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Important Notice of Changes
Changes to Scotiabank Credit Card Accounts
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Changes to the Scotiabank Rewards Visa* Credit Card
This card will no longer be supported as of May 1, 2023.
To help you with this transition, we’re pleased to offer you the opportunity to switch to our award-winning Scotiabank® Scene+™ Visa* Card, which has no annual fee† and gets you Scene+TM points faster with 1 Scene+ point for every $1 you spend on your everyday purchases.
Check out the card comparison below and see how the key features† of your current card compares to the Scotiabank® Scene+™ Visa* Card:
Your Scotiabank Rewards Visa Card Scotiabank® Scene+™ Visa* Card Annual fee $0 $0 Annual Interest Rate1 19.99% on Purchases
22.99% on Cash Advances
Cash Advances include Balance Transfers, Scotia Credit Card Cheques and cash-like transactions.19.99% on Purchases
22.99% on Cash Advances
Cash Advances include Balance Transfers, Scotia Credit Card Cheques and cash-like transactions.Rewards Program - Get 1 Scene+ point for every $2 you spend on every eligible purchase.
- Earn 2 Scene+ points for every $1 you spend on credit card purchases at Sobeys, IGA, Safeway, Foodland and more.
- Earn 2 Scene+ points for every $1 you spend on credit card purchases at Cineplex^ theatres or at cineplex.com.
- Earn 1 Scene+ point for every $1 you spend on your everyday credit card purchases.
Embedded Insurance(s)
(if applicable)Not included Not included Optional Insurance
(if applicable)Scotia® Credit Card Protection
(requires application)Scotia® Credit Card Protection
(requires application)† Rates, fees and other features and benefits are subject to change. See your agreement disclosure statement for your replacement card for details.
Changes apply as of May 1, 2023.
You have the following options ahead of the May 1, 2023 changes taking effect to your Account:
Option 1: Early activation of Scotiabank® Scene+™ Visa* Card before May 1, 2023 - Activate your new replacement Scotiabank® Scene+™ Visa* Card upon receipt prior to May 1, 2023.
- Upon activation of the Scotiabank® Scene+™ Visa* Card, you will start earning Scene+ Points on purchases under the Scene+ Program.
Option 2: Auto-switch to Scotiabank® Scene+™ Visa* Card as of May 1, 2023
(no action required)- If you have not activated your new replacement Scotiabank® Scene+™ Visa* Card before May 1, 2023 (Option 1), you will be automatically switched over immediately thereafter. Remember to activate your replacement Scotiabank® Scene+™ Visa* Card by calling us at 1-888-999-7185 on or after May 1, 2023 so you can start using it and earning Scene+ points on purchases.
- Your current account and all card(s) will be active until you are auto-switched on or after May 1, 2023.
- Remember to call us earlier than this date if you want to avoid any service interruption with your account.
Option 3: Choose a different Scotiabank credit card or cancel your current Scotiabank credit card account. - Prior to May 1, 2023 or sooner, you must contact us at 1-888-999-7185 or visit your local branch to discuss switching to a different Scotiabank credit card account before the automatic switch to the Scotiabank® Scene+™ Visa* Card on May 1, 2023. For certain credit cards, a credit approval or other requirements may be required.
- If you choose to close your account before May 1, 2023, you will need to review your Scene+ Program for any terms and conditions to redeem any Scene + Points balance or avoid their cancellation.
Scotia Credit Card Protection Insurance: If you have optional Scotia Credit Card Protection on your Account your insurance will automatically carry over to your new credit card at the time of your switch. For Option 3, if you have Scotia Credit Card Protection you should call 1-855-753-4272 to learn more about the implications these changes may have to your coverage and potential claim eligibility.
Important:
For Option 2: The auto-switching process will be initiated starting May 1, 2023. Ensure you have your Scotiabank® Scene+™ Visa* Card activated by May 1, 2023 to avoid any service disruption on auto-switching by contacting before May 1, 2023 if you can.
For Options 1 and 2: Your existing credit card balances and credit limits at the time of the switch will be transferred to your new credit card automatically. We will no longer be servicing replacement requests for lost, stolen or damaged cards for your Scotiabank Rewards Visa Credit Card.
We pride ourselves in providing expert advice and service and we’re committed to finding customized solutions that best suit all of our customer needs. You can discuss your banking solutions with us any time by scheduling an appointment with your financial advisor or calling us at 1-888-999-7185. If you have questions or if you do not agree with any of the changes, you must notify us within 90 days of the effective date of the changes to your discontinued product. We can discuss an alternative product for you, or we can close your Account (without additional cost or penalties) and discuss payment options for any outstanding balance on your Account.
Please note, as we will no longer be supporting your current credit card, we will not be servicing replacement requests for lost, stolen or damaged cards. You have the option to switch to a different credit card with us.
Alternatively, we can discuss a more suitable product for you or we can close your Account and discuss payment options for any outstanding balance. Please schedule an appointment with your financial advisor or call us at 1-888-999-7185.
If you have optional Scotia Credit Card Protection on your current credit card, please be advised your insurance will carry over to your new Credit Card Product at the time of your switch and your premium will be charged to your new Credit Card account.
If you set up pre-authorized payment (PAP) to make a payment to your credit card account with us, that PAP will continue on your replacement credit card. However, you may still receive a final statement for your current card for which you must make a payment (PAP not applied). The PAP will only apply on the first statement for your replacement card after activation or auto-switch on or after May 1, 2023.
We’d suggest you make a manual payment to your current credit card to ensure you do not miss making any required payments on your card. For payment options, see your statement or contact us.
If you have set up any recurring bill payments on your current card, you will have to re-set those directly with the merchant/service providers on your replacement Scotiabank® Scene+™ Visa* Card account.
Please call 1-888-999-7185 to activate your new Scotiabank® Scene+™ Visa* Card and start using it.
Insurance claims on your current card will be supported if they meet the eligibility requirements on any eligible transaction charged to your current card till May 1, 2023. If you have any questions or to inquire about a claim, please contact an administrator by calling 1-800-263-0997.
Insurance claims on your current card will be supported if they meet the eligibility requirements.
Your Scene+ membership number will not change when you activate or are auto switched to your Scotiabank® Scene+™ Visa* Card. You will continue to earn Scene+ points on all eligible transactions and you can redeem previously earned Scene+ points as per the program terms and conditions.
® Registered trademarks of The Bank of Nova Scotia.
TM Scene+ and the Icon Design are trademarks of Scene Plus IP Corporation.
* Visa Int./Licensed User.
^ Cineplex Entertainment LP, used under license.
1 Annual Interest Rates Changes: If your Account currently has a promotional or special lower interest rate(s) on purchases or cash advances that applies that has not expired or has no expiry date, that rate(s) will end when your Account is discontinued and any outstanding balance transferred to your replacement card from your Account will have interest applied at the rates disclosed on the agreement disclosure statement for your replacement card.
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Changes to the No-Fee ScotiaGold Visa* Credit Card
This card will no longer be supported as of May 1, 2023.
To help you with this transition, we’re pleased to offer you the opportunity to switch to our award-winning Scotiabank® Scene+™ Visa* Card, which has no annual fee† and gets you Scene+TM points faster with 1 Scene+ point for every $1 you spend on your everyday purchases.
Check out the card comparison below and see how the key features† of your current card compares to the Scotiabank® Scene+™ Visa* Card:
Your No-Fee ScotiaGold Visa Card Scotiabank® Scene+™ Visa* Card Annual fee $0 $0 Annual Interest Rate1 19.99% on Purchases
22.99% on Cash Advances
Cash Advances include Balance Transfers, Scotia Credit Card Cheques and cash-like transactions.19.99% on Purchases
22.99% on Cash Advances
Cash Advances include Balance Transfers, Scotia Credit Card Cheques and cash-like transactions.Rewards Program No Rewards Earn on this Product
- Earn 2 Scene+ points for every $1 you spend on credit card purchases at Sobeys, IGA, Safeway, Foodland and more.
- Earn 2 Scene+ points for every $1 you spend on credit card purchases at Cineplex^ theatres or at cineplex.com.
- Earn 1 Scene+ point for every $1 you spend on your everyday credit card purchases.
Embedded Insurance(s)
(if applicable)Rental Car Collision Not included Optional Insurance
(if applicable)Scotia® Credit Card Protection
(requires application)Scotia® Credit Card Protection
(requires application)† Rates, fees and other features and benefits are subject to change. See your agreement disclosure statement for your replacement card for details.
Changes apply as of May 1, 2023.
You have the following options ahead of the May 1, 2023 changes taking effect to your Account:
Option 1: Early activation of Scotiabank® Scene+™ Visa* Card before May 1, 2023 - Activate your new replacement Scotiabank® Scene+™ Visa* Card upon receipt prior to May 1, 2023.
- Upon activation of the Scotiabank® Scene+™ Visa* Card, you will start earning Scene+ Points on purchases under the Scene+ Program.
Option 2: Auto-switch to Scotiabank® Scene+™ Visa* Card as of May 1, 2023(no action required)
- If you have not activated your new replacement Scotiabank® Scene+™ Visa* Card before May 1, 2023 (Option 1), you will be automatically switched over immediately thereafter. Remember to activate your replacement Scotiabank® Scene+™ Visa* Card by calling us at 1-888-999-7185 on or after May 1, 2023 so you can start using it and earning Scene+ points on purchases.
- Your current account and all card(s) will be active until you are auto-switched on or after May 1, 2023.
- Remember to call us earlier than this date if you want to avoid any service interruption with your account.
Option 3: Choose a different Scotiabank credit card or cancel your current Scotiabank credit card account. - Prior to May 1, 2023 or sooner, you must contact us at 1-888-999-7185 or visit your local branch to discuss switching to a different Scotiabank credit card account before the automatic switch to the Scotiabank® Scene+™ Visa* Card on May 1, 2023. For certain credit cards, a credit approval or other requirements may be required.
Scotia Credit Card Protection Insurance: If you have optional Scotia Credit Card Protection on your Account your insurance will automatically carry over to your new credit card at the time of your switch. For Option 3, if you have Scotia Credit Card Protection you should call 1-855-753-4272 to learn more about the implications these changes may have to your coverage and potential claim eligibility.
Embedded Insurance Features: In addition, any insurance coverage included with your No-Fee ScotiaGold Visa Card will end when your Account is closed.
Important:
For Option 2: The auto-switching process will be initiated starting May 1, 2023. Ensure you have your Scotiabank® Scene+™ Visa* Card activated by May 1, 2023 to avoid any service disruption on auto-switching by contacting before May 1, 2023 if you can.
For Options 1 and 2: Your existing credit card balances and credit limits at the time of the switch will be transferred to your new credit card automatically. We will no longer be servicing replacement requests for lost, stolen or damaged cards for your No-Fee ScotiaGold Visa Card.
We pride ourselves in providing expert advice and service and we’re committed to finding customized solutions that best suit all of our customer needs. You can discuss your banking solutions with us any time by scheduling an appointment with your financial advisor or calling us at 1-888-999-7185. If you have questions or if you do not agree with any of the changes, you must notify us within 90 days of the effective date of the changes to your discontinued product. We can discuss an alternative product for you, or we can close your Account (without additional cost or penalties) and discuss payment options for any outstanding balance on your Account.
Please note, as we will no longer be supporting your current credit card, we will not be servicing replacement requests for lost, stolen or damaged cards. You have the option to switch to a different credit card with us.
Alternatively, we can discuss a more suitable product for you or we can close your Account and discuss payment options for any outstanding balance. Please schedule an appointment with your financial advisor or call us at 1-888-999-7185.
If you have optional Scotia Credit Card Protection on your current credit card, please be advised your insurance will carry over to your new Credit Card Product at the time of your switch and your premium will be charged to your new Credit Card account.
If you set up pre-authorized payment (PAP) to make a payment to your credit card account with us, that PAP will continue on your replacement credit card. However, you may still receive a final statement for your current card for which you must make a payment (PAP not applied). The PAP will only apply on the first statement for your replacement card after activation or auto-switch on or after May 1, 2023.
We’d suggest you make a manual payment to your current credit card to ensure you do not miss making any required payments on your card. For payment options, see your statement or contact us.
If you have set up any recurring bill payments on your current card, you will have to re-set those directly with the merchant/service providers on your replacement Scotiabank® Scene+™ Visa* Card account.
Please call 1-888-999-7185 to activate your new Scotiabank® Scene+™ Visa* Card and start using it.
Insurance claims on your current card will be supported if they meet the eligibility requirements on any eligible transaction charged to your current card till May 1, 2023. If you have any questions or to inquire about a claim, please contact an administrator by calling 1-800-263-0997.
Insurance claims on your current card will be supported if they meet the eligibility requirements.
® Registered trademarks of The Bank of Nova Scotia.
TM Scene+ and the Icon Design are trademarks of Scene Plus IP Corporation.
* Visa Int./Licensed User.
^ Cineplex Entertainment LP, used under license.
1 Annual Interest Rates Changes: If your Account currently has a promotional or special lower interest rate(s) on purchases or cash advances that applies that has not expired or has no expiry date, that rate(s) will end when your Account is discontinued and any outstanding balance transferred to your replacement card from your Account will have interest applied at the rates disclosed on the agreement disclosure statement for your replacement card.
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Changes to the SCENE®* and Scotia Rewards** programs
Learn more about the changes to the SCENE®* and Scotia Rewards** programs.
Learn more about the new Scene+™ enhanced rewards program that gives members greater flexibility to earn and redeem points.
®*Registered trademark of SCENE IP LP, used under license.
**The Scotia Rewards Program is provided by The Bank of Nova Scotia. The SCENE Program is provided by Scene Limited Partnership.™Trademark of Scene IP LP, used under license.