Scotiabank Passport® Visa Infinite Privilege* Card

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 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.  

If you open an Ultimate Package account (the “Account”), on or after the date you open the Account (“Account Open Date”) you will receive an annual fee rebate of up to $150 on one Eligible Card that you hold as the primary cardholder (the “Annual Fee Rebate”) for each year the Eligible Card and the Account are open and in good standing. You will receive the Annual Fee Rebate even if you opened an Eligible Card prior to the Account Open Date. “Eligible Cards” are the Scotiabank Gold American Express, Scotiabank Passport™ Visa Infinite*, Scotiabank Passport® Visa Infinite Privilege*, Scotia Momentum® Visa Infinite and Scotiabank Value® Visa* credit cards. Eligible Cards are subject to change. Each Account will only receive one Annual Fee Rebate regardless of the number of accountholders on the Account or Eligible Cards held or opened. The Annual Fee Rebate will be applied to the first annual fee charged on the Eligible Card after the Account Open Date. If you are the primary cardholder of multiple Eligible Cards, the Annual Fee Rebate will be applied to the first annual fee that is charged on an Eligible Card after the Account Open Date. If your Eligible Card has an annual fee that is greater than $150, you remain responsible for any difference after the Annual Fee Rebate is applied. All other fees and charges applicable to the Eligible Card continue to apply. The Annual Fee Rebate cannot be combined with any other annual fee reduction offer. Current annual fees, rates and other features for Eligible Cards are subject to change.  

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.  

Cardholders with a valid Canadian issued Visa Infinite Privilege Card have access to participating lounges within the Visa Airport Companion Program (“Program”), hosted and managed by Dragonpass International Ltd. Cardholders must enrol 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 Canadian issued Visa Infinite Privilege Card. Upon enrollment, 10 complimentary lounge visits will be available for the Cardholder per membership year; the complimentary visits can be used by the Cardholder for themselves and for their accompanying guests at participating lounges. All additional visits beyond the complimentary visits are subject to a fee of $32 USD (subject to change) per person per visit. Applicable lounge access charges will be billed to the Visa Infinite Privilege Card connected to the Cardholders’ Program membership. Unless suspended or cancelled, the Program membership and any included complimentary lounge visits (if applicable) will automatically renew annually on the anniversary date (e.g. when the Cardholder enrolled for the Program). To view a full list of participating airport lounges, their facilities, opening times and restrictions Cardholders can visit the Program App and Website for more information. Cardholders who participate in the Program are subject to the DragonPass Terms of Use, Terms of Service and Privacy Policy and Visa’s Privacy Notice. To view the full Terms and Conditions for the Program, please visit the Program App or Website. The Program services and benefits are provided by DragonPass and applicable third party offer providers and neither Visa nor the Issuer is responsible for any claims or damages arising from participation in the Program.   

ACCELERATED EARN RATES:

Travel Purchases: You are awarded three (3) Scene+ Points for every eligible $1.00 in travel purchases charged and posted to the Scotiabank Passport Visa Infinite Privilege credit card account (the “Account”). Travel purchases are those purchases identified further below under the “Merchant Classifications”.  

Earning Scene+ Points on Scene Program Card

You may earn Scene+ Points on the total value of your purchase made using Scene+ Travel, including taxes and fees, whether it was made using Scene+ Points or a payment card (including a Program Card) or a combination of the two. Any Scene+ Points earned on a travel purchase using Scene+ Travel will be applied to your Scene+ Account within 6 weeks after you have completed your itinerary.
 

• Hotels: 3 Scene+ Points per $1 spent;
• Car Rental: 3 Scene+ Points per $1 spent
• Things to Do: 3 Scene+ Points per $1 spent
   

The earn rates on Scene+ Travel may be changed.
 

Dining and Entertainment Purchases: You are awarded two (2) Scene+ Points for every eligible $1.00 purchase on all dining and entertainment purchases charged and posted to the Account (the earn rates for each of the categories are referred to as the “Accelerated Earn Rates”).

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

Merchant Classifications: You will earn the Accelerated Earn Rates on purchases made on your account at merchants classified in the Visa credit card network with a Merchant Category Code (“MCC”) in the “Travel” category (the “travel purchases”) (including Airlines and Air Carriers, Car Rental Agencies, Lodging – Hotels, Motels, Resorts, Local and Suburban Commuter Passenger Transportation, including Ferries, Passenger Railways, Taxicabs and Limousines, Bus Lines, Steamship and Cruise Lines, Airlines and Air Carriers – Not Elsewhere Classified, Travel Agencies and Tour Operators, Tolls and Bridge Fees, Transportation Services – Not Elsewhere Classified, Lodging – Hotels, Motels, Resorts, Central Reservation Services not elsewhere classified, Timeshares, Trailer parks and Campgrounds, Automobile Rental Agency and Motel Home and Recreational Vehicle Rentals ); or in the “Dining” category (“Dining Purchases”) (including Eating Places and Restaurants, Drinking Places and Fast Food Restaurants); or in the “Entertainment” category (the “Entertainment Purchases”) (including Motion Picture Theatres, Ticket Agencies and Theatrical Producers, Ticket Agencies, Bands, Orchestras, Miscellaneous Entertainers - Not Elsewhere Classified, Tourist Attractions and Exhibits, Aquariums, Seaquariums, Dolphinariums, and Zoos categories). MCC are set by the Visa credit card network associated with your Account and must be recognized by Scotiabank’s system as set out in the Scene+ Program terms and conditions. MCC are subject to change.

Purchases at merchants where these categories are not their primary business do not qualify. 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 that may not be classified with an MCC under the Accelerated Earn Rate categories of Travel, Dining and Entertainment and such purchases will not earn the Accelerated Earn Rates on the Account as applicable.

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 scotiabank.com/sceneplus for full program details.

All dollar amounts are in Canadian currency unless otherwise stated.

Travel purchases made by the primary cardholder on a Scotiabank Passport Visa Infinite Privilege credit card account (the “Account”) will be eligible for a one-time, $250 CAD annual travel credit in each annual period of the Account (the “Annual Travel Credit”). The annual period (the “Annual Period”) starts from the Account open date or if a switch from an existing Scotiabank Visa credit card account then from effective switch date and resets every 12 months thereafter at anniversary open or switch date, as applicable. The Annual Travel Credit will be applied to the Account after the first purchase in that Annual Period of any flight, hotel, car rental, packages or things to do (also referred to as activities bookings) in a single transaction made only through Scene+ Travel, Powered by Expedia in the amount of $250 CAD (or more) (including taxes and excluding any Scene+ point redemptions) (an “Eligible Travel Purchase”). Eligible Travel Purchases exclude any returns, refunds or other similar credits. Eligible Travel Purchase must be posted in its entirety on the Account. Eligible Travel Purchase must be a single travel transaction made in one day (24 hour period) of $250 CAD or more (including taxes) (not a sum of transactions completed in one or more days) posted to the Account. The dollar value of any Scene redemption will be deducted from the amount of the Eligible Travel Purchase and must still equal to $250 CAD (or more) after such redemption. The amount of any insurance purchases (even if related to the Eligible Travel Purchase) do not qualify towards the amount ($250 CAD or more) of the Eligible Travel Purchase. In most cases, the Annual Travel Credit should be credited to the Account approximately on the next statement period after the Eligible Travel Purchase has been posted to the Account. The Annual Travel Credit will expire on the last day of each anniversary open or switch date (e.g. anniversary date is January 15th, 2025, it expires on January 14th, 2026) and cannot be carried forward. To receive the Annual Travel Credit the Account must be open, active and in good standing at time of credit to the Account. Good standing means the Account is not past due, overlimit and no cardholder on the Account is in breach of the agreement that applies to the Account (including the Revolving Credit Agreement). Embedded Insurances will apply to the ticket/purchase if the Annual Travel Credit is applied.  

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.

For additional Scene+ Travel Program Terms and Conditions visit sceneplus.ca/terms-and-conditions.
 

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.

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. For full terms and conditions, click here.  

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 must be booked through the Scene+ Travel website or Scene+ Travel call centre. Travel booked via the Scene+ Travel call centre may be subject to a booking fee. 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 purchases made through Scene+ Travel website or call centre (collectively “Scene+ Travel)”. Scene+ Points are only earned on the total value of hotel or car rental booking purchases (excluding 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 hotel or car rental booking purchases (including taxes and fees), or redeemed in part with the remaining balance paid by an available payment card.

You must be an eligible Visa Infinite Privilege Cardholder with a valid Visa Infinite Privilege card to take advantage of the Visa Infinite Privilege Airport Benefits & Services. Visa Infinite Privilege Airport offer is subject to availability. Discounts and benefits are non-transferable and discounts cannot be combined with any other offer or discount. Visa reserves the right to modify or cancel this offer at any time and without notice. For more information, including airport-specific benefit details and conditions, please visit visa.ca/infiniteprivilege.  

You must be an eligible Canadian-issued Visa Infinite Privilege cardholder (collectively the “Eligible Cards”) to take advantage of the Visa Relais & Châteaux Benefit. You must use your Eligible Card to reserve and pay for your stay, and your reservation needs to be made either through the Visa Concierge or the Visa Relais & Châteaux Benefit website (www.relaischateaux.com/us/osp/visa) to receive the Visa Relais & Châteaux Benefit which includes these benefits:   
 

•  Complimentary room upgrade based on availability upon arrival
• Complimentary daily breakfast for all members of your party
• VIP welcome (e.g. complimentary champagne upon arrival)
   

 Should the VIP Welcome or Complimentary Breakfast not be available, the property will substitute the benefit with something of equal or greater value. The Visa Relais & Châteaux Benefit is available only at the participating Relais & Châteaux properties featured on the Visa Relais & Châteaux Benefit website (www.relaischateaux.com/us/osp/visa) and are subject to change, cannot be combined with any other offers, and are non-transferable. The rates shown on the website exclude local tax. The Visa Relais & Châteaux Benefit is provided by the individual properties and neither Visa nor the Issuer is responsible for any claims or damages arising from the use of the Visa Relais & Châteaux Benefit. Visa reserves the right to modify or cancel this benefit at any time and without notice.

Cardholders must use their eligible Canadian-issued Visa Infinite Privilege card to reserve and pay for their hotel stay through the Visa Infinite Luxury Hotel Collection website or Visa Infinite Privilege Concierge to receive Visa premium card benefits. Visa reserves the right to modify or cancel this offer at any time and without notice. The Visa Infinite Luxury Hotel Collection benefits and services are provided by the individual hotels or their operators and suppliers; neither Visa nor the Issuer is responsible for any claims or damages arising from use of the Visa Infinite Luxury Hotel Collection. For full program terms and conditions, please visit: https://privilege.luxuryhotels.visainfinite.ca/about/benefits or https://www.visa.ca/en_CA/pay-with-visa/cards/credit-cards/infinite-privilege/terms-and-conditions.html.  

The Visa Luxury Hotel Collection (“us”, “we” or “VLHC”) guarantees the best publicly-available rates whenever an eligible Visa cardholder (“you”) books a hotel room through us, subject to terms and conditions (the “Best Rate Guarantee”).
 

If you find a lower room rate on another website, please submit your rate match request here. We will match a rate if all of the following occur: 
 

1. Your submission is completed within 24 hours of making the original booking through us, and no later than 72 hours prior to original booking’s arrival date. 
2. Your request for a rate-match specifies the lower rate and provides the exact link (URL) where we may confirm the lower rate. 
3. Your rate match request is submitted in the same currency as your Visa Luxury Hotel Collection booking. 
4. The lower rate for which you are requesting a match:
   a) is at least USD 20 lower than the rate from your original Visa Luxury Hotel Collection booking.
   b) is for the same hotel, has identical booking requirements (for example: room type, stay dates, length of stay, and number of guests) and has identical policies for payment and cancellation as your Visa Luxury Hotel Collection booking.
   c) is available to the general public on a public-facing website, that does not require (1) registration (e.g., setting login credentials or a password), (2) paid membership or use based upon predefined user characteristics (e.g., rates intended only for employees of a particular company, members of a particular association, members of a reward or loyalty program, corporate/group rates, or military or government rates), (3) you to provide a coupon or promotional code, (4) you to contact the hotel or an agency directly.
   d) does not have a “minimum night-stay” requirement, even if such requirement is met by your original Visa Luxury Hotel Collection booking.
   e) is not a rate or special offer offered exclusively by booking directly with the hotel.
   f) is not a pre-paid, non-cancellable, and/or non-refundable rate.
   g) is not available on auction or flash sale websites like, but not limited to, Priceline or Hotwire.
   h) is not a packaged rates that include the room with other travel and/or entertainment goods and services such as (but not limited to) airline tickets, car rentals, or show tickets.
    

We will review your request for a rate-match and respond within 48 hours.
 

If your rate match is approved, we will either adjust the nightly rate or a credit for the rate difference will be applied to your hotel folio at check out. We do not provide cash-backs, gift cards or reimbursements in any form directly to you.
 

By booking a hotel through us, you agree that (1) the Visa Luxury Hotel Collection decides, at its sole discretion, whether a rate is valid and meets the terms and conditions of the Best Rate Guarantee and (2) the Visa Luxury Hotel Collection’s decisions are final.

Visa Luxury Hotel Collection does not charge fees for making a booking or matching a rate.

The Visa Luxury Hotel Collection reserves the right to modify this Best Rate Guarantee at any time.

You must be an eligible Visa Infinite Privilege Cardholder with a valid Canadian-issued Visa Infinite Privilege Card to take advantage of the Visa RSVP Rewards Benefit (“Benefit”), provided by Northland Properties Corporation (“Northland”). Cardholders must enrol for the RSVP Rewards program (“RSVP Rewards”) at rsvprewards.com/sign-up using their eligible Visa Infinite Privilege Card to qualify for the Benefit; existing RSVP Rewards program members who are eligible Cardholders should call 1.800.726.3626 for instructions on how to obtain the Benefit. Once enrolled, eligible Cardholders will receive automatic Diamond Status in the RSVP Rewards program. Current tier benefits can be found at rsvprewards.com/terms-conditions and are subject to change. The Card number used for enrollment in the Benefit may be validated for continued eligibility for the Benefit on an annual basis. If you cease to be an eligible Cardholder, the automatic status gained from the Benefit may be removed. Cardholders who enrol for the Benefit are subject to the RSVP Rewards’ Terms and Conditions and Privacy Policy as well as the Visa Privacy Notice. The Benefit is non-transferable and may be discontinued at any time. The Visa RSVP Rewards Benefit is provided by Northland and neither Visa nor the Issuer is responsible for any claims or damages arising from using the RSVP Rewards program or the Benefit.  

Primary Cardholder on a Scotiabank Passport® Visa Infinite Privilege* credit card account (the “Account”) is eligible to apply for one complimentary annual membership in Avis®* President’s Club upon enrollment of their card.  Annual membership applies for 12 months from enrollment date.  
 Includes 2 car class upgrade (subject to availability) and expedited service - go straight to your car at most locations.   

Services and benefits are provided by a third party (“Avis”) and may vary by region or location and are subject to Avis’ terms and conditions. Other conditions may apply.

Membership may be cancelled if your Account is closed or is not in good standing. Good standing means your Account is not overlimit, past due or cardholders are not breach of the Revolving Credit Agreement that applies to the Account. 

The Bank of Nova Scotia is not responsible for this membership including any claims or damages arising from membership.  

Visit https://www.avis.com/scotiabankPassportVIP for full details 

You must be an eligible Canadian-issued Visa* Debit, Visa Classic*, Visa* Gold, Visa Platinum*, Visa* Business, Visa Infinite*, Visa Infinite Business* or Visa Infinite Privilege* cardholder (collectively the “Eligible Cards”) to take advantage of the Visa GigSky offer. To participate in the Offer, you must have an Eligible Card issued in your name, ensure your Eligible Card account is in good standing, and add the Eligible Card as the default payment method in the GigSky App. These Global Mobile Data plan options offer terms (these “Offer Terms”) apply to the offer (the “Offer”) made available to the Eligible Cards by GigSky, Inc. (“GigSky”). Any Offer Plan continues to be subject to the standard GigSky Terms of Service.  

The Offer is solely offered by GigSky, and Visa is not providing or responsible for any Offer Plans, Discounts or GigSky Products hereunder. GigSky reserves the right to terminate your Offer Plan if you no longer hold an Eligible Card or such Eligible Card is no longer in good standing. GigSky reserves the right to terminate the Offer or any Offer Plan or change the terms of the Offer or Offer Plan at any time and without notice and in its sole and absolute discretion. This Offer cannot be combined with other discounts and/or offers and is not redeemable for cash. Any taxes are the sole responsibility of the purchaser. The Offer is void where prohibited or restricted by applicable law. GigSky reserves the right to deny you participation in the Offer if GigSky suspects abuse or misuse of the Offer, in its sole discretion. You agree and acknowledge that GigSky may share your personal information with Visa and your debit or credit card issuing bank in connection with redemption of the Offer and use of an Offer Plan. For information about how we collect and use your Personal Information please see GigSky’s privacy policy at: https://www.gigsky.com/terms-and-conditions/privacy-policy

Visa Infinite Dining Series offers are available to Visa Infinite and Visa Infinite Privilege cardholders. Limit of 6 tickets per cardholder, and tickets are subject to availability. Purchased tickets must be cancelled more than 4 days before the event date for standard events, and 10 days before the event date for Prix Fixe Experiences -otherwise purchases are non-refundable. Events may be modified or cancelled, by Visa, in whole or in part at any time, for any reason, without prior notice or liability to any person. Advertised chefs and sommeliers may change without notice. Seating requests and special dietary restrictions and allergies will be considered when requested at booking, but cannot always be accommodated. Venues are not conducive to young children. Please drink responsibly. Visit visa.ca/infiniteprivilege for full details and terms. Cardholders will be informed at least seven business days prior to an event of any change, postponement or cancellation. In the event of a cancellation, Cardholders will receive a full refund. Cardholders must follow all provincial guidelines and cooperate with restaurant policies. In the event a guest fails to comply with provincial or restaurant policies, the restaurant and/or Visa and its service providers reserve the right to, without any refund or compensation, terminate such person's right to attend the event. The offers described herein are only available to Canadian Visa Infinite and Visa Infinite Privilege Cardholders. The appearance by all chefs, sommeliers, and bartenders and livestream events is subject to change without notice.Offer is based on availability and additional terms and conditions may apply. Visit visa.ca/infiniteprivilege for details. 

Eligible Visa Infinite and Visa Infinite Privilege Cardholders must be legal drinking age to participate in this benefit. Reservations are mandatory for the wineries that are flagged by a star [*] on visa.ca/infiniteprivilege. Please contact the winery directly for reservations, hours of operation, blackout dates and other details. Tours, tastings, selection of merchandise, including wine, may be subject to availability. Eligible Visa Infinite card must be presented at winery and used for any program-related purchases. Wine experiences may be modified or cancelled, by Visa or wineries, in whole or in part at any time, for any reason, without prior notice or liability to any person. Please drink responsibly. Venues are not conducive to young children.  

You must be an eligible Canadian Visa Infinite Privilege Cardholder with a valid Visa Infinite Privilege card to take advantage of the Visa Infinite Privilege Access Golf Benefit. The Visa Infinite Privilege Access Golf Benefit may be cancelled if your Visa Infinite Privilege card is cancelled. By reserving through Access, the Cardholder consents to be bound by all the terms and conditions, as stated herein through the Visa Infinite Privilege Access Golf Benefit, as well as the Access Rewards®** Terms and Conditions and the Troon Privacy Policy. Troon, Visa and its Issuers, or any of its Concierge providers, are not responsible for any claims or damages arising from this offer. Troon and Visa reserve the right to modify or cancel this benefit at any time without notice. Should you require assistance enrolling for this benefit, please email the Concierge at info@troon.com.  

Privé Course Access
Canadian issued Visa Infinite Privilege Cardholders are invited to reserve tee times at participating Troon Privé private clubs at a rate of $99 USD (+ Tax where applicable, and subject to change) per player per round. Cardholders may bring up to three guests at the same rate on each tee time they make and may play each Troon Privé course up to two times per calendar year. Request a round by using the form provided at https://golfwithaccess.com/membership/visa/verify/visa-infinite-privilege-ca  (Restrictions on course availability may apply). An eligible Canadian issued Visa Infinite Privilege credit card is required for tee time reservations and must be used for payment.

 
Elevated Access Rewards Status
Canadian-issued Visa Infinite Privilege credit Cardholders are entitled to receive complimentary Platinum Status in the Access Rewards program upon enrollment into Access Rewards via the Visa Infinite Privilege Access website. At the Platinum membership level, the Cardholder will be entitled to earn 1.2x points per $1 spent on rounds of golf  when using their Visa Infinite Privilege credit card. 

The goods and services Cardholders request or otherwise choose to obtain through the Visa Infinite Privilege Concierge Service are provided by various third party service providers unrelated to Visa. Visa does not endorse, review or qualify these service providers. Visa makes no representations or warranties (either express or implied) about, and assumes no responsibility or liability for these service providers or the goods and services that may be obtained through the Visa Infinite Privilege Concierge. Neither Visa nor the Issuer is responsible for any claims or damages arising from use of any benefits or services provided by a third party. Visa cannot guarantee the successful fulfillment of Cardholders’ requests in all instances. There is no fee for the Concierge’s services, however Cardholders are responsible for the cost of any goods or services (including any related fees or costs) authorized by the Cardholder and purchased by the Visa Infinite Privilege Concierge on the Cardholder’s behalf. All costs will be charged directly to the Cardholder’s Visa Infinite Privilege card.      

From 07/10/2024 through 06/30/2026 (“Benefit Term”), the Visa Dining Collection OpenTable Benefit (as defined below) is available to cardholders (individually, “you” or “your”) with eligible U.S. issued Visa Infinite® cards, Mexico issued Visa Infinite® cards or Canada issued Visa Infinite Privilege® cards (“Eligible Visa Cards”). Cardholders with Eligible Visa Cards must (1) visit OpenTable.com or open the OpenTable mobile app; (2) sign in to an existing OpenTable account or sign up for a free OpenTable account; (3) complete the eligibility check to verify their Eligible Visa Card; and (4) add their Eligible Visa Card to their OpenTable account to redeem the Visa Dining Collection OpenTable Benefit. The Visa Dining Collection OpenTable Benefit includes exclusive access to primetime reservations at participating restaurants in select cities (“Participating Restaurants”) offered by OpenTable through the OpenTable platform which includes, without limitation, OpenTable’s website, mobile app, and the Benefit page during the Benefit Term (“Visa Dining Collection OpenTable Benefit” or “Benefit”). Participating Restaurant inventory that is not booked prior to reservation day/time may be released to general OpenTable inventory.    

Certain Participating Restaurants may require credit card information to make a reservation and/or pre-pay for all or a portion of the dining experience. In such instances, the Eligible Visa Card stored in your OpenTable account must be used. If an Eligible Visa Card is no longer stored in your OpenTable account, you may be required to successfully complete an additional eligibility verification of an Eligible Visa Card. If your card is ineligible at the time of the eligibility check, OpenTable may store your card in your account for future eligibility purposes and for general use on the OpenTable platform, subject to the OpenTable Terms of Use and OpenTable Privacy Policy. OpenTable will conduct an eligibility check immediately upon card verification, followed by a subsequent eligibility check once every 24 hours when the user visits OpenTable properties. If your previously ineligible card becomes eligible, OpenTable will grant you access to the Visa Dining Collection OpenTable Benefit and notify you of such. You must go through the verification flow to receive eligibility status notification. OpenTable and Visa shall have no further responsibility for your dining experience, including your experience at a Participating Restaurant.

The Benefit is subject to modification or cancellation without notice, and to the extent permissible under applicable law, OpenTable may update or amend these terms from time to time at its discretion. The Benefit is subject to all applicable federal, state, provincial, and local laws and regulations. Void where prohibited. Cardholders with Eligible Visa Cards are also subject to the OpenTable Terms of Use and Privacy Policy. OpenTable shall not be obligated to honor the Benefit for any cardholder that is unable to validate their card’s eligibility or violates OpenTable policies.

You must be an eligible Visa Infinite Privilege Cardholder with a valid Canadian issued Visa Infinite Privilege card to take advantage of the Visa Infinite Privilege benefits and services. Certain benefits and services require enrolment. Offers and benefits are non-transferable and discounts cannot be combined with any other offer or discount. Neither Visa nor the Issuer of the card is responsible for any claims or damages arising from use of any benefits or services provided by a third party. Visa reserves the right to modify or cancel offers or benefits at any time and without notice. All offers, benefits and services made available through Visa are subject to complete terms and conditions, including third party suppliers’ terms and conditions, available through the Visa Infinite Privilege Concierge at 1-855-822-1240, and as set out on visa.ca/infiniteprivilege. The Visa Infinite Privilege Privacy Notice applies to all benefits and services that require enrolment through, or are otherwise provided by, the Visa Infinite Privilege Concierge or the Visa Infinite Privilege website or mobile app. The collection, use and disclosure of Cardholders’ personal information by third party suppliers of services and benefits to Visa Infinite Privilege Cardholders are subject to such third parties’ own privacy policies.  

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

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:  Tel: 1-800-387-7199, Option 3, or www.chubb.com 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.   

The Bank and its affiliates are not responsible for any services or features and benefits that are offered by, or made available by, or through third parties relating to the Account.

All rates, fees, services, features and benefits are subject to change.