Offer Description and Conditions: The Introductory 0.99% Balance Transfer Rate and First Year Annual Fee Waiver Offer (the “Offer”) applies only to new Scotiabank Value Visa credit card accounts (“Accounts”) that are opened between October 31, 2025 and October 31, 2026 (regardless of the date you apply for the Account)  subject to the conditions below.  We will waive the annual fee for the primary card on the Account for the first year only.  All other terms and conditions of the Program Terms continue to apply during the Offer period.  Offer may be changed, cancelled or extended at any time without notice and cannot be combined with any other offers
 

Introductory 0.99% Balance Transfer Rate Offer Description and Conditions: The Introductory 0.99% Balance Transfer Rate Offer (the “Rate Offer”) applies only to eligible cash advances (including balance transfers and cash-like transactions) (collectively “Cash Advances”) subject to the conditions below. This introductory rate applies for 9 months from date of Account opening (the “Promotional Period”).  A balance transfer fee of 2% of the amount of each Cash Advance transferred or made during the Promotional Period applies (minimum fee of $5.00). After the Promotional Period, the promotional 0.99% interest rate on any Cash Advances (including any amount of those Cash Advances that remain unpaid after the Promotional Period ends) will increase to the preferred interest rate on Cash Advances (currently 13.99%).

This Rate Offer is subject to any Cash Advance limits on your Account. This Offer also is subject to the approved credit limit that is being offered to you as of the date of this Offer. This means if a balance transfer amount(s) requested exceeds your approved credit limit as of the date this Rate Offer was provided to you, it may not be processed. This Rate Offer cannot be used for any Scotiabank account including to transfer a balance from another Scotiabank account, or to make a payment or deposit to another Scotiabank account.
 

Losing your Promotional Rate: If we don’t receive  the minimum payment on your Account by the payment due date on your statement, two consecutive times , you will lose the benefit of this promotional Rate Offer and the interest rates that apply on any unpaid balance will increase to the standard annual interest rates that apply to your Account (currently 24.99% on purchases and 27.99% on Cash Advances).

How We Apply Payments: Your payment cannot be applied to the balance(s) of your choice. In general, if you make a payment that exceeds the minimum payment on your statement, we will apply your payment on a proportionate basis among each group of billed charges on your Account. We group charges based on the interest rate that applies to the group of charges. See your credit card agreement for more information about how we apply payments to your Account.
 

First Year Annual Fee Waiver Offer Description and Conditions: We will waive the annual fee for the primary card issued between October 31, 2025 and October 31, 2026 on the Account for the first year only.
 

Eligibility and Exclusions: Individuals who are currently or were previously primary or secondary cardholders of a Scotiabank personal credit card in the past 2 years, including those that switched to an existing Scotiabank personal credit card  are not eligible for the Offer (and subject to these exclusions, individuals with a Scotiabank business credit card are also eligible for the Offer). By accepting this Offer you confirm you meet all Offer eligibility requirements. We reserve the right to revoke this Offer at any time if we determine you do not meet the Offer eligibility requirements, including after you have accepted the Offer or been approved for the Account.
 

Rates and Fees:  The current annual fee is $29 for the primary card and $0 for each additional card (including those issued to co-borrowers and supplementary cardholders). The current preferred annual interest rates for the Account are 13.99% on purchases and 13.99% on Cash Advances. All rates, fees, features and benefits are outlined in the Application Disclosure Statement and are subject to change.

For current rates and information on fees and interest, call 1-888-882-8958. Interest rates, fees and features are subject to change without notice. Learn more about credit card fees and interest rates.

The Primary Cardholder on the Scotiabank Value® Visa* Card Account (the “Account”) is responsible for all charges to the Account including those made by the additional Supplementary Cardholder.

For example, on an outstanding balance of $5,000 with an annual interest rate of 13.99% and assuming a constant balance (i.e., no other transactions posted) during a 12 month period, you can save $800 in interest compared to a credit card with an annual interest rate of 29.99% ($1,499.50 interest for 12 months at 29.99% compared to $699.50 interest for 12 months at 13.99%). Actual interest savings will depend on various factors including the outstanding balance and the amounts, timing and application of any payments made, the nature of the transactions and the interest rate of the credit card being compared. Interest rate comparison effective June 19, 2024 and subject to change.

The savings of up to 25% applies to Avis and Budget base rates and is applicable only to the time and mileage charges of the rental. All taxes, fees (including but not limited Air Conditioning Excise Recovery Fee, Concession Recovery Fee, Vehicle License Recovery Fee, Energy Recovery Fee, Tire Management Fee, and Frequent Traveler Fee) and surcharges (including but not limited to Customer Facility Charge and Environmental Fee Recovery Charge) are extra. The Bank of Nova Scotia is not responsible for, and provides no representations, warranties or conditions regarding this offer or any Avis or Budget products or services, including Avis Preferred Plus membership and services and those obtained under this offer, which are governed solely by Avis’ terms and conditions. Avis Preferred Plus membership and services are provided by Avis.

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

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

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.