Credit Card Terms and Conditions

The following definitions apply to these Terms and Conditions:

·       “Cardholder” means the credit card holder

·       “Cycles” refer to the credit card’s billing cycles

·       “Promotional Period” refers to the period from November 1, 2019 to February 29, 2020 inclusive  for spend, first purchase and activation bonuses.  For Scotiabank MasterCard Gold AMAZON.com promotion, campaign period is from November 1, 2019 to December 31, 2019.

·       “Spend Bonus Period” refers to the period in which the predetermined spend threshold should be met

·       “Activation” means the moment at which the client activates his/her credit card

·       “Promotion” refers to this promotion and not any of the Bank’s other promotions or programs

·       “Eligible” refers to any individual qualified to participate in this promotion

·       “First Purchase Bonus” refers to the bonus a customer gets when the first purchase is made any time with his/her credit card

·       “Spend Bonus” refers to the bonus a customer gets when a predetermined spend threshold is met during the spend bonus period with his/her credit card

·       “AMAZON.com Promotional Code” refers to the promotional code customers who have signed up for a Scotiabank Mastercard Gold card between the dates November 1,2019 to December 31, 2019 will receive, that will make available US$50 spend on AMAZON.com.

·       "Scotiabank" or “Bank” means Scotiabank & Trust (Cayman) Ltd,  Scotiabank (British Virgin Islands) Limited, Scotiabank Trinidad and Tobago Limited, Scotiabank (Bahamas) Limited, Scotiabank (Barbados), Scotiabank (Belize), The Bank of Nova Scotia Jamaica Ltd, The Bank of Nova Scotia, Guyana, Scotiabank Antigua and Barbuda and Scotiabank (Turks & Caicos) Ltd.

This Promotion is opened to legal residents of the Cayman Islands, British Virgin Islands, Trinidad & Tobago, Bahamas, Barbados, Belize, Jamaica, Guyana, Antigua and Turks & Caicos who are 18 years of age or older. These terms and conditions shall be governed by the applicable laws of the named countries.

Promotion will award new Scotiabank credit cardholders with the promotional benefits as detailed in the chart below for each country listed above.

 

Country

Credit Card

Reward

British Virgin Islands

Scotiabank / AAdvantage® MasterCard®

·       Bonus of 3,000 AAdvantage® miles upon the first purchase of any amount

·       Spend Bonus of 4,000 AAdvantage® miles when a cumulative amount of USD1,000 is spent during the first 3 cycles from account open date

Scotiabank Gold MasterCard®

·       Spend Bonus of USD55 when a cumulative amount of USD800 is spent during the first 3 cycles from account open date

·       New Cardholders up to Dec 31st, 2019 will receive a USD50 AMAZON.COM Promotional Code. Subject to customer’s valid email address being provided at the time of card application.

Cayman Islands

Scotiabank / AAdvantage® MasterCard®

·       Bonus of 3,000 AAdvantage® miles upon the first purchase of any amount

·       Spend Bonus of 4,000 AAdvantage® mileswhen a cumulative amount of USD1,300 is spent during the first 3 cycles from account open date

 

Scotiabank Gold MasterCard®

·       Spend Bonus of USD110 when a cumulative amount of USD1,100 is spent during the first 3 cycles from account open date.

·       New Cardholders up to Dec 31st, 2019 will receive a USD50 AMAZON.COM Promotional Code. Subject to customer’s valid email address being provided at the time of card application.

Bahamas

Scotiabank AERO* Platinum MasterCard®

 

·       Bonus of 3,000 Scotia Points upon the first purchase of any amount

·       Spend Bonus of 9,000 Scotia Points  when a cumulative amount of BSD2,500 /USD2,500 is spent during the first 3cycles from account open date

Scotiabank Gold MasterCard®

·       Spend Bonus of BSD95.20/USD95.20 when a cumulative amount of BSD950 /US$950 is spent during the first 3 cycles from account open date.

·       New Cardholders up to Dec 31st, 2019 will receive a USD50 AMAZON.COM Promotional Code. Subject to customer’s valid email address being provided at the time of card application.

Scotiabank Visa AAdvantage®

 

·       Bonus of 3,000  AAdvantage® miles upon the first purchase of any amount

·       Spend Bonus of 4,000 AAdvantage® miles when a cumulative amount of BSD1,000 / US$1,000 is spent during the first 3 cycles from account open date

·       .

Scotiabank Visa Classic

 

·       Bonus of BSD10 upon the first purchase of any amount

·       Spend Bonus of BSD20 when a cumulative amount of BSD250 /US$250 is spent during the first 3 cycles from account open date

·       .

Barbados

Scotiabank / AAdvantage® MasterCard®

·       Bonus of 3,000 AAdvantage® miles upon the first purchase of any amount

·       Bonus of 4,000 AAdvantage® miles when a cumulative amount of BBD1,900 is spent during the first 3 cycles from account open date

 

Scotiabank AERO* Platinum MasterCard®

 

·       Bonus of 3,000 Scotia Points upon the first purchase of any amount

·       Bonus of 9,000 ScotiaPoints  when a cumulative amount of BBD3,800 is spent within the first 3 cycles days from account open date

Scotiabank MasterCard®

·       Bonus of BBD30 when a cumulative amount of BBD400 is spent during the first 3 cycles from account open date

·       Additional Card Bonus of BBD10 when adding one or more supplementary cards in the first 3 cycles from account open date

Scotiabank Gold MasterCard®

·       Bonus of BBD115 when a cumulative amount of BBD1,100 is spent during the first 3 cycles from account open date.

·       New Cardholders up to Dec 31st, 2019 will receive a USD50 AMAZON.COM Promotional Code. Subject to customer’s valid email address being provided at the time of card application.

Belize

 

Scotiabank AERO* Platinum MasterCard®

 

·       Bonus of 3,000 Scotia Points upon the first purchase of any amount

·       Spend Bonus of 9,000 Scotia Points  when a cumulative amount of BZD5,500 is spent during the first 3 cycles from account open date

 

Scotiabank Gold MasterCard®

·       Spend Bonus of BZD150 when a cumulative amount of BZD1,700 is spent during the first 3 cycles from account open date.

·       New Cardholders up to Dec 31st, 2019 will receive a USD50 AMAZON.COM Promotional Code. Subject to customer’s valid email address being provided at the time of card application.

Scotiabank MasterCard® AAdvantage®

 

·       Bonus of 3,000  AAdvantage® miles upon the first purchase of any amount

·       Spend Bonus of 4,000 AAdvantage® miles when a cumulative amount of BZD1,800 is spent during the first 3 cycles from account open date

Jamaica

Scotiabank AERO* Platinum MasterCard®

 

·       Bonus of 3,000 Scotia Points upon the first purchase of any amount

·       Bonus of 9,000 Scotia Points when a cumulative amount of JMD300,000 is spent   during the first 3 cycles from account open date.

Scotiabank Gold MasterCard®

·       Spend Bonus of JMD7,500 when a cumulative amount of JM$70,000 is spent during the first 3 cycles from account open date.

·       New Cardholders up to Dec 31st, 2019 will receive a USD50 AMAZON.COM Promotional Code. Subject to customer’s valid email address being provided at the time of card application.

Scotiabank MAGNA MasterCard®

 

·       Spend Bonus of 3,500 Magna Points when a cumulative amount of JMD30,000 is spent during the first 3 cycles from account open date

·       Additional Card Bonus of 500 Magna Points when adding one or more supplementary cards in the first 3 cycles from account open date

Scotiabank Gold MasterCard®(USD)

·       Spend Bonus of US$30 when a cumulative amount of US$2,000 is spent during the first 3 cycles from account open date

·       Additional Card Bonus of US$10 when adding one or more supplementary cards in the first 3 cycles from account open date.

Scotiabank Visa® AAdvantage®

·       Bonus of 3,000 AAdvantage® miles upon the first purchase of any amount

·       Spend Bonus of 4,000 AAdvantage® miles when a cumulative amount of JMD140,000 is spent during the first 3 cycles from account open date

Scotiabank Visa® Classic

·       Bonus of JMD2,000 Points upon the first purchase of any amount

·       Spend Bonus of JMD4,000 when a cumulative amount of JMD25,000 is spent during the first 3 cycles from account open date

MasterCard Business Executive AA

·       Bonus of 3,000 AAdvantage® miles upon the first purchase of any amount

Turks & Caicos

Scotiabank / AAdvantage® MasterCard®

·       Bonus of 3,000  AAdvantage® miles upon the first purchase of any amount

·       Spend Bonus of 4,000 AAdvantage® miles when a cumulative amount of USD1,700 is spent during the first 3 cycles from account open date

Scotiabank AERO* Platinum MasterCard®

 

·       Bonus of 3,000 Scotia Points upon the first purchase of any amount

·       Spend Bonus of 9,000 Scotia Points when a cumulative amount of USD1,700 is spent during the first 3 cycles from account open date

Scotiabank Gold MasterCard®

·       Spend Bonus of USD165 when a cumulative amount of USD600 is spent during the first 3 cycles from account open date.

·       New Cardholders up to Dec 31st, 2019 will receive a USD50 AMAZON.COM Promotional Code. Subject to customer’s valid email address being provided at the time of card application.

Trinidad and Tobago

Scotiabank Gold MasterCard®

·       Spend Bonus of TTD300 when a cumulative amount of TTD4,000 is spent during the first 3 cycles from account open date.

·       New Cardholders up to Dec 31st, 2019 will receive a USD50 AMAZON.COM promotional code. Subject to customer’s valid email address being provided at the time of card application.

Scotiabank MAGNA MasterCard®

·       Spend Bonus of 1,500 Magna Points when a cumulative amount of TTD1,400 is spent during the first 3 cycles from account open date

·       Additional Card Bonus of 500 Magna Points when adding one or more supplementary cards in the first 3 cycles from account open date

Scotiabank AERO* Platinum Visa®

 

·       First Purchase Bonus of 3,000 Scotia Points upon the first purchase of any amount

·       Spend Bonus of 9,000 Scotia Points  when a cumulative amount of TTD13,000 is spent during the first 3 cycles from account open date

Scotiabank Visa® Classic

·       Spend Bonus of TTD400 when a cumulative amount of TTD1,300 is spent during the first 3 cycles from account open date

·       First Purchase Bonus of TTD125 upon the first purchase of any amount in the first 3 cycles from account open date

Guyana

Scotiabank Gold MasterCard®

·       Spend Bonus of GYD11,750 when a cumulative amount of GYD100,000 is spent during the first 3 cycles from account open date.

·       New Cardholders up to Dec 31st, 2019 will receive a USD50 AMAZON.COM promotional code. Subject to customer’s valid email address being provided at the time of card application.

Scotiabank MasterCard®

·       Bonus of GYD30 when a cumulative amount of GYD3000 is spent during the first 3 cycles from account open date

·       Additional Card Bonus of BBD10 when adding one or more supplementary cards in the first 3 cycles from account open date

Antigua

Scotiabank Gold MasterCard®

·       Spend Bonus of XCD190 when a cumulative amount of XCD1,100 is spent during the first 3 cycles from account open date.

·       New Cardholders up to Dec 31st, 2019 will receive a USD50 AMAZON.COM promotional code. Subject to customer’s valid email address being provided at the time of card application.

Scotiabank / AAdvantage® MasterCard®

·       Bonus of 3,000 AAdvantage® miles upon the first purchase of any amount

·       Bonus of 4,000 AAdvantage® miles when a cumulative amount of XCD1,800 is spent during the first 3 cycles from account open date

 

 

 

Transactional Reward:

 

The transactional reward will be based on net purchases made and posted to the Scotiabank credit card account based on the following account booking date and that there is an approved and open account in the Scotiabank system:

·       Group #1: Booked as of November 30, 2019

·       Group #2: Booked as of December 31, 2019

·       Group #3: Booked as of January 31, 2020

·       Group #4: Booked as of February 29, 2020

 

This bonus will be provided as a result of activation and typical usage of the Scotiabank credit card.

 

Timing of Credit

New Cardholders who qualify for this Promotion will receive the above mentioned rewards depending on the date when the new account was booked in the Scotiabank system, as follows:

·       Group #1: For all new accounts booked and shown in the Scotiabank system with Open Account Date between November 1 and November 30, 2019 inclusive, the spend period to be eligible for the Spend Bonus will end February 29, 2020 and the credit will take place by April 30, 2020. Such credit will appear on the Cardholder's credit card statement within 60 days of April 30, 2020. For all MasterCard Gold Cards booked and shown in the Scotiabank system with Open Account between November 1, 2019 and December 31, 2019 inclusive, Promotional MasterCard Gold Amazon.com Code will be presented by February 15, 2019. Promotional Code will be sent via email to customers email provided, when card was applied for.

·       Group #2: For all new accounts booked and shown in the Scotiabank system with Open Account Date between December 1 and December 31, 2019 inclusive, the spend period to be eligible for the Spend Bonus will end March 31, 2020 and the credit will take place by May 31, 2020. Such credit will appear on the Cardholder's credit card statement within 60 days of May 31, 2020. For all MasterCard Gold Cards booked and shown in the Scotiabank system with Open Account between November 1, 2019 and December 31, 2019 inclusive, Promotional MasterCard Gold Amazon.com Code will be presented by February 15, 2019. Promotional Code will be sent via email to customers email provided, when card was applied for.

·       Group #3: For all new accounts booked and shown in the Scotiabank system with Open Account Date between January 1 and January 31, 2020 inclusive, the spend period to be eligible for the Spend Bonus will end April 30, 2020 and the credit will take place by June 30, 2020. Such credit will appear on the Cardholder's credit card statement within 60 days of June 30, 2020

·       Group #4: For all new accounts booked and shown in the Scotiabank system with Open Account Date between February 1 and February 29, 2020 inclusive, the spend period to be eligible for the Spend Bonus will end May 31, 2020 and the credit will take place by July 31, 2020. Such credit will appear on the Cardholder's credit card statement within 60 days of July 31, 2020

 

 

In order to be eligible to receive the above mentioned rewards, the new Cardholder's credit card must be in good standing and must not have  been blocked, frozen, stolen or fraudulently obtained, mislaid, lost or written-off, or delinquent, as of the following dates:

·       Group #1: As of October 31, 2019

·       Group #2: As of November 31, 2019

·       Group #3: As of December  31, 2019

·       Group #4: As of January 31, 2020

 

This Promotion is a limited-time promotion which will run from November 1, 2019 to February 29, 2020 inclusive. The MC Gold AMAZON.com promotional offer expires December 31, 2019.

 

The Promotion does not apply to switches or upgrades.

·       Existing Scotiabank credit cardholders are not eligible for this Promotion. Former Scotiabank credit cardholders who have cancelled their cards within the last 12 months will not be eligible for this Promotion when they re-apply for a Scotiabank credit card during the Promotional Period. (Non-eligibility is considered for the 12-month duration following the last date of credit card account cancellation.)

 

·       Scotiabank reserves the right to determine which purchases qualify for a Bonus. Net purchases means purchases minus returns/credits and does not include cash advances, balance transfers, credit card cheques, any fees and/or finance charges.

 

·       A Cardholder’s benefit earned through participation in this Promotion will be forfeited in the event that the cardholder ceases to be a Cardholder at any time during the Promotion or transactions done, using the card, during the promotion period are reversed.

 

·       New Scotiabank Gold MasterCard® Cardholders are required to provide valid email address on application to qualify for the MC Gold Amazon.com promotional offer.

 

In all matters relating to these promotions, the decision of the Bank shall be final and binding in all respects.

 

Scotiabank has the right to exclude any individual from this offer in its absolute discretion without any obligation to provide notice or reason.

Scotiabank reserves the right in its absolute discretion to vary the terms and conditions of this Promotion or change or withdraw this Promotion at any time without giving any reason. In the event of a dispute arising from this Promotion, the Bank’s decision is final.

“Scotiabank and AMAZON.com are not affiliates or agents of the other and the terms and conditions herein set out the full terms and conditions of the promotion herein for the limited promotional period. Nothing herein creates any liability for Scotiabank and/or its entities and affiliates with respect to AMAZON.com, or purchases from AMAZON.com or any liability associated with the use of any Scotiabank card with AMAZON.com”.

These terms and conditions apply only to this Promotion and do not apply to any of the Bank’s other promotions or programs or any other promotion or program in conjunction with the Bank and any other entity or brand.

 

* Trademark of The Bank of Nova Scotia, used under license.

 

® MasterCard is a registered trademark of MasterCard International Incorporated.

® VISA is a registered trademark of VISA International Service Association

   American Airlines® reserves the right to change AAdvantage® program rules, regulations,

   travel awards and special offers at any time without notice, and to end the AAdvantage®

   Programme with six months’ notice. Any such changes may affect your ability to use the awards or

   mileage credits that you have accumulated. Unless specified, AAdvantage® miles earned

   through this promotion/offer do not count toward elite-status qualification or Million MilerSM

   status. American Airlines® is not responsible for products or services offered by

   other participating companies. For complete details about the AAdvantage® program, visit

   www.aa.com/aadvantage. Scotiabank issues the Scotiabank/AAdvantage® card.

   American Airlines®, AAdvantage® and Million Miler are trademarks of American Airlines, Inc.

AMAZON.COM and the AMAZON.COM logo are trademarks of Amazon.com, Inc. or its affiliates.

   

             ‡ Conditions apply. Subject to credit approval.

 

           For more information, visit the website of your country       

 

 

AERO

 

Trinidad & Tobago

tt.scotiabank.com

Barbados

bb.scotiabank.com

Jamaica

jm.scotiabank.com

Bahamas

bs.scotiabank.com

Cayman Islands

ky.scotiabank.com

Belize

bz.scotiabank.com

Turks & Caicos

tc.scotiabank.com

British Virgin islands

vg.scotiabank.com

    

GOLD

 

Trinidad & Tobago

tt.scotiabank.com

Barbados

bb.scotiabank.com

Jamaica

jm.scotiabank.com

Bahamas

bs.scotiabank.com

Cayman Islands

ky.scotiabank.com

Belize

bz.scotiabank.com

Turks & Caicos

tc.scotiabank.com

British Virgin islands

vg.scotiabank.com

    

VISA CLASSIC

      

Trinidad and Tobago

tt.scotiabank.com

Jamaica

jm.scotiabank.com

Bahamas

bs.scotiabank.com