Credit card calculators and tools

Visit the Credit Cards page on our website to choose the card that's right for you, and then apply online.

You can convert purchases during checkout (in-store or online) at a participating merchant or after purchase using the Scotia mobile app or Scotia online banking.

After purchase

To set up a Scotia SelectPay plan after you buy something:

1. Select an eligible Scotiabank Visa credit card, then the Additional services tab, followed by Scotia SelectPay
2. Select the Eligible purchases tab
3. Select an eligible purchase you’d like to convert into an installment plan
4. Pick a plan (for example, choose 3, 6, or 12 months and review the fee that applies, noting that the term lengths offered may vary by merchant)
5. Read and agree to the SelectPay Installment Plan Terms and Conditions
6. Select the button to enrol

Allow 1 to 3 business days for your installment plan to get posted to your account.

During checkout

To set up a SelectPay installment plan during an in-store or online checkout with participating merchants:  

1. When using your eligible Scotiabank Visa credit card to pay for your purchase with a participating merchant, you can convert your eligible purchase into monthly installment payments by choosing a Scotia SelectPay installment plan from the available options (currently 3, 6, or 12-month plans)
2. Review and agree to the SelectPay Installment Plan Terms and Conditions
3. Your receipt will include your installment plan details

Once your transaction is posted to your eligible Scotiabank credit card account (this may take 3 to 5 business days), you can sign in to online banking to see your plan status and more details.

An installment plan won’t impact your credit score.

When you enroll in an installment plan, Scotiabank will not perform an additional credit check.

Depending upon the type of Scotiabank cash back credit card you choose with us, today we offer cards where you can select to have your cash back earned deposited into an eligible Canadian Dollar personal chequing or savings bank account. You can also apply your cash back earned as a credit to your Scotiabank cash back credit card account each November.⁶

Your reward accumulates each month, beginning each year with your December statement, and is awarded at the end of each 12-month period.⁶

To check your cash back balance on online banking or our app:   

• Select Accounts 
• Select the Scotiabank credit card account that earns cash back
• Your cash back amount will be listed as Cash back earned

To make a payment to your credit card:

1. From your Accounts page, select your credit card account
2. Select Make a payment
3. Choose the account you want to pay your credit card from, and then enter a payment amount and date
4. Select Continue to confirm your transfer details

It may take up to 1 business day for your account to reflect this transfer.

To ensure your minimum payments are always made without worrying about the due date, you can set up Autopay.

The Scene+ points calculator helps show how your Scene+ rewards could add up. Just enter your typical average or detailed monthly spending to calculate and maximize the value of Scene+ rewards you could earn based on which credit or debit card you choose.^†

Today, most of our Scotiabank credit cards that earn Scene+ points can be redeemed as described below.

You can redeem 100 points for $1 in value that can be applied towards groceries, meals at some of Canada’s best restaurants, movie tickets and concessions, and more. ^†

You can also redeem points in increments of 100 points for $1 in value that can be applied towards flights, hotels, or car rentals when you book those purchases with Scene+ Travel⁹, Powered by Expedia.    

You can also redeem 100 points for each $1 you spend on travel you have booked anywhere with your Scene+ credit or debit card – just use the Apply points to travel¹⁰ feature on the Scene+ app. 

To find out more about how to redeem your points, visit sceneplus.ca. 

To check your Scene+ points in online banking:   

• Select Accounts 
• Select the account that earns Scene+ points

You’ll see your points on this account as Scene+ rewards.   

In our app, just select the Scene+ tab in the menu at the bottom of your screen.   
You can also see your points by logging into sceneplus.ca.

Your total points include all the Scene+ points that you earned with your eligible Scotiabank credit or debit cards and when you use your Scene+ membership card.   

Points are typically updated in your Scene+ membership account within 2-3 business days.   

Scene+ is Scotiabank’s new, evolved rewards program. It’s designed specifically to offer members greater flexibility to earn and redeem their points in ways that work best for them. Collect and use your points on movies, tech, travel, gift cards, credit to your account, dining out, and much more.

Visit sceneplus.ca to view a complete list of partners.

For most of our eligible Scotiabank credit cards that earn Scene+ points, you will earn 1 Scene+ point for every $1 you spend on eligible purchases.¹²  With a Scene+ debit card you earn 1 Scene+ point for every $5 spent on everyday purchases.¹⁰

With some of our credit cards, you can earn up to 6 Scene+ points for every $1 spent on groceries, entertainment, dining, and home improvement at select eligible partner locations.   

For example, earn 3 Scene+ points for every $1 spent on groceries, dining and entertainment purchases with the Scotiabank Passport® Visa Infinite* Card.

With an eligible Scotiabank credit or debit card, earn points faster and for some cards, take advantage of welcome bonus Scene+ points. 

Find out how many points you can earn for all your purchases by selecting your card type in our Scene+ points calculator.