Get up to 2% cash back on eligible gas station, grocery store, drug store purchases and recurring payments.1

Get a 2.99% introductory interest rate on balance transfers for the first 6 months (22.99% after that; annual fee $39).2

Is this Credit Card right for you?

Right for you if you:

  • Are a student enrolled in a Canadian post secondary school and this is one of your first Credit Cards
  • Want to obtain a convenient and secure payment method for everyday purchases, that can also help you to build your credit history if you make at least your minimum payments on time each month 
  • Want an interest-free grace period on purchases'
  • Value the rewards and benefits that can be earned with this Card and willing to pay an annual fee 

May not be right for you if you:

  • Will be carrying an outstanding balance for a long period of time or using it for debt consolidation
  • Have a steady income of more than $12000/year (income requirement subject to change) as you may qualify for other types of available Credit Cards 
  • Prefer other types of rewards available with our other Cards 

Fee & Rates

Transfer

Annual Fee3

$39/year
Chart

Interest Rates3

19.99% on purchases
22.99% on cash advances
Move money

Minimum credit limit

$500
Request money

Supplementary Card3

$15/year

Additional Benefits

  • 2% Cash back on all eligible gas station, grocery store, drug store purchases and recurring payments.1 Plus earn 1% cash back on all other eligible purchases.1
  • Save up to 25% off base rates at participating AVIS and Budget locations in Canada and the U.S.4
  • Consolidate all your eligible recurring payments on your card and turn them into cash back rewards!
  • Scotia SelectPayTM. A new, flexible way to pay off your eligible Scotiabank Visa* credit card purchases of $100 or more, with no interest rate on your plan and a low fee.11 Learn more.
  • Optional Scotia Credit Card Protection insurance. Coverage to help you and your family stay financially on track through unexpected events.10

You may also like these options

Scotiabank® Scene+™ Visa* Card (for students)

Main features and perks

Earn 2X the Scene+ points on every $1 you spend at Sobeys, Safeway, Foodland, and Cineplex.4

Special offer

Earn up to 5,000 bonus Scene+ points within your first year.2

Learn more

Scotiabank American Express® Card (for students)

Main features and perks

Earn up to 3X Scene+TM points on every $1 you spend on eligible grocery, dining, and entertainment purchases1.

 

Special offer

Earn up to 7,500 bonus Scene+ points within your first 3 months (that’s up to $75 towards travel).4

Learn more

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

Main features and perks

No annual fee and cash back on everyday purchases.

Special offer

Earn 5% cash back on all purchases for the first 3 months (up to $2,000 in total purchases).2 Plus, get a 0% introductory interest rate on balance transfers for the first 6 months (22.99% after that; annual fee $0).2

Learn more
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