment deferral period.

Cardholders with a Scene+ membership who link their Scotia Momentum^® Visa Infinite +^* Card and their Scene+ account to a Shell Go+ Account can get up to 7 cents per litre in instant fuel discounts, cash back, and Scene+ points value when they purchase eligible fuel with their linked credit card:

 

• Instant 3 cents per Litre Discount on Fuel Purchases (All Grades): Receive an instant 3 cents per litre discount on purchases of fuel (all grades) (“Fuel Purchases (All Grades)”) at participating Shell locations in Canada when you use any eligible Scotiabank debit card or credit card linked to a Shell Go+ Account, up to a maximum of 1,000 litres per month per Scotiabank debit card and per Scotiabank credit card account. This total limit resets at the start of each new month per payment card account. This discount is subject to the Scotiabank Fuel Benefit Terms and Conditions.
• Earn 2 cents per Litre in cash back: When you use your Scotia Momentum^® Visa Infinite +^* Card on Fuel Purchases (All Grades) you will earn 2% cash back on eligible Net Purchases (up to an annual spend limit of $25,000) at Gas Stations (Merchant Category Codes (“MCC”): 5541, 5542). Assumes an average fuel price of at least $1.00/L. “Net Purchases” means eligible new purchases charged and posted on the Account during a statement period less, returns (including credit vouchers), refunds or other credits. Balance Transfers, Cash Advances, Cash-Like Transactions, interest charges, fees, and insurance premiums posted to your Credit Card Account are not eligible to earn cash back. This benefit is subject to the Scotia Momentum^® Visa Infinite +^* Card cash back Program Terms and Conditions.
• Scene+ Members earn up to 2 cents per Litre in Scene+ points Value: Scene+ Members earn 1 Scene+ point for each litre in Fuel Purchases (All Grades) when they present or make available their Scene+ account number or Scene+ membership card at the time of purchase. Plus, Scene+ Members who link their Scene+ account to the Shell Go+ app will automatically earn 1 Scene+ point for each litre of V-Power® gasoline or V-Power® diesel purchased (“Premium Fuel Purchases”). Scene+ points value is based on an average redemption value of $10 for every 1000 Scene+ points redeemed on fuel purchases. Actual value may be lower depending on how you choose to redeem your Scene+ points. Earn and redemption limits may apply. See the Scene+ Program Terms and Conditions available at sceneplus.ca/terms-and-conditions for full details including redemption options and additional terms.

 

Note: Highest value of 7 cents per litre assumes a Premium Fuel Purchase (minimum price of $1.00 per litre) made with your Scotia Momentum^® Visa Infinite +^* Card linked to a Shell Go+ Account and with your Scene+ account also linked to the Shell Go+ account. Actual value will vary depending on whether or not the credit card is linked, fuel grade purchased, cost of fuel at time of purchase, whether or not you are a Scene+ member, and how you choose to redeem your Scene+ points.

Offer Description and Conditions: The 15% Cash Back, Introductory 0% Balance Transfer Rate and First Year Annual Fee Waiver Offer (the “Offer”) applies only to new Scotia Momentum Visa Infinite + credit card accounts (“Accounts”) that are opened, and any additional Account cards issued, between July 2, 2026 and November 1, 2026 (regardless of the date you apply for the Account) subject to the conditions below.  We will waive the annual fee for the primary card and each additional card on the Account for the first year only. Offer may be changed, cancelled or extended at any time without notice and cannot be combined with any other offers. 

 

15% Cash Back Offer Description and Conditions: You will earn 15% cash back on the first $2,000 in eligible purchases you spend on your new Account within the first 3 months of the Account open date (the “Promotional Period”). Eligible purchases include purchases (less any refunds, returns or other similar credits) but do not include payments, cash advances (including balance transfers and cash-like transactions), interest, fees or other charges. After the Promotional Period, you will earn regular cash back on eligible purchases at the regular cash back rate (the “Regular Cash Back Program Rate”) as described in the Scotia Momentum Visa Infinite + Cash Back Program Terms and Conditions (the “Program Terms”). The 15% cash back rate for any category is made up of the sum of: (i) the Regular Cash Back Program Rate (variable by category as set out under the Program Terms); and (ii)  a bonus rate that will vary depending on the Regular Cash Back Program Rate (the “Cash Back Top Up Rate”).  

 

Cash back earned under this Offer can be redeemed to your Account provided it is open and in good standing at the time of redemption:

1. Bonus Cash Back: The amount earned under the Cash Back Top Up Rate will be available for redemption to your Account after approximately 5 months from the Account open date or otherwise in accordance with the Program Terms.
2. Regular Cash Back: The amount earned under your Regular Cash Back Program Rate can be redeemed to your Account as described in the Program Terms.

 

EXAMPLE: If the Regular Cash Back Program Rate for the Groceries and Recurring Payments category is 4% then the Cash Back Top Up Rate will be 11% for that category so that you will earn a total of 15% on the amount of all eligible everyday purchases in that category during the Promotional Period  up to a total of $2,000 in purchases. If you make $2,000 in eligible everyday purchases in the Groceries and Recurring Payments category, your cash back earnings will be as follows: 

(1) the Cash Back Top Up Rate  earnings of $220 (11% x $2,000) (shown as an adjustment in your monthly statements), and 

(2) the Regular Cash Back Program Rate earnings of $80 (4% x $2,000) (shown as cash back earned in your monthly statements).

 

All other terms and conditions of the Program Terms continue to apply during and after the Promotional Period.

 

Introductory 0% Balance Transfer Rate Offer Description and Conditions: The Introductory 0% Balance Transfer Rate Offer (the “BT Rate Offer”) applies only to eligible cash advances (including balance transfers and cash-like transactions) (collectively “Cash Advances”) subject to the conditions below. This introductory rate applies for 12 months from date of Account opening (the “BT Promotional Period”).  After the BT Promotional Period, the promotional 0% interest rate on any Cash Advances (including any amount of those Cash Advances that remain unpaid after the BT Promotional Period ends) will increase to the preferred interest rate on Cash Advances (currently 22.99%).  A balance transfer fee of 2% of the amount of each Cash Advance transferred or made during the BT Promotional Period applies (minimum fee of $5.00).   

 

This BT Rate Offer is subject to any Cash Advance limits on your Account. This BT Rate Offer is also subject to the approved credit limit that is being offered to you as of the date of this BT Rate Offer.  This means if a balance transfer amount(s) requested exceeds your approved credit limit as of the date this BT Rate Offer was provided to you, it may not be processed. This BT Rate Offer cannot be used for any Scotiabank account including to transfer a balance from another Scotiabank account, or to make a payment or deposit to another Scotiabank account. 

 

Losing your promotional rate: If we don’t receive  the minimum payment on your Account by the payment due date on your statement, two consecutive times, you will lose the benefit of this promotional BT 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 27.99% on Cash Advances). 

 

How we apply payments: For Quebec residents: In general, if you have different interest rate(s) that apply to your Account, we apply payments to transactions based on the interest rate(s) that applies to those transactions on your Account (from highest to lowest rates). For non-Quebec residents: 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. 

 

Annual Fee Waiver Offer Description and Conditions: We will waive the annual fee for the primary card and each additional card issued between July 2, 2026 and November 1, 2026 on the Account for the first year only.

 

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 also eligible for the Offer. By accepting this Offer you confirm you meet all Offer eligibility requirements. We reserve the right to revoke this Offer at any time if we determine you do not meet the Offer eligibility requirements, including after you have accepted the Offer or been approved for the Account.

 

Rates and Fees: The current annual fee is $120 for the primary card and $50 for each additional card (including those issued to co-borrowers and supplementary cardholders). The current preferred annual interest rates for the Account are: 20.99% on purchases and 22.99% on Cash Advances. All rates, fees, features and benefits are outlined in the Application Disclosure Statement and are subject to change.

You will earn 4% Cash Back on the first $25,000 you spend annually on purchases on the Account at merchants classified in the Visa Inc. (Visa) network as Grocery Stores & Supermarkets (Merchant Code 5411) and Recurring Bill Payments. Recurring Bill Payments are defined as payments made on a monthly or regular basis automatically billed by the merchant to your Scotia Momentum Visa Infinite + Card. Not all merchants offer recurring bill payments. (Please check with your merchant to see if they offer recurring bill payments on Visa cards.)

You will earn 2% Cash Back on the first $25,000 you spend annually on purchases made at merchants classified under the Visa network in the categories of Gas (includes Service Stations [with or without Ancillary services], and Automated Fuel Dispensers & Electric Vehicle Charging) (Merchant Codes 5541, 5542, 5552) and Daily Transit (including Local and Suburban Commuter Passenger Transportation, including Ferries, Passenger Railways, Taxicabs and Limousines, Bus Lines, Transportation Services [Not Elsewhere Classified]). (Merchant Codes 4111, 4112, 4121, 4131, 4789.)

You will earn 1% cash back on purchases made after you have reached the 4% and 2% $25,000 annual spend maximum ('overflow') and on all other eligible purchases made with the Card. Purchase returns, payments, cash advances, Scotia® Credit Card Cheques, credit vouchers, card fees, interest charges or service/transaction charges do not qualify for Scotia Momentum® cash back.

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 August 1, 2019 and 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.

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.

Awarded a total of 9 awards and 24 recognitions for cash back cards in 2023 by major Canadian financial comparison websites and financial blogs.  Based on a comparison to other consumer cash back cards offered by Canadian Schedule I Banks as of December 14, 2023.

Scotia SelectPay Conditions apply. Review Terms and Conditions for full details or visit scotiabank.com/selectpay to learn more.

Trademark of The Bank of Nova Scotia.

Registered Trademark of The Bank of Nova Scotia

Visa Int. / Licensed User

Cardholders with a Scene+ membership who link their Scotia Momentum® Visa* Card and their Scene+ account to a Shell Go+ Account can get up to 7 cents per litre in instant fuel discounts, Cash Back, and Scene+ points value when they purchase eligible fuel with their linked credit card:

 

• Instant 3 cents per Litre Discount on Fuel Purchases (All Grades): Receive an instant 3 cents per litre discount on purchases of fuel (all grades) (“Fuel Purchases (All Grades)”) at participating Shell locations in Canada when you use any eligible Scotiabank debit card or credit card linked to a Shell Go+ Account, up to a maximum of 1,000 litres per month per Scotiabank debit card and per Scotiabank credit card account. This total limit resets at the start of each new month per payment card account. This discount is subject to the Scotiabank Fuel Benefit Terms and Conditions.
• Earn 2 cents per Litre in Cash Back: When you use your Scotia Momentum® Visa* Card on Fuel Purchases (All Grades) you will earn 2% Cash Back on eligible Net Purchases (up to an annual spend limit of $25,000) at Gas Stations (Merchant Category Codes (“MCC”): 5541, 5542). Assumes an average fuel price of at least $1.00/L. “Net Purchases” means eligible new purchases charged and posted on the Account during a statement period less, returns (including credit vouchers), refunds or other credits. Balance Transfers, Cash Advances, Cash-Like Transactions, interest charges, fees, and insurance premiums posted to your Credit Card Account are not eligible to earn Cash Back. This benefit is subject to the Scotia Momentum® Visa* Card Cash Back Program Terms and Conditions.
• Scene+ Members earn up to 2 cents per Litre in Scene+ points Value: Scene+ Members earn 1 Scene+ point for each litre in Fuel Purchases (All Grades) when they present or make available their Scene+ account number or Scene+ membership card at the time of purchase. Plus, Scene+ Members who link their Scene+ account to the Shell Go+ app will automatically earn 1 Scene+ point for each litre of V-Power® gasoline or V-Power® diesel purchased (“Premium Fuel Purchases”). Scene+ points value is based on an average redemption value of $10 for every 1000 Scene+ points redeemed on fuel purchases. Actual value may be lower depending on how you choose to redeem your Scene+ points. Earn and redemption limits may apply. See the Scene+ Program Terms and Conditions available at sceneplus.ca/terms-and-conditions for full details including redemption options and additional terms.

 

Note: Highest value of 7 cents per litre assumes a Premium Fuel Purchase (minimum price of $1.00 per litre) made with your Scotia Momentum® Visa* Card linked to a Shell Go+ Account and with your Scene+ account also linked to the Shell Go+ account. Actual value will vary depending on whether or not the credit card is linked, fuel grade purchased, cost of fuel at time of purchase, whether or not you are a Scene+ member, and how you choose to redeem your Scene+ points.

You will earn 2% Cash Back on the first $25,000 in purchases that are charged annually on your Scotiabank Momentum Visa Card Account (the “Account”) on gas station, grocery store and drug store purchases and on recurring payments. 2% Cash Back applies at merchants which are classified in the Visa Inc. (Visa) network as Grocery Stores & Supermarkets, Drug Stores & Pharmacies, Service Stations (with or without ancillary services), Automated Fuel Dispensers and Recurring Payments (Merchant Codes: 5411, 5541, 5542 & 5912). Some merchants may sell these products/services or are separate merchants who are located on the premises of these merchants, but are classified by Visa in another manner, in which case this added benefit would not apply. Recurring payments are payments made on a monthly or regular basis automatically billed by the merchant to your Account. Recurring payments are typically for purchases of subscriptions, telecommunication, insurance, gym memberships, etc. Not all merchants offer recurring payments. (Please check with the merchant to see if they offer recurring payments on Visa Accounts) You will earn 1% Cash Back on purchases made on the Account after the 2% $25,000 annual spend max has been reached. Cash Advances, balance transfers, Scotia Credit Card Cheques, returns, refunds or other similar credits, payments, fees, interest or service/transaction charges do not qualify for Scotia Momentum Cash Back.

Offer Description and Conditions: The Introductory 2.99% Balance Transfer Rate Offer (the “Offer”) applies only to eligible cash advances (including balance transfers and cash-like transactions) (collectively “Cash Advances”) subject to the conditions below. This introductory rate applies if the new Account is opened between October 31, 2025 and October 31, 2026 (regardless of the date you apply for the Account) and will continue for 6 months from date of Account opening (the “Promotional Period”). After the Promotional Period, the promotional 2.99% interest rate on any Cash Advances (including any amount of those Cash Advances that remain unpaid after the Promotional Period ends) will increase to the preferred interest rate on Cash Advances (currently 22.99%). There is no balance transfer fee applicable to Cash Advances made during the Promotional Period.

 

This Offer is subject to any Cash Advance limits on your Account. This Offer is also subject to the approved credit limit that is being offered to you as of the date of this Offer.  This means if a balance transfer amount(s) requested exceeds your approved credit limit as of the date this Offer was provided to you, it may not be processed. This Offer cannot be used for any Scotiabank account including to transfer a balance from another Scotiabank account, or to make a payment or deposit to another Scotiabank account. Offer may be changed, cancelled or extended at any time without notice and cannot be combined with any other offers.

 

Losing your promotional rate: If we don’t receive  the minimum payment on your Account by the payment due date on your statement, two consecutive times, 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 24.99% (25.99% effective from first day of your statement period in January 2026 and reflected on your February 2026 statement) on purchases and 27.99% on Cash Advances). All other terms and conditions of the Program Terms continue to apply during the Offer period.

 

How we apply payments: Your payment cannot be applied to the balance(s) of your choice. For Quebec residents: In general, if you have different interest rate(s) that apply to your Account, we apply payments to transactions based on the interest rate(s) that applies to those transactions on your Account (from highest to lowest rates). For non-Quebec residents: 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. See your credit card agreement for more information about how we apply payments to your Account. 

 

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 switched to an existing Scotiabank personal credit card, are not eligible for the Offer and subject to these exclusions, individuals with a Scotiabank business credit card are also eligible for the Offer. By accepting this Offer you confirm you meet all Offer eligibility requirements. We reserve the right to revoke this Offer at any time if we determine you do not meet the Offer eligibility requirements, including after you have accepted the Offer or been approved for the Account.

 

Rates and Fees: The current annual fee is $39 ($49.00 effective February 1, 2026.) for the primary card and $15 for each additional card (including those issued to co-borrowers and supplementary cardholders). The current preferred annual interest rates for the Account are: 19.99% on purchases (20.99% effective from first day of your statement period in January 2026 and reflected on your February 2026 statement.) and 22.99% on Cash Advances. All rates, fees, features and benefits are outlined in the Application Disclosure Statement and are subject to change. 

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.

The savings of up to 25% applies to Avis and Budget base rates and is applicable only to the time and mileage charges of the rental. All taxes, fees (including but not limited Air Conditioning Excise Recovery Fee, Concession Recovery Fee, Vehicle License Recovery Fee, Energy Recovery Fee, Tire Management Fee, and Frequent Traveler Fee) and surcharges (including but not limited to Customer Facility Charge and Environmental Fee Recovery Charge) are extra. The Bank of Nova Scotia is not responsible for, and provides no representations, warranties or conditions regarding this offer or any Avis or Budget products or services, including Avis Preferred Plus membership and services and those obtained under this offer, which are governed solely by Avis’ terms and conditions. Avis Preferred Plus membership and services are provided by Avis.

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.

Scotia SelectPay Conditions apply. Review Terms and Conditions for full details or visit scotiabank.com/selectpay to learn more.

Trademark of The Bank of Nova Scotia.

Registered Trademark of The Bank of Nova Scotia

Visa Int. / Licensed User

Cardholders with a Scene+ membership who link their Scotia Momentum^® No-Fee Visa^* Card and their Scene+ account to a Shell Go+ Account can get up to 6 cents per litre in instant fuel discounts, cash back, and Scene+ points value when they purchase eligible fuel with their linked credit card:

• Instant 3 cents per Litre Discount on Fuel Purchases (All Grades): Receive an instant 3 cents per litre discount on purchases of fuel (all grades) (“Fuel Purchases (All Grades)”) at participating Shell locations in Canada when you use any eligible Scotiabank debit card or credit card linked to a Shell Go+ Account, up to a maximum of 1,000 litres per month per Scotiabank debit card and per Scotiabank credit card account. This total limit resets at the start of each new month per payment card account. This discount is subject to the Scotiabank Fuel Benefit Terms and Conditions.
• Earn 1 cent per Litre in Cash Back: When you use your Scotia Momentum^® No-Fee Visa card on Fuel Purchases (All Grades) you will earn 1% cash back on eligible Net Purchases (up to an annual spend limit of $15,000) at Gas Stations (Merchant Category Codes (“MCC”): 5541, 5542). Assumes an average fuel price of at least $1.00/L. “Net Purchases” means eligible new purchases charged and posted on the Account during a statement period less, returns (including credit vouchers), refunds or other credits. Balance Transfers, Cash Advances, Cash-Like Transactions, interest charges, fees, and insurance premiums posted to your Credit Card Account are not eligible to earn cash back. This benefit is subject to the Scotia Momentum^® No-Fee Visa card Cash Back Program Terms and Conditions. 
• Scene+ Members earn up to 2 cents per Litre in Scene+ points Value: Scene+ Members earn 1 Scene+ point for each litre in Fuel Purchases (All Grades) when they present or make available their Scene+ account number or Scene+ membership card at the time of purchase. Plus, Scene+ Members who link their Scene+ account to the Shell Go+ app will automatically earn 1 Scene+ point for each litre of V-Power® gasoline or V-Power® diesel purchased (“Premium Fuel Purchases”). Scene+ points value is based on an average redemption value of $10 for every 1000 Scene+ points redeemed on fuel purchases. Actual value may be lower depending on how you choose to redeem your Scene+ points. Earn and redemption limits may apply. See the Scene+ Program Terms and Conditions available at sceneplus.ca/terms-and-conditions for full details including redemption options and additional terms.

 

Note: Highest value of 6 cents per litre assumes a Premium Fuel Purchase (minimum price of $1.00 per litre) made with your Scotia Momentum No-Fee Visa card linked to a Shell Go+ Account and with your Scene+ account also linked to the Shell Go+ account. Actual value will vary depending on whether or not the credit card is linked, fuel grade purchased, cost of fuel at time of purchase, whether or not you are a Scene+ member, and how you choose to redeem your Scene+ points

You will earn 1% cash back on your annual spend on gas station, grocery store and drug store purchases and on recurring payments. 1% cash back applies at merchants which are classified in the Visa Inc. (Visa) network as Grocery Stores & Supermarkets, Drug Stores & Pharmacies, Service Stations (with or without ancillary services), Automated Fuel Dispensers and Recurring Payments (Merchant Codes: 5411, 5541, 5542 & 5912). Recurring payments are defined as payments made on a monthly or regular basis automatically billed by the merchant to your Scotia Momentum No-Fee Visa card. Recurring payments are typically telecommunication, insurance, membership, subscriptions etc. purchases. Not all merchants offer recurring payments. (Please check with your merchant to see if they offer recurring payments on Visa cards.) Some merchants may sell these products/services or are separate merchants who are located on the premises of these merchants, but are classified by Visa in another manner, in which case this added benefit would not apply. You will earn 0.5% cash back on all other eligible purchases made with the card. Purchase returns, payments, cash advances, balance transfers, Scotia® Credit Card Cheques, credit vouchers, card fees, interest charges or service/transaction charges do not qualify for cash back.

Offer Description and Conditions: The 5% cash back and Introductory 0.99% balance transfer rate offer (the “Offer”) applies only to new Scotia Momentum No-Fee Visa credit card accounts (“Accounts”) that are opened between July 2, 2026 and November 1, 2026 (regardless of the date you apply for the Account) and is subject to the below terms and conditions. All other terms and conditions of the Program Terms continue to apply during the Offer Period. Offer may be changed, cancelled or extended at any time without notice and cannot be combined with any other offers.

 

5% Cash Back Offer Conditions: You will earn 5% cash back on the first $2,000 in eligible purchases you spend on your new Account within the first 3 months of the Account open date (the “Promotional Period”). Eligible purchases include purchases (less any refunds, returns or other similar credits) but do not include payments, cash advances (including balance transfers and cash-like transactions), interest, fees or other charges. After the Promotional Period, you will earn regular cash back on eligible purchases at the regular cash back rate (the “Cash Back Program Rate”) described in the Scotia Momentum No-Fee Visa Cash Back Program Terms and Conditions (the “Program Terms”).  The 5% cash back rate for any category is made up of the sum of: (i) the regular Cash Back Program Rate (variable by categories as set out under the Program Terms); and (ii) a “Cash Back Bonus Rate”. 

 

Cash Back earned under this Offer can be redeemed to your Account, provided it is open and in good standing at the time of redemption

1. Bonus Cash Back: The amount earned under the Cash Back Bonus Rate will be available for redemption to your Account after approximately 5 months from the Account open date in accordance with the regular Cash Back Program Terms 
2. Regular Cash Back: The amount earned under your regular Cash Back Program Rate can be redeemed to your Account anytime for a minimum of $25 each time you request a redemption.

 

EXAMPLE: If the Regular Cash Back Program Rate for the Groceries and Recurring Payments category is 1% then the Cash Back Bonus Rate will be 4% for that category so that you will earn a total of 5% on the amount of all eligible everyday purchases in that category during the Promotional Period. If you make $2,000 in eligible everyday purchases in the Groceries and Recurring Payments category, your cash back earnings will be as follows:

(1) the Cash Back Bonus earnings of $80 (4% x $2,000) (shown as an adjustment in your monthly statements), and (2) the Regular Cash Back earnings of $20 (1% x $2,000) (shown in your monthly statements). 

 

Introductory 0.99% Balance Transfer Rate Offer Description and Conditions: The Introductory 0.99% Balance Transfer Rate Offer (the “Rate Offer”) applies only to eligible cash advances (including balance transfers and cash-like transactions) (collectively “Cash Advances”) subject to the conditions below. This introductory rate applies for 9 months from date of Account opening (the “Promotional Period”).  After the Promotional Period, the promotional 0.99% interest rate on any Cash Advances (including any amount of those Cash Advances that remain unpaid after the Promotional Period ends) will increase to the preferred interest rate on Cash Advances (currently 22.99%). A balance transfer fee of 2% of the amount of each Cash Advance transferred or made during the Promotional Period applies (minimum fee of $5.00).   

 

This Rate Offer is subject to any Cash Advance limits on your Account. This Offer is also subject to the approved credit limit that is being offered to you as of the date of this Offer.  This means if a balance transfer amount(s) requested exceeds your approved credit limit as of the date this Rate Offer was provided to you, it may not be processed. This Rate Offer cannot be used for any Scotiabank account including to transfer a balance from another Scotiabank account, or to make a payment or deposit to another Scotiabank account. 

 

Losing your promotional rate: If we don’t receive  the minimum payment on your Account by the payment due date on your statement, two consecutive times , 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 27.99% on Cash Advances). All other terms and conditions of the Program Terms continue to apply during the Offer period. 

 

How we apply payments: For Quebec residents: In general, if you have different interest rate(s) that apply to your Account, we apply payments to transactions based on the interest rate(s) that applies to those transactions on your Account (from highest to lowest rates). For non-Quebec residents: 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. 

 

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 switched to an existing Scotiabank personal credit card are not eligible for the Offer (and subject to the above exclusions, individuals with a Scotiabank business credit card are also eligible for the Offer). By accepting this Offer you confirm you meet all Offer eligibility requirements. We reserve the right to revoke this Offer at any time if we determine you do not meet the Offer eligibility requirements, including after you have accepted the Offer or been approved for the Account.

 

Rates and Fees: There is currently no annual fee for the primary card and no fee for each additional card (including those issued to co-borrowers and supplementary cardholders). The current preferred annual interest rates for the Account are: 20.99% on purchases and 22.99% on Cash Advances.  All rates, fees, features and benefits are outlined in the Application Disclosure Statement and are subject to change.  

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 February 1, 2017 and are subject to change without notice. Learn more about credit card fees and interest rates.

The savings of up to 25% applies to Avis and Budget base rates and is applicable only to the time and mileage charges of the rental. All taxes, fees (including but not limited Air Conditioning Excise Recovery Fee, Concession Recovery Fee, Vehicle License Recovery Fee, Energy Recovery Fee, Tire Management Fee, and Frequent Traveler Fee) and surcharges (including but not limited to Customer Facility Charge and Environmental Fee Recovery Charge) are extra. The Bank of Nova Scotia is not responsible for, and provides no representations, warranties or conditions regarding this offer or any Avis or Budget products or services, including Avis Preferred Plus membership and services and those obtained under this offer, which are governed solely by Avis’ terms and conditions. Avis Preferred Plus membership and services are provided by Avis.

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.

Scotia SelectPay Conditions apply. Review Terms and Conditions for full details or visit scotiabank.com/selectpay to learn more.

Trademark of The Bank of Nova Scotia.

Registered Trademark of The Bank of Nova Scotia

Visa Int. / Licensed User

Cardholders with a Scene+ membership who link their Scotia Momentum® Mastercard^®* credit card and their Scene+ account to a Shell Go+ Account can get up to 6 cents per litre in instant fuel discounts, Cash Back, and Scene+ points value when they purchase eligible fuel with their linked credit card:

 

• Instant 3 cents per Litre Discount on Fuel Purchases (All Grades): Receive an instant 3 cents per litre discount on purchases of fuel (all grades) (“Fuel Purchases (All Grades)”) at participating Shell locations in Canada when you use any eligible Scotiabank debit card or credit card linked to a Shell Go+ Account, up to a maximum of 1,000 litres per month per Scotiabank debit card and per Scotiabank credit card account. This total limit resets at the start of each new month per payment card account. This discount is subject to the Scotiabank Fuel Benefit Terms and Conditions.
• Earn 1 cent per Litre in Cash Back: When you use your Scotia Momentum^® Mastercard^®* credit card on Fuel Purchases (All Grades) you will earn 1% Cash Back on eligible Net Purchases at Gas Stations (Merchant Category Codes (“MCC”): 5541, 5542). Assumes an average fuel price of at least $1.00/L. “Net Purchases” means eligible new purchases charged and posted on the Account during a statement period less, returns (including credit vouchers), refunds or other credits. Balance Transfers, Cash Advances, Cash-Like Transactions, interest charges, fees, and insurance premiums posted to your Credit Card Account are not eligible to earn Cash Back. This benefit is subject to the Scotia Momentum^® Mastercard^®* credit card Cash Back Program Terms and Conditions. 
• Scene+ Members earn up to 2 cents per Litre in Scene+ points Value: Scene+ Members earn 1 Scene+ point for each litre in Fuel Purchases (All Grades) when they present or make available their Scene+ account number or Scene+ membership card at the time of purchase. Plus, Scene+ Members who link their Scene+ account to the Shell Go+ app will automatically earn 1 Scene+ point for each litre of V-Power® gasoline or V-Power® diesel purchased (“Premium Fuel Purchases”). Scene+ points value is based on an average redemption value of $10 for every 1000 Scene+ points redeemed on fuel purchases. Actual value may be lower depending on how you choose to redeem your Scene+ points. Earn and redemption limits may apply. See the Scene+ Program Terms and Conditions available at sceneplus.ca/terms-and-conditions for full details including redemption options and additional terms.

 

Note: Highest value of 6 cents per litre assumes a Premium Fuel Purchase (minimum price of $1.00 per litre) made with your Scotia Momentum^® Mastercard^®* credit card linked to a Shell Go+ Account and with your Scene+ account also linked to the Shell Go+ account. Actual value will vary depending on whether or not the credit card is linked, fuel grade purchased, cost of fuel at time of purchase, whether or not you are a Scene+ member, and how you choose to redeem your Scene+ points.

You will earn 1% cash back on net purchases made with your eligible Scotia Momentum Mastercard credit card at gas stations, grocery stores and drug stores as classified by Mastercard (Merchant Codes: 5411, 5541, 5542 & 5912). Some merchants may sell these products/services or are separate merchants who are located on the premises of these merchants, but are classified by Mastercard in another manner, in which case this added benefit would not apply. Recurring payments are defined as payments made on a monthly or regular basis automatically billed by the merchant to your Card. Recurring payments are typically telecommunication, insurance, membership, subscriptions, etc. Not all merchants offer recurring payments. (Please check with your merchant to see if they offer recurring payments on Mastercard cards.) You will earn 0.5% cash back on all other eligible purchases made with your Scotia Momentum Mastercard credit card. Cash Advances (including Balance Transfers, Scotia Credit Card Cheques or Cash-Like Transactions), returns, refunds or other similar credits, fees, interest charges or service/transaction charges do not qualify for cash back. See your Scotia Momentum Mastercard Cash Back Program Terms and Conditions for full details.

Offer Description and Conditions: The Introductory 7.99% Interest Rate Offer (the “Offer”) applies only to eligible purchases subject to the conditions below. This introductory rate applies when the new Scotia Momentum Mastercard credit card account (“Account”) is opened between October 31, 2025 and October 31, 2026 (regardless of the date you apply for the Account) and will continue for 6 months from date of Account opening (the “Promotional Period”). After the Promotional Period, purchase balances at the promotional rate of 7.99% (including any unpaid balances) will increase to the preferred interest rate for purchases (currently 20.99%). There is no promotional low rate fee on purchases made during the Promotional Period. Eligible purchases include purchases (less any refunds, returns or other similar credits) but do not include payments, cash advances (including balance transfers and cash-like transactions), interest, fees or other charges. All other terms and conditions of the Program Terms continue to apply during the Offer period. 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 also eligible for the Offer. 

 

How we apply payments:  Your payment cannot be applied to the balance(s) of your choice. For Quebec residents: In general, if you have different interest rate(s) that apply to your Account, we apply payments to transactions based on the interest rate(s) that applies to those transactions on your Account (from highest to lowest rates). For non-Quebec residents: 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. See your credit card agreement for more information about how we apply payments to your Account. 

 

Rates and Fees: There is currently no annual fee for the primary card and no fee for each additional card (including those issued to co-borrowers and supplementary cardholders).  

The current preferred annual interest rates for the Account are: 20.99% on purchases and 22.99% on cash advances (including balance transfers and cash-like transactions). All rates, fees, features and benefits are outlined in the Application Disclosure Statement and are subject to change.

For current rates and information on fees and interest cost, call 1-800-263-9495. Interest rates, annual fees and features are subject to change without notice. Learn more about credit card fees and interest rates.

The savings of up to 25% applies to Avis and Budget base rates and is applicable only to the time and mileage charges of the rental. All taxes, fees (including but not limited Air Conditioning Excise Recovery Fee, Concession Recovery Fee, Vehicle License Recovery Fee, Energy Recovery Fee, Tire Management Fee, and Frequent Traveler Fee) and surcharges (including but not limited to Customer Facility Charge and Environmental Fee Recovery Charge) are extra. The Bank of Nova Scotia is not responsible for, and provides no representations, warranties or conditions regarding this offer or any Avis or Budget products or services, including Avis Preferred Plus membership and services and those obtained under this offer, which are governed solely by Avis’ terms and conditions. Avis Preferred Plus membership and services are provided by Avis.

Registered Trademark of The Bank of Nova Scotia

Mastercard, Priceless Cities and Tap & Go are registered trademarks, and the circles design and Mastercard Global Services are trademarks of Mastercard International Incorporated and used under license by The Bank of Nova Scotia.

Get up to 7 cents per litre in instant fuel discounts for a limited time and earn up to 3 cents per litre in Scene+ points value with an eligible Scotiabank Passport Visa Infinite + card linked to a Shell Go+ Account:

 

• Instant 3 cents per Litre Discount on Fuel Purchases (All Grades): Receive an instant 3 cents per litre discount on purchases of fuel (all grades) (“Fuel Purchases (All Grades)”) at participating Shell locations in Canada when you use any eligible Scotiabank debit card or credit card linked to a Shell Go+ Account, up to a maximum of 1,000 litres per month per Scotiabank debit card and per Scotiabank credit card account. This total limit resets at the start of each new month per payment card account. This discount is subject to the Scotiabank Fuel Benefit Terms and Conditions.
• Instant 4 cents per Litre Discount on Premium Fuel: Between May 26, 2026 and June 1, 2027 (“Promotional Period”), receive an instant 4 cents per litre discount on  purchases of V-Power® gasoline, or V-Power® diesel (“Premium Fuel Purchases”) at participating Shell locations in Canada when you use any eligible Scotiabank credit card that earns Scene+ points linked to a Shell Go+ Account, up to a maximum of 1,000 litres per month per credit card account. This total limit resets at the start of each new month per credit card account. This promotional offer, including the Promotional Period, may be changed, extended, or withdrawn at any time without notice. These promotional offer terms are in addition to the Scotiabank Fuel Benefit Terms and Conditions.  
• Earn up to 3 cents per Litre in Scene+ points Value (Equivalent) on Fuel Purchases: Each time you use your linked Scotiabank credit card that earns Scene+ points on Fuel Purchases (All Grades) at participating Shell locations in Canada, you will earn at least 1 Scene+ point per $1 spent.  Plus, as a Scene+ Member you will also automatically earn 1 Scene+ point for each litre in Fuel Purchases (All Grades), and as a Shell Go+ member, automatically earn 1 additional Scene+ point for each litre in Premium Fuel Purchases, made with your linked Scotiabank credit card. This means that for every litre in fuel purchased with your linked credit card, you can earn the equivalent of up to 3 cents of redeemable Scene+ points value based on a redemption value of $10 for every 1,000 Scene+ points redeemed for fuel purchases at participating Shell locations.  Actual value may be lower depending on how you choose to redeem your Scene+ points. Earn and redemption limits may apply.See the Scene+ Program Terms and Conditions available at sceneplus.ca/terms-and-conditions for full details including redemption options and additional terms. 

 

Note: Highest value of 10 cents per litre assumes a Premium Fuel Purchase made with a Scotiabank Passport Visa Infinite + Card linked to a Shell Go+ Account. Actual value will vary depending on payment card used and whether or not the card is linked, fuel grade purchased, and how you choose to redeem your Scene+ points.

 

We do not charge any foreign currency conversion fees, only the exchange rate applies. See the Application Disclosure Statement, under "Foreign Currency Conversion Fees" section for full details.

Offer Description and Conditions: The 30,000 Bonus Scene+ Points Offer  (the “Offer”) applies only to new Scotiabank Passport Visa Infinite + credit card accounts (“Accounts”) that are opened between January 3, 2025 and July 1, 2025 subject to the conditions below. Offer may be changed, cancelled or extended at any time without notice and cannot be combined with any other offers. 

 

Plus, as a Scotiabank Passport Visa Infinite + credit cardholder you are always eligible to earn an annual 10,000 Scene+ point bonus when you spend at least $40,000 in everyday eligible purchases annually on your Scotiabank Passport Visa Infinite + account. Conditions apply - see below for further details.

 

30,000 Bonus Scene+ Point Offer Description and Conditions: To qualify for the 30,000 bonus Scene+ points (the “30,000 Point Bonus”), you must have at least $2,000 in eligible purchases posted to your new Account within the first 3 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 or cash-like transactions), interest, fees or other charges.

 

10,000 Annual Bonus Scene+ Point Conditions: As a Scotiabank Passport Visa Infinite + credit cardholder you can earn an annual Scene+ point bonus starting at 10,000 Scene+ points (“the Annual Point Bonus”) when you make at least $40,000 in eligible purchases annually on your Account each year (12-months). Annual period starts from the Account open date and resets every 12 months thereafter. You will earn 2,000 bonus Scene+ points for every additional $10,000 in eligible purchases thereafter in that same year, after the $40,000 annual spend has been reached.  Eligible purchases include purchases (less any refunds, returns or other similar credits) but do not include payments, cash advances (including balance transfers or cash-like transactions), interest, fees or other charges.

 

Point Bonus Fulfillment: The applicable point Bonus(es) will be credited within approximately 8 weeks after qualifying for a Bonus, provided the Account is open and in good standing. For Joint Accounts with a Primary Borrower and Co-borrower, the applicable point Bonus will be credited as follows: (i) the 30,000 Point Bonus and Annual Point Bonus will be credited to the Scene+ account linked to the Account of the borrower that completed the last transaction to meet the qualifying amount of eligible purchases (i.e., $2,000 or $40,000) in the appropriate time frame (i.e., first 3 months or first 12 months). If a supplementary cardholder completes the last qualifying transaction to meet the qualifying amount of eligible purchases for the 30,000 Point Bonus or the Annual Point Bonus, the applicable point Bonus will be credited to the Primary Borrower’s Scene+ account linked to the Account. Points can be transferred between Primary and Co-Borrower or Supplementary Cardholder’s Scene+ accounts by contacting Scene+.  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. All other terms and conditions of the Program Terms continue to apply during the Offer period.

 

Offer 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 also eligible for the Offer.

 

Rates and Fees: The current annual fee is $150 for the primary card, $0 for the first additional card and $50 for each additional card thereafter (including those issued to co-borrowers and supplementary cardholders). The current preferred annual interest rates for this Account are: 20.99% on purchases and 22.99% on cash advances (including balance transfers and cash-like transactions). All rates, fees, features and benefits are outlined in the Application Disclosure Statement and are  subject to change. 

You are awarded three (3) Scene+ Points for every eligible $1.00 purchase made at Sobeys, Safeway, IGA, Foodland, Foodland & Participating Co-ops, FreshCo, Chalo! FreshCo, Thrifty Foods, Rachelle Béry, Les Marchés, Voilà by Sobeys, Voilà by Safeway and Voilà par IGA locations charged and posted to the Scotiabank Passport Visa Infinite + Account. This list of eligible grocers may be changed from time to time without notice. See full list of participating merchants across Canada at scotiabank.com/participatingstores. 

You are awarded two (2) Scene+ Points for every eligible $1.00 purchase on all other grocery (not listed above), dining, entertainment, and daily transit purchases charged and posted to the Scotiabank Passport Visa Infinite + Account (the earn rates for each of the above categories and merchants are referred to as the “Accelerated Earn Rates”). See below for the Spend Threshold that applies to this Accelerated Earn Rate.

You are awarded one (1) Scene+ Point for every $1.00 in all other purchases of goods and services charged to the Scotiabank Passport Visa Infinite + Account (the “Regular Earn Rate”). 

Spend Threshold for the Accelerated Earn Rate (Scotiabank Passport Visa Infinite + Accounts only):

You will earn the Accelerated Earn Rate on the first $50,000 in purchases made on your Scotiabank Passport Visa Infinite + account (the “Account”) annually at the following: purchases made at merchants classified in the Visa credit card network as: Grocery Stores and Supermarkets; Eating Places and Restaurants, Drinking Places, Fast Food Restaurants; Entertainment including Motion Picture Theatres, Theatrical Producers, Ticket Agencies, Bands, Orchestras, Miscellaneous Entertainers; Railroads, Local and Suburban Commuter Passenger Transportation, including Ferries, Passenger Railways, Taxicabs and Limousines, Bus Lines, Transportation Services (Not Elsewhere Classified). Some merchants may sell other products/services or are separate merchants who are located on the premises of these merchants, but are classified by the credit card network in another manner, in which case this added benefit would not apply. The annual spend calculation for the $50,000 maximum threshold is calculated annually from January 1st to December 31st each year. You will earn 1 point per $1 on purchases made on the Account after the 2 points per $1 / $50,000 annual spend maximum is reached and on all other purchases made on the Account. Scene+ points are only awarded on purchases. Scene+ points are not awarded for cash advances, balance transfers, Scotia® Credit Card Cheques, payments, returns, refunds or other similar credits, fees or interest or other charges. All dollar amounts are in Canadian currency unless otherwise stated.

The primary cardmember and/or co-borrower are liable for all charges incurred on the Scotiabank credit card account by any supplementary card issued in connection with the account.

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.

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 .

Primary Cardholders with a valid Scotiabank Passport Visa Infinite + Card account (the “Account”) have access to participating lounges within the Visa Airport Companion Program (“Program”), hosted and managed by DragonPass International Ltd. Cardholders must enroll for this benefit either through the Visa Airport Companion App (available to download for free) or on the Program Website (visaairportcompanion.ca) using a valid Card on the Account. Upon enrollment, 6 complimentary lounge visits will be available for the Primary Cardholder per membership year; the complimentary visits can be used by any Cardholder for themselves and for their accompanying guests at participating lounges (however, Primary Cardholder must be present for each such use). Lounge visits are counted on a per person per visit basis (e.g. lounge access by a Cardholder and one accompanying guest will count as two (2) visits). All additional visits beyond complimentary visits are subject to a fee of $32 USD (subject to change) per person per visit. Applicable lounge access fees will be charged to the Card connected to the Cardholders’ Program membership (i.e. the Card enrolled in Program).

To view a full list of participating airport lounges, their facilities, opening times and restrictions Cardholders can visit the Program App and Website. To view the full Terms and Conditions for the Program, including DragonPass Terms of Use and Privacy Policy and Visa’s Privacy Policy that apply to the Program, visit the Visa Airport Companion Program App or Website. 

The Program services and benefits are provided by DragonPass and applicable third party offer providers and neither Visa nor The Bank of Nova Scotia is responsible for the Program or any claims or damages arising from participation in the Program.

Unless the Program membership is suspended or cancelled, the Program membership and any included complimentary lounge visits (if applicable) will automatically renew annually on the anniversary date (based on date when the Cardholder enrolled for the Program). Program membership will be cancelled if your Scotiabank Passport Visa Infinite + Card is cancelled. If your Scotiabank Passport Visa Infinite + Card is renewed or replaced, remember to update your card details within the Visa Airport Companion Program (either on the App or on the Program Website).

Access upon presentation of a valid and enrolled Scotiabank Passport Visa Infinite + Card, while available in most lounges within the Visa Airport Companion Program, is subject to availability.

Scotia SelectPay Conditions apply. Review Terms and Conditions for full details or visit scotiabank.com/selectpay to learn more.

Registered trademarks of The Bank of Nova Scotia.

Scene+ and the Icon Design are trademarks of Scene Plus IP Corporation, used under license.

Scene+ and the Icon Design are trademarks of Scene Plus IP Corporation, used under license.

Visa Int. / Licensed User

Get up to 7 cents per litre in instant fuel discounts for a limited time and earn up to 4 cents per litre in Scene+ points value with a Scotiabank Platinum American Express Card linked to a Shell Go+ Account:

 

• Instant 3 cents per Litre Discount on Fuel Purchases (All Grades): Receive an instant 3 cents per litre discount on purchases of fuel (all grades) (“Fuel Purchases (All Grades)”) at participating Shell locations in Canada when you use any eligible Scotiabank debit card or credit card linked to a Shell Go+ Account, up to a maximum of 1,000 litres per month per Scotiabank debit card and per Scotiabank credit card account. This total limit resets at the start of each new month per payment card account. This discount is subject to the Scotiabank Fuel Benefit Terms and Conditions.
• Instant 4 cents per Litre Discount on Premium Fuel: Between May 26, 2026 and June 1, 2027 (“Promotional Period”), receive an instant 4 cents per litre discount on  purchases of V-Power® gasoline, or V-Power® diesel (“Premium Fuel Purchases”) at participating Shell locations in Canada when you use any eligible Scotiabank credit card that earns Scene+ points linked to a Shell Go+ Account, up to a maximum of 1,000 litres per month per credit card account. This total limit resets at the start of each new month per credit card account. This promotional offer, including the Promotional Period, may be changed, extended, or withdrawn at any time without notice. These promotional offer terms are in addition to the Scotiabank Fuel Benefit Terms and Conditions.  
• Earn up to 4 cents per Litre in Scene+ points Value (Equivalent) on Fuel Purchases: Each time you use your linked Scotiabank credit card that earns Scene+ points on Fuel Purchases (All Grades) at participating Shell locations in Canada, you will earn at least 2 Scene+ points per $1 spent.  Plus, as a Scene+ Member you will also automatically earn 1 Scene+ point for each litre in Fuel Purchases (All Grades), and as a Shell Go+ member, automatically earn 1 additional Scene+ point for each litre in Premium Fuel Purchases, made with your linked Scotiabank credit card. This means that for every litre in fuel purchased with your linked credit card, you can earn the equivalent of up to 4 cents of redeemable Scene+ points value based on a redemption value of $10 for every 1,000 Scene+ points redeemed for fuel purchases at participating Shell locations.  Actual value may be lower depending on how you choose to redeem your Scene+ points. Earn and redemption limits may apply. See the Scene+ Program Terms and Conditions available at sceneplus.ca/terms-and-conditions for full details including redemption options and additional terms. 

 

Note: Highest value of 11 cents per litre assumes a Premium Fuel Purchase made with a Scotiabank Platinum American Express^® Card linked to a Shell Go+ Account. Actual value will vary depending on payment card used and whether or not the card is linked, fuel grade purchased, and how you choose to redeem your Scene+ points.  

Scene+ Points are awarded for purchases charged to your Scotiabank Platinum American Express Credit Card Account (“the Account”). The regular earn rate is two (2) Points per $1.00 in purchases charged and posted to the Account.

 

Eligibility: Only purchases earn Scene+ Points. Cash advances (including Balance Transfers, Scotia® Credit Card Cheques and Cash-Like Transactions), fees, interest or other charges, returns, refunds or other similar credits to your Account do not qualify for Scene+ Points. Scene+ Points will not be posted to an Account that is not in good standing when purchases are made or when a statement is issued, or if the Account is not open when a statement is issued. See your Scene+ Points terms at www.scotiabank.com/sceneplus for full program details.

Concierge Services are provided by a duly licensed third-party premium concierge provider (currently Ten Lifestyle Management Limited ("Ten" or "Ten Group")) and are subject to Terms & Conditions and Privacy Statement of that provider. Provider is subject to change by The Bank of Nova Scotia ("Scotiabank"). Scotiabank is not responsible for the Concierge Services, including the delivery of, or for any failure to deliver, any such services. By using the Concierge Services you must consent and agree to Ten Group's Terms & Conditions and Privacy Statement that apply.

Offer Description and Conditions: The 80,000 Bonus Scene+ Points Offer (the “Offer”) applies only to new Scotiabank Platinum American Express credit card accounts (“Account”) opened between October 31, 2025 and July 1, 2026 (regardless of the date you apply for the Account) and is subject to the conditions below. To qualify for 60,000 bonus Scene+ points (the “60,000 Point Bonus”), you must have at least $3,000 in eligible purchases posted to your new Account in the first 3 months of the Account open date. To qualify for an additional 20,000 bonus Scene+ points (the “Additional 20,000 Point Bonus”), you must have at least $10,000 in eligible purchases posted to your new Account in the first 14 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 or cash-like transactions), interest, fees or other charges.  For Product Switches the original account open date will be applied for annual Scene+ points bonus.

 

Point Bonus Fulfillment: The applicable point Bonus(es) will be credited within approximately 8 weeks after qualifying for a Bonus, provided the Account is open and in good standing. For Joint Accounts with a Primary Borrower and Co-borrower, the applicable point Bonus will be credited as follows: (i) the 60,000 Point Bonus and Additional 20,000 Point Bonus will be credited to the Scene+ account linked to the Account of the borrower that completed the last transaction to meet the qualifying amount of eligible purchases (i.e., $3,000 or $10,000) in the appropriate time frame (i.e., first 3 months or first 14 months. If a supplementary cardholder completes the last qualifying transaction to meet the qualifying amount of eligible purchases for the 60,000 Point Bonus or the Additional 20,000 Point Bonus, the applicable point Bonus will be credited to the Primary Borrower’s Scene+ account linked to the Account. Points can be transferred between Primary and Co-Borrower or Supplementary Cardholder’s Scene+ accounts by contacting Scene+. 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.  All other terms and conditions of the Program Terms continue to apply during the Offer period. 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 business credit cardholders are also eligible for the Offer.

 

Rates and Fees: The current annual fee is $399 for the primary card and $99 for each additional card  (including those issued to co-borrowers and supplementary cardholders).

The current preferred annual interest rates for the Account are: 9.99% on purchases and 9.99% on cash advances (including balance transfers and cash-like transactions). All rates, fees, features and benefits are outlined in the Application Disclosure Statement and are subject to change.

For current rates and information on fees and interest, call 1-888-882-8958. Interest rates, fees and features are subject to change without notice. Learn more about credit card fees and interest rates.

Priority Pass™ membership includes access to airport lounges participating in the Priority Pass program. Certain terms, conditions and exclusions apply. Unless cancelled, Priority Pass membership automatically renews on its anniversary date. Priority Pass membership will be cancelled if your Scotiabank Platinum American Express Card is cancelled. Lounge visits are counted on a per person per visit basis (e.g. Lounge access by a Cardholder and one accompanying guest will count as two (2) visits). The first 10 lounge visits for the primary Cardholder and the first 4 lounge visits for the supplementary Cardholder per 12-month cycle from date of enrolment are complimentary. Beginning with the 11th visit for the primary Cardholder and the 5th visit for the supplementary Cardholder, each additional lounge visits exceeding your complimentary benefit entitlement will be charged at the prevailing retail rate which can be found at https://www.prioritypass.com/join-prioritypass. Priority Pass membership and services are provided by a third party. The Bank of Nova Scotia is not responsible for the Priority Pass membership or services. All fees, features and benefits are subject to change. For complete Priority Pass terms and conditions, please visit https://www.prioritypass.com/Conditions-of-use

We will not charge you Foreign Transaction Fees on foreign currency transactions, including purchases, only the exchange rate applies. The term “Foreign Transaction Fees” is a substitute for “Foreign Currency Conversion” as described in the Disclosure Statement you received with your Card. This fee relates to the 2.5% mark-up that is typically charged by credit card issuers in addition to the exchange rate. See the Foreign Currency Conversion section of the Disclosure Statement for this Card for full details. Rates and fees are subject to change.

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.

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.

Compared to other consumer credit cards publicly offered by Canadian Schedule I banks as of October 14, 2021.

Savings and reward potential in first 14 months based on the following card usage and offers:

Currency conversion as of June 13, 2022.

$600 in travel rewards (60,000 bonus Scene+ points) when you spend $3,000 within your first 3 months (to earn 50,000 points) and when you spend $10,000 within your first 14 months (to earn an additional 10,000 points); 

$141 in foreign transaction fee savings based on average first year annual foreign spend (save the 2.5% foreign transaction fee typically charged by other card issuers);

$742 in travel rewards (74,188 Scene+ points) on everyday purchases based on average annual first year spend;

$676 value of a complimentary Priority Pass membership and free lounge passes per year for the primary cardholder (annual membership fee package of CAD$385/USD$299, which includes 10 lounge passes) and for one supplementary cardholder (basic annual membership fee of CAD$127/USD$99 plus 4 lounge passes at CAD$41/USD$32 each).

Potential 14-Month Value = up to $2,159 Actual savings and rewards earned will depend on individual card usage and eligibility for applicable offers. Conditions apply.

Registered trademarks of The Bank of Nova Scotia. American Express is a registered trademark of American Express. This credit card program is issued and administered by the Bank of Nova Scotia under license from American Express.

Scene+ and the Icon Design are trademarks of Scene Plus IP Corporation.

Get up to 7 cents per litre in instant fuel discounts for a limited time and earn up to 5 cents per litre in Scene+ points value with a Scotiabank Gold American Express Card linked to a Shell Go+ Account:

 

• Instant 3 cents per Litre Discount on Fuel Purchases (All Grades): Receive an instant 3 cents per litre discount on purchases of fuel (all grades) (“Fuel Purchases (All Grades)”) at participating Shell locations in Canada when you use any eligible Scotiabank debit card or credit card linked to a Shell Go+ Account, up to a maximum of 1,000 litres per month per Scotiabank debit card and per Scotiabank credit card account. This total limit resets at the start of each new month per payment card account. This discount is subject to the Scotiabank Fuel Benefit Terms and Conditions.
• Instant 4 cents per Litre Discount on Premium Fuel: Between May 26, 2026 and June 1, 2027 (“Promotional Period”), receive an instant 4 cents per litre discount on  purchases of V-Power® gasoline, or V-Power® diesel (“Premium Fuel Purchases”) at participating Shell locations in Canada when you use any eligible Scotiabank credit card that earns Scene+ points linked to a Shell Go+ Account, up to a maximum of 1,000 litres per month per credit card account. This total limit resets at the start of each new month per credit card account. This promotional offer, including the Promotional Period, may be changed, extended, or withdrawn at any time without notice. These promotional offer terms are in addition to the Scotiabank Fuel Benefit Terms and Conditions.  
• Earn up to 5 cents per Litre in Scene+ points Value (Equivalent) on Fuel Purchases: Each time you use your linked Scotiabank credit card that earns Scene+ points on Fuel Purchases (All Grades) at participating Shell locations in Canada, you will earn at least 3 Scene+ points per $1 spent.  Plus, as a Scene+ Member you will also automatically earn 1 Scene+ point for each litre in Fuel Purchases (All Grades), and as a Shell Go+ member, automatically earn 1 additional Scene+ point for each litre in Premium Fuel Purchases, made with your linked Scotiabank credit card. This means that for every litre in fuel purchased with your linked credit card, you can earn the equivalent of up to 5 cents of redeemable Scene+ points value based on a redemption value of $10 for every 1,000 Scene+ points redeemed for fuel purchases at participating Shell locations.  Actual value may be lower depending on how you choose to redeem your Scene+ points. Earn and redemption limits may apply. See the Scene+ Program Terms and Conditions available at sceneplus.ca/terms-and-conditions for full details including redemption options and additional terms. 

 

Note: Highest value of 12 cents per litre assumes a Premium Fuel Purchase made with a Scotiabank Gold American Express Card linked to a Shell Go+ Account. Actual value will vary depending on payment card used and whether or not the card is linked, fuel grade purchased, and how you choose to redeem your Scene+ points.

Offer Description and Conditions: The 50,000 Bonus Scene+ Points (the “Offer”) applies only to new Scotiabank Gold American Express credit card accounts (“Accounts”) opened between July 2, 2026 and November 1, 2026 (regardless of the date you apply for the Account) and is subject to the conditions below. 

 

To be eligible for 30,000 bonus Scene+ points (the “30,000 Point Bonus”), you must have at least $2,000 in eligible purchases posted to your new Account in the first 3 months of the Account open date. To be eligible for an additional 20,000 bonus Scene+ points (the “Additional 20,000 Point Bonus”), you must have at least $7,500 in eligible purchases posted to your new Account in the first year (12 months) of 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 or cash-like transactions), interest, fees or other charges. 

 

Point Bonus Fulfillment: The applicable point Bonus(es) will be credited to the Scene+ account within approximately 8 weeks after qualifying for a Bonus, provided the Account is open and in good standing. For Joint Accounts with a Primary Borrower and Co-borrower, the applicable point Bonus will be credited as follows: (i) the 30,000 Point Bonus and Additional 20,000 Point Bonus will be credited to the Scene+ account linked to the Account of the borrower that completed the last transaction to meet the qualifying amount of eligible purchases (i.e., $2,000 or $7,500) in the appropriate time frame (i.e., first 3 months or first 12 months). If a supplementary cardholder completes the last qualifying transaction to meet the qualifying amount of eligible purchases for the 30,000 Point Bonus or the Additional 20,000 Point Bonus, the applicable point Bonus will be credited to the Primary Borrower’s Scene+ account linked to the Account. Points can be transferred between Primary and Co-Borrower or Supplementary Cardholder’s Scene+ accounts by contacting Scene+.  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.  All other terms and conditions of the Program Terms continue to apply during the Offer period. Offer may be changed, cancelled or extended without notice at any time 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 also eligible for the Offer.

 

Rates and Fees:  The current annual fee is $120 for the primary card and $29 for each additional card (including those issued to co-borrowers and supplementary cardholders).

The current preferred annual interest rates for the Account are: 21.99% on purchases and 22.99% on cash advances (including balance transfers and cash-like transactions). 

All rates, fees, features and benefits are outlined in the Application Disclosure Statement and are subject to change.

You are awarded six (6) Scene+ Points for every eligible $1.00 CAD purchase made at Sobeys, IGA, Safeway, Foodland, FreshCo, Voilà by Sobeys, Voilà by IGA, Voilà by Safeway, Chalo! FreshCo, Thrifty Foods, IGA West, Les Marchés Tradition, Rachelle Béry, and Co-Op locations charged and posted to the Scotiabank Gold American Express Account. This list of eligible grocers may be changed from time to time without notice. See full list of participating merchants across Canada at scotiabank.com/participatingstores. 

You are awarded five (5) Scene+ Points for every eligible $1.00 CAD purchase on all other grocery (not listed above), dining, and entertainment charged and posted to the Scotiabank Gold American Express Account. You are awarded three (3) Scene+ Points for every eligible $1.00 CAD purchase in gas, public transit and select streaming services purchases charged and posted to the Scotiabank Gold American Express Account (the earn rates for each of the above categories and merchants are referred to as the “Accelerated Earn Rates”). For a current list of eligible select streaming services, contact Scotiabank at 1-888-860-7093 or through the “Connect with Scotia chat” option on the Scotia app. You are awarded one (1) Scene+ Point for every $1.00 in all other purchases of goods and services charged to the Scotiabank Gold American Express Account (the “Regular Earn Rate”). 

You will earn the accelerated Scene+ Points (6X, 5X or 3X as applicable) under the Scene+ program if you make purchases in Canadian currency only. For purchases that are made in foreign currency, you will only earn 1 Scene+ Point for every $1 charged to the Scotiabank American Express® credit card once that foreign currency has been converted into Canadian dollars.

Merchant classifications – American Express network Purchases must be made at merchants classified through the American Express network with a Merchant Category Code (“MCC”) that identifies them in the American Express network in the “grocery”, “dining”, “entertainment”, “gas”, “streaming service” or “transit” category. Purchases at merchants where these categories are not their primary business do not qualify. Some merchants may (i) provide other goods or services; or (ii) have separate merchants located on their premises that may not be classified with an MCC under the Accelerated Earn Rate categories and such purchases will not earn the Accelerated Earn Rate as applicable. The Accelerated Earn Rates for the Scotiabank Gold American Express Card applies to the first $50,000 in purchases charged to the Scotiabank Gold American Express Account annually at merchants qualifying for the Accelerated Earn Rate, calculated annually from January 1st to December 31st each year. Once you exceed the applicable annual spend threshold, you will continue earning points at the Regular Earn Rate of one (1) Scene+ Point per $1.00 in purchases charged and posted to the Scotiabank Gold American Express Account. Eligibility: Only purchases earn Scene+ Points. Cash advances (including Balance Transfers and Cash-Like Transactions), fees, interest or other charges, returns, refunds or other similar credits to your Account do not qualify for Scene+ Points. Scene+ Points will not be posted to an Account that is not in good standing when purchases are made or when a statement is issued, or if the Account is not open when a statement is issued. See your Scene+ Points terms at www.scotiabank.com/sceneplus for full program details. All dollar amounts are in Canadian currency unless otherwise stated.

Concierge Services are provided by a duly licensed third-party premium concierge provider (currently Ten Lifestyle Management Limited ("Ten" or "Ten Group")) and are subject to Terms & Conditions and Privacy Statement of that provider. Provider is subject to change by The Bank of Nova Scotia ("Scotiabank"). Scotiabank is not responsible for the Concierge Services, including the delivery of, or for any failure to deliver, any such services. By using the Concierge Services you must consent and agree to Ten Group's Terms & Conditions and Privacy Statement that apply. 

For current rates and information on fees and interest fees, 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.

Purchase must be charged in full to an American Express Card. Subject to availability and to event and ticketing terms, restrictions, verification procedures and fees. Tickets and packages may not be transferable and should not be resold. Refunds and exchanges subject to merchant’s obligations under applicable law. Ticket holder assumes full liability for any risks and Amex is not liable. Events are subject to compliance with public health & safety requirements related to COVID-19 and may be cancelled. For the latest terms of use, purchase policies, safety protocols and changes to events, please check the ticket provider and venue Terms of Use and FAQs before purchasing and prior to attending any event. Visit americanexpress.com for the list of ticket providers and venues and links to their websites.

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.

Travel Advantage is supplied by a third party (currently Hogg Robinson Canada Inc. (HRG) and subject to change).

Compared to other consumer credit cards publicly offered by Canadian Schedule I banks as of March 26, 2019.

Registered trademarks of The Bank of Nova Scotia. American Express is a registered trademark of American Express. This credit card program is issued and administered by the Bank of Nova Scotia under license from American Express.

Used by Amex Bank of Canada under license of American Express.

Scene+ and the Icon Design are trademarks of Scene Plus IP Corporation, used under license.

Get up to 7 cents per litre in instant fuel discounts for a limited time and earn up to 4 cents per litre in Scene+ points value with a Scotiabank American Express Card linked to a Shell Go+ Account:

 

• Instant 3 cents per Litre Discount on Fuel Purchases (All Grades): Receive an instant 3 cents per litre discount on purchases of fuel (all grades) (“Fuel Purchases (All Grades)”) at participating Shell locations in Canada when you use any eligible Scotiabank debit card or credit card linked to a Shell Go+ Account, up to a maximum of 1,000 litres per month per Scotiabank debit card and per Scotiabank credit card account. This total limit resets at the start of each new month per payment card account. This discount is subject to the Scotiabank Fuel Benefit Terms and Conditions.
• Instant 4 cents per Litre Discount on Premium Fuel: Between May 26, 2026 and June 1, 2027 (“Promotional Period”), receive an instant 4 cents per litre discount on  purchases of V-Power® gasoline, or V-Power® diesel (“Premium Fuel Purchases”) at participating Shell locations in Canada when you use any eligible Scotiabank credit card that earns Scene+ points linked to a Shell Go+ Account, up to a maximum of 1,000 litres per month per credit card account. This total limit resets at the start of each new month per credit card account. This promotional offer, including the Promotional Period, may be changed, extended, or withdrawn at any time without notice. These promotional offer terms are in addition to the Scotiabank Fuel Benefit Terms and Conditions.  
• Earn up to 4 cents per Litre in Scene+ points Value (Equivalent) on Fuel Purchases: Each time you use your linked Scotiabank credit card that earns Scene+ points on Fuel Purchases (All Grades) at participating Shell locations in Canada, you will earn at least 2 Scene+ points per $1 spent.  Plus, as a Scene+ Member you will also automatically earn 1 Scene+ point for each litre in Fuel Purchases (All Grades), and as a Shell Go+ member, automatically earn 1 additional Scene+ point for each litre in Premium Fuel Purchases, made with your linked Scotiabank credit card. This means that for every litre in fuel purchased with your linked credit card, you can earn the equivalent of up to 4 cents of redeemable Scene+ points value based on a redemption value of $10 for every 1,000 Scene+ points redeemed for fuel purchases at participating Shell locations.  Actual value may be lower depending on how you choose to redeem your Scene+ points. Earn and redemption limits may apply. See the Scene+ Program Terms and Conditions available at sceneplus.ca/terms-and-conditions for full details including redemption options and additional terms. 

 

Note: Highest value of 11 cents per litre assumes a Premium Fuel Purchase made with a Scotiabank American Express Card linked to a Shell Go+ Account. Actual value will vary depending on payment card used and whether or not the card is linked, fuel grade purchased, and how you choose to redeem your Scene+ points.  

You are awarded three (3) Scene+ Points for every eligible $1.00 purchase made at Sobeys, IGA, Safeway, Foodland, FreshCo, Voilà by Sobeys, Voilà by IGA, Voilà by Safeway, Chalo! FreshCo, Thrifty Foods, IGA West, Les Marchés Tradition, Rachelle Béry, and Co-Op locations charged and posted to the Scotiabank American Express Account. This list of eligible grocers may be changed from time to time without notice. See full list of participating merchants across Canada at scotiabank.com/participatingstores. 

Additionally, you are awarded two (2) Scene+ Points for every eligible $1.00 purchase all other grocery (not listed above), dining, entertainment, gas, daily transit and select streaming services charged and posted to the Scotiabank American Express Account (the “Account”) (the earn rates for each of the above categories and merchants are referred to as the “Accelerated Earn Rates”). For a current list of eligible select streaming services, contact Scotiabank at 1-888-861-5443 or through the “Connect with Scotia chat” option on the Scotia app. You are awarded one (1) Scene+ Point for every $1.00 in all other purchases of goods and services charged to the Scotiabank American Express Account (the “Regular Earn Rate”). 

Merchant classifications – American Express network Purchases must be made at merchants classified through the American Express network with a Merchant Category Code (“MCC”) that identifies them in the American Express network in the “grocery”, “dining”, “entertainment”, “gas”, “streaming service” or “transit” category. Purchases at merchants where these categories are not their primary business do not qualify. Some merchants may (i) provide other goods or services; or (ii) have separate merchants located on their premises that may not be classified with an MCC under the Accelerated Earn Rate categories and such purchases will not earn the Accelerated Earn Rate as applicable. 

The Accelerated Earn Rates for the Scotiabank American Express Card applies to the first $50,000 in purchases charged to the Scotiabank American Express Account annually at merchants qualifying for the Accelerated Earn Rate, calculated annually from January 1st to December 31st each year. Once you exceed the applicable annual spend threshold, you will continue earning points at the Regular Earn Rate of one (1) Scene+ Point per $1.00 in purchases charged and posted to the Scotiabank American Express Account.

Eligibility: Only purchases earn Scene+ Points. Cash advances (including Balance Transfers, Scotia† Credit Card Cheques and Cash-Like Transactions), fees, interest or other charges, returns, refunds or other similar credits to your Account do not qualify for Scene+ Points. Scene+ Points will not be posted to an Account that is not in good standing when purchases are made or when a statement is issued, or if the Account is not open when a statement is issued. See your Scene+ Points terms at www.scotiabank.com/sceneplus for full program details

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 and things to do must be booked through the Scene+ Travel website or Scene+ Travel call centre. 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 and Things to Do purchased through Scene+ Travel website or call centre (collectively “Scene+ Travel)”. Scene+ Points are earned on the total value of Things to do, hotel or car rental booking purchases (including 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 things to do, flight, hotel or car rental booking purchases (including taxes and fees), or redeemed in part with the remaining balance paid by an available payment card.

 

Additional Scene+ Travel Program Terms and Conditions. Click here for details. 

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.

Offer Description and Conditions: The 10,000 Bonus Scene+ Points Offer (the “Offer”) applies only to new Scotiabank American Express credit card accounts (“Account”) opened between May 1, 2026 and November 1, 2026(regardless of the date you apply for the Account) and is subject to the below terms and conditions. 

 

To be eligible for 2,500 bonus Scene+ points (the “2,500 Point Bonus”), you must have at least $250 in eligible purchases posted to your new Account in the first 3 months of the Account open date. To be eligible for an additional 7,500 bonus Scene+ points (the “Additional 7,500 Point Bonus”), you must have at least $1,000 in eligible purchases posted to your new Account in your first 3 months of 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 or cash-like transactions), interest, fees or other charges. 

 

Point Bonus Fulfilment The applicable point Bonus(es) will be credited to the Scene+ account within approximately 8 weeks after qualifying for a Bonus, provided the Account is open and in good standing. For Joint Accounts with a Primary Borrower and Co-borrower, the applicable point Bonus will be credited as follows: (i) the 2,500 Point Bonus and Additional 7,500 Point Bonus will be credited to the Scene+ account linked to the Account of the borrower that completed the last transaction to meet the qualifying amount of eligible purchases (i.e., $250 or $1,000) in the appropriate time frame (i.e., first 3 months). If a supplementary cardholder completes the last qualifying transaction to meet the qualifying amount of eligible purchases for the 2,500 Point Bonus or the Additional 7,500 Point Bonus, the applicable point Bonus will be credited to the Primary Borrower’s Scene+ account linked to the Account. Points can be transferred between Primary and Co-Borrower or Supplementary Cardholder’s Scene+ accounts by contacting Scene. 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.  All other terms and conditions of the Program Terms continue to apply during the Offer period.  Offer may be changed, cancelled or extended without notice at any time 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 also eligible for the Offer.

 

Rates and Fees: There is currently no annual fee for the primary card and no fee for each additional card (including those issued to co-borrowers and supplementary cardholders).  

The current preferred annual interest rates for the Account are: 21.99% on purchases and 22.99% on cash advances (including balance transfers and cash-like transactions). 

All rates, fees, features and benefits are outlined in the Application Disclosure Statement and are subject to change.

For current rates and information on fees and interest, call 1-888-882-8958. Interest rates, fees and features are subject to change without notice. Learn more about credit card fees and interest rates.

Purchase must be charged in full to an American Express Card. Subject to availability and to event and ticketing agent terms, conditions, and fees. Not all seats are available. All sales are final. No refunds. No exchanges. The Bank of Nova Scotia and its affiliates are not responsible for fulfilment of offers under the American Express Invites program. All offers are provided and fulfilled by participating merchants and are subject to the specific terms and conditions of the respective merchant. American Express and its affiliates are not liable or otherwise responsible for any offer or experience made available under this program, and are not responsible for fulfilment, any changes or cancellation of any offer.

Under all insurance coverages or services, certain limitations, restrictions and exclusions apply. 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.

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.

Registered trademarks of The Bank of Nova Scotia. American Express is a registered trademark of American Express. This credit card program is issued and administered by the Bank of Nova Scotia under license from American Express.

Used by Amex Bank of Canada under license of American Express.

Scene+ and the Icon Design are trademarks of Scene Plus IP Corporation, used under license.

Scotiabank^® Scene+^™ Visa^* Card cardholders will earn points for purchases made with their Scotiabank^® Scene+^™ Visa^* Card (“Card”). A Card must be connected to a Scene+ membership account to earn points on purchases made on the Card. Points are not awarded for cash advances, balance transfers, Scotia Credit Card Cheques, returns, refunds or other similar credits, payments fees, interest, service or transaction charges on the Card. Some conditions and limitations apply. Visit www.scotiabank.com/scenevisa for complete details.

Offer Description and Conditions: The 5,000 Bonus Scene+ Points Offer (the “Offer”) applies only to new Scotiabank Scene+ Visa credit card accounts (“Account”) opened between July 2, 2026 and November 1, 2026 (regardless of the date you apply for the Account) and is subject to the below terms and conditions. 

 

To be eligible for 2,500 bonus Scene+ points (the “2,500 Point Bonus”), you must have at least $250 in eligible purchases posted to your new Account in the first 3 months of the Account open date. To be eligible for an additional 2,500 bonus Scene+ points (the “Additional 2,500 Point Bonus”), you must have at least $1,000 in eligible purchases posted to your new Account in your first 3 months of 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 or cash-like transactions), interest, fees or other charges. 

 

Point Bonus Fulfillment: The applicable point Bonus(es) will be credited to the Scene+ account within approximately 8 weeks after qualifying for a Bonus, provided the Account is open and in good standing. For Joint Accounts with a Primary Borrower and Co-borrower, the applicable point Bonus will be credited as follows: (i) the 2,500 Point Bonus and Additional 2,500 Point Bonus will be credited to the Scene+ account linked to the Account of the borrower that completed the last transaction to meet the qualifying amount of eligible purchases (i.e., $250 or $1,000) in the appropriate time frame (i.e., first 3 months). If a supplementary cardholder completes the last qualifying transaction to meet the qualifying amount of eligible purchases for the 2,500 Point Bonus or the Additional 2,500 Point Bonus, the applicable point Bonus will be credited to the Primary Borrower’s Scene+ account linked to the Account. Points can be transferred between Primary and Co-Borrower or Supplementary Cardholder’s Scene+ accounts by contacting Scene+. 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.  All other terms and conditions of the Program Terms continue to apply during the Offer period.  Offer may be changed, cancelled or extended without notice at any time 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 also eligible for the Offer.

 

Rates and Fees: There is currently no annual fee for the primary card and no fee for each additional card (including those issued to co-borrowers and supplementary cardholders). The current preferred annual interest rates for the Account are: 21.99% on purchases and 22.99% on cash advances (including balance transfers and cash-like transactions).  All rates, fees, features and benefits are outlined in the Application Disclosure Statement and are subject to change. 

For current rates and information on fees and interest, call 1-888-882-8958. Interest rates, fees and features are subject to change without notice. Learn more about credit card fees and credit card interest rates.

Regular Earn Rate: You are awarded one (1) Scene+ Point for every $1.00 in all purchases of goods and services charged to the Scotiabank Scene+ Visa Account (the “Account”).

 

Accelerated Earn Rates: You will earn accelerated earn rates on the following eligible purchases charged to the Account:

 

Grocery Stores

You are awarded two (2) Scene+ Points for every eligible $1.00 purchase made at Sobeys, Safeway, participating IGA, Foodland, Foodland & Participating Co-ops, FreshCo, Chalo! FreshCo, Thrifty Foods, Rachelle Béry, Les Marchés Tradition, Voilà by Sobeys, Voilà by Safeway and Voilà par IGA locations charged and posted to the Scotiabank Scene+ Visa Account. This list of eligible grocers may be changed from time to time without notice. See full list of participating merchants across Canada at scotiabank.com/participatingstores.

 

Home Hardware Stores

You are awarded two (2) Scene+ Points for every eligible $1.00 purchase made at eligible Home Hardware, Home Building Centre, Home Hardware Building Centre, Home Furniture locations in Canada and online at homehardware.ca charged and posted to the Scotiabank Scene+ Visa Account. The list of eligible locations may be changed from time to time without notice.  See full list of eligible locations across Canada at scotiabank.com/participatingstores.

 

Cineplex

You are awarded two (2) Scene+ Points for every $1.00 purchase made at Cineplex theaters, the Cineplex App and online at cineplex.com charged and posted to the Account.

 

Eligibility: Only purchases earn Scene+ Points. Cash advances (including Balance Transfers, and Cash-Like Transactions), fees, interest or other charges, returns, refunds or other similar credits to your Account do not qualify for Scene+ Points. Scene+ Points will not be posted to an Account that is not in good standing when purchases are made or when a statement is issued, or if the Account is not open when a statement is issued. See your Scene+ Points terms at www.scotiabank.com/sceneplus for full program details.

 

All dollar amounts are in Canadian currency unless otherwise stated.

The savings of up to 25% applies to Avis and Budget base rates and is applicable only to the time and mileage charges of the rental. All taxes, fees (including but not limited Air Conditioning Excise Recovery Fee, Concession Recovery Fee, Vehicle License Recovery Fee, Energy Recovery Fee, Tire Management Fee, and Frequent Traveler Fee) and surcharges (including but not limited to Customer Facility Charge and Environmental Fee Recovery Charge) are extra. The Bank of Nova Scotia is not responsible for, and provides no representations, warranties or conditions regarding this offer or any Avis or Budget products or services, including Avis Preferred Plus membership and services and those obtained under this offer, which are governed solely by Avis’ terms and conditions. Avis Preferred Plus membership and services are provided by Avis.

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.

Scotia SelectPay Conditions apply. Review Terms and Conditions for full details or visit scotiabank.com/selectpay to learn more.

Registered Trademark of The Bank of Nova Scotia

Visa Int. / Licensed User

Trademark of Cineplex Entertainment LP, used under license.

Get up to 3 cents per litre in instant fuel discounts and earn up to 2 cents per litre in Scene+ points value with a Scotiabank Value^® Visa^* Card linked to a Shell Go+ Account:

 

• Instant 3 cents per Litre Discount on Fuel Purchases (All Grades): Receive an instant 3 cents per litre discount on purchases of fuel (all grades) (“Fuel Purchases (All Grades)”) at participating Shell locations in Canada when you use any eligible Scotiabank debit card or credit card linked to a Shell Go+ Account, up to a maximum of 1,000 litres per month per Scotiabank debit card and per Scotiabank credit card account. This total limit resets at the start of each new month per payment card account. This discount is subject to the Scotiabank Fuel Benefit Terms and Conditions or Tangerine Fuel Benefit Terms and Conditions (as applicable). 
• Earn up to 2 cents per Litre in Scene+ points Value (Equivalent) on Fuel Purchases: As a Scene+ Member you will  automatically earn 1 Scene+ point for each litre in Fuel Purchases (All Grades), and as a Shell Go+ member, automatically earn 1 additional Scene+ point for each litre in Premium Fuel Purchases, made with your linked Scotiabank Value^® Visa^* Card. This means that for every litre in fuel purchased with your eligible linked card, you can earn the equivalent of up to 2 cents of redeemable Scene+ points value based on a redemption value of $10 for every 1,000 Scene+ points redeemed for fuel purchases at participating Shell Locations.  Actual value may be lower depending on how you choose to redeem your Scene+ points. Earn and redemption limits may apply. See the Scene+ Program Terms and Conditions available at sceneplus.ca/terms-and-conditions for full details including redemption options and additional terms. 

 

Note: Highest value of 5 cents per litre assumes a Premium Fuel Purchase made with a Scotiabank Value® Visa^* Card linked to a Shell Go+ Account. Actual value will vary depending on whether or not the credit card is linked, fuel grade purchased, cost of fuel at time of purchase, whether or not you are a Scene+ member, and how you choose to redeem your Scene+ points.

For example, on an outstanding balance of $5,000 with an annual interest rate of 13.99% and assuming a constant balance (i.e., no other transactions posted) during a 12 month period, you can save $800 in interest compared to a credit card with an annual interest rate of 29.99% ($1,499.50 interest for 12 months at 29.99% compared to $699.50 interest for 12 months at 13.99%). Actual interest savings will depend on various factors including the outstanding balance and the amounts, timing and application of any payments made, the nature of the transactions and the interest rate of the credit card being compared. Interest rate comparison effective June 19, 2024 and subject to change.

Offer Description and Conditions: The Introductory 0% Balance Transfer Rate and First Year Annual Fee Waiver Offer (the “Offer”) applies only to new Scotiabank Value Visa credit card accounts (“Accounts”) that are opened between July 2, 2026 and January 3, 2027 (regardless of the date you apply for the Account) subject to the conditions below.  We will waive the annual fee for the primary card on the Account for the first year only.  Offer may be changed, cancelled or extended at any time without notice and cannot be combined with any other offers. 

 

Introductory 0% Balance Transfer Rate Offer Description and Conditions: The Introductory 0% Balance Transfer Rate Offer (the “BT Rate Offer”) applies only to eligible cash advances (including balance transfers and cash-like transactions) (collectively “Cash Advances”) subject to the conditions below. This introductory rate applies for 9 months from date of Account opening (the “BT Promotional Period”).  A balance transfer fee of 1% of the amount of each Cash Advance transferred or made during the BT Promotional Period applies (minimum fee of $5.00). After the BT Promotional Period, the promotional 0% interest rate on any Cash Advances (including any amount of those Cash Advances that remain unpaid after the BT Promotional Period ends) will increase to the preferred interest rate on Cash Advances (currently 13.99%). 

 

This BT Rate Offer is subject to any Cash Advance limits on your Account. This BT Rate Offer also is subject to the approved credit limit that is being offered to you as of the date of this BT Rate Offer. This means if a balance transfer amount(s) requested exceeds your approved credit limit as of the date this BT Rate Offer was provided to you, it may not be processed. This BT Rate Offer cannot be used for any Scotiabank account including to transfer a balance from another Scotiabank account, or to make a payment or deposit to another Scotiabank account. 

 

Losing your Promotional Rate: If we don’t receive  the minimum payment on your Account by the payment due date on your statement, two consecutive times , you will lose the benefit of this promotional BT 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 24.99% on purchases and 27.99% on Cash Advances). 

 

How We Apply Payments: Your payment cannot be applied to the balance(s) of your choice. For Quebec residents: In general, if you have different interest rate(s) that apply to your Account, we apply payments to transactions based on the interest rate(s) that applies to those transactions on your Account (from highest to lowest rates). For non-Quebec residents: 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. See your credit card agreement for more information about how we apply payments to your Account. 

 

First Year Annual Fee Waiver Offer Description and Conditions: We will waive the annual fee for the primary card issued between July 2, 2026 and January 3, 2027 on the Account for the first year only.

 

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 switched to an existing Scotiabank personal credit card  are not eligible for the Offer (and subject to these exclusions, individuals with a Scotiabank business credit card are also eligible for the Offer). By accepting this Offer you confirm you meet all Offer eligibility requirements. We reserve the right to revoke this Offer at any time if we determine you do not meet the Offer eligibility requirements, including after you have accepted the Offer or been approved for the Account.

 

Rates and Fees:  The current annual fee is $29 for the primary card and $0 for each additional card (including those issued to co-borrowers and supplementary cardholders). 

The current preferred annual interest rates for the Account are 13.99% on purchases and 13.99% on Cash Advances 

All rates, fees, features and benefits are outlined in the Application Disclosure Statement and are subject to change.

 

For current rates and information on fees and interest, call 1-888-882-8958. Interest rates, fees and features are subject to change without notice. Learn more about credit card fees and interest rates.

The savings of up to 25% applies to Avis and Budget base rates and is applicable only to the time and mileage charges of the rental. All taxes, fees (including but not limited Air Conditioning Excise Recovery Fee, Concession Recovery Fee, Vehicle License Recovery Fee, Energy Recovery Fee, Tire Management Fee, and Frequent Traveler Fee) and surcharges (including but not limited to Customer Facility Charge and Environmental Fee Recovery Charge) are extra. The Bank of Nova Scotia is not responsible for, and provides no representations, warranties or conditions regarding this offer or any Avis or Budget products or services, including Avis Preferred Plus membership and services and those obtained under this offer, which are governed solely by Avis’ terms and conditions. Avis Preferred Plus membership and services are provided by Avis.

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.

Scotia SelectPay Conditions apply. Review Terms and Conditions for full details or visit scotiabank.com/selectpay to learn more.

Recommendations are provided for information purposes only and should not be relied upon as financial, investment or other advice. All recommendations are based on the information provided to us during this online process in relation to Scotiabank’s current product and service offerings. Terms and conditions apply to all products, services, offers and benefits displayed and should be reviewed carefully. All rates, fees, products, services, offers, and benefits and related terms and conditions are subject to change. Please visit your nearest branch or call [1-800-472-6842] to speak with a Scotiabank representative.

Trademark of The Bank of Nova Scotia.

Registered Trademark of The Bank of Nova Scotia

Visa Int. / Licensed User

Purchase returns, payments, cash advances, Scotia® Credit Card Cheques, credit vouchers, card fees, interest charges or service/transaction charges do not qualify for a Moneyback reward.

Not including cash advances, balance transfers and Scotia Credit Card cheques. Provided that you pay your balance in full by the payment due date.

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.

Registered Trademark of The Bank of Nova Scotia

Visa Int. / Licensed User