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 July 1, 2019 to October 31, 2019 inclusive

  • “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 spent bonus period with his/her credit card

  • "Scotiabank" or “Bank” means Scotiabank Antigua and Barbuda, Scotiabank & Trust (Cayman) Ltd, Scotiabank (Grenada) ,  Scotiabank (St. Lucia) , Scotiabank (St. Vincent & The Grenadines)  , Scotiabank (Anguilla) Ltd, Scotiabank (British Virgin Islands) Limited, Scotiabank (Dominica), Bank of Nova Scotia (Guyana), Scotiabank (St. Maarten) , Scotiabank Trinidad and Tobago Limited, Scotiabank (Bahamas) Limited, Scotiabank (Barbados), Scotiabank (Belize), The Bank of Nova Scotia Jamaica Ltd, Scotiabank (Turks & Caicos) Ltd., and The Bank of Nova Scotia St. Kitts & Nevis
     

This Promotion is opened to legal residents of Antigua & Barbuda, Cayman Islands, Grenada, St. Lucia, St. Vincent & The Grenadines, Anguilla, British Virgin Islands,  Dominica, Guyana, St. Maarten, Trinidad & Tobago, Bahamas, Barbados, Belize, Jamaica 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 and detailed in the chart below

 

Country

Credit Card

Reward

British Virgin Islands

Scotiabank / AAdvantage® MasterCard®

  • Welcome 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 USD$1,000 is spent during the first 3 cycles from account open date

Scotiabank Gold MasterCard®

  • Spend Bonus of USD$55 when a cumulative amount of USD$800 is spent during the first 3 cycles from account open date

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 USD$1,300 is spent during the first 3 cycles from account open date

 

Scotiabank Gold MasterCard®

  • Spend Bonus of USD$110 when a cumulative amount of USD$1,100 is spent during the first 3 cycles from account open date

Bahamas

Scotiabank AERO* Platinum MasterCard®

 

  • Bonus of 3,000 Scotia Points upon the first purchase of any amount
  • Spend Bonus of 12,000 Scotia Points  when a cumulative amount of BSD$2,500 /USD$2,500 is spent during the first 3cycles from account open date

Scotiabank Gold MasterCard®

  • Spend Bonus of BSD$95.20/USD$95.20 when a cumulative amount of BSD$950 /US$950 is spent during the first 3 cycles from account open date

Scotiabank Visa AAdvantage®

 

  • Bonus of 3,000  AAdvantage® miles upon the first purchase of any amountSpend Bonus of 4,000 AAdvantage® miles when a cumulative amount of BSD$1,000 / US$1,000 is spent during the first 3 cycles from account open date

Scotiabank Visa Classic

 

  • Spend Bonus of BSD$20 when a cumulative amount of BSD$250 /US$250 is spent during the first 3 cycles from account open date
  • Additional Card Bonus of BSD$10 when adding one or more supplementary cards in 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 BBD$1,900 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 12,000 ScotiaPoints  when a cumulative amount of BBD$3,800 is spent within the first 3 cycles days from account open date

Scotiabank MasterCard®

  • Bonus of BBD$30 when a cumulative amount of BBD$400 is spent during the first 3 cycles from account open date
  • Additional Card Bonus of BBD$10 when adding one or more supplementary cards in the first 3 cycles from account open date

Scotiabank Gold MasterCard®

  • Bonus of BBD$115 when a cumulative amount of BBD$1,100 is spent during the first 3 cycles from account open date

Belize

 

Scotiabank AERO* Platinum MasterCard®

 

  • Bonus of 3,000 Scotia Points upon the first purchase of any amount
  • Spend Bonus of 12,000 Scotia Points  when a cumulative amount of BZD$5,500 is spent during the first 3 cycles from account open date

 

Scotiabank Gold MasterCard®

  • Spend Bonus of BZD$150 when a cumulative amount of BZD$1,700 is spent during the first 3 cycles from account open date

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 BZD$1,800 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 12,000 Scotia Points  when a cumulative amount of JMD$300,000 is spent   during the first 3 cycles from account open date.

Scotiabank Gold MasterCard®

  • Spend Bonus of JMD$7,500 when a cumulative amount of JM$70,000 is spent during the first 3 cycles from account open dat

Scotiabank MAGNA MasterCard®

 

  • Spend Bonus of 1500 points when a cumulative amount of JMD$30,000 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 JMD$140,000 is spent during the first 3 cycles from account open date

Scotiabank Visa® Classic

  • Spend Bonus of JMD$2,500 when a cumulative amount of JMD$25,000 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 USD$1,700 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 12,000 Scotia Points when a cumulative amount of USD$1,700 is spent during the first 3 cycles from account open date

Scotiabank Gold MasterCard®

  • Spend Bonus of USD$165 when a cumulative amount of USD$600 is spent during the first 3 cycles from account open date

Trinidad and Tobago

Scotiabank Gold MasterCard®

  • Spend Bonus of TTD$300 when a cumulative amount of TTD$4,000 is spent during the first 3 cycles from account open date

Scotiabank MAGNA MasterCard®

  • Spend Bonus of 1,500 Magna Points when a cumulative amount of TTD$1,400 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 12,000 Scotia Points  when a cumulative amount of TTD$13,000 is spent during the first 3 cycles from account open date

Scotiabank Visa® Classic

  • Spend Bonus of TTD$400 when a cumulative amount of TTD$1,300 is spent during the first 3 cycles from account open date
  • First Purchase Bonus of TTD$125 upon the first purchase of any amount in the first 3 cycles from account open date

 

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, this an approved and open account in the Scotiabank system:

  • Group #1: Booked as of July 31, 2019
  • Group #2: Booked as of August 31, 2019
  • Group #3: Booked as of September 30, 2019
  • Group #4: Booked as of October 31, 2019

 

This bonus will be rewarded 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 July 1 and July 31,, 2019 inclusive, the spend period to be eligible for the Spend Bonus will end October 31, 2019 and the credit will take place by December 31, 2019. Such credit will appear on the Cardholder's credit card statement within 60 days of December 31, 2019
  • Group #2: For all new accounts booked and shown in the Scotiabank system with Open Account Date between August 1 and August 31, 2019 inclusive, the spend period to be eligible for the Spend Bonus will end November 31, 2019 and the credit will take place by January 30, 2020. Such credit will appear on the Cardholder's credit card statement within 60 days of January 31, 2020
  • Group #3: For all new accounts booked and shown in the Scotiabank system with Open Account Date between September 1 and September 30, 2019 inclusive, the spend period to be eligible for the Spend Bonus will end December 31, 2019 and the credit will take place by February 281, 2020. Such credit will appear on the Cardholder's credit card statement within 60 days of February 28, 2020
  • Group #4: For all new accounts booked and shown in the Scotiabank system with Open Account Date between October 1 and October 31, 2019 inclusive, the spend period to be eligible for the Spend Bonus will end January 31, 2020 and the credit will take place by March 30, 2020. Such credit will appear on the Cardholder's credit card statement within 60 days of March 30, 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 July 1, 2019 to October 31, 2019 inclusive.

To qualify for this Promotion, all applications must be approved by October 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 transaction on the card is reversed.

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. Cardholders who participate in this Promotion will have to maintain their Scotiabank credit card for a minimum period of 12 months from card account open date.

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.

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.

 

   

             ‡ Conditions apply. Subject to credit approval.

 

           For more information, visit the website of your country        

 

AERO

 

Trinidad & Tobago

https://tt.scotiabank.com/personal/credit-cards.html

Barbados

https://bb.scotiabank.com/personal/credit-cards.html

Jamaica

https://jm.scotiabank.com/personal/credit-cards.html

Bahamas

https://bs.scotiabank.com/personal/credit-cards.html

Cayman Islands

https://ky.scotiabank.com/personal/credit-cards.html

Belize

https://bz.scotiabank.com/personal/credit-cards.html

Turks & Caicos

https://tc.scotiabank.com/personal/credit-cards.html

British Virgin islands

https://vg.scotiabank.com/personal/credit-cards.html