Loyalty Program: Scene+

* 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 November 4, 2025:

$400 in travel rewards (40,000 bonus Scene+ points) for new Scotiabank Passport Visa Infinite +* cardholders who charge $2,000 in purchases to their account within the first three months;

$100 in travel rewards (10,000 bonus Scene+ points) for new Scotiabank Passport Visa Infinite +* cardholders who charge $10,000 in purchases to their account within the first six months;

$100 in travel rewards (10,000 bonus Scene+ points) for cardholders who charge at least $40,000 in purchases to their account per year (12-month period: annual bonus points);

$50 in savings through the waiver of the annual fee for the first additional Scotiabank Passport Visa Infinite +* card;

$134 in savings on foreign currency transaction fees based on the average amount of foreign currency purchases made per account over the past 24 months (by saving on the 2.5% foreign currency transaction fees typically charged by other credit card issuers);

$369 representing the potential value of points earned in the first year (36,900 bonus Scene+ points) based on the average amount of purchases made per 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;

$364 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 $364 CAD/$259 USD). Based on the exchange rate in effect on November 3, 2025.

Maximum potential value after the first year = $1,517 (rounded to $1,500)

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 Passport Visa Infinite credit card accounts (the « accounts ») opened between January 2, 2026 and August 3, 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 account over the course of one year. Conditions apply; see below for more details.

Description and conditions of the 50,000 bonus Scene+ points offer: To be eligible for the 40,000 bonus Scene+ points offer (« 40,000 bonus points »), you must charge eligible purchases totaling at least $2,000 to your account within the first three months following the account opening date. To be eligible for the additional 10,000 bonus Scene+ points (the « additional 10,000 bonus points »), you must charge $10,000 in eligible purchases to your new account within the first six months following the account opening date. 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, and card and other fees.

Conditions relating to the annual bonus of 10,000 Scene+ points: As a Scotiabank Passport Visa Infinite cardholder, you can earn an annual bonus of at least 10,000 Scene+ points (the « annual bonus points ») 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 begins every twelve months thereafter. If you replace another Scene+ eligible credit card with the 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 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 annual bonus of 10,000 Scene+ points offer will begin on January 15, 2026 (your next anniversary date) and a new period will begin 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, and card and other fees.

Fulfillment of the annual 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 40,000 bonus points, the additional 10,000 bonus points, and the annual 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, $10,000, or $40,000) within the appropriate timeframe (the first three months, the first six months, or the first 12 months). If an additional cardholder makes the transaction that reaches the eligible purchase threshold for the 40,000 bonus points, the additional 10,000 bonus points, or the annual bonus points, 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.