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 February 1, 2021 to April 30, 2021
“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 a predetermined spend threshold is met during the spend bonus period 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
“Net Purchases” refers to purchases minus returns / credits and does not include cash advances, balance transfers, credit card cheques, any fees and/ or finance charges
"Scotiabank" or “Bank” means Scotiabank & Trust (Cayman) Ltd, The Bank of Nova Scotia Guyana, Scotiabank (Trinidad & Tobago) Ltd, Scotiabank (Bahamas) Ltd, Scotiabank (Barbados) Ltd, The Bank of Nova Scotia Jamaica Ltd and Scotiabank Turks and Caicos Ltd

The Welcome offer is opened to legal residents of Cayman Islands, Guyana, Trinidad & Tobago, Bahamas, Barbados, 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
Cayman Islands	Scotiabank / AAdvantage® MasterCard®	Bonus of 3,000 AAdvantage® miles upon the first purchase of any amount Spend Bonus of 4,000 AAdvantage® miles andUSD$125 when a cumulative amount of USD$1,300 is spent during the first 3 cycles from account open date First Annual Fee (USD125) reimbursed if card activated and used during the first cycle from account opening.
Cayman Islands	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 First Annual Fee (USD110) reimbursed if card activated and used during the first cycle from account opening.
Bahamas	Scotiabank AERO* Platinum MasterCard®	Bonus of 3,000 Scotia Points upon the first purchase of any amount Spend Bonus of 7,000 Scotia Points when a cumulative amount of BSD$2,500 /USD$2,500 is spent during the first 3 cycles from account open date First Annual Fee (BSD140.00) reimbursed if card activated and used during the first cycle from account opening.
	Scotiabank Gold MasterCard®	Spend Bonus of BSD$95.20/USD$95.00 when a cumulative amount of BSD$950 /US$950 is spent during the first 3 cycles from account open date First Annual Fee (BSD95.20) reimbursed if card activated and used during the first cycle from account opening.
	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 BSD$1,000 / US$1,000 is spent during the first 3 cycles from account open date First Annual Fee (BSD100.80) reimbursed if card activated and used during the first cycle from account opening.
	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
	MasterCard Executive Business 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 BSD2,500 / US$2,500 is spent during the first 3 cycles from account open date First Annual Fee (BSD140.00) reimbursed if card activated and used during the first cycle from account opening.
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 First Annual Fee (BBD115) reimbursed if card activated and used during the first cycle from account opening.
	Scotiabank AERO* Platinum MasterCard®	Bonus of 3,000 Scotia Points upon the first purchase of any amount Bonus of 7,000 ScotiaPoints when a cumulative amount of BBD$3,800 is spent within the first 3 cycles from account open date. First Annual Fee (BBD199) reimbursed if card activated and used during the first cycle from account opening.
	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 during 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 First Annual Fee (BBD115) reimbursed if card activated and used during the first cycle from account opening.
	MasterCard Business Executive AA	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. First Annual Fee (BBD120) reimbursed if card activated and used during the first cycle from account opening.
Jamaica	Scotiabank AERO* Platinum MasterCard®	Bonus of 3,000 Scotia Points upon the first purchase of any amount Spent Bonus of 7,000 Scotia Points when a cumulative amount of JMD$300,000 is spent during the first 3 cycles from account open date First Annual Fee (JMD13,721.03) reimbursed if card activated and used during the first cycle from account opening.
	Scotiabank Gold MasterCard®	Spent Bonus of JMD$7,000.00 when a cumulative amount of JM$70,000 is spent during the first 3 cycles from account open date First Annual Fee (JMD7,403.44) reimbursed if card activated and used during the first cycle from account opening.
	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 JMD$140,000 is spent during the first 3 cycles from account open date First Annual Fee (JMD8,884.12) reimbursed if card activated and used during the first cycle from account opening.
	Scotiabank Visa® Classic	Bonus of JMD$2,000 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 Spend Bonus of 4,000 AAdvantage® miles when a cumulative amount of JMD$300,000 is spent during the first 3 cycles from account open date First Annual Fee (JMD10,858.37) reimbursed if card activated and used during the first cycle from account opening.
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 First Annual Fee (USD165) reimbursed if card activated and used during the first cycle from account opening.
	Scotiabank AERO* Platinum MasterCard®	Bonus of 3,000 Scotia Points upon the first purchase of any amount Spend Bonus of 7,000 Scotia Points when a cumulative amount of USD$1,700 is spent during the first 3 cycles from account open date First Annual Fee (USD192.50) reimbursed if card activated and used during the first cycle from account opening.
	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 First Annual Fee (USD165) reimbursed if card activated and used during the first cycle from account opening.
Guyana	Scotiabank MasterCard®	Spend Bonus of GYD$3,000 when a cumulative amount of GYD$30,000 is spent during the first 3 cycles from account open date Additional Card Bonus of GYD$1,000 when adding one or more supplementary cards during the first 3 cycles from account open date
Guyana	Scotiabank Gold MasterCard®	Spend Bonus of GYD$11,750 when a cumulative amount of GYD$100,000 is spent during the first 3 cycles from account open date First Annual Fee (GYD11,750) reimbursed if card activated and used during the first cycle from account opening.
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 First Annual Fee (TTD300) reimbursed if card activated and used during the first cycle from account opening.
	Scotiabank MAGNA MasterCard®	Spend Bonus of 1000 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 during 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 7,000 Scotia Points when a cumulative amount of TTD$13,000 is spent during the first 3 cycles from account open date First Annual Fee (TTD625) reimbursed if card activated and used during the first cycle from account opening.
	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 during the first 3 cycles from account open date

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 February 1 and February 28, 2021 inclusive, the spend period to be eligible for the Spend and First Purchase Bonus will end May 31, 2021 and the credit will take place by July 31, 2021.
Annual Fee: First Annual fee reimbursed amount will be credited to credit card account by April 30, 2021.

Group #2: For all new accounts booked and shown in the Scotiabank system with Open Account Date between March 1 and March 31, 2021 inclusive, the spend period to be eligible for the Spend and First Purchase Bonus will end June 30, 2021 and the credit will take place by August 31, 2021.
Annual Fee: First Annual fee reimbursed amount will be credited to credit card account by May 31, 2021.

Group #3: For all new accounts booked and shown in the Scotiabank system with Open Account Date between April 1 and April 30, 2021 inclusive, the spend period to be eligible for the Spend and First Purchase Bonus will end July 31, 2021 and the credit will take place by September 30, 2021.
Annual Fee: First Annual fee reimbursed amount will be credited to credit card account by June 30, 2021.

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 July 31, 2021
Group #2: As of August 31, 2021
Group #3: As of September 30, 2021

This is a limited-time promotion which will run from February 1, 2021 to April 30, 2021 inclusive.

Scotiabank staff credit cards are not eligible for these welcome bonuses.

The Promotion does not apply to switches or upgrades.

Existing Scotiabank credit cardholders are not eligible for this offer. 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.)
The Bank reserves the right to determine which purchases qualify for this 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.

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 promotional offer, 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. 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 Miler^SM 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.

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Conditions apply. Subject to credit approval.

For more information, visit the website of your country

Country	Website
Cayman Islands	ky.scotiabank.com
Trinidad and Tobago	tt.scotiabank.com
Bahamas	bs.scotiabank.com
Barbados	bb.scotiabank.com
Jamaica	jm.scotiabank.com
Turks & Caicos	tc.scotiabank.com
Guyana	gy.scotiabank.com