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

Important Notice

Effective May 1, 2020, our Revolving Credit Agreement will be updated.  This applies to Personal and Small Business Scotiabank American Express and Visa Credit Card accounts and to Personal Scotiabank Line of Credit accounts.

In addition, certain fees are increasing from $3.50 or $4.00 (as applicable) to $5.00 on Personal and Small Business Credit Card Accounts.

A summary of these changes can be found here. Refer below for an updated copy of the Revolving Credit Agreement in effect as of May 1, 2020.

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.    

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

Scotia Momentum® VISA Infinite card

Scotia Momentum® VISA Card

Scotia Momentum® No-Fee VISA card


SCENE VISA card – Student

L'earn™ Visa Card

ScotiaGold Passport VISA Card

No-Fee ScotiaGold VISA Card

Scotiabank Value VISA Card

No-Fee Scotiabank Value VISA Card

ScotiabankRewards VISA* Card

Scotiabank Platinum American Express® Card

Scotiabank Gold American Express® Card

ScotiabankAmerican Express® Card

Scotiabank Passport™ Visa Infinite* card

Scotiabank® U.S. Dollar VISA* Card

Scotiabank® GM®* Visa Infinite* Card

Scotiabank® GM®* VISA* Card

Scotiabank® More Rewards®* VISA* Card

Scotia Moneyback® VISA* card

Scotia Momentum® for business VISA* card

ScotiaLine for business VISA* Card

Scotiabank® GM®* Visa* Business Card

Scotiabank Passport™ Visa Infinite Business* Card

ScotiaGold Passport for business VISA Card


Scotia InvestmentTM Line of Credit

Scotia InvestmentTM Management Line of Credit

Scotialine Personal Line of Credit 

Scotialine Personal Line of Credit for Students

Scotia Professional® Student Plan

Scotialine Personal Line of Credit 

Scotialine Personal Line of Credit / Cash Secured

Scotialine Personal Line of Credit - STEP

Scotia RSP Catch-Up Line of Credit

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