Saint-Barthélemy: the French art of living under the Caribbean sun

Published February 18, 2024Updated October 5, 20269 min readEditorial integrity

Located in the north of the Caribbean arc, 15 minutes by plane from the island of Saint-Martin, this jewel is appreciated for its sublime beaches, crystal-clear waters and upscale tourism.

Saint-Barthélemy: the French art of living under the Caribbean sun - saint-barth-mer

This French Eden, with its reputation as an island of billionaires, looks like a postcard with its unspoilt nature and sumptuous landscapes.

Two famous lines, taken from French poet Charles Baudelaire’s “L’invitation au voyage”, perfectly describe the atmosphere on the smallest island in the French West Indies.

Here, all is order and beauty Luxury, calm and pleasure.

The island may be famous for its luxury boutiques and the superyachts that anchor in Gustavia’s roadstead, but it is nonetheless an ideal destination for a relaxing break.

Don’t hesitate to rent a car, then set out to conquer it: coves, typical villages, traditional huts, cliffs, natural pools and many other jewels will fill you with wonder during your escapade.

Saint-Barthélemy – The sea as a playground

If the Big Blue is in your DNA, you’ll be seduced in the blink of an eye by this jewel of the Lesser Antilles.

Discover the seabed, tour the island on a jet ski, let yourself be carried away by the waves on a kite surfing trip, marvel at the beauty of the landscape on a catamaran: the island has no shortage of stimulating water activities.

The Seabob, an underwater electric scooter, is a must-try.

Saint-Barthélemy: the French art of living under the Caribbean sun - seabob-saint-barth

Saint-Barth has everything to please visitors eager for the pleasures of the sea. Each beach is unique and full of treasures, in the heart of a remarkably preserved natural environment.

Here are a few beaches to discover:

North of the island. Close to the capital Gustavia, the sublime beach of Saint-Jean is separated into two parts by the Eden Rock hotel, close to the famous Nikki Beach Saint-Barth, renowned for its ambience. The area is home to numerous restaurants, boutiques and hotels.

Saint-Barthélemy: the French art of living under the Caribbean sun - Plage-Saint-Jean-Saint-barth

West of the island. Colombier beach, located in the middle of the nature reserve, is a paradise for snorkelers. This haven of peace is only accessible by boat or footpath.

Saint-Barthélemy: the French art of living under the Caribbean sun - St-barth-Colombier

North-west of the island. Flamands beach is the largest in Saint-Barth. Fine sand, turquoise water, no one can resist it. The Cheval Blanc St-Barth palace has also succumbed to its beauty.

Saint-Barthélemy: the French art of living under the Caribbean sun - plage-flamands

South of the island. The charm of Gouverneur beach should leave you breathless. In the heart of nature, tranquillity reigns supreme. Legend has it that the pirate Monbars hid his treasure nearby.

Saint-Barthélemy: the French art of living under the Caribbean sun - Gouverneur-st-barth

South-east of the island. Beautiful and wild, La Saline beach is the second largest beach after Flamands. Known for its ancient salt marshes and bird population, it can be reached by a short footpath.

Saint-Barthélemy: the French art of living under the Caribbean sun - Saline-St-barth

Saint-Barthélemy – The main attractions

A stroll through the streets of the capital Gustavia, famous for its red-roofed houses and luxury boutiques, is a must.

Magnificent views await you at Fort Karl, located on a rocky outcrop near Shell Beach, and at Fort Gustaf, famous for its lighthouse and cannons.

Shell Beach is unique with its shell-filled sand. Located five minutes from Gustavia harbor, it is appreciated for its sunsets and atmosphere. The Shellona beach restaurant is a must.

Saint-Barthélemy: the French art of living under the Caribbean sun - shellona-beach

There’s no shortage of hiking opportunities in St. Barths. One of the wildest is Grand Fond, with its natural pools.

Head for Corossol, a typical fishing village home to the traditional “dory” boats. You’ll also discover a number of craft activities, including the weaving of hats from latanier leaves.

Saint-Barthélemy: the French art of living under the Caribbean sun - Corossol-st-barth

Let yourself be enchanted by Pati Guyot’s acrylic paintings in her Saint-Jean gallery. The painter also created the popular logo St. Gallen St. Barth French Indies.

In Gustavia, stop off at the boutique-workshop Les petits carreaux. Véronique Vandernoot, who specializes in painting on ceramics, is the creator of the panels at the entrance to the beaches.

Saint-Barthélemy: the French art of living under the Caribbean sun - peinture-petits-carreaux

Looking for an original gift you won’t find anywhere else? The Kalinas & Tainos boutique in Gustavia offers handmade Tahitian and Australian pearl jewelry. You’ll be able to take home your own custom-made jewel.

Saint-Barthélemy: the French art of living under the Caribbean sun - ilet-pinel-SXM

It would be a shame not to visit the neighboring islands of Anguilla and Saint-Martin/Sint Maarteen. Prickly Pear and îlet Pinel are a must-see.

Last but not least, Lorient has become a place of pilgrimage for fans of rocker Johnny Hallyday. An opportunity to pay your respects at the French singer’s grave.

All year round, the island offers popular events such as :

St Barths Bucket Regatta – March 21 to 24, 2024 ;
The Livre et Jazz festival – March 17 to April 7, 2024 ;
The Caribbean Film Festival – May 1 to 4, 2024 ;
La Fête des quartiers du Vent – In August 2024 ;
The St Barth gourmet festival – November 5 to 10, 2024.

Don’t hesitate to check out the Facebook page of the Comité territorial du Tourisme de Saint-Barthélemy if you’re looking for other activities.

Saint-Barthélemy – How to get there and around the island?

The runway at Saint-Barthélemy-Rémy-de-Haenen airport is short: only small planes can land there. You’ll need to fly from Toronto or Montreal to Princess Juliana International Airport in Sint Maarten.

Air Transat, Air Canada, WestJet and Sunwing serve the destination on certain dates. If you’d like to use your Aeroplan points to travel to Sint Marteen, please note that there are no direct flights between Montreal and Sint Marteen with Air Canada. In economy class, the flight starts at 12,500 points one way, according to the points predictor.

Saint-Barthélemy: the French art of living under the Caribbean sun - FR-predicteur-points

Once at Princess Juliana International Airport, you can choose between several airlines to reach Saint-Barth. The flight, which takes just 15 minutes, is well worth the detour! You can also take off from Grand-Case Espérance airport in Saint-Martin.

Saint-Barthélemy: the French art of living under the Caribbean sun - aeroport-saint-barth

For those who prefer to travel by sea, there are several options for getting to the port of Gustavia: by ferry from Philipsburg in Sint Maarten, or from Marigot in Saint-Martin. The journey takes about 45 minutes. Several companies also offer a private water cab service.

For getting around the island, you’ll find cabs and car and scooter rental agencies in Gustavia or at the airport. There is no public transport in Saint-Barth.

Saint-Barthélemy – Dream accommodations

From sumptuous villas far from the public eye, to charming hotels with panoramic views of the Caribbean Sea, to hillside bungalows in the heart of nature, you’re sure to find the accommodation you’re looking for.

Luxury hotels include :

The Cheval Blanc St-Barth, located on the Baie des Flamands, is the first establishment outside mainland France to be awarded the “palace” label. When it comes to well-being, it’s hard to resist the spa, which offers Guerlain signature pampering.

Saint-Barthélemy: the French art of living under the Caribbean sun - cheval-blanc-st-barth

The five-star Gyp Sea St Barth offers two ambiances: its boutique hotel overlooking the Baie des Flamands on the Colombier heights, and seaside cottages in Saint-Jean. Decor fans will appreciate its bohemian and colonial style.

Saint-Barthélemy: the French art of living under the Caribbean sun - Gyp-Sea -St-Barth

The five-star Hôtel Barrière Le Carl Gustaf Saint-Barth is located on the heights of Gustavia. The architects imagined this hotel as a boat rocked by the trade winds, with a breathtaking view of the capital.

Saint-Barthélemy: the French art of living under the Caribbean sun - Carl Gustaf St Bath

The five-star Eden Rock St Barths is a legendary hotel on St Jean Bay. Founded in the 1950s by adventurer Remy de Haenen, the site boasts a magnificent coral reef.

Saint-Barthélemy: the French art of living under the Caribbean sun - Eden-rock-st-barth

Le Guanahani St. Rosewood BarthThis 5-star hotel is located on a private peninsula overlooking the beaches of Maréchal Bay and Grand Cul-de-Sac. Nature reigns supreme with 18 hectares of lush gardens.

Saint-Barthélemy: the French art of living under the Caribbean sun - Rosewood Le Guanahani St. Barth

Save Money on Hotels with Reward Points

To save on a hotel in Saint-Barth, you’ll need to turn to credit card travel points. This is the only way to reduce the cost of your stay in paradise, with the exception of hotel promotions.

Saint-Barthélemy: the French art of living under the Caribbean sun - plage-Gyp-Sea

Let’s take Membership Rewards points from American Express: if you manage to accumulate 80,000 points, you’ll receive an $800 account credit.

The procedure is straightforward: once you’ve booked with your credit card, log in to your online account, then apply your points to your travel purchase.

To easily accumulate travel points for your next vacation, all you have to do is take an interest in welcome offers from credit cards, while maximizing your daily spending to accumulate even more points.

And if you don’t want to pay the 2.5% foreign currency transaction fee, don’t forget to choose a card with no conversion fees, such as the Scotiabank Gold American Express^® Card.

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Scotiabank Gold American Express^® Card

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Annual fee: $120
Our valuationMilesopedia first-year estimate First-year valueWelcome bonus$500Total$500Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.: $500
Welcome offerAfter $7,500 in 12 months: Up to 50,000 points; Ends Nov 1, 2026

The Scotiabank Gold American Express Card offers an excellent welcome bonus.

Until November 1, 2026, you can earn up to 50,000 bonus Scene+ points, broken down as follows:

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This represents a value of up to $500 for travel (including Airbnb).

With the Scotiabank Gold American Express Card, you earn 6 points per dollar spent at Sobeys, IGA, Safeway, Foodland, FreshCo, Voilà by Sobeys, Voilà par IGA, Voilà by Safeway, Chalo! grocery stores. FreshCo, Thrifty Foods, IGA West, Les Marchés Tradition, Rachelle Béry and Co-Op.

Also, you earn 5 points per dollar for:

Grocery stores
Restaurants
Entertainment centers

And 3 points per dollar on gas, transit and streaming services purchases.

You can redeem your points on travel purchases (flights, hotels, all-inclusive and even Airbnb). You can also use your points as cash back rewards with Scene+.

The Scotiabank Gold American Express Card also offers no foreign transaction fees, excellent insurance for your travel or purchases, concierge service, exclusive American Express benefits like the Front of the Line program.

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* The potential value of savings and rewards during the first 12 months includes the value of the welcome offer, the potential value of points earned in the first year and the value of foreign transaction fee savings as of May 22, 2026:

$300 in travel rewards (30,000 bonus Scene+ points) for new Scotiabank Gold American Express Cardholders who make purchases totaling $2,000 in the first 3 months

$200 in travel rewards (20,000 bonus Scene+ points) for making purchases totaling $7,500 in the first 12 months

$59 in foreign transaction fee savings based on the average annual amount of foreign currency purchases made per account over the last 24 months (saving on the 2.5% foreign transaction fee typically charged by other credit card issuers);

$398 corresponding to the potential value of points earned in the first year (38,500 Scene+ points) based on the average amount of purchases made, per account, over the last 24 months, assuming an average spend of 28% of purchases in categories eligible for accelerated earn rates of 6X, 5X and 3X points.

Maximum potential value after the first year = $957 (rounded to $950)

The actual value of offers, savings realized and rewards earned will vary depending on card usage and eligibility for offers. Conditions apply.

1 Offer Description and Conditions: The 50,000 Scene+ points offer (the « Offer ») applies only to new Scotiabank Gold American Express credit card accounts (the « Accounts ») opened between July 2, 2026, and November 1, 2026 (regardless of the date you apply for the account), subject to the conditions below. All other program terms and conditions continue to apply during the Offer period. The Offer may be changed, cancelled or extended at any time without notice and cannot be combined with any other offer.

To qualify for the 30,000 bonus Scene+ points (the « 30,000 Bonus Points Offer »), you must make eligible purchases totaling at least $2,000 within three months of the account opening date. To qualify for the 20,000 additional bonus Scene+ points (the « 20,000 Additional Bonus Points Offer »), you must make $7,500 in eligible purchases on your new account during the first year (twelve months). Eligible purchases mean purchases, less refunds, returns and any other similar credits, and exclude payments, cash advances (including balance transfers and quasi-cash transactions), interest charges, card fees and other fees.

Fulfillment of the Annual Bonus: Bonus points will be credited to the Scene+ account within approximately eight weeks after you qualify for a bonus, provided the account is open and in good standing. In the case of a joint account with a primary borrower and a co-borrower, bonus points will be credited as follows: (i) the 30,000 bonus points and the 20,000 additional bonus points will be credited to the Scene+ account linked to the account of the borrower who made the transaction that reached the eligible purchase threshold ($2,000 or $7,500) within the appropriate timeframe (the first three months or the first 12 months). If a supplementary cardholder makes the transaction that reaches the eligible purchase threshold for the 30,000 bonus points or the 20,000 additional bonus points, the bonus points will be credited to the Scene+ account linked to the primary borrower’s account. Points can be transferred between the Scene+ accounts of a primary borrower, co-borrower or supplementary cardholder by contacting Scene+. An account is in good standing if it is not delinquent, the credit limit is not exceeded, and the holder(s) have complied with the terms of the Revolving Credit Agreement applicable to the account. All other program terms and conditions continue to apply during the Offer period. The Offer may be changed, cancelled or extended at any time without notice and cannot be combined with any other offer.

Eligibility and exclusions: You are not eligible for the Offer if you are currently a primary or secondary cardholder of a Scotiabank personal credit card or if you have been within the past two years, including if you transfer your balance from an existing Scotiabank personal credit card account, and if you are a Scotiabank employee. Subject to the exclusions mentioned above, Scotiabank small business credit cardholders are eligible for this Offer.

Rates and Fees: The current annual fee is $120 for the primary card and $29 for each additional card (including those issued to joint account holders and additional cardholders). The preferred annual interest rates currently applicable to the account are: 21.99% on purchases and 22.99% on cash advances (including balance transfers and quasi-cash transactions).
Rates, fees, features and benefits, which are described in the application statement, are subject to change.

Savings at Shell

Get up to 7 cents per litre in instant fuel discounts for a limited time and earn up to 5 cents per litre in Scene+ points value with a Scotiabank Gold American Express Card linked to a Shell Go+ Account:

Instant 3 cents per Litre Discount on Fuel Purchases (All Grades): Receive an instant 3 cents per litre discount on purchases of fuel (all grades) (“Fuel Purchases (All Grades)”) at participating Shell locations in Canada when you use any eligible Scotiabank debit card or credit card linked to a Shell Go+ Account, up to a maximum of 1,000 litres per month per Scotiabank debit card and per Scotiabank credit card account. This total limit resets at the start of each new month per payment card account. This discount is subject to the Scotiabank Fuel Benefit Terms and Conditions.
Instant 4 cents per Litre Discount on Premium Fuel: Between May 26, 2026 and June 1, 2027 (“Promotional Period”), receive an instant 4 cents per litre discount on purchases of V-Power^® gasoline, or V-Power^® diesel (“Premium Fuel Purchases”) at participating Shell locations in Canada when you use any eligible Scotiabank credit card that earns Scene+ points linked to a Shell Go+ Account, up to a maximum of 1,000 litres per month per credit card account. This total limit resets at the start of each new month per credit card account. This promotional offer, including the Promotional Period, may be changed, extended, or withdrawn at any time without notice. These promotional offer terms are in addition to the Scotiabank Fuel Benefit Terms and Conditions.
Earn up to 5 cents per Litre in Scene+ points Value (Equivalent) on Fuel Purchases: Each time you use your linked Scotiabank credit card that earns Scene+ points on Fuel Purchases (All Grades) at participating Shell locations in Canada, you will earn at least 3 Scene+ points per $1 spent. Plus, as a Scene+ Member you will also automatically earn 1 Scene+ point for each litre in Fuel Purchases (All Grades), and as a Shell Go+ member, automatically earn 1 additional Scene+ point for each litre in Premium Fuel Purchases, made with your linked Scotiabank credit card. This means that for every litre in fuel purchased with your linked credit card, you can earn the equivalent of up to 5 cents of redeemable Scene+ points value based on a redemption value of $10 for every 1,000 Scene+ points redeemed for fuel purchases at participating Shell locations. Actual value may be lower depending on how you choose to redeem your Scene+ points. Earn and redemption limits may apply. See the Scene+ Program Terms and Conditions available at sceneplus.ca/terms-and-conditions for full details including redemption options and additional terms.

Note: Highest value of 12 cents per litre assumes a Premium Fuel Purchase made with a Scotiabank Gold American Express Card linked to a Shell Go+ Account. Actual value will vary depending on payment card used and whether or not the card is linked, fuel grade purchased, and how you choose to redeem your Scene+ points.

Additional 3¢/L at Shell (limited time)

Additional 3¢/L Fuel Discount Offer: Offer valid from October 5, 2026 to December 31, 2026 (“Promotional Period”), eligible Scotiabank credit and debit cardholders enrolled in the Shell Fuel Benefits Program who have linked an eligible Scotiabank payment card (an “Eligible Card”) to their Shell Go+ account will receive an additional instant fuel discount of 3 cents per litre on eligible fuel purchases at participating Shell-branded retail locations in Ontario, British Columbia, Alberta, Saskatchewan, Manitoba, and the Northwest Territories (the “Eligible Provinces”) excluding Shell Flying J locations. Fuel purchases made outside the Eligible Provinces are not eligible for this offer.

To receive the additional fuel discount, customers must pay with their linked Eligible Card at the time of purchase.

The additional fuel discount is in addition to the fuel savings available through the Shell Fuel Benefits Program and may be combined with other eligible fuel discounts, rewards programs, and promotional fuel offers unless otherwise stated in the applicable offer terms and conditions.

The additional fuel discount is available on up to 1,000 litres of eligible fuel purchases per calendar month for each Eligible Card. The 1,000-litre limit resets at the beginning of each calendar month.

The additional fuel discount is non-transferable, is not redeemable for cash, and cannot be substituted or exchanged.

Participation in the Shell Fuel Benefits Program is subject to the applicable program terms and conditions available at Scotiabank Fuel Benefit Terms and Conditions.

Shell Canada reserves the right to make changes to this offer and to terminate the offer at any time, for any reason and without notice.

All other applicable terms and conditions of the Shell Fuel Benefits Program, Shell Go+ and Scotiabank continue to apply.

Annual fee

Primary card$120

Additional card$29

Annual income required

Individual$12,000

Household$12,000

Conversion fees

Earning rate

6xWith the partner brand
5xGroceries
5xEntertainment
5xRestaurants
3xGas
3xStreaming
3xTransit
1xAll spending

Value

1st Year Value$1,460

2nd Year Value$461

Card benefits

Concierge service24/7

Travel insurance

Travel medical (under 55)Up to $1,000,000 / 25 days

Travel medical (55-64)Up to $1,000,000 / 25 days

Travel medical (65+)Up to $1,000,000 / 3 days

Trip CancellationUp to $1,500

Trip InterruptionUp to $1,500

Delayed BaggageUp to $1,000

Lost BaggageUp to $1,000

Flight DelayUp to $500

Hotel BurglaryUp to $1,000

Travel AccidentUp to $500,000

Purchase protection

Purchase ProtectionIncluded

Extended Warranty+1 years

Mobile DeviceUp to $1,000 / 1 years

Auto Rental Collision (primary)Up to $65,000 / 48 days

Save on villas with points

For villa rentals, consider Homes & Villas by Marriott Bonvoy. You will need to spend a minimum of 71,000 Marriott Bonvoy points for one night, on certain dates.

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Saint-Barthélemy: the French art of living under the Caribbean sun - home-and-villa-st-barth

The Marriott Bonvoy loyalty program enables members to collect and use points. There are several ways to earn cash, including using a Marriott Bonvoy credit card or staying at a Marriott Bonvoy property.

By choosing to pay with your Marriott Bonvoy^® American Express^®* Card for a villa stay, you could also take advantage of this promotion and earn bonus points.

Our credit card selection
Credit card	Annual fee	Welcome offer
Marriott Bonvoy^® American Express^®* Card Apply NowCompare	Annual fee$120	Welcome offerAfter $3,000 in 3 months Up to 70,000 points After $3,000 in 3 months	Apply NowCompare
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Are you new to the world of points? If so, we suggest our beginner’s guide to better understand the benefits of points.

When is the best time to visit Saint-Barth in the West Indies?

The average annual temperature in Saint-Barth is 27°C. The dry season, which corresponds to the high season, is best: from December to April.

What language is spoken on Saint-Barthélemy?

On Saint-Barthélemy, the official language is French.

What are some other names for St Barts?

The island of Saint-Barthélemy, in the French West Indies, is also known as St Barths or St Barth.

How do I travel to Saint-Barthélemy?

From the island of Saint-Martin, you can reach Saint-Barth by ferry, taxi-boat or luxury yacht. By air, only small aircraft are allowed to land due to the short 650-metre runway.

Can you camp in Saint-Barthélemy?

In the West Indies, camping on the beach for Easter is an institution. Gouverneur beach is one of our favorite spots. However, camping is prohibited.

What were the traditions in Saint-Barth?

To celebrate an event, it was not uncommon to enjoy roasted galettes and “poudine à patates.”

Is Saint-Barth a municipality or a community?

Saint-Barthélemy is an overseas collectivity (collectivité d’outre-mer – COM), established by the organic law of February 21, 2007, and governed by Article 74 of the French Constitution.

Where is Saint-Barthélemy airport located?

Saint-Barthélemy-Rémy-de-Haenen airport is in Saint-Jean, a five-minute drive from Gustavia.

What is the estimated population of Saint-Barth?

Saint-Barthélemy, which covers an area of 21 km2, will have just over 10,000 inhabitants in 2022, according to the French Ministry of the Interior and Overseas France. With seasonal workers and tourists, the population increases considerably during the high season.

How much is the sale of the Rockefeller Colombier estate worth?

The Rockefeller estate in Colombier has been bought by an American for almost $136 million in 2023, according to the Saint-Barth newspaper. David Rockefeller had his villa built in 1957.

What is Saint Bartholomew's night?

On the night of August 24, 1572, thousands of Protestants were massacred by Catholics in Paris.

Who started the St. Bartholomew's Day massacre?

Those responsible for the St. Bartholomew’s Day massacre, on the night of August 23-24, 1572, are believed to be King Charles IX and his mother Catherine de Médicis. But this thesis has been challenged by some historians for lack of evidence.

When was the island of Saint-Barthélemy discovered?

Saint-Barthélemy was discovered in 1493 by Christopher Columbus.

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Annual fee: $150
Our valuationMilesopedia first-year estimate First-year valueWelcome bonus$350Total$350Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.: $350
Welcome offerAfter $2,000 in 3 months: Up to 35,000 points; Ends Nov 1, 2026

With this welcome offer for the Scotiabank Passport^® Visa Infinite^+* Card, you’ll earn 25,000 welcome bonus Scene+ points after charging $2,000 in purchases to your account within the first three months.

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With the Scotiabank Passport Visa Infinite +* Card, you earn 3 points per $1 spent at Sobeys, IGA, Safeway, Foodland and participating Co-ops, and 2 points per $1 spent at other grocery stores, restaurants, eligible entertainment and eligible daily transit. You earn 1 point per $1 on all your other everyday purchases.

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* The potential value of savings and rewards during the first 12 months includes the value of the welcome offer, the potential value of points earned in the first year, the value of savings on foreign currency transaction fees and the cost of airport lounge access as of May 22, 2026:

$250 in travel rewards (25,000 bonus Scene+ points) for new Scotiabank Passport^® Visa Infinite +* Cardholders who charge $2,000 in purchases to their account within the first three (3) months;

$100 in travel rewards (10,000 bonus Scene+ points) for cardholders who charge $40,000 in purchases to their account;

$50 in savings from the annual fee waiver on the first additional card for new Scotiabank Passport Visa Infinite +* Card credit card account holders;

$132 in savings on foreign currency transaction fees based on the average amount of foreign currency purchases made per active account over the past 24 months (by saving on the 2.5% foreign currency transaction fees typically charged by other credit card issuers);

$364 representing the potential value of points earned in the first year (36,400 Scene+ points) based on the average amount of purchases made per active account over the past 24 months, assuming an average spend of 21% of purchases in categories eligible for accelerated earn rates of 2X and 3X points;

$358 representing the value of complimentary membership in the Visa Airport Companion program which includes 6 airport lounge passes (based on « Preferred » membership valued at approximately $357 CAD/$259 USD). Based on the exchange rate in effect on May 22, 2026.

Maximum potential value after the first year = $1,254 (rounded to $1,250)

The actual value of offers, savings realized and points earned will vary depending on card usage and eligibility for applicable offers. Conditions apply.

1 Offer description and conditions: The 25,000 Scene+ points offer (the « offer ») applies only to new Scotiabank Passport Visa Infinite +* Card credit card accounts (the « accounts ») opened between August 4, 2026 and November 1, 2026 (regardless of the date you apply for the account) subject to the conditions below. The offer may be modified, cancelled or extended at any time without notice, and it cannot be combined with any other offer.

In addition, as a Scotiabank Passport Visa Infinite +* Cardholder, you are eligible for an annual bonus of 10,000 Scene+ points if you charge at least $40,000 in eligible everyday purchases to your Scotiabank Passport Visa Infinite +* Card account over the course of one year. Conditions apply; see below for more details.

Description and conditions of the 25,000 bonus Scene+ points offer: To be eligible for the 25,000 bonus Scene+ points offer (« 25,000 bonus points »), you must charge at least $2,000 in total eligible purchases to your account within the first three months following the account opening date.

Conditions for the annual 10,000 Scene+ points bonus:
As a Scotiabank Passport Visa Infinite +* Card credit cardholder, you can earn an annual bonus of at least 10,000 Scene+ points (the « annual points bonus ») if you charge at least $40,000 in eligible purchases to your account over the course of one year (12-month period). The annual period begins on the account opening date; a new period starts again every twelve months thereafter. If you replace another Scene+-eligible credit card with the Scotiabank Passport Visa Infinite +* Card (i.e., it is not a new card or an additional card), the opening date of your original account will be carried over to your new Scotiabank Passport Visa Infinite +* Card account and your annual period under this offer will begin on the next anniversary date of your original account opening. For example, if you originally opened a Scotiabank Gold American Express^® Card account on January 15, 2022 and you switch to the Scotiabank Passport Visa Infinite +* Card on July 15, 2025, your annual period under the 10,000 Scene+ points annual bonus offer will begin on January 15, 2026 (your next anniversary date) and a new period will start again on January 15 each year thereafter. You will earn 2,000 bonus Scene+ points for each additional $10,000 in purchases made during the same year once you have reached the $40,000 annual purchase threshold.

Eligible purchases means purchases, less refunds, returns and any other similar credits, and excludes payments, cash advances (including balance transfers and quasi-cash transactions), interest charges, as well as card fees and other fees.

Fulfillment of the annual points bonus: Bonus points will be credited within approximately eight weeks after you become eligible for a bonus, provided the account is open and in good standing. In the case of a joint account with a primary borrower and a co-borrower, bonus points will be credited as follows: (i) the 25,000 bonus points and the annual points bonus will be credited to the Scene+ account linked to the account of the borrower who made the transaction that reached the eligible purchase threshold ($2,000, or $40,000) within the appropriate timeframe (the first three months, or the first 12 months). If an additional cardholder makes the transaction that reaches the eligible purchase threshold for the 25,000 bonus points, or the annual points bonus, the bonus points will be credited to the Scene+ account linked to the primary borrower’s account. It is possible to transfer points between the Scene+ accounts of a primary borrower, a co-borrower or an additional cardholder by contacting Scene+. An account is in good standing if it is not past due, there is no over-limit, and the cardholder(s) have complied with the terms of the Revolving Credit Agreement that applies to the account. All other program conditions continue to apply during the offer period.

Offer eligibility and exclusions: You cannot take advantage of the offer if you are currently a primary or secondary cardholder of a Scotiabank personal credit card or have been one in the past two years, including if you transfer your balance from an existing Scotiabank personal credit card account, and if you are a Scotiabank employee. Subject to the exclusions mentioned above, small business credit cardholders are eligible for this offer.

Rates and fees: The annual fees are $150 for the primary card, $0 for the first additional card and $50 for each additional card thereafter (including those issued to joint account holders and additional cardholders). The preferred annual interest rates applicable to the account are as follows: 20.99% on purchases and 22.99% on cash advances (including balance transfers and quasi-cash transactions). The rates, fees, and features and benefits, which are described in the disclosure statement accompanying the application, may be changed.

Savings at Shell

Get up to 7 cents per litre in instant fuel discounts for a limited time and earn up to 3 cents per litre in Scene+ points value with an eligible Scotiabank Passport Visa Infinite + card linked to a Shell Go+ Account:

Instant 3 cents per Litre Discount on Fuel Purchases (All Grades): Receive an instant 3 cents per litre discount on purchases of fuel (all grades) (“Fuel Purchases (All Grades)”) at participating Shell locations in Canada when you use any eligible Scotiabank debit card or credit card linked to a Shell Go+ Account, up to a maximum of 1,000 litres per month per Scotiabank debit card and per Scotiabank credit card account. This total limit resets at the start of each new month per payment card account. This discount is subject to the Scotiabank Fuel Benefit Terms and Conditions.
Instant 4 cents per Litre Discount on Premium Fuel: Between May 26, 2026 and June 1, 2027 (“Promotional Period”), receive an instant 4 cents per litre discount on purchases of V-Power^® gasoline, or V-Power^® diesel (“Premium Fuel Purchases”) at participating Shell locations in Canada when you use any eligible Scotiabank credit card that earns Scene+ points linked to a Shell Go+ Account, up to a maximum of 1,000 litres per month per credit card account. This total limit resets at the start of each new month per credit card account. This promotional offer, including the Promotional Period, may be changed, extended, or withdrawn at any time without notice. These promotional offer terms are in addition to the Scotiabank Fuel Benefit Terms and Conditions.
Earn up to 3 cents per Litre in Scene+ points Value (Equivalent) on Fuel Purchases: Each time you use your linked Scotiabank credit card that earns Scene+ points on Fuel Purchases (All Grades) at participating Shell locations in Canada, you will earn at least 1 Scene+ point per $1 spent. Plus, as a Scene+ Member you will also automatically earn 1 Scene+ point for each litre in Fuel Purchases (All Grades), and as a Shell Go+ member, automatically earn 1 additional Scene+ point for each litre in Premium Fuel Purchases, made with your linked Scotiabank credit card. This means that for every litre in fuel purchased with your linked credit card, you can earn the equivalent of up to 3 cents of redeemable Scene+ points value based on a redemption value of $10 for every 1,000 Scene+ points redeemed for fuel purchases at participating Shell locations. Actual value may be lower depending on how you choose to redeem your Scene+ points. Earn and redemption limits may apply. See the Scene+ Program Terms and Conditions available at sceneplus.ca/terms-and-conditions for full details including redemption options and additional terms.

Note: Highest value of 10 cents per litre assumes a Premium Fuel Purchase made with a Scotiabank Passport Visa Infinite + Card linked to a Shell Go+ Account. Actual value will vary depending on payment card used and whether or not the card is linked, fuel grade purchased, and how you choose to redeem your Scene+ points.

Additional 3¢/L at Shell (limited time)

To receive the additional fuel discount, customers must pay with their linked Eligible Card at the time of purchase.

The additional fuel discount is non-transferable, is not redeemable for cash, and cannot be substituted or exchanged.

Participation in the Shell Fuel Benefits Program is subject to the applicable program terms and conditions available at Scotiabank Fuel Benefit Terms and Conditions.

Shell Canada reserves the right to make changes to this offer and to terminate the offer at any time, for any reason and without notice.

All other applicable terms and conditions of the Shell Fuel Benefits Program, Shell Go+ and Scotiabank continue to apply.