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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.

Revolving Credit Agreement

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 March 4, 2025)

New!

Notice of changes

For Quebec residents only if you have Scotiabank Personal Credit Card or Line of Credit Account (How we Apply your Payments)

Notice of Change to Revolving Credit Agreement - How we Apply Payments effective August 7, 2025

Important updates to the Scotia SelectPay™ Plan Terms and Conditions that apply to the Revolving Credit Agreement for your Scotiabank Personal and Business Credit Card Account

For all Scotiabank Visa credit card accounts and Scotiabank American Express credit card accounts

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

Credit card and Line of Credit 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.