Banking designed with lawyers in mind

All offers, rates, fees, features and benefits featured herein are subject to change. Additional terms and conditions may apply. Credit and lending products are subject to credit approval by Scotiabank. Unless otherwise specified, all benefits featured herein are exclusive and only available to clients who meet the eligibility requirements of the Scotiabank Lawyer Banking Program.

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To be eligible for the Scotiabank Lawyer Banking Program, you must be a member in good standing of a provincial or territorial law society authorized to practice law or a retired member of a provincial or territorial law society. Continued eligibility for benefits of the Scotiabank Lawyer Banking Program is subject to annual verification of client’s legal license status upon request by Scotiabank.

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To be eligible, client must be a member in good standing of a provincial or territorial law society authorized to practice law in Canada. Continued eligibility for this preferred variable annual interest rate is subject to annual verification of client’s legal license status upon request by Scotiabank.

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The annual interest rate will vary with Scotiabank Prime and, where applicable, the adjustment factor. Scotiabank Prime is the prime lending rate of Scotiabank published from time to time and is subject to change. We may also change the adjustment factor with prior notice. You can find the current Scotiabank Prime lending rate at https://www.scotiabank.com/ca/en/personal/rates-prices.html or by contacting Scotiabank 1(800) 4SCOTIA (1-800-472-6842)

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As of June 24, 2024, the Ultimate Package monthly account fee is waived for eligible lawyer clients on one (1) Ultimate Package Account (“Ultimate Package Account”) of which they are the primary accountholder. To be eligible, a client must:

• be a member in good standing of a provincial or territorial law society authorized to practice law or a retired member of a provincial or territorial law society and
• visit a branch and speak with an Advisor, or speak with a Scotiabank Professional Banking Specialist and
• set up and clear at least one of the following in their Ultimate Package Account on a monthly basis:
  • An eligible† automated and recurring direct deposit, such as payroll, or
  • An eligible† recurring pre-authorized transaction, such as mortgage payments or utilities.
    

† Click here for a list of eligible direct deposits, pre-authorized transactions. Notwithstanding a transaction may be included in these lists, certain exclusions may still apply and Scotiabank reserves the right to modify these lists and to determine whether a specific direct deposit, pre-authorized transaction is eligible for the offer.

Subject to these terms, the monthly account fee will be waived and will not appear as a charge on your Ultimate Package Account for each month following the month the above conditions are met and provided the Ultimate Package Account is open and in “good standing” at the time of the waiver. For example, if you clear an eligible direct deposit or pre-authorized transaction in the month of July, your monthly account fee will be waived in the month of August and will not appear as a charge on your Ultimate Package Account. However, if you do not clear an eligible direct deposit or pre-authorized transaction in the month of August, you will be charged the monthly account fee in September. The Ultimate Package Account is not in “good standing” if any of the following conditions are not met: (i) it has a negative balance exceeding the authorized overdraft limit, (ii) it has been in continuous overdraft for a period of three (3) consecutive months, or (iii) the account holder is in breach of the Ultimate Package Account agreement with Scotiabank.

For existing eligible clients with a different Scotiabank chequing account who switch to the Ultimate Package Account, the fee waiver will begin in the month following the month in which the client’s account was switched to the Ultimate Package Account, provided all offer conditions have been met. This means if a client switches accounts they could be charged the monthly Ultimate Package Account fee in the first month.

Continued eligibility for this offer is subject to annual verification of client’s legal license status upon request by Scotiabank and compliance with these offer terms. Failure to provide the required validation will invalidate this offer. If the client ceases to be a member in good standing of a provincial or territorial law society authorized to practice law they will no longer be eligible for this offer and the Ultimate Package Account will begin to be charged the then current monthly account fee.

All other applicable service charges on the Ultimate Package Account will continue to be applied. Maximum one offer per client regardless of the number of Ultimate Package Accounts opened and the fee waiver will be applied to the first Ultimate Package Account opened.

This offer is only available through a Scotiabank Advisor in branch or Scotiabank Professional Banking Specialist. This offer is non-transferable and may be changed, suspended, cancelled, or extended at any time without notice.

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The Scotiabank $600 Cash Bonus Bundle Offer (the “Offer”) is available between August 1, 2024 and October 31, 2024 (the “Offer Period”) to individuals who open new eligible accounts. Subject to the conditions below, eligible customers can earn $350 when they open a new Preferred Package or Ultimate Package chequing account and complete certain qualifying transactions and an additional $250 boost when they open a new eligible Registered Retirement Savings Plan, Tax-Free Savings Account or First Home Savings Account (each an “Eligible Registered Account”) with either The Bank of Nova Scotia or Scotia Securities Inc. (together, “Scotiabank”) and complete certain qualifying transactions.

For the purposes of this Offer, the following Scotia Registered Accounts are eligible for the Offer:  Scotia Registered Retirement Savings Plans (RRSPs, excluding locked-in plans such as LIRAs and LRSPs) (each an “RRSP”), Scotia Tax-Free Savings Accounts (each a “TFSA”) and Scotia First Home Savings Accounts (each a “FHSA”). Scotia RRIFs (including locked-in income plans), RESPs, RDSPs, and non-registered Scotia Investment Accounts are not eligible for the Offer.

$350 Cash Bonus for Preferred or Ultimate Package Conditions: To qualify for the $350 cash bonus (the “Package Bonus”), you must:

1. Open a new Ultimate Package or new Preferred Package chequing account (the “Eligible Chequing Account”) during the Offer Period; and

2. Complete any two (2) of the following activities in your Eligible Chequing Account within 60 days of Eligible Chequing Account opening:

• Set up and clear at least one eligible automated and recurring direct deposit†, such as payroll or pension, which will recur monthly for a minimum of six (6) consecutive months, or
• Set up and clear a minimum of two (2) separate eligible recurring pre-authorized transactions† with a minimum value of at least $50 per transaction which will each recur monthly for a minimum of six (6) consecutive months, or
• Make at least one (1) eligible online bill payment† of at least $50 through the Scotiabank Mobile App or through Scotia OnLine.

† Click here for a list of eligible direct deposits, pre-authorized transactions and online bill payments. Notwithstanding a transaction may be included in these lists, certain exclusions may still apply and Scotiabank reserves the right to modify these lists and to determine whether a specific direct deposit, pre-authorized transaction or bill payment is eligible for the Package Bonus. Fund transfers initiated to other Scotiabank accounts (one time or recurring, e.g. credit card or savings account), to chequing or savings accounts held at other financial institutions, or to payment processing firms, are not eligible for the Package Bonus.

Up to $250 Registered Account Bundle Conditions: To qualify for up to $250 cash bonus (the “Bundle Bonus”), you must:

1. Meet the conditions for the $350 Package Bonus;

2. During the Offer Period and within 60 days of opening your Eligible Chequing Account, open a new Eligible Registered Account; and

3. Within 60 days of the Eligible Registered Account opening, complete the following activities to earn the applicable Bundle Bonus:

• To earn $50: set up and clear recurring pre-authorized contributions (PACs) from any Scotiabank personal bank account of at least $100 total monthly into your new Eligible Registered Account, which must recur for a minimum of six (6) consecutive months; and/or
• To earn $200: contribute or transfer in a minimum of CAD $5,000 into your new Eligible Registered Account and maintain that minimum amount each day for at least six (6) consecutive months.

Eligibility and Exclusions:  Individuals who are currently holders of, or who were previously holders within the last two (2) years of, a Scotiabank Chequing Account are not eligible for the Package Bonus. “Scotiabank Chequing Account” means any of the following accounts: Ultimate Package, Preferred Package, Scotia One Account, Basic Plus Bank Account, Basic Banking Plan, Basic Bank Account, Momentum Chequing, Power Chequing, Scotia One Service, Scotia Value, Student Banking Advantage Plan. Employees of Scotiabank are also not eligible for these Offers. In order to qualify for the Bundle Bonus the individual cannot have held the same type of Eligible Registered Account (as that opened during the Offer Period) with Scotiabank in the six (6) months preceding the Offer Period. 

General Terms: Provided all Package Bonus conditions outlined above have been met, the $350 Package Bonus will be deposited to the Eligible Chequing Account within approximately nine (9) months from Account open date. Provided all the Bundle Bonus conditions outlined above have been met, the additional Bundle Bonus (up to $250) will be deposited to your Eligible Chequing Account within approximately thirteen (13) months from the Eligible Registered Account open date. You have 24 months from the date you believe you have fulfilled the applicable Offer conditions to notify us if you have not received the applicable cash bonus so that we may confirm your eligibility.

For either cash bonus to be fulfilled, the Eligible Chequing Account and the Eligible Registered Account, as applicable, must be open and in good standing until the time of payout of the cash bonus. The Eligible Chequing Account is not in "good standing" if any of the following conditions are not met: (i) it has a negative balance exceeding the authorized overdraft limit, (ii) it has been in continuous overdraft for a period of three (3) consecutive months, or (iii) the Account holder is in breach of the Account agreement with Scotiabank. For purposes of this Offer, an Eligible Registered Account is not in 'good standing' if the account holder is in breach of the Eligible Registered Account agreement.  Customers are responsible to confirm their contribution limits noted on their most current Notice of Assessment issued by the Canada Revenue Agency prior to making any contribution to their Eligible Registered Account(s).  Scotiabank is not responsible for any contribution over a customer’s limit in connection with this Offer. For a spousal RRSP, the Bundle Bonus will be paid into the Eligible Chequing Account opened by the contributor.

This Offer is non-transferable and may not be duplicated. Limit of one (1) Package Bonus and one (1) Bundle Bonus per customer, regardless of the number of Eligible Chequing Accounts or Eligible Registered Accounts opened. If multiple Eligible Chequing Accounts or Eligible Registered Accounts are opened, only the first Eligible Chequing Account or first Eligible Registered Account opened, as applicable, will qualify for the respective Package Bonus or Bundle Bonus. For joint accounts, only the primary account holder is eligible for this Offer and only one (1) $350 Package Bonus and one (1) Bundle Bonus (up to $250), as applicable, will be applied to the primary account holder’s Eligible Chequing Account. All rates, fees, features and benefits are subject to change. This Offer may be changed, cancelled or extended at any time without notice and cannot be combined with any other offers.

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Additional fees apply for shared ABM services, cross-border debit transactions and other banking services not included in the chequing account package. For accounts that do not provide unlimited debit transactions, a charge for additional debit transactions may apply if you perform an Interac e-Transfer transaction over and above the number of debit transactions allowed in the account.

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Terms and Conditions found in Scotiabank International Money Transfer Agreement apply. For Ultimate Package customers, no service fee is charged for the transfer, however, foreign currency exchange rates apply. Subject to daily limits and additional terms and conditions as set out in the Scotiabank International Money Transfer Agreement found at www.scotiabank.com/ca/en/personal/ways-to-bank/scotiabank-international-money-transfer-agreement.html.

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Ultimate Package account holders will receive a boost to the Regular Interest Rate (the “Ultimate Interest Rate Boost”). Refer to the Current Rates Page on Scotiabank.com for the Total Annual Interest Rate applicable to the Ultimate Package (current Regular Interest Rate plus Ultimate Interest Rate Boost), which is subject to change at any time without advance notice. It will take up to 10 business days after activating an Ultimate Package account for the Ultimate Interest Rate Boost to apply. The Ultimate Interest Rate Boost will cease to apply effective as of the date that the Ultimate Package account is closed. The Ultimate Interest Rate Boost is an annual rate calculated daily on the MomentumPLUS Savings Account(s) closing balance and paid monthly.

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If you open a new Scotiabank Passport Visa Infinite credit card account (“Account”) you will receive an annual fee waiver (“Annual Fee Waiver”) each year for as long as you are a Scotia Professional Plan or Scotia Professional Plan Lite customer and provided the Account remains open and in good standing. The Account is considered in good standing if it is not delinquent (past due) or over limit and there is no breach of the Revolving Credit Agreement or any other agreement(s) that applies to the Account. The Account will only receive one Annual Fee Waiver regardless of the number of accountholders on the Account. All other fees and charges applicable to the Account continue to apply. Annual Fee Waiver is non-transferable and cannot be combined with any other annual fee waiver offer. Current annual fees, rates and other features for the Account are subject to change.

††Savings and reward potential in first 12 months includes welcome offer value, first year point earn potential, foreign transaction fee and airport lounge savings as of February 28, 2024:

$250 in travel rewards (25,000 bonus Scene+ points) for new Scotiabank Passport Visa Infinite Card clients who spend $1,000 within the first 3 months;

$100 in travel rewards (10,000 bonus Scene+ points)  when you spend $40,000 annually on your Account each year (12-months);

$50 supplementary card annual fee waiver on the first supplementary card for new Scotiabank Passport Visa Infinite Card clients;

$100 in foreign transaction fee savings based on average first year annual foreign spend per account (save the 2.5% foreign transaction fee markup typically charged by card issuers);

$250 in first year point earn potential (25,000 Scene+ points) on everyday purchases based on average annual first year spend per account with an average spend of 21% in 2X accelerator categories;

$350 value with a complimentary Visa Airport Companion Program Membership and 6 lounge passes (annual membership plus one free visit of approx. CAD$134/USD$99 plus 5 lounge passes at CDN$48/USD$35 per pass). Currency conversion as at February 28, 2024.

Potential First Year Value = up to $1,100

Actual offers, savings and rewards earned will depend on individual card usage and eligibility for applicable offers. Conditions apply.

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Offer Description and Conditions: The 25,000 Bonus Scene+ Points Offer and First Year Annual Fee Waiver (the “Offer”) applies only to new Scotiabank Passport Visa Infinite credit card accounts (“Accounts”) that are opened by October 31, 2024 subject to the conditions below.  Offer may be changed, cancelled or extended at any time without notice and cannot be combined with any other offers.  

Plus, as a Scotiabank Passport Visa Infinite credit cardholder you are always eligible to earn an annual 10,000 Scene+ point bonus when you spend at least $40,000 in everyday eligible purchases annually on your Scotiabank Passport Visa Infinite account. Conditions apply - see below for further details.

25,000 Bonus Scene+ Point Offer Description and Conditions: To qualify for the 25,000 bonus Scene+ points (the “25,000 Point Bonus”), you must have at least $1,000 in eligible purchases posted to your new Account within the first 3 months of the Account open date. Eligible purchases include purchases (less any refunds, returns or other similar credits) but do not include payments, cash advances (including balance transfers or cash-like transactions), interest, fees or other charges. The 25,000 Point Bonus will be credited approximately 2-3 business days after the qualifying $1,000 in eligible purchases has been posted to the Account within the first 3 months of the Primary cardholder’s Account open date, provided the Account is open and in good standing. For Joint Accounts with a Primary Borrower and Co-borrower, the 25,000 Point Bonus will be credited to the Scene+ account linked to the Account of the borrower that completed the last transaction to meet the qualifying $1,000 in eligible purchases.  If a supplementary cardholder completes the last qualifying transaction, the  25,000 Point Bonus will be credited to the Primary Borrower’s Scene+ account. Points can be transferred between Primary and Co-Borrower or Supplementary Cardholder’s Scene+ accounts by contacting Scene+.  The Account is considered in good standing if it is not past due or over limit and the Cardholder(s) is not in breach of the Revolving Credit Agreement that applies to the Account. Bonus Offer applies to new Accounts only opened by October 31, 2024.  All other terms and conditions of the Program Terms continue to apply during the Offer period.

10,000 Annual Bonus Scene+ Point Conditions: As a Scotiabank Passport Visa Infinite credit cardholder you can earn an annual Scene+ point bonus starting at 10,000 Scene+ points when you make at least $40,000 in eligible purchases annually on your Account each year (12-months). Annual period starts from the Account open date and resets every 12 months thereafter. You will earn 2,000 bonus Scene+ points for every additional $10,000 in eligible purchases thereafter in that same year, after the $40,000 annual spend has been reached.  Eligible purchases include purchases (less any refunds, returns or other similar credits) but do not include payments, cash advances (including balance transfers or cash-like transactions), interest, fees or other charges. The Annual bonus Scene+ points will be credited within approximately 2-3 business days after you have met the $40,000 annual spend threshold on the Account and within approximately 2-3 business days after you have met each additional $10,000 annual spend threshold on the Account, provided your Account is open and in good standing (as defined above).

Offer Eligibility and Exclusions: Individuals who are currently or were previously primary or secondary cardholders of a Scotiabank personal credit card in the past 2 years, including those that switch from an existing Scotiabank personal credit card, as well as employees of Scotiabank, are not eligible for the Offer. Subject to the above exclusions, Scotiabank small business credit cardholders are also eligible for the Offer.

Rates and Fees: The current annual fee is $150 for the primary card, $0 for the first additional card and $50 for each additional card thereafter (including those issued to co-borrowers and supplementary cardholders). The current preferred annual interest rates for this Account are: 20.99% on purchases and 22.99% on cash advances (including balance transfers and cash-like transactions). All rates, fees, features and benefits are outlined in the Application Disclosure Statement and are subject to change.

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You are awarded three (3) Scene+ Points for every eligible $1.00 purchase made at Sobeys, Safeway, IGA, Foodland, Foodland & Participating Co-ops, FreshCo, Chalo! FreshCo, Thrifty Foods, Rachelle Béry, Les Marchés, Voilà by Sobeys, Voilà by Safeway and Voilà par IGA locations charged and posted to the Scotiabank Passport Visa Infinite Account. This list of eligible grocers may be changed from time to time without notice. See full list of participating merchants across Canada at scotiabank.com/participatingstores.

You are awarded two (2) Scene+ Points for every eligible $1.00 purchase on all other grocery (not listed above), dining, entertainment, and daily transit purchases charged and posted to the Scotiabank Passport Visa Infinite Account (the earn rates for each of the above categories and merchants are referred to as the “Accelerated Earn Rates”). See below for the Spend Threshold that applies to this Accelerated Earn Rate.

You are awarded one (1) Scene+ Point for every $1.00 in all other purchases of goods and services charged to the Scotiabank Passport Visa Infinite Account (the “Regular Earn Rate”).

Spend Threshold for the Accelerated Earn Rate (Scotiabank Passport Visa Infinite Accounts only):
You will earn the Accelerated Earn Rate on the first $50,000 in purchases made on your Scotiabank Passport Visa Infinite account (the “Account”) annually at the following: purchases made at merchants classified in the Visa credit card network as: Grocery Stores and Supermarkets; Eating Places and Restaurants, Drinking Places, Fast Food Restaurants; Entertainment including Motion Picture Theatres, Theatrical Producers, Ticket Agencies, Bands, Orchestras, Miscellaneous Entertainers; Railroads, Local and Suburban Commuter Passenger Transportation, including Ferries, Passenger Railways, Taxicabs and Limousines, Bus Lines, Transportation Services (Not Elsewhere Classified). Some merchants may sell other products/services or are separate merchants who are located on the premises of these merchants, but are classified by the credit card network in another manner, in which case this added benefit would not apply. The annual spend calculation for the $50,000 maximum threshold is calculated annually from January 1st to December 31st each year. You will earn 1 point per $1 on purchases made on the Account after the 2 points per $1 / $50,000 annual spend maximum is reached and on all other purchases made on the Account. Scene+ points are only awarded on purchases. Scene+ points are not awarded for cash advances, balance transfers, Scotia® Credit Card Cheques, payments, returns, refunds or other similar credits, fees or interest or other charges. Scene+ points must be redeemed within 60 days of Account closure or they will be deleted permanently. If your Account is not in good standing, the accumulated Scene+ points are not eligible for redemption. All dollar amounts are in Canadian currency unless otherwise stated.

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Primary Cardholders with a valid Scotiabank Passport Visa Infinite Card account (the “Account”) have access to participating lounges within the Visa Airport Companion Program (“Program”), hosted and managed by DragonPass International Ltd.  Cardholders must enroll for this benefit either through the Visa Airport Companion App (available to download for free) or on the Program Website using a valid Card on the Account. Upon enrollment, 6 complimentary lounge visits will be available for the Primary Cardholder per membership year; the complimentary visits can be used by any Cardholder for themselves and for their accompanying guests at participating lounges (however, Primary Cardholder must be present for each such use).  Lounge visits are counted on a per person per visit basis (e.g. lounge access by a Cardholder and one accompanying guest will count as two (2) visits). All additional visits beyond complimentary visits are subject to a fee of $32 USD (subject to change) per person per visit. Applicable lounge access fees will be charged to the Card connected to the Cardholders’ Program membership (i.e. the Card enrolled in Program).

To view a full list of participating airport lounges, their facilities, opening times and restrictions Cardholders can visit the Program App and Website.  To view the full Terms and Conditions for the Program, including DragonPass Terms of Use and Privacy Policy and Visa’s Privacy Policy that apply to the Program, visit the Visa Airport Companion Program App or Website. 

The Program services and benefits are provided by DragonPass and applicable third party offer providers and neither Visa nor The Bank of Nova Scotia is responsible for the Program or any claims or damages arising from participation in the Program.

Unless the Program membership is suspended or cancelled, the Program membership and any included complimentary lounge visits (if applicable) will automatically renew annually on the anniversary date (based on date when the Cardholder enrolled for the Program). Program membership will be cancelled if your Scotiabank Passport Visa Infinite Card is cancelled. If your Scotiabank Passport Visa Infinite Card is renewed or replaced, remember to update your card details within the Visa Airport Companion Program (either on the App or on the Program Website).

Access upon presentation of a valid and enrolled Scotiabank Passport Visa Infinite Card, while available in most lounges within the Visa Airport Companion Program, is subject to availability.

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We will not charge you Foreign Transaction Fees on foreign currency transactions including purchases, only the exchange rate applies. The term “Foreign Transaction Fees” is a substitute for “Foreign Currency Conversion” as described in the Disclosure Statement for this Card. This fee relates to the 2.5% mark-up that is typically charged by credit card issuers in addition to the exchange rate. See the Foreign Currency Conversion section of the Welcome Kit for this Card or download it at www.scotiabank.com/welcomekits for full details. Rates and fees are subject to change.

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Scotiabank is not an insurer. All claims for insurance indemnities must be forwarded to the insurers. Complete details of the coverage are in the Certificate of Insurance and Terms and Conditions provided with the new Card.

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If you open a new Scotiabank Gold American Express credit card account (“Account”) you will receive an annual fee waiver (“Annual Fee Waiver”) each year for as long as you are a Scotia Professional Plan or Scotia Professional Plan Lite customer and provided the Account remains open and in good standing.  The Account is considered in good standing if it is not delinquent (past due) or over limit and there is no breach of the Revolving Credit Agreement or any other agreement(s) that applies to the Account. The Account will only receive one Annual Fee Waiver regardless of the number of accountholders on the Account.  All other fees and charges applicable to the Account continue to apply.  Annual Fee Waiver is non-transferable and cannot be combined with any other annual fee waiver offer. Current annual fees, rates and other features for the Account are subject to change.

♢ Savings and reward potential in first 12 months includes welcome offer value, first year point earn potential and foreign transaction fee savings as of February 28, 2024:

$450 in travel rewards (45,000 bonus Scene+ points) for new Scotiabank Gold American Express Card clients who spend $1,000 within the first 3 months (to earn 25,000 points) and who spend $7,500 within the first 12 months (to earn an additional 20,000 points);

$120 primary card annual fee waiver for the first year for new Scotiabank Gold American Express Card clients;

$55 in foreign transaction fee savings based on average first year annual foreign spend per account (save the 2.5% foreign transaction fee markup typically charged by card issuers);

$325 in first year point earn potential (32,500 Scene+ points) on everyday purchases based on average annual first year spend per account with an average spend of 25% in 5X accelerator and 5% in 3X accelerator categories.

Potential First Year Value = up to $950

Actual offers, savings and rewards earned will depend on individual card usage and eligibility for applicable offers. Conditions apply.

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Offer Description and Conditions: The 45,000 Bonus Scene+ Points and First Year Annual Fee Waiver Offer (the “Offer”) applies only to new Scotiabank Gold American Express credit card accounts (“Accounts”) opened by October 31, 2024 and is subject to the conditions below.  We will waive the annual fee for the primary card issued before October 31, 2024 on the Account for the first year only.   All other terms and conditions of the Program Terms continue to apply during the Offer period. Offer may be changed, cancelled or extended at any time without notice and cannot be combined with any other offers.

45,000 Bonus Scene+ Point Offer Description and Conditions: To qualify  for 25,000 bonus Scene+ points (the “25,000 Point Bonus”), you must open a new Account by October 31, 2024 and have at least $1,000 in eligible purchases posted to your new Account in the first 3 months of the Account open date. To qualify  for an additional 20,000 bonus Scene+ points (the “20,000 Point Bonus”), you must have at least $7,500 in eligible purchases posted to your new Account in the first year (12 months) of Account open date. Eligible purchases include purchases (less any refunds, returns or other similar credits) but do not include payments, cash advances (including balance transfers or cash-like transactions), interest, fees or other charges. The applicable point Bonus will be credited approximately 2-3 business days after the qualifying amount in eligible purchases (i.e., $1,000 or $7,500) has been posted to the Account (within the first 3 months for the 25,000 Point Bonus or within the first 12 months for the 20,000 Point Bonus) provided the Account is open and in good standing. For Joint Accounts with a Primary Borrower and Co-borrower, the applicable point Bonus will be credited to the Scene+ account linked to the Account of the borrower that completed the last transaction to meet the qualifying amount of eligible purchases (i.e., $1,000 or $7,500).  If a supplementary cardholder completes the last qualifying transaction, the applicable point Bonus will be credited to the Primary Borrower’s Scene+ account. Points can be transferred between Primary and Co-Borrower or Supplementary Cardholder’s Scene+ accounts by contacting Scene+.  The Account is considered in good standing if it is not past due or over limit and the Cardholder(s) is not in breach of the Revolving Credit Agreement that applies to the Account.

Eligibility and Exclusions: Individuals who are currently or were previously primary or secondary cardholders of a Scotiabank personal credit card in the past 2 years, including those that switch from an existing Scotiabank personal credit card, as well as employees of Scotiabank, are not eligible for the Offer. Subject to the above exclusions, Scotiabank small business credit cardholders are also eligible for the Offer.

Rates and Fees: The current annual fee is $120 for the primary card and $29 for each additional card (including those issued to co-borrowers and supplementary cardholders). The current preferred annual interest rates for the Account are: 20.99% on purchases and 22.99% on cash advances (including balance transfers and cash-like transactions).

All rates, fees, features and benefits are outlined in the Application Disclosure Statement and are subject to change.

You are awarded six (6) Scene+ Points for every eligible $1.00 CAD purchase made at Sobeys, IGA, Safeway, Foodland, FreshCo, Voilà by Sobeys, Voilà by IGA, Voilà by Safeway, Chalo! FreshCo, Thrifty Foods, IGA West, Les Marchés Tradition, Rachelle Béry, and Co-Op locations charged and posted to the Scotiabank Gold American Express Account. This list of eligible grocers may be changed from time to time without notice. See full list of participating merchants across Canada at scotiabank.com/participatingstores.

You are awarded five (5) Scene+ Points for every eligible $1.00 CAD purchase on all other grocery (not listed above), dining, and entertainment charged and posted to the Scotiabank Gold American Express Account. You are awarded three (3) Scene+ Points for every eligible $1.00 CAD purchase in gas, public transit and select streaming services purchases charged and posted to the Scotiabank Gold American Express Account (the earn rates for each of the above categories and merchants are referred to as the “Accelerated Earn Rates”). You are awarded one (1) Scene+ Point for every $1.00 in all other purchases of goods and services charged to the Scotiabank Gold American Express Account (the “Regular Earn Rate”).

You will earn the accelerated Scene+ Points (6X, 5X or 3X as applicable) under the Scene+ program if you make purchases in Canadian currency only. For purchases that are made in foreign currency, you will only earn 1 Scene+ Point for every $1 charged to the Scotiabank American Express® credit card once that foreign currency has been converted into Canadian dollars.

Merchant classifications – American Express network Purchases must be made at merchants classified through the American Express network with a Merchant Category Code (“MCC”) that identifies them in the American Express network in the “grocery”, “dining”, “entertainment”, “gas”, “streaming service” or “transit” category. Purchases at merchants where these categories are not their primary business do not qualify. Some merchants may (i) provide other goods or services; or (ii) have separate merchants located on their premises that may not be classified with an MCC under the Accelerated Earn Rate categories and such purchases will not earn the Accelerated Earn Rate as applicable. The Accelerated Earn Rates for the Scotiabank Gold American Express Card applies to the first $50,000 in purchases charged to the Scotiabank Gold American Express Account annually at merchants qualifying for the Accelerated Earn Rate, calculated annually from January 1st to December 31st each year. Once you exceed the applicable annual spend threshold, you will continue earning points at the Regular Earn Rate of one (1) Scene+ Point per $1.00 in purchases charged and posted to the Scotiabank Gold American Express Account. Eligibility: Only purchases earn Scene+ Points. Cash advances (including Balance Transfers and Cash-Like Transactions), fees, interest or other charges, returns, refunds or other similar credits to your Account do not qualify for Scene+ Points. Scene+ Points will not be posted to an Account that is not in good standing when purchases are made or when a statement is issued, or if the Account is not open when a statement is issued. See your Scene+ Points terms at www.scotiabank.com/sceneplus for full program details. All dollar amounts are in Canadian currency unless otherwise stated.

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Registered trademarks of The Bank of Nova Scotia, used under license. Scotia Wealth Management® is a registered trademark of The Bank of Nova Scotia, used under license. ™ Trademark of The Bank of Nova Scotia, used under license. Scotia Wealth Management® consists of a range of financial services provided by The Bank of Nova Scotia (Scotiabank®); The Bank of Nova Scotia Trust Company (Scotiatrust®); Private Investment Counsel, a service of 1832 Asset Management L.P.; 1832 Asset Management U.S. Inc.; Scotia Wealth Insurance Services Inc.; and ScotiaMcLeod®, a division of Scotia Capital Inc. Private banking services are provided by The Bank of Nova Scotia. Estate and trust services are provided by The Bank of Nova Scotia Trust Company. Portfolio management is provided by 1832 Asset Management L.P. and 1832 Asset Management U.S. Inc. Insurance services are provided by Scotia Wealth Insurance Services Inc. Wealth advisory and brokerage services are provided by ScotiaMcLeod, a division of Scotia Capital Inc. International investment advisory services are provided by Scotia Capital Inc. Financial planning services are provided by The Bank of Nova Scotia and ScotiaMcLeod. Scotia Capital Inc. is a member of the Canadian Investor Protection Fund and the Investment Industry Regulatory Organization of Canada.  Scotia Wealth Insurance Services Inc. is the insurance subsidiary of Scotia Capital Inc., a member of the Scotiabank group of companies. When discussing life insurance products, ScotiaMcLeod advisors are acting as Life Insurance Agents (Financial Security Advisors in Quebec) representing Scotia Wealth Insurance Services Inc.

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American Express is a registered trademark of American Express. This credit card program is issued and administered by The Bank of Nova Scotia under license from American Express.

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Scene+ and the Icon Design are trademarks of Scene Plus IP Corporation, used under license.

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Visa Int./ Licensed User

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Interac e-Transfer is a registered trademark of Interac Corp. Used under license.