|
All Our Cards
Premium/Rewards | Low Rate or No-Fee | Line of Credit VISA
|
Scotia-
Gold Passport
|
No-Fee Scotia-
Gold
|
SCENE
|
Money-
back
|
No-Fee
Money-
back
|
| CORE FEATURES |
| Annual Fee |
-$110
-$65 age 65 or
over |
Free |
Free |
$8 |
Free |
| Supplementary Cards |
-$30 each if under age 65
-$15 each if age 65
or over
-$15 each if account is part
of Scotia Total Equity® Plan
Details |
Free |
Free |
Free |
Free |
Interest Rate**
|
19.5%
|
19.5%
|
19.5%
|
18.59%
|
19.5%
|
| Grace Period¹ |
Up to
21 Days
|
Up to
21 Days
|
Up to
21 Days
|
Up to
21 Days
|
Up to
21 Days
|
| Itemized Spending for Each Cardholder Statement |
Yes |
Yes |
Yes |
Yes |
Yes |
| Account Access - ABMs, TeleScotia & Scotia OnLine Services |
Yes |
Yes |
Yes |
Yes |
Yes |
| ABM Cash Advances |
Yes |
Yes |
Yes |
Yes |
Yes |
| Emergency Card Replacement |
Yes |
Yes |
Yes |
Yes |
Yes |
| Personalized VISA Cheques |
Yes |
Yes |
Yes |
Yes |
Yes |
| OTHER BENEFITS |
| Exceptional Travel Discounts2& Insurance Benefits |
Yes |
No |
No |
No |
No |
| Purchase Security & Extended Warranty Insurance* |
Yes |
No |
No |
No |
No |
Rental Car Collision
Insurance |
Yes |
Yes |
No |
No |
No |
| AVIS Rental Car Discounts |
Yes |
Yes |
Yes |
Yes |
Yes |
| Concierge Service² |
Yes |
No |
No |
No |
No |
| Rewards³ Program |
Yes |
No
Rebates Program through Scotia-
Star Network |
Yes
Loyalty enter-
tainment reward program.5 |
Yes |
Yes |
| Emergency Cash |
Yes |
Yes |
No |
No |
No |
| 24-7 Customer Service |
Yes |
Yes |
Yes |
Yes |
Yes |
| OPTIONAL BENEFITS |
| Card Registry Service |
Yes |
No |
No |
No |
No |
| VISA Balance Protection* |
Yes |
Yes |
Yes |
Yes |
Yes |
|
|
|
|
|
|
Scotiabank Value VISA
Can save you hundreds of dollars a year.
|
Scotia-
bank
Value
|
SCENE
|
No-Fee
Scotia-
Gold
|
L'earn
|
No-Fee
Money-
back |
| CORE FEATURES |
| Annual Fee |
$29 or
no-fee option |
Free |
Free |
Free |
Free |
| Supplementary Cards |
Free |
Free |
Free |
Free |
Free |
Interest Rate**
|
11.49% (Reg.) or 9.49% (Reg. under STEP) or 14.99% (No-Fee) or 12.99% (No-Fee under STEP) |
19.5%
|
19.5% |
18.59% |
19.5% |
|
Grace Period¹
|
Up to
21 Days |
Up to
21 Days |
Up to
21 Days |
Up to
21 Days |
Up to
21 Days |
| Itemized Spending |
Yes |
Yes |
Yes |
Yes |
Yes |
|
Account Access - ABMs, TeleScotia &
Scotia OnLine Services
|
Yes |
Yes |
Yes |
Yes |
Yes |
| ABM Cash Advances |
Yes |
Yes |
Yes |
Yes |
Yes |
| Emergency Card Replacement |
Yes |
Yes |
Yes |
Yes |
Yes |
| Personalized VISA Cheques |
Yes |
Yes |
Yes |
Yes |
Yes |
| OTHER BENEFITS |
Rental Car Collision
Insurance |
No
|
No
|
Yes
|
No
|
No
|
| AVIS Rental Car Discounts |
Yes |
Yes |
Yes |
Yes |
Yes |
| Rewards Program³ |
No
Rebates Program through Scotia-
Star Network |
Yes
Loyalty enter-
tainment reward program.5 |
No
Rebates Program through Scotia-
Star Network |
Yes |
Yes |
| Emergency Cash |
Yes |
No |
Yes |
No |
No |
| 24-7 Customer Service |
Yes |
Yes |
Yes |
Yes |
Yes |
| OPTIONAL BENEFITS |
| VISA Balance Protection* |
Yes |
Yes |
Yes |
Yes |
Yes |
|
Learn
More
or
Apply
Now
|
|
|
|
|
- ScotiaLine VISA
Convenient no-fee VISA card and cheque access to high limits and low rates.
|
ScotiaLine VISA
|
| CORE FEATURES |
| Annual Fee |
Free |
| Supplementary Cards |
Free |
Interest Rate**
|
Secured rates and un-secured rates.4 Details
|
| Grace Period |
Up to 21 days |
| Itemized Spending for Each Cardholder Statement |
Yes |
Account Access - ABMs, TeleScotia &
Scotia OnLine Services |
Yes |
| ABM Cash Advances |
Yes |
| Emergency Card Replacement |
Yes |
| Personalized VISA Cheques |
Yes |
| OTHER BENEFITS |
| Purchase Security & Extended Warranty Insurance* |
Yes |
| AVIS Rental Car Discounts |
Yes |
| Rewards Program³ |
No
Rebates Program through ScotiaStar Network |
| Emergency Cash |
Yes |
| 24-7 Customer Service |
Yes |
| OPTIONAL BENEFITS |
| ScotiaLine VISA Line of Credit Protection* |
Yes |
|
Learn More
or
Apply Now
|
1 Provided you pay your balance in full each month, by the payment due date. Effective December 1, 2008, there will be changes to the method of granting the interest-free grace period on new VISA card purchases. Learn more about VISA card fees and VISA card interest rates.
2 See Travel Benefits for complete details.
3 Participating ScotiaStar Partners and Scotia Rewards points offered can change at any time without notice. Visit www.scotiastar.com for a complete list of Partners and the extra rewards offered.
* For all insurance coverages, certain limitations, restrictions and exclusions apply. Travel Emergency Medical Insurance and Trip Cancellation/Trip Interruption Insurance are ony available to customers under the age of 65. You will receive Certificates of Insurance which contain a full description of coverage, when you're approved for the card. Please read them carefully.
** Interest rate as of September 1, 2008, subject to change at any time without notice.
4 No annual fee. Interest rate depends on whether the ScotiaLine VISA is secured or unsecured, subject to credit approval and the security provided. Secured rate currently at the Scotiabank Prime Rate. Unsecured rate is currently at Prime + 3.99%, however, we may be able to provide a better rate if an application for credit is completed. Rates and fee as of May 1, 2008, subject to change. Call 1-888-882-8958 for information on current rates and fees.
5 SCENE VISA cardholders will receive points for purchases made with their SCENE VISA card. SCENE VISA cards must be connected to a SCENE membership in order to earn points. SCENE Points can only be redeemed at participating Cineplex Entertainment theatres or scene.ca. Some conditions and limitations apply. Visit scene.ca for complete details. Not including cash advances and Scotia® VISA Cheques.
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