Scene+^TM 100,000 Points Contest^†

Registered trademark of The Bank of Nova Scotia.

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

Visa Int. / Licensed User.

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

NO PURCHASE OR ACCOUNT OPENING NECESSARY. Contest runs from June 1, 2024 at 12:00:01 (ET) to October 31, 2024 at 11:59:59pm (ET). Open to Canadian residents 17 years of age or older excluding Quebec who attended one of the following sponsored events: Pinoy Fiesta in Toronto, Ontario on June 8, 2024, Summer Bhangra Jam in Surrey, British Columbia on August 24, 2024, Summer Bhangra Jam in Mississauga, Ontario on August 31, 2024, Uptown Asian Festival in Richmond Hill, Ontario from August 30 – September 1, 2024, Diwali Dhamaka in Brampton, Ontario on October 19, 2024, Diwali Dhamaka in Vancouver, British Columbia on October 26, 2024. Six (6) winners (one from each of the 6 events) will each receive 100,000 Scene+ points (approximate retail value of each prize is $1,000 CAD). The odds of an entry being drawn depend on the total number of eligible entries received per event during the Contest Period. Limit of one (1) entry and one (1) Prize per entrant regardless of the number of events attended. Additional conditions apply. See full Official Rules at https://arm6.scotiabank.com/rules for complete details.

To access Scotia Smart Money by Advice+, you must have an active personal banking retail product, have transacted at least once on your account within the preceding 6 months and have logged into the Scotia Mobile Banking App.

Additional fees apply for shared ABM services, cross-border debit transactions and other banking services not included in the Student Banking Advantage Plan account package.

Foreign currency exchange rate also applies. A transfer needs to be made from an eligible Scotiabank Chequing or Savings account. 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.

Subject to approval. A customer must apply for an Overdraft Protection Plan to determine if they qualify.

Value of up to $1,800 is calculated as follows: i) up to $687.30 first year value with the StartRight Program + ii) Up to $1,137 in Preferred Package, TFSA/RRSP and Scotiabank Passport Visa Infinite welcome offer and first year point earn potential:

 

1. Value of up to $687.30 is an annual potential value for the first year based on the following benefits and savings available to StartRight^TM customers as of March 1, 2024:

• $203.40 in account fee savings for a Preferred Package chequing account ($16.95 monthly account fee waived for first 12 months);
• $280 in fee savings when compared to in-branch Swift Wire Transfers (assumes an annual average of 7 in-branch Swift Wire Transfers at $40 per transfer);
• $99.90 in fee savings for 10 free equity trades with iTRADE (10 free equity trades per year at $9.99/trade);

Actual value will depend on individual usage of the StartRight^™ Program features and products. Conditions apply. All products and features are subject to change.

2. Value of up to $1,137 in Scotiabank welcome offers and first year point earn potential includes the following offers as of March 1, 2024:

• $400 ($350 cash offer for new Preferred and Ultimate Package clients who complete certain qualifying conditions plus an additional $50 when you open a new RRSP, FHSA, or TFSA and set up an eligible recurring PAC or deposit and maintain a minimum balance);
• $300 value for new Scotiabank Passport Visa Infinite customers who can earn up to 30,000 bonus Scene+^TM* points plus $150 annual fee waiver on your first supplementary card;
• $287 in first year point earn potential (28,733 Scene+ points) on everyday purchases based on average annual first year spend per account with an average spend of 19% in 2x accelerator categories.

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

Scotiabank StartRight^® Program is available only for Canadian Permanent Residents from 0-5 years in Canada and Foreign Workers.

A maximum of five Premium Periods at any one time, each of which can have a length of 90 days, 180 days, 270 days, or 360 days. For each Premium Period, Premium Interest is calculated daily by applying the Premium Interest Rate to each deposit, including any accumulated Regular Interest, until the end of the Premium Period. Premium Interest is paid at the end of each Premium Period, so long as NO DEBIT TRANSACTION HAS OCCURRED within that Premium Period. When a debit transaction occurs, no Premium Interest is payable for that Premium Period and a new Premium Period of the same length will commence the same day. Refer to Current Rates Page for current Interest Rates, which are subject to change.

When you don’t make any withdrawals within the Premium Period timeframe you select.

Savings and reward potential in first 12 months based on the following card usage and offers:

$300 in travel rewards (30,000 bonus Scene+ points) when you spend $1,000 within your 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).
$150 primary card fee waiver for the first year;
$50 additional card fee waiver on your first additional card (including those issued to co-borrowers and supplementary cardholders) every year;
$104 in foreign transaction fee savings based on average first year annual foreign spend per account (save the 2.5% foreign transaction fee typically charged by other card issuers);
$287 in travel rewards (28,733 Scene+ points) on everyday purchases based on average annual first year spend per account with an average spend of 19% 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$136/USD$99 plus 5 lounge passes at CDN$43/USD$31 per pass). Currency conversion as at November 9, 2023.

Potential First Year Value = up to $1,341

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

Offer Description and Conditions: : The 30,000 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 July 1, 2024 subject to the conditions below.  We will waive the annual fee for the primary card issued before July 1, 2024 on the Account for the first year only. 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.

30,000 Bonus Scene+ Point Offer Description and Conditions: To qualify for the 30,000 bonus Scene+ points (the “30,000 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 30,000 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 30,000 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 30,000 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 July 1, 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).

First Year Annual Fee Waiver Offer Description and Conditions: We will waive the annual fee for the primary card issued before July 1, 2024 on the Account for the first year only.

Offer Description and Conditions: The 25,000 Bonus Scene+ Points Offer (the “Offer”) applies only to new Scotiabank Passport Visa Infinite credit card accounts (“Accounts”) that are opened by October 31, 2023 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 “Bonus Offer”), 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 Bonus Offer points will be credited to the primary cardholder’s Scene+ account within approximately 2-3 business days following the qualifying $1,000 in eligible purchases being posted to your Account within 3 months from the Account open date, provided the Account is open and in good standing. 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, 2023. 

 

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. 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.