Make every experience more rewarding with Scotiabank and Scene+^TM

Customers earn 1 Scene+ point for every $1 spent using their Scene+ ScotiaCard debit card on purchases made at Cineplex Entertainment theatres and online at cineplex.com . Gift cards are excluded. Maximum Scene+ points that can be earned per transaction are 300. Maximum daily Scene+ points that can be earned are 600. Some conditions and limitations apply. 

Visit www.sceneplus.ca  for complete details.

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. All dollar amounts are in Canadian currency unless otherwise stated.

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

 

Accelerated Earn Rates: You will earn accelerated earn rates on the following eligible purchases charged to the Account:

 

Grocery Stores

You are awarded two (2) Scene+ Points for every eligible $1.00 purchase made at Sobeys, Safeway, participating IGA, Foodland, Foodland & Participating Co-ops, FreshCo, Chalo! FreshCo, Thrifty Foods, Rachelle Béry, Les Marchés Tradition, Voilà by Sobeys, Voilà by Safeway and Voilà par IGA locations charged and posted to the Scotiabank Scene+ Visa 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.

 

Home Hardware Stores

You are awarded two (2) Scene+ Points for every eligible $1.00 purchase made at eligible Home Hardware, Home Building Centre, Home Hardware Building Centre, Home Furniture locations in Canada and online at homehardware.ca charged and posted to the Scotiabank Scene+ Visa Account. The list of eligible locations may be changed from time to time without notice.  See full list of eligible locations across Canada at scotiabank.com/participatingstores.

 

Cineplex

You are awarded two (2) Scene+ Points for every $1.00 purchase made at Cineplex theaters, the Cineplex App and online at cineplex.com charged and posted to the 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.

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.

You are awarded three (3) Scene+ Points for every eligible $1.00 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 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. 

 

Additionally, you are awarded two (2) Scene+ Points for every eligible $1.00 purchase all other grocery (not listed above), dining, entertainment, gas, daily transit and select streaming services charged and posted to the Scotiabank American Express Account (the “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 American Express Account (the “Regular Earn Rate”). 

 

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. 

ACCELERATED EARN RATES:

Travel Purchases: You are awarded three (3) Scene+ Points for every eligible $1.00 in travel purchases charged and posted to the Scotiabank Passport Visa Infinite Privilege credit card account (the “Account”). Travel purchases are those purchases identified further below under the “Merchant Classifications”.

 

Earning Scene+ Points on Scene Program Card

You may earn Scene+ Points on the total value of your purchase made using Scene+ Travel, including taxes and fees, whether it was made using Scene+ Points or a payment card (including a Program Card) or a combination of the two. Any Scene+ Points earned on a travel purchase using Scene+ Travel will be applied to your Scene+ Account within 6 weeks after you have completed your itinerary.

•            Hotels: 3 Scene+ Points per $1 spent;

•            Car Rental: 3 Scene+ Points per $1 spent

•            Things to Do: 3 Scene+ Points per $1 spent

 

The earn rates on Scene+ Travel may be changed.

 

Dining and Entertainment Purchases: You are awarded two (2) Scene+ Points for every eligible $1.00 purchase on all dining and entertainment purchases charged and posted to the Account (the earn rates for each of the categories are referred to as the “Accelerated Earn Rates”).

 

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

 

Merchant Classifications: You will earn the Accelerated Earn Rates on purchases made on your account at merchants classified in the Visa credit card network with a Merchant Category Code (“MCC”) in the “Travel” category (the “travel purchases”) (including Airlines and Air Carriers, Car Rental Agencies, Lodging – Hotels, Motels, Resorts, Local and Suburban Commuter Passenger Transportation, including Ferries, Passenger Railways, Taxicabs and Limousines, Bus Lines, Steamship and Cruise Lines, Airlines and Air Carriers – Not Elsewhere Classified, Travel Agencies and Tour Operators, Tolls and Bridge Fees, Transportation Services – Not Elsewhere Classified, Lodging – Hotels, Motels, Resorts, Central Reservation Services not elsewhere classified, Timeshares, Trailer parks and Campgrounds, Automobile Rental Agency and Motel Home and Recreational Vehicle Rentals ); or in the “Dining” category (“Dining Purchases”) (including Eating Places and Restaurants, Drinking Places and Fast Food Restaurants); or in the “Entertainment” category (the “Entertainment Purchases”) (including Motion Picture Theatres, Ticket Agencies and Theatrical Producers, Ticket Agencies, Bands, Orchestras, Miscellaneous Entertainers - Not Elsewhere Classified, Tourist Attractions and Exhibits, Aquariums, Seaquariums, Dolphinariums, and Zoos categories). MCC are set by the Visa credit card network associated with your Account and must be recognized by Scotiabank’s system as set out in the Scene+ Program terms and conditions. MCC are subject to change.

 

Purchases at merchants where these categories are not their primary business do not qualify. 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 that may not be classified with an MCC under the Accelerated Earn Rate categories of Travel, Dining and Entertainment and such purchases will not earn the Accelerated Earn Rates on the Account as applicable.

 

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 scotiabank.com/sceneplus for full program details.

 

All dollar amounts are in Canadian currency unless otherwise stated.

If you open a Preferred Package account (the “Account”), on or after the date you open the Account (the “Account Open Date”), you will receive an annual fee rebate for the first year only (the “First Year Annual Fee Rebate”) on one eligible Scotiabank Credit Card account (an “Eligible Card”) opened on or after the Account Open Date. Eligible Cards are the Scotiabank Gold American Express®, Scotiabank Passport® Visa Infinite*, Scotia Momentum® Visa Infinite* and Scotiabank Value® Visa* credit cards. Eligible Cards are subject to change. Each Account can only receive one First Year Annual Fee Rebate regardless of the number of account holders on the Account or Eligible Cards opened. The First Year Annual Fee Rebate will be applied to the first annual fee charged to one Eligible Card that you hold as the primary cardholder after the Account Open Date. If there is more than one Eligible Card opened after the Account Open Date, the First Year Annual Fee Rebate will be applied only to the first annual fee charged to one Eligible Card that you hold as the primary cardholder after the Account Open Date. This First Year Annual Fee Rebate is only available for new Eligible Cards opened on or after the Account Open Date. Current or previous cardholders of an Eligible Card or cardholders that transfer to an Eligible Card on or after the Account Open Date will not receive the First Year Annual Fee Rebate. All other fees and charges applicable to the Eligible Card continue to apply. First Year Annual Fee Rebate will not be applied if the Account or Eligible Card is not open or is not in good standing and cannot be combined with any other annual fee rebate offer. Current annual fees, rates and other features for Eligible Cards are subject to change.

If you open an Ultimate Package account (the “Account”), on or after the date you open the Account (“Account Open Date”) you will receive an annual fee rebate of up to $150 on one Eligible Card that you hold as the primary cardholder (“Annual Fee Rebate”), for each year as long as you have one eligible Scotiabank Credit Card account (an “Eligible Card”) and the Account  which are open and in good standing. You will receive the Annual Fee Rebate, even if you opened an Eligible Card prior to the Account Open Date. Eligible Cards are the Scotiabank Gold American Express®, Scotiabank Passport® Visa Infinite*, Scotiabank Passport® Visa Infinite Privilege*, Scotia Momentum® Visa Infinite* and Scotiabank Value® Visa* credit cards. Eligible Cards are subject to change. Each Account will only receive one Annual Fee Rebate regardless of the number of accountholders on the Account or Eligible Cards held or opened. The Annual Fee Rebate will be applied to the first annual fee charged on the Eligible Card after the Account Open Date. If you are the primary cardholder of multiple Eligible Cards, the Annual Fee Rebate will be applied to the first annual fee that is charged on an Eligible Card after the Account Open Date. If your Eligible Card has an annual fee that is greater than $150, you remain responsible for any difference after the Annual Fee Rebate is applied.  All other fees and charges applicable to the Eligible Card continue to apply. Annual Fee Rebate cannot be combined with any other annual fee rebate or waiver offer. Current annual fees, rates and other features for Eligible Cards are subject to change.

You are awarded three (3) Scene+ Points for every eligible $1.00 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 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. 

 

Additionally, you are awarded two (2) Scene+ Points for every eligible $1.00 purchase all other grocery (not listed above), dining, entertainment, gas, daily transit and select streaming services charged and posted to the Scotiabank American Express Account (the “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 American Express Account (the “Regular Earn Rate”). 

 

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. 

Scene+ Points are awarded for purchases charged to your Scotiabank Platinum American Express Credit Card Account (“the Account”). The regular earn rate is two (2) Points per $1.00 in purchases charged and posted to the Account.

 

Eligibility: Only purchases earn Scene+ Points. Cash advances (including Balance Transfers, Scotia® Credit Card Cheques 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.

 

The Accelerated Earn Rates for the Scotiabank American Express Card applies to the first $50,000 in purchases charged to the Scotiabank 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 American Express Account.

 

Eligibility: Only purchases earn Scene+ Points. Cash advances (including Balance Transfers, Scotia† Credit Card Cheques 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

Eligibility: you are eligible for the Preferred Package for Students and Youth (chequing account) if you are under 23 years of age or are enrolled full-time in a university, community college, or another recognized post-secondary institution in Canada or the United States. You will be required to confirm your student status by providing proof of enrollment. 

What happens when you’re no longer a student? When your student status expires based on Scotiabank’s records or you have failed to provide proof of enrollment confirming your full-time student status, the Student and Youth benefits will be removed and the account will be converted to the Preferred Package as of December 1st following the date of your student status expiry.

As of May 26, 2025, new and existing Preferred Package for Students & Youth account holders who have or open a Scotia iTRADE account will receive a waiver of commission on all eligible commissionable trades (up to $9.99 CAD/USD per transaction) (the “Waiver”). The Waiver relating to options will be applied to base commissions only. Note: it can take up to 10 business days from the date of opening a new Preferred Package for Students & Youth account or Scotia iTRADE account for the Waiver to apply.  The Waiver will be applied at the time of trade.

Eligibility & Exclusions:
 

• Eligible commissionable trades include stocks, ETFs and options (base commission only) placed across all Preferred Package for Students & Youth primary account holder’s Scotia iTRADE accounts after the later of May 26, 2025 and the time when a client opens a Scotia iTRADE account.

• Corporate and non-personal Scotia iTRADE accounts are not eligible.  

• Only the primary account holder of a Preferred Package for Students & Youth account and of a Scotia iTRADE account will be entitled to receive the Waiver in their Scotia iTRADE account(s). 

• Both the Preferred Package for Students & Youth account and Scotia iTRADE accounts must be open and in good standing on the last day of every month for the Waiver to apply.

• The Scotia iTRADE account must not be in a disallowed debit position and must not have any outstanding margin calls due. 

• Preferred Package Students & Youth account holders will not qualify for iClub membership based solely on their trading activity. 

• No cash redemption value. 

• This offer can be combined with other Scotia iTRADE programs and campaigns unless otherwise specified. 

• Must be at least the age of majority in province of residence to open a Scotia iTRADE account.

Scotia iTRADE ® (Order-Execution Only) is a division of Scotia Capital Inc. (“SCI”). SCI is regulated by the Canadian Investment Regulatory Organization and is a member of the Canadian Investor Protection Fund. Scotia iTRADE does not provide investment advice or recommendations and investors are responsible for their own investment decisions.

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.

Scene+ ScotiaCard® debit card: Earn 1 Scene+ Point for every $5 on debit purchases (up to a maximum of 300 points per transaction and 600 points per day) made from an eligible Scotiabank chequing or savings account using your Scene+ ScotiaCard debit card linked to a Scene+ membership, including Interac Debit contactless and Visa Debit transactions.  Normal Interac Debit contactless transaction limits apply. Scene+ Points accumulated using your Scene+ ScotiaCard debit card will be updated within 2-3 days to the associated Scene+ account.  Scene+ points are calculated on debit card purchases, less any refunds, returns, or other similar credits.  Other conditions apply. Visit www.scotiabank.com/sceneplusrewards for full terms and conditions.

Registered trademark of The Bank of Nova Scotia.

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.

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

Scene+ Travel Service booking site and call center is powered by a 3rd party service provider: visit sceneplus.ca for full details.

Trademarks of Cineplex Entertainment LP, used under license.

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.

Conditions apply.

Savings and reward potential in first 12 months includes welcome offer value, first year point earn potential and foreign transaction fee savings as of April 29, 2025:

$500 in travel rewards (50,000 bonus Scene+ points) for new Scotiabank Gold American Express Card clients who spend $2,000 within the first 3 months (to earn 30,000 points) and who spend $7,500 within the first 12 months (to earn an additional 20,000 points);

$61 in foreign transaction fee savings based on average first year annual foreign spend per account over the last 2 years (save the 2.5% foreign transaction fee markup typically charged by card issuers);

$377 in first year point earn potential (37,700 Scene+ points) on everyday purchases based on average annual first year spend per account over the last 2 years with an average spend of 25% in 5X accelerator, 5% in 3X accelerator categories, and 70% in 1x categories.

$120 in savings with first year free (annual fee waived for the primary card on the account for the first year only)

Potential First Year Value = up to $1,050

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

Offer Description and Conditions: The 50,000 Bonus Scene+ Points and First Year Annual Fee Waiver (the “Offer”) applies only to new Scotiabank Gold American Express credit card accounts (“Accounts”) opened between October 31, 2025 and January 1, 2026 (regardless of the date you apply for the Account) and is subject to the conditions below.

 

50,000 Bonus Scene+ Point Offer Description and Conditions: To be eligible for 30,000 bonus Scene+ points (the “30,000 Point Bonus”), you must have at least $2,000 in eligible purchases posted to your new Account in the first 3 months of the Account open date. To be eligible for an additional 20,000 bonus Scene+ points (the “Additional 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. For Product Switches the original account open date will be applied for annual Scene+ points bonus.

 

Point Bonus Fulfillment: The applicable point Bonus(es) will be credited to the Scene+ account within approximately 8 weeks after qualifying for a 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 as follows: (i) the 30,000 Point Bonus and Additional 20,000 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 amount of eligible purchases (i.e., $2,000 or $7,500) in the appropriate time frame (i.e., first 3 months or first 12 months). If a supplementary cardholder completes the last qualifying transaction to meet the qualifying amount of eligible purchases for the 30,000 Point Bonus or the Additional 20,000 Point Bonus, the applicable point Bonus will be credited to the Primary Borrower’s Scene+ account linked to the 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.  All other terms and conditions of the Program Terms continue to apply during the Offer period. Offer may be changed, cancelled or extended without notice at any time and cannot be combined with any other offers.

 

First Year Annual Fee Waiver Offer Description and Conditions: We will waive the annual fee for the primary card issued between October 31, 2025 and January 1, 2026 on the Account for the first year only.

 

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.

Eligible Scotiabank Scene+ credit cards provide Scene+ point accelerators ranging from 2X, 3X, 5X and 6X the Scene+ points on certain purchases. Visit Scotiabank.com/sceneplusrewards to learn more about the various credit card options. Terms and conditions apply.

The Scotiabank Cash Bonus Bundle Offer Terms and Conditions
 

1.        The Scotiabank Cash Bonus Bundle Offer (the “Offer”) is available between October 31, 2025 and March 2, 2026 (the “Offer Period”) to individuals who open new eligible accounts. Subject to the Offer conditions, eligible clients can earn $500 when they open a new Preferred Package or Ultimate Package chequing account and complete certain qualifying transactions. Plus, clients who meet the conditions for the $500 bonus are also eligible to earn up to $200 in additional cash bonuses when they bundle their new Preferred or Ultimate Package chequing account with a new Money Master Savings Account and/or a new eligible Registered Account and complete certain qualifying transactions.

$500 Cash Bonus for Preferred or Ultimate Package Conditions
 

2.       To qualify for the $500 cash bonus (the “$500 Package Bonus”), you must:

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

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

·  Set up and receive 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 in total, or
·  Set up and make a minimum of one (1) eligible recurring pre-authorized transaction with a minimum value of at least $50 per transaction which will each recur monthly for a minimum of six (6) consecutive months in total, or
·  Make at least one (1) eligible online bill payment of at least $50 through the Scotiabank Mobile App or through Scotia OnLine.

3.       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 $500 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 $500 Package Bonus.

$100 Money Master Savings Account Bundle Conditions
 

4.       To qualify for a $100 cash bonus (the “$100 Savings Bundle Bonus”), you must meet all of the conditions for the $500 Package Bonus, and:

    a.       During the Offer Period and within 60 days of opening your Eligible Chequing Account:

i. Open a new Money Master Savings Account (the “Eligible Savings Account”).
ii. Enroll your new Eligible Savings Account in either the Pay Yourself First or the Savings Finder tool (each a “Smart Savings Tool”).

    b.       Remain enrolled in your selected Smart Savings Tool for 90 consecutive days.

5.       Enrolment in a Smart Savings Tool is subject to certain eligibility requirements and can only be done through the Scotiabank mobile banking app. For example, enrollment in the Pay Yourself First tool will not be available if you have not had at least 4 recurring deposits to your Scotia Chequing Account at the time you attempt to enroll. Also, both the Eligible Chequing and Savings Accounts must be “Any to Sign” to be eligible for the Smart Savings tools. Only one Smart Savings Tool can be enrolled in at a time but you can switch tools at any time, however, you must remain enrolled in a Smart Savings Tool for 90 consecutive days from the date of first enrolment in Section 4.a.ii. above.  See the Smart Savings Tool Agreement for full terms and conditions.

$100 Registered Account Bundle Conditions
 

6.       To qualify for a $100 cash bonus (the “$100 Registered Bundle Bonus”), you must meet all of the conditions for the $500 Package Bonus, and:

    a.       During the Offer Period and within 60 days of opening your Eligible Chequing Account, open a new Eligible Registered Account (as defined below).

7.       For the purposes of this Offer, the following Scotia Registered Accounts opened with either The Bank of Nova Scotia (“Scotiabank”) or Scotia Securities Inc. are defined as “Eligible Registered Accounts”:  Scotia Registered Retirement Savings Plans (excluding Spousal RRSPs and 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 included in the definition and are not eligible for the Offer.

Offer Eligibility and Exclusions
 

8.       $500 Package Bonus: 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 this 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.

9.       100 Savings Bundle Bonus:  Individuals who currently hold or have held a Money Master Account with Scotiabank in the six (6) months preceding the Offer Period are not eligible for this Bonus.

10.    $100 Registered Bundle Bonus: In order to qualify for the $100 Registered Bundle Bonus, Individuals who  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 are not eligible for this Bonus. 

11.     Employees of Scotiabank are also not eligible for the Offer.

Offer Fulfillment

12.    Provided all of the applicable Offer conditions have been met:

    a.       the $500 Package Bonus will be deposited to the Eligible Chequing Account within approximately nine (9) months from account open date. 

    b.       the $100 Savings Bundle Bonus will be deposited to your Eligible Savings Account within approximately thirteen (13) months from the account open date.

    c.       the $100 Registered Bundle Bonus will be deposited to your Eligible Registered Account within approximately ten (10) months from the account open date.  

13.    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 clients investing in non-Canadian dollar currencies, the investment will be calculated based on Canadian dollar equivalent at the Scotiabank rate on the transaction date to determine eligibility for the offer. All bonuses will be paid in Canadian dollars.

14.    For any cash bonus to be fulfilled, the Eligible Chequing Account, the Eligible Savings 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: (i) it has a negative balance exceeding the authorized overdraft limit, (ii) it has been in continuous overdraft for a period of three consecutive months, or (iii) the Account holder is in breach of the Account agreement with Scotiabank. The Eligible Savings Account is not in 'good standing' if it has a negative balance.  An Eligible Registered Account is not in 'good standing' if the account holder is in breach of the Eligible Registered Account’s client account agreement. Clients are responsible to confirm their applicable registered plan contribution limits prior to making any contribution to their Eligible Registered Account(s).

15.    If more than one (1) Eligible Chequing Account is opened, only the first Eligible Chequing Account opened will be eligible for the $500 Package Bonus. If more than one (1) Eligible Savings Account is opened, only one Eligible Savings Account that fulfilled the $100 Savings Bundle Bonus conditions will be eligible for the $100 Savings Bundle Bonus. If more than one (1) Eligible Registered Account is opened, only the first Eligible Registered Account that fulfilled the $100 Registered Bundle Bonus conditions will be eligible for the $100 Registered Bundle Bonus. If two Eligible Registered Accounts fulfill on the same day, the $100 Registered Bundle Bonus will be paid into only one of the Eligible Registered Account(s) in the following order: (1) Eligible TFSA, then (2) Eligible FHSA, then (3) Eligible RRSP.

16.    For joint accounts, only the primary Eligible Chequing Account holder is eligible to receive the $100 Savings Bundle Bonus and $100 Registered Bundle Bonus into their Eligible Savings Account and Eligible Registered Account, as applicable. The primary account holder must be the same client on both the Eligible Chequing Account and Eligible Savings Account.

General Terms
 

17.    This Offer is non-transferable and may not be duplicated. Limit of one (1) $500 Package Bonus, (1) $100 Savings Bundle Bonus, and one (1) $100 Registered Bundle Bonus per client (for a total bonus of up to $700), regardless of the number of Eligible Chequing Accounts, Eligible Savings Accounts or Eligible Registered Accounts opened.

18.    The $100 Registered Bundle Bonus is not considered a contribution. Scotiabank and Scotia Securities Inc. are not responsible for any contribution over a client’s applicable registered plan limit in connection with this Offer. Clients should consult with a tax advisor to discuss any tax implications in connection with this Offer and clients are responsible for any required tax reporting.

19.    All rates, fees, features and benefits are subject to change. All other terms and conditions of the Account and Smart Savings Tools Agreement continue to apply.

20.   The Offer is non-transferable and may not be duplicated. Offer may be changed, cancelled or extended at any time without notice and cannot be combined with any other offers on the Account, unless otherwise permitted by Scotiabank.

Terms and Conditions found in Scotiabank International Money Transfer Agreement apply