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Scotiabank American Express Cards, Scotiabank Visa Credit Cards and Scotiabank Personal Line of Credit Accounts

At Scotiabank, we are committed to helping you better understand the terms and conditions associated with your revolving credit products and any updates or changes that we make to them. Please click on the link below to review the current Revolving Credit Agreement for your account. A complete listing of the accounts governed by this agreement is also below.

Revolving Credit Agreement (effective August 1, 2023)

Notices

New!

Revolving Credit Agreement Changes

For accounts opened on or after January 29, 2024

Applies only to Scotiabank Scene+ Visa credit card accounts and Scotia Home Hardware PRO Visa Business credit card accounts

For accounts opened on or after March 11, 2024

Applies only to Scotiabank Gold American Express credit card accounts

For accounts opened on or after July 30, 2024

For all personal Scotiabank American Express credit card accounts
For all personal and small business Scotiabank Visa credit card accounts (except for ScotiaLine for business Visa credit card accounts)

Notice of Revolving Credit Agreement Updates (Effective January 29, 2024)

For accounts opened on or before January 28, 2024

For all personal Scotiabank American Express credit card accounts (Note: also including Scotiabank Gold American Express credit card accounts opened before March 11, 2024)
For all personal and small business Scotiabank Visa credit card accounts (except for ScotiaLine for business Visa card accounts)

Notice of Revolving Credit Agreement Updates (Effective November 12, 2024)

SelectPay^TM Plan Terms and Conditions Changes: (that form part of your Revolving Credit Agreement)

For accounts opened on or before July 29, 2024

For all Scotiabank Visa credit card accounts (except small business Scotiabank Visa credit card accounts and Scotiabank U.S. Dollar Visa credit card accounts)

For accounts opened between July 29, 2024 - August 28, 2024

Applies only to Scotia Momentum No-Fee Visa credit card accounts, Scotia Momentum Visa credit card accounts and Scotiabank Value Visa credit card accounts

Important Notice about Installment Plans (Effective as of May 15, 2022)

Important Updates to the SelectPay Plan (Effective as of November 12, 2024)

SelectPay^TM Plan Terms and Conditions Changes: (that form part of your Revolving Credit Agreement)

For accounts opened on or after January 29, 2024 and until July 29, 2024

Applies only to Scotiabank Scene+ Visa credit card accounts and Scotia Home Hardware PRO Visa Business credit card accounts

Important Notice about Installment Plans (Effective as of January 29, 2024)

Important Updates to the SelectPay Plan (Effective as of November 12, 2024)

For accounts opened on or after July 30, 2024

For all Scotiabank Visa credit card accounts and Scotiabank American Express credit card accounts (except for ScotiaLine for business Visa credit card accounts)

Important Notice about SelectPay Plans (Effective as of July 30, 2024)

Credit card account open dates may impact notices that apply to you to help you understand changes we make to our product and services to serve you better now and into the future. Please review them carefully.