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Scotia SelectPay™
Enjoy the flexibility of buying now and paying little by little.
Turn eligible credit card purchases of $100 or more1 into monthly installment payments over a fixed period of time with Scotia SelectPay2 during checkout or after purchase.
Choose the credit card that’s right for you
Scotia SelectPay is available on select Scotiabank Visa* credit cards
Scotiabank Passport® Visa Infinite* Card
Earn up to $1,100+ in value in the first 12 months, including up to 35,000 bonus Scene+ points and annual fee waived on your first supplementary card.‡
Earn 3 Scene+ points1 on every $1 you spend at Sobeys, Safeway, IGA, Foodland & Participating Co-ops and more.
Annual fee: $150
Interest rates: 20.99% purchases / 22.99% cash advances
Scotia Momentum® Visa Infinite* Card
Earn 10% cash back on all purchases for the first 3 months (up to $2,000 in total purchases).1 Plus, no annual fee in the first year, including on additional cards.1
Annual fee: $120
Interest rates: 20.99% purchases / 22.99% cash advances
Scotiabank® Scene+™ Visa* Card
Earn up to 7,500 bonus Scene+ points within your first 3 months.2
Earn 2 Scene+ points4 on every $1 you spend at Sobeys, Safeway, Foodland & Participating Co-ops, FreshCo and more.
Earn 2 Scene+ points4 on every $1 you spend at Home Hardware.
Annual fee: $0
Interest rates: 20.99% purchases / 22.99% cash advances
Scotia Momentum® Visa* Card
Get a 2.99% introductory interest rate on balance transfers for the first 6 months (22.99% after that; annual fee $39).2
Annual fee: $39
Interest rates: 19.99% purchases / 22.99% cash advances
Scotia Momentum® No-Fee Visa* Card
Earn 5% cash back on all purchases for the first 3 months (up to $2,000 in total purchases).2 Plus, get a 0% introductory interest rate on balance transfers for the first 6 months (2% fee per cash advance, 22.99% after that; annual fee $0).2
Annual fee: $0
Interest rates: 19.99% purchases / 22.99% cash advances
Scotiabank Value® Visa* Card
0% introductory interest rate on balance transfers for the first 10 months (1% fee per cash advance, 13.99% after that; annual fee $29).2 Plus no annual fee in the first year.2
Save up to hundreds of dollars a year on interest.
Annual fee: $29
Interest rates: 13.99% purchases / 13.99% cash advances
Scotia® Home Hardware PRO Visa* Business Card
Earn up to 15,000 bonus Scene+ points in your first 3 months (that’s up to $150 in points value). 1
Earn 1 Scene+ point for every $1 spent on your credit card for eligible business purchases at Home Hardware. ‡
Annual fee: $0
Interest rate: Competitive interest rate tied to Scotiabank's prime rate.
Online during checkout
Online during checkout (for SelectPay installment plans) with a participating merchant.
- Click checkout and input your eligible Scotiabank Visa* Card details.
- Choose a 3, 6, or 12-month plan3 from the list, 'Eligible for installments'. Installment plans are enabled by Visa*.
- Review and agree to the SelectPay Plan Terms and Conditions that apply to your online during checkout SelectPay installment plan.
- Your receipt will include your installment plan details.
- Sign into the Scotia mobile app or Scotia online banking to see your plan status after your transaction in posted (takes approximately 3-5 business days).
Or watch the video to learn more
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Choose from flexible Scotia SelectPayTM installment plans on eligible Home Hardware purchases made with your eligible Scotiabank Visa* credit card, of up to 24 months with no interest and no fees on plans.†
Advice+ features
Make the most of your money with the right advice
Buy Now, Pay Later plans (BNPL) and Scotia SelectPay Installment plans
Learn how installment plans on credit cards, like those available from Scotiabank through its SelectPayTM plans – can help to provide a flexible way to pay for planned and unplanned purchases (during Checkout and after Purchase).
4 tips to help organize your finances and prepare for the future
How you can better manage your cashflow to get ready for your goals.
What is a credit card installment plan and how can I make the most of it?
A credit card installment plan is a feature that can help you to pay for purchases on your credit card over a fixed period.
Start using Scotia SelectPayTM
3 ways to get started
During checkout (in-store or online) with Scotia SelectPay Installment Plan
During checkout you can choose a Scotia SelectPay installment plan for qualifying purchases at participating merchants. Installment plans are enabled by Visa*.
Get started with the Scotia mobile app
1. Download the Scotia mobile app or update it to the latest version
Scotia online banking
Start banking now from your computer, smartphone, or tablet.
1. Sign into Scotia online
Scotia SelectPay is an installment plan feature (the “Plan”, “Installment Plan” or “SelectPay”) made available on eligible Scotiabank credit card accounts (the “Eligible Account(s)”) that allows primary cardholders to convert an eligible credit card purchase of at least $100 in Canadian dollars (including taxes) posted to the Eligible Account to an Installment Plan with monthly payments over a fixed payment period (the “Installment Payment Period”) with a fixed interest rate (the "Installment Rate") during the Installment Payment Period that applies to that Plan.
The total amount of your Installment Plan will be divided over the months you selected in your Installment Payment Period in monthly installment payments of equal amounts over a fixed period, except for the last installment payment, which may be higher or lower than the other installment payments, due to rounding.
No installment plan fee (the “Installment Plan Fee”) applies to these Installment Plans.
The Installment Rate and installment Payment Period may vary per Plan and will be disclosed to you at the time you select the Plan.
All Installment Rates and applicable Installment Fees and other applicable terms of Installment Plans are subject to change. Installment Plan offers cannot be combined with any other offer.
The Installment Rate that applies to your Plan will apply during the Installment Payment Period to the amount of your Eligible Purchase converted to a Plan on the date the Plan is processed (the conversion date) to your Account. Prior to that conversion date, the annual interest rate on Purchases that applies to your Account will apply to that Eligible Purchase from the transaction date.
If we do not receive payment of the full balance (the “New balance”) by the payment due date that appears on your statement in the month in which the Eligible Purchase was posted to your Eligible Account you will lose the benefit of your interest-free grace period on that Eligible Purchase and any applicable interest during that time will then apply at the annual interest rate that applies to Purchases on your Eligible Account from the transaction date until the conversion date.
You may lose the benefit of the Installment Rate and your Plan could be cancelled if we do not receive payment of your monthly minimum(s) payment applicable to your Plan (the “Current Installment Payment”) by your payment due date while your Plan is in effect (as set out in your full SelectPay Installment Plan terms and conditions - see below for which terms and conditions apply to your Eligible Account). If that occurs, any remaining outstanding balance owing on your Plan at the time of cancellation will be subject to the then current annual interest rate that applies to Purchases on your Eligible Account
In the case of Eligible Accounts that are subject to the SelectPay Terms and Conditions after January 29, 2024, if we do not receive payment of the entire amount of your Current Installment Payment by the payment due date shown on that statement, any unpaid portion of that Current Installment Payment will accrue interest at the annual interest rate that then applies to Purchases on your Eligible Account beginning from the first day of the statement period after the missed Current Installment Payment until that amount is paid in full. You will still owe us payment of any Current installment Payment(s) due after that missed payment.
Any unpaid remaining balance on your Installment Plan (the “Remaining Installment Amount Balance”) after the Plan ends or is cancelled by you or us will be applied to the outstanding balance on your Eligible Account. Your Remaining Installment Amount Balance is again eligible for an interest-free grace period. You will not pay interest on that Remaining Installment Amount Balance if we receive payment of the full balance (the “New balance”) that appears on your statement in the month in which your Remaining Installment Amount Balance was applied to the outstanding balance on your Eligible Account. If you lose your interest-free grace period on the Remaining Installment Amount Balance, any applicable interest will then apply at the annual interest rate that applies to Purchases on your Eligible Account on that amount from the date of expiration or cancellation of the Installment Plan until the amount is paid in full.
Your Eligibility to convert an Eligible Purchase to an Installment Plan and the terms made available to you are subject to Scotiabank’s assessment at the time you request to convert your Eligible Purchase to a Plan. SelectPay is only available through the Scotia mobile banking app and Scotia online to primary cardholders on an Eligible Account.
Eligible Purchases that we identify to you as eligible for a SelectPay Plan (After Purchase Plans) must be converted to a Plan through our Scotiabank Online or Scotiabank mobile banking within the time period as described in your SelectPay plan terms and conditions otherwise those Eligible Purchases may no longer be eligible for a Plan.
See the full Terms and Conditions for eligible Scotiabank Credit cards, eligible purchases and additional SelectPay terms and conditions, which are subject to change.