Up to a $1,000 bonus with Scotiabank banking packages

Q: Where can I find Scotiabank abroad?

Scotiabank is a founding member of the Global ATM Alliance . When you travel, you can use the ATMs of the Alliance’s international banks without paying a surcharge or access fee. With over 44,000 branches in more than 40 countries, you’ll find a partner bank branch wherever you are, and save on fees.

Scotiabank

Published March 1, 2026Updated November 7, 20266 min read

Scotiabank offers five banking packages :

Bank account comparison
Bank account	Monthly fee	Offer and rates
Compare Scotiabank Ultimate Package Apply Now	Monthly feeMonthly fee waived with a minimum daily closing balance of $6,000$30.95Monthly fee waived with a minimum daily closing balance of $6,000	Offer and ratesEarn a $700 bonus with an eligible chequing account and up to $300 more when you add an eligible registered account and credit card, subject to Scotiabank’s terms. Unlimited transactions, Interac e-transfer transactions and Scotia International Money Transfers† Unlimited free Global non-Scotiabank ABM withdrawals Annual fee rebate each year on select credit cards (up to $150) Earn points on everyday purchases with the Scene+TM program 8 more premium perks Up to $1,000 in bundled bonusesEarn a $700 bonus with an eligible chequing account and up to $300 more when you add an eligible registered account and credit card, subject to Scotiabank’s terms. Unlimited transactions, Interac e-transfer transactions and Scotia International Money Transfers† Unlimited free Global non-Scotiabank ABM withdrawals Annual fee rebate each year on select credit cards (up to $150) Earn points on everyday purchases with the Scene+TM program 8 more premium perks Ends Mar 4, 2027	Apply Now
Compare Scotiabank Preferred Package for Students and Youth Apply Now	Monthly feeNo monthly account fee if you are under 25 years old or a full-time student$0No monthly account fee if you are under 25 years old or a full-time student	Offer and ratesEarn up to a $175 welcome bonus when you open a new Preferred Package for Students and Youth* Unlimited debit and Interac e-Transfer transactions* Earn points on everyday purchases with the Scene+TM program Free trades for students and youth with Scotia iTRADETM No monthly account fees, you are eligible for the Scotiabank Preferred Package for Students and Youth (chequing account) if you are under 25 years old or if you are enrolled full-time at a university, community college, or another recognized post-secondary institution in Canada or the United States. You will need to confirm your student status by providing proof of enrollment. Up to $400 in value with the Scene+ Student Banking Bundle, including a $175 welcome bonusEarn up to a $175 welcome bonus when you open a new Preferred Package for Students and Youth* Unlimited debit and Interac e-Transfer transactions* Earn points on everyday purchases with the Scene+TM program Free trades for students and youth with Scotia iTRADETM No monthly account fees, you are eligible for the Scotiabank Preferred Package for Students and Youth (chequing account) if you are under 25 years old or if you are enrolled full-time at a university, community college, or another recognized post-secondary institution in Canada or the United States. You will need to confirm your student status by providing proof of enrollment. Ends Feb 28, 2027	Apply Now
Compare Scotiabank Preferred Package Apply Now	Monthly feeMonthly fee waived with a minimum daily closing balance of $4,000$16.95Monthly fee waived with a minimum daily closing balance of $4,000	Offer and ratesEarn a $700 bonus with an eligible chequing account and up to $300 more when you add an eligible registered account and credit card, subject to Scotiabank’s terms. Unlimited debit transactions and Interac e-transfer transactions $40 annual fee rebate on one eligible credit card, from an eligible anniversary date, subject to at least $15,000 in qualifying purchases in the preceding 12 statement periods and both accounts remaining open and in good standing Earn points on every day purchases with the Scene+™ program 4 more perks Rates, fees and other information are effective as of October 30, 2026. Subject to change. Up to $1,000 in bundled bonusesEarn a $700 bonus with an eligible chequing account and up to $300 more when you add an eligible registered account and credit card, subject to Scotiabank’s terms. Unlimited debit transactions and Interac e-transfer transactions $40 annual fee rebate on one eligible credit card, from an eligible anniversary date, subject to at least $15,000 in qualifying purchases in the preceding 12 statement periods and both accounts remaining open and in good standing Earn points on every day purchases with the Scene+™ program 4 more perks Rates, fees and other information are effective as of October 30, 2026. Subject to change. Ends Mar 4, 2027	Apply Now
Compare Scotiabank Basic Bank Account Apply Now	Monthly fee$3.95	Offer and rates —	Apply Now
Compare Scotiabank Basic Plus Bank Account Apply Now	Monthly feeMonthly fee waived with a minimum daily closing balance of $3,000$11.95Monthly fee waived with a minimum daily closing balance of $3,000	Offer and rates —	Apply Now

Scotiabank offers 5 savings accounts:

Bank account comparison
Bank account	Monthly fee	Offer and rates
Compare Scotiabank Savings Accelerator Account Apply Now	Monthly fee$0	Offer and ratesCompetitive interest rate No monthly fees Free unlimited transfers between your Scotiabank accounts Available for registered and non-registered plans Free quarterly personal portfolio statements 0.1% Regular rate	Apply Now
Compare Scotiabank Money Master Savings Account Apply Now	Monthly fee$0	Offer and ratesUnlimited free transfers to your other Scotia Bank accounts No monthly account fees Easy, convenient access to your funds at all times Cumulative interest on every dollar saved Simplified savings with the ‘Deposit the Change’ program or automatic contributions Free InfoAlerts by e-mail, text message or application notification Online and mobile banking 0.01% Regular rate	Apply Now
Compare Scotia Euro Savings Account Apply Now	Monthly feeWaived with EUR 200EUR 1Waived with EUR 200	Offer and rates —	Apply Now
Compare Scotia U.S. Dollar Daily Interest Account Apply Now	Monthly feeWaived with USD 200USD 1Waived with USD 200	Offer and rates —	Apply Now

At the end of the article, you will find a list of the features of all these packages and savings accounts.

The package that interests us most as travellers, and that has been recommended by several members of the Facebook group, is the Scotiabank Ultimate Package. In addition, for a limited time, it offers a welcome bonus of up to $1,000!

This package helps you avoid paying certain fees, such as a credit card annual fee or foreign ATM withdrawal fees.

Scotiabank Ultimate Package Review

Up to a $1,000 bonus with Scotiabank banking packages - Scotia Ultimate Package

The Scotiabank Ultimate Package is a single package for:

Spending
Saving
Investing

Special offer

Scotiabank Ultimate Package

ScotiabankCAD

Monthly fee: $30.95/mo; Monthly fee waived with a minimum daily closing balance of $6,000
Included transactions: Unlimited; Unlimited Interac included
Account highlights: Up to $1,000 in bundled bonuses; Ends Mar 4, 2027

Monthly fee: $30.95/mo
Fee waiver: Monthly fee waived with a minimum daily closing balance of $6,000
Included transactions: Unlimited
Interac e-Transfers: Unlimited Interac included
ATM — bank network: $0
Insufficient funds: $10
E-statement: Included

Credit card rebate: $150

From October 30, 2026 to March 4, 2027, open a new eligible Ultimate or Preferred Package. You can earn $700 for the chequing account and up to $1,000 in total if you also qualify for both additional bonuses.

For the $700 bonus, receive an eligible recurring direct deposit within 60 days of opening the account and keep it going for at least four consecutive months. Within the same 60 days, also complete one of these activities:

Make an eligible recurring pre-authorized debit of at least $50 and repeat it monthly for at least four consecutive months.
Make an eligible online bill payment of at least $50.
Make five eligible Visa Debit purchases online or in stores outside Canada.

If you qualify for the $700 bonus, you can earn another $200 by opening a new eligible RRSP, TFSA or FHSA within 60 days of opening the chequing account. You can earn another $100 if you apply and are approved for a new eligible credit card as the primary cardholder within the same period and make a qualifying purchase within 60 days of opening the card account.

Exclusions apply, including if you hold or have held a Scotiabank chequing account in the past two years. See Scotiabank’s full offer terms.

Scotiabank’s Ultimate Package includes a number of attractive benefits:

Waiver of annual fees (up to $150) on certain credit cards such as the Scotiabank Passport Visa Infinite +* Card or Scotia Momentum Visa Infinite.
Unlimited free Global non-Scotiabank ABM withdrawals
Unlimited debit transactions
Unlimited free international money transfer transactions
Unlimited Interac e-Transfer transactions
No monthly Overdraft Protection fee
Free personalized cheques and drafts
Get Scene+ points
No monthly account fee on a Scotia U.S. Dollar Daily Interest Account
$80 annual rebate on the rental of a small safe deposit box

Account highlights

Up to $1,000 in bundled bonuses

Ends Mar 4, 2027

Account details & conditions

Earn a $700 bonus with an eligible chequing account and up to $300 more when you add an eligible registered account and credit card, subject to Scotiabank’s terms.
Unlimited transactions, Interac e-transfer transactions and Scotia International Money Transfers^†
Unlimited free Global non-Scotiabank ABM withdrawals
Annual fee rebate each year on select credit cards (up to $150)
Earn points on everyday purchases with the Scene+^TM program
8 more premium perks

Read the full offer

A free credit card from year to year

As a Scotiabank Ultimate Package holder, you could keep your credit card year after year without paying an annual fee!

Such as the excellent Scotiabank Passport Visa Infinite +* Card, which has the advantage of:

Charging no foreign transaction fees
Offering 6 free annual airport lounge passes
Participating in the Scene+ loyalty program, which allows you to apply your points to travel purchases such as an Airbnb rental, a car rental, or even a plane ticket

Here is the current promotional offer:

Compare

Scotiabank Passport^® Visa Infinite +* Card

Scotiabank Scene+

Annual fee: $150
Our valuationMilesopedia first-year estimate First-year valueWelcome bonus$450Total$450Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.: $450
Welcome offerAfter $10,000 in 6 months: Up to 45,000 points; Ends Jan 3, 2027

With this welcome offer for the Scotiabank Passport^® Visa Infinite^+* Card, available until January 3, 2027, you can earn up to 35,000 welcome bonus Scene+ points:

15,000 Scene+ points after charging $3,000 in purchases to your account within the first three months
An additional 20,000 Scene+ points after charging $10,000 in purchases to your account within the first six months

Plus, every year, earn an annual bonus of at least 10,000 Scene+ points when you charge at least $40,000 in purchases to your account. In total, the offer represents up to 45,000 Scene+ points and a value of up to $1,350 in the first year, including rewards, savings on foreign transaction fees and airport lounge access.

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.

These points can be redeemed against any travel purchase at a rate of 1,000 points = $10 (flights, hotels, all-inclusives and even Airbnb), or as cash back with Scene+ at the same rate.

It also includes a new convenient benefit for travellers: enjoy 10 GB of free GigSky global mobile data for 15 days, as well as access to Travel Essentials to use essential apps like messaging, maps, and email while on the go. Cardholders also continue to receive 1 GB of free GigSky mobile data per year, plus a 20% discount on future GigSky purchases.

The Scotiabank Passport Visa Infinite +* Card also offers:

No fees for foreign currency transactions
6 complimentary airport VIP lounge passes
Excellent insurance for your travels and purchases
Visa Infinite* Concierge Services

Legal

* Savings and reward potential in first 12 months includes welcome offer value, estimated first year point earn potential, estimated foreign transaction fee savings and airport lounge savings as of Sep 10, 2026:

$150 in travel rewards (15,000 bonus Scene+ points) for new Scotiabank Passport Visa Infinite + Card clients who spend $3,000 within the first 3 months;

$200 in travel rewards (20,000 bonus Scene+ points) for new Scotiabank Passport Visa Infinite + Card clients who spend $10,000 within the first 6 months;

$100 in travel rewards (10,000 bonus Scene+ points) when you spend $40,000 annually on your Account each year (12-months: annual points bonus);

$50 supplementary card annual fee waiver on the first supplementary card for new Scotiabank Passport Visa Infinite + Card clients;

$130 in foreign transaction fee savings based on average annual foreign spend per account over the last 24 months (save the 2.5% foreign transaction fee markup typically charged by other card issuers);

$363 in first year point earn potential (36,300 Scene+ points) on everyday purchases based on average annual spend per account over the last 24 months with an average spend of 21% in 3X and 2X accelerator categories combined;

$358 value with a complimentary Visa Airport Companion Program Membership that includes 6 lounge passes (based on a ‘Preferential’ membership valued at approx. CAD$358/USD$259). Currency conversion as of Sep 10, 2026.

Potential First Year Value = up to $1,351 (rounded down to $1,350)

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

1 Offer Description and Conditions: The 35,000 Bonus Scene+ Points Offer (the “Offer”) applies only to new Scotiabank Passport Visa Infinite + credit card accounts (“Accounts”) that are opened between November 2, 2026, and January 3, 2027 (regardless of the date you apply for the Account) with minimum spend, subject to the conditions below. Offer may be changed, cancelled or extended at any time without notice and cannot be combined with any other offers.

Plus, as a Scotiabank Passport Visa Infinite + credit cardholder you are always eligible to earn an annual 10,000 Scene+ point bonus with minimum annual eligible purchases, subject to the conditions below.

35,000 Bonus Scene+ Point Offer Conditions: To qualify for 15,000 bonus Scene+ points (the “15,000 Point Bonus”), you must have at least $3,000 in eligible purchases posted to your new Account within the first 3 months of the Account open date. To qualify for an additional 20,000 bonus Scene+ points (the “20,000 Point Bonus”), you must have at least $10,000 in eligible purchases posted to your new Account in the first 6 months of the Account open date. Eligible purchases include purchases (less any refunds, returns or other similar credits) but do not include payments, cash advances (including balance transfers or cash-like transactions), interest, fees or other charges.

10,000 Annual Bonus Scene+ Point Conditions: As a Scotiabank Passport Visa Infinite + credit cardholder you can earn an annual Scene+ point bonus starting at 10,000 Scene+ points (the “Annual Point Bonus”) when you make at least $40,000 in eligible purchases annually on your Account each year (12-months). Annual period starts from the Account open date and resets every 12 months thereafter. If you switch from another Scene+ eligible Credit Card to the Scotiabank Passport Visa Infinite + Card (vs. it being opened as a new or additional Card), your original Account open date will carry over to your new Scotiabank Passport Visa Infinite + Card and your annual period for this benefit will begin on the next anniversary of your original Account open date. For example: If you originally opened a Scotiabank^®* Gold American Express^® Card on January 15, 2022, and switch that Card to the Scotiabank Passport^® Visa Infinite +* Card on July 15, 2025 – your annual period for the 10,000 annual Scene+ point benefit will begin on January 15, 2026 (your next Anniversary) and will reset annually on January 15th afterwards. You can also earn 2,000 bonus Scene+ points for every additional $10,000 in eligible purchases thereafter in that same year, after the $40,000 annual spend has been reached.

Point Bonus Fulfillment: The applicable point Bonus(es) will be credited 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 15,000 Point Bonus, the 20,000 Point Bonus, and the Annual 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., $3,000, $10,000, or $40,000) in the appropriate time frame (i.e., first 3 months, first 6 months, or first 12 months). If a supplementary cardholder completes the last qualifying transaction to meet the qualifying amount of eligible purchases for the 15,000 Point Bonus, the 20,000 Point Bonus or the Annual 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.

Rates and Fees: The current annual fee is $150 for the primary card, $0 for the first additional card and $50 for each additional card thereafter (including those issued to co-borrowers and supplementary cardholders). The current preferred annual interest rates for this Account are: 20.99% on purchases and 22.99% on cash advances (including balance transfers and cash-like transactions). All rates, fees, features and benefits are outlined in the Application Disclosure Statement and are subject to change.

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)

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$150

Additional card$0

Annual income required

Individual$60,000

Household$100,000

Conversion fees

Earning rate

3xWith the partner brand
2xGroceries
2xRestaurants
2xTransit
2xEntertainment
1xAll spending

Value

1st Year Value$704

2nd Year Value$397

Card benefits

Concierge service24/7

Airport lounge access$240

Travel insurance

Travel medical (under 55)Up to $2,000,000 / 25 days

Travel medical (55-64)Up to $2,000,000 / 25 days

Travel medical (65+)Up to $2,000,000 / 3 days

Trip CancellationUp to $1,500

Trip InterruptionUp to $2,500

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

Auto Rental CollisionUp to $65,000 / 48 days

Or the Scotia Momentum Visa Infinite +* Card, which is one of the best cash back credit cards in Canada:

4% on groceries and recurring payments
2% on gas and public transit
1% on all other purchases
Visa Infinite Concierge
Premium Insurance

Here is the current promotional offer:

Compare

Scotia Momentum^® Visa Infinite +* Card

Scotiabank Cash BackFirst-Year Annual Fee Rebate

Annual feeNo annual fee the first year: $0 $120
Our valuationMilesopedia first-year estimate First-year valueWelcome bonus$200Annual fee rebated$120Total$320Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.: $320
Welcome offerAfter $2,000 in 3 months: Up to $200 Cash Back; Ends Apr 30, 2027

The Scotia Momentum^® Visa Infinite+* Card is recognized, year after year, as one of the best cash back credit cards in Canada. Milesopedia has even named it best cash back credit card in 2026.

Currently, thanks to this promotional offer available until April 30, 2027, the Scotia Momentum Visa Infinite+ Card has no annual fee for the first year, including on additional cards. And you can get 10% cash back on all your purchases for the first three months (up to $2,000 in total purchases, that’s up to $200 in cash back).

With the Scotia Momentum^® Visa Infinite+ Card, you get:

4% cash back on grocery purchases and recurring payments
2% cash back on gas purchases, public transit, carpooling, and food delivery
1% cash back on all other purchases

For example, if you spend $1,000 per month on grocery purchases and/or recurring payments, you will get $40 cash back per month, or $480 per year, with this card, for this purchase category. And that’s not counting the other purchases you make with this card and the benefits it offers (including its excellent insurance coverage).

Also note that you can use your cash back at any time (the cash back balance must be at least $25).

Legal

1 Offer Description and Conditions: The 10% Cash Back, Introductory 0% Balance Transfer Rate and First Year Annual Fee Waiver Offer (the “Offer”) applies only to new Scotia Momentum Visa Infinite + credit card accounts (“Accounts”) that are opened, and any additional Account cards issued, between November 2, 2026 and April 30, 2027 (regardless of the date you apply for the Account) subject to the conditions below. Offer may be changed, cancelled or extended at any time without notice and cannot be combined with any other offers.

10% Cash Back Offer Conditions: You will earn 10% cash back on the first $2,000 in eligible purchases you spend on your new Account within the first 3 months of the Account open date (the “Promotional Period”). Eligible purchases include purchases (less any refunds, returns or other similar credits) but do not include payments, cash advances (including balance transfers and cash-like transactions), interest, fees or other charges. After the Promotional Period, you will earn regular cash back on eligible purchases at the regular cash back rate (the “Regular Cash Back Program Rate”) as described in the Scotia Momentum Visa Infinite + Cash Back Program Terms and Conditions (the “Program Terms”). The 10% cash back rate for any category is made up of the sum of: (i) the Regular Cash Back Program Rate (variable by category as set out under the Program Terms); and (ii) a bonus rate that will vary depending on the Regular Cash Back Program Rate (the “Cash Back Bonus Rate”).

Cash back earned under this Offer can be redeemed to your Account provided it is open and in good standing at the time of redemption:

Bonus Cash Back: The amount earned under the Cash Back Bonus Rate will be available for redemption to your Account after approximately 5 months from the Account open date or otherwise in accordance with the Program Terms.

Regular Cash Back: The amount earned under your Regular Cash Back Program Rate can be redeemed to your Account as described in the Program Terms.

EXAMPLE: If the Regular Cash Back Program Rate for the Groceries and Recurring Payments category is 4% then the Cash Back Bonus Rate will be 6% for that category so that you will earn a total of 10% on the amount of all eligible everyday purchases in that category during the Promotional Period up to a total of $2,000 in purchases. If you make $2,000 in eligible everyday purchases in the Groceries and Recurring Payments category, your cash back earnings will be as follows:

(1) the Cash Back Bonus Rate earnings of $120 (6% x $2,000) (shown as an adjustment in your monthly statements), and (2) the Regular Cash Back Program Rate earnings of $80 (4% x $2,000) (shown in your monthly statements).

All other terms and conditions of the Program Terms continue to apply during and after the Promotional Period.

Introductory 0% Balance Transfer Rate Offer Conditions: The Introductory 0% Balance Transfer Rate Offer (the “Rate Offer”) applies only to eligible cash advances (including balance transfers and cash-like transactions) (collectively “Cash Advances”) subject to the conditions below. This introductory rate applies for 12 months from date of Account opening (the “BT Rate Promotional Period”). After the BT Rate Promotional Period, the promotional 0% interest rate on any Cash Advances (including any amount of those Cash Advances that remain unpaid after the BT Rate Promotional Period ends) will increase to the preferred interest rate on Cash Advances (currently 22.99%). A balance transfer fee of 2% of the amount of each Cash Advance transferred or made during the BT Rate Promotional Period applies (minimum fee of $5.00).

This Rate Offer is subject to any Cash Advance limits on your Account. This Rate Offer is also subject to the approved credit limit that is being offered to you as of the date of this Rate Offer. This means if a balance transfer amount(s) requested exceeds your approved credit limit as of the date this Rate Offer was provided to you, it may not be processed. This Rate Offer cannot be used for any Scotiabank account including to transfer a balance from another Scotiabank account, or to make a payment or deposit to another Scotiabank account.

Losing your promotional rate: If we don’t receive the minimum payment on your Account by the payment due date on your statement, two consecutive times, you will lose the benefit of this promotional Rate Offer and the interest rates that apply on any unpaid balance will increase to the standard annual interest rates that apply to your Account (currently 25.99% on purchases and 27.99% on Cash Advances).

How we apply payments: For Quebec residents: In general, if you have different interest rate(s) that apply to your Account, we apply payments to transactions based on the interest rate(s) that applies to those transactions on your Account (from highest to lowest rates). For non-Quebec residents: In general, if you make a payment that exceeds the minimum payment on your statement, we will apply your payment on a proportionate basis among each group of billed charges on your Account. We group charges based on the interest rate that applies to the group of charges. Your payment cannot be applied to the balance(s) of your choice. See your credit card agreement for more information about how we apply payments to your Account.

Annual Fee Waiver Offer Conditions: We will waive the annual fee for the primary card and each additional card issued between November 2, 2026, and April 30, 2027, 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. By accepting this Offer you confirm you meet all Offer eligibility requirements. We reserve the right to revoke this Offer at any time if we determine you do not meet the Offer eligibility requirements, including after you have accepted the Offer or been approved for the Account.

Rates and Fees: The current annual fee is $120 for the primary card and $50 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. All rates, fees, features and benefits are outlined in the Application Disclosure Statement and are subject to change.

Savings at Shell

Cardholders with a Scene+ membership who link their Scotia Momentum^® Visa Infinite +* Card and their Scene+ account to a Shell Go+ Account can get up to 7 cents per litre in instant fuel discounts, cash back, and Scene+ points value when they purchase eligible fuel with their linked credit card:

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.
Earn 2 cents per Litre in cash back: When you use your Scotia Momentum^® Visa Infinite +* Card on Fuel Purchases (All Grades) you will earn 2% cash back on eligible Net Purchases (up to an annual spend limit of $25,000) at Gas Stations (Merchant Category Codes (“MCC”): 5541, 5542). Assumes an average fuel price of at least $1.00/L. “Net Purchases” means eligible new purchases charged and posted on the Account during a statement period less, returns (including credit vouchers), refunds or other credits. Balance Transfers, Cash Advances, Cash-Like Transactions, interest charges, fees, and insurance premiums posted to your Credit Card Account are not eligible to earn cash back. This benefit is subject to the Scotia Momentum^® Visa Infinite +* Card cash back Program Terms and Conditions.
Scene+ Members earn up to 2 cents per Litre in Scene+ points Value: Scene+ Members earn 1 Scene+ point for each litre in Fuel Purchases (All Grades) when they present or make available their Scene+ account number or Scene+ membership card at the time of purchase. Plus, Scene+ Members who link their Scene+ account to the Shell Go+ app will automatically earn 1 Scene+ point for each litre of V-Power^® gasoline or V-Power^® diesel purchased (“Premium Fuel Purchases”). Scene+ points value is based on an average redemption value of $10 for every 1000 Scene+ points redeemed on fuel purchases. 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 7 cents per litre assumes a Premium Fuel Purchase (minimum price of $1.00 per litre) made with your Scotia Momentum^® Visa Infinite +* Card linked to a Shell Go+ Account and with your Scene+ account also linked to the Shell Go+ account. Actual value will vary depending on whether or not the credit card is linked, fuel grade purchased, cost of fuel at time of purchase, whether or not you are a Scene+ member, 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.

Annual fee

Primary card$120

Additional card$50

Annual income required

Individual$60,000

Household$100,000

Conversion fees

2.5%

Earning rate

4xGroceries
4xBills & recurring payments
4xTelecom
2xGas
2xTransit
2xStreaming
1xAll spending

Value

1st Year Value$1,112

2nd Year Value$408

Card benefits

Concierge service24/7

Travel insurance

Travel medical (under 55)Up to $1,000,000 / 15 days

Travel medical (55-64)Up to $1,000,000 / 15 days

Trip CancellationUp to $1,500

Trip InterruptionUp to $2,000

Delayed BaggageUp to $500

Lost BaggageUp to $500

Flight DelayUp to $500

Travel AccidentUp to $500,000

Purchase protection

Purchase ProtectionIncluded

Extended Warranty+1 years

Mobile DeviceUp to $1,000 / 1 years

Auto Rental CollisionUp to $65,000 / 48 days

Or the Scotiabank Gold American Express^® Card, which earns plenty of travel points:

5X points on food: grocery stores, restaurants, bars, meal delivery
5X points on entertainment purchases (movies, theatre, ticketing)
3X points on travel: gas and public transit
3X points on streaming services (Netflix, Spotify…)
1X points on all other purchases
Premium Insurance
Access to American Express Offers

Here is the current promotional offer:

Compare

Scotiabank Gold American Express^® Card

Scotiabank Scene+

Annual fee: $120
Our valuationMilesopedia first-year estimate First-year valueWelcome bonus$650Total$650Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.: $650
Welcome offerAfter $7,500 in 12 months: Up to 65,000 points; Ends Jan 3, 2027

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

Until January 3, 2027, you can earn up to 65,000 bonus Scene+ points, broken down as follows:

40,000 Scene+ points by charging $2,000 in purchases to the card within the first 3 months
25,000 Scene+ points by making $7,500 in purchases on the card in the first year

This represents a value of up to $650 for travel (including Airbnb), and up to $1,100 in first-year value including the points you earn and foreign transaction fee savings.

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! 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.

Legal

* Savings and point earn potential in first 12 months includes welcome offer value, first year point earn potential and foreign transaction fee savings as of Sept 10, 2026:

$400 in travel points (40,000 bonus Scene+ points) for new Scotiabank Gold American Express Card clients who spend $2,000 within the first 3 months

$250 in travel points (25,000 bonus Scene+ points) when you spend $7,500 within the first 12 months

$58 in foreign transaction fee savings based on average annual foreign spend per active account over the last 24 months (don't pay the 2.5% foreign transaction fee markup typically charged by other card issuers);

$397 in first year point earn potential (39,700 Scene+ points) on everyday purchases based on average annual spend per active account over the last 24 months with an average spend of 28% in 6X, 5X and 3X accelerator categories combined.

Potential First Year Value = up to $1,105.56 (rounded down to $1,100)

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

1 Offer Description and Conditions: The 65,000 Bonus Scene+ Points Offer (the “Offer”) applies only to new Scotiabank Gold American Express credit card accounts (“Accounts”) opened between November 2, 2026, and January 3, 2027 (regardless of the date you apply for the Account) and is subject to the conditions below.

To be eligible for 40,000 bonus Scene+ points (the “40,000 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 25,000 bonus Scene+ points (the “25,000 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.

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 40,000 Point Bonus and 25,000 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 40,000 Point Bonus or the 25,000 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.

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: 21.99% 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.

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)

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.

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$1,610

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

Rewards

Scotiabank is one of the only institutions to offer rewards on transactions made with a DEBIT card linked to the chequing account of the Ultimate Package.

This makes it possible to earn 1 Scene+ point for every $5 spent with a Scotiabank debit card.

Fees

The Scotiabank Ultimate Package costs $30.95 per month.

However, it could be FREE ($0 per month) by maintaining a minimum daily closing balance of $6,000 in your Ultimate Package.

If you have $6,000 that is not invested, it would be worth leaving it in your Ultimate Package chequing account so you do not pay:

any monthly banking fees
any credit card annual fee

Scotiabank Ultimate Package

ScotiabankCAD

Monthly fee: $30.95/mo; Monthly fee waived with a minimum daily closing balance of $6,000
Included transactions: Unlimited; Unlimited Interac included
Account highlights: Up to $1,000 in bundled bonuses; Ends Mar 4, 2027

Monthly fee: $30.95/mo
Fee waiver: Monthly fee waived with a minimum daily closing balance of $6,000
Included transactions: Unlimited
Interac e-Transfers: Unlimited Interac included
ATM — bank network: $0
Insufficient funds: $10
E-statement: Included

Credit card rebate: $150

Make an eligible recurring pre-authorized debit of at least $50 and repeat it monthly for at least four consecutive months.
Make an eligible online bill payment of at least $50.
Make five eligible Visa Debit purchases online or in stores outside Canada.

Exclusions apply, including if you hold or have held a Scotiabank chequing account in the past two years. See Scotiabank’s full offer terms.

Scotiabank’s Ultimate Package includes a number of attractive benefits:

Waiver of annual fees (up to $150) on certain credit cards such as the Scotiabank Passport Visa Infinite +* Card or Scotia Momentum Visa Infinite.
Unlimited free Global non-Scotiabank ABM withdrawals
Unlimited debit transactions
Unlimited free international money transfer transactions
Unlimited Interac e-Transfer transactions
No monthly Overdraft Protection fee
Free personalized cheques and drafts
Get Scene+ points
No monthly account fee on a Scotia U.S. Dollar Daily Interest Account
$80 annual rebate on the rental of a small safe deposit box

Account highlights

Up to $1,000 in bundled bonuses

Ends Mar 4, 2027

Account details & conditions

Earn a $700 bonus with an eligible chequing account and up to $300 more when you add an eligible registered account and credit card, subject to Scotiabank’s terms.
Unlimited transactions, Interac e-transfer transactions and Scotia International Money Transfers^†
Unlimited free Global non-Scotiabank ABM withdrawals
Annual fee rebate each year on select credit cards (up to $150)
Earn points on everyday purchases with the Scene+^TM program
8 more premium perks

Read the full offer

Scotiabank Preferred Package

Up to a $1,000 bonus with Scotiabank banking packages - Scotia Preferred Package

Special offer

Fees

The Scotiabank Preferred Package costs $16.95 per month.

However, it could be FREE ($0 per month) by maintaining a minimum daily closing balance of $4,000 in your Preferred Package.

Scotiabank Preferred Package

ScotiabankCAD

Monthly fee: $16.95/mo; Monthly fee waived with a minimum daily closing balance of $4,000
Included transactions: Unlimited; Unlimited Interac included
Account highlights: Up to $1,000 in bundled bonuses; Ends Mar 4, 2027

Monthly fee: $16.95/mo
Fee waiver: Monthly fee waived with a minimum daily closing balance of $4,000
Included transactions: Unlimited
Interac e-Transfers: Unlimited Interac included
ATM — bank network: $0
Insufficient funds: $5
E-statement: Included

Credit card rebate: $40

Make an eligible recurring pre-authorized debit of at least $50 and repeat it monthly for at least four consecutive months.
Make an eligible online bill payment of at least $50.
Make five eligible Visa Debit purchases online or in stores outside Canada.

Exclusions apply, including if you hold or have held a Scotiabank chequing account in the past two years. See Scotiabank’s full offer terms.

The Scotiabank Preferred Package has the following main features:

Unlimited Interac Debit and e-Transfer transactions
$40 annual fee rebate on one eligible credit card, from an eligible anniversary date, subject to at least $15,000 in qualifying purchases in the preceding 12 statement periods and both accounts remaining open and in good standing
Preferred rates on select GICs
One free withdrawal per month at a non-Scotiabank ATM in Canada

Account highlights

Up to $1,000 in bundled bonuses

Ends Mar 4, 2027

Account details & conditions

Earn a $700 bonus with an eligible chequing account and up to $300 more when you add an eligible registered account and credit card, subject to Scotiabank’s terms.
Unlimited debit transactions and Interac e-transfer transactions
$40 annual fee rebate on one eligible credit card, from an eligible anniversary date, subject to at least $15,000 in qualifying purchases in the preceding 12 statement periods and both accounts remaining open and in good standing
Earn points on every day purchases with the Scene+^™ program
4 more perks

Rates, fees and other information are effective as of October 30, 2026. Subject to change.

Read the full offer

Scotiabank Preferred Package for Students and Youth

Special offer

Scotiabank Preferred Package for Students and Youth

ScotiabankCADStudents

Monthly fee: $0; No monthly account fee if you are under 25 years old or a full-time student
Included transactions: Unlimited; Unlimited Interac included
Account highlights: Up to $400 in value with the Scene+ Student Banking Bundle, including a $175 welcome bonus; Ends Feb 28, 2027

Monthly fee: $0
Fee waiver: No monthly account fee if you are under 25 years old or a full-time student
Included transactions: Unlimited
Interac e-Transfers: Unlimited Interac included
ATM — bank network: $0
E-statement: Included

Right now, when you open a new Scotiabank Preferred Package for Students and Youth, you can get a welcome bonus of up to $175!

With the Scene+ Student Banking Bundle (the package, an eligible credit card and a Money Master Savings Account), the total value can reach $400, including $175 in cash and up to 22,500 Scene+ points, with 10,000 bonus points when you bundle all three. Conditions apply. To get the $175 bonus, you must first open your account between November 2, 2026 and February 28, 2027. Then, you just need to complete 2 of the following 3 activities within 60 days of opening your account:

Set up at least 1 eligible recurring automatic direct deposit, which will recur monthly for a minimum of 3 consecutive months
Set up at least 1 eligible recurring pre-authorized transaction, which will recur monthly for a minimum of 3 consecutive months
Make at least 5 online Visa* Debit purchases with your Scotiabank® Card wherever Visa* Debit is accepted. Only the following types of Visa Debit transactions are eligible: online debit purchases and in-store purchases made outside Canada.

The Scotiabank Preferred Package for Students and Youth has the following key features:

Unlimited Interac Debit and e-Transfer transactions
Earn points on your everyday purchases with Scene+
Free Scotia iTRADE trades for students and youth
No monthly account fees if you are under 25 or if you are pursuing full-time studies at a post-secondary educational institution in Canada or the United States

Account highlights

Up to $400 in value with the Scene+ Student Banking Bundle, including a $175 welcome bonus

Ends Feb 28, 2027

Account details & conditions

Earn up to a $175 welcome bonus when you open a new Preferred Package for Students and Youth*
Unlimited debit and Interac e-Transfer transactions*
Earn points on everyday purchases with the Scene+^TM program
Free trades for students and youth with Scotia iTRADE^TM
No monthly account fees, you are eligible for the Scotiabank Preferred Package for Students and Youth (chequing account) if you are under 25 years old or if you are enrolled full-time at a university, community college, or another recognized post-secondary institution in Canada or the United States. You will need to confirm your student status by providing proof of enrollment.

Read the full offer

Scotiabank Basic Plus Bank Account

Up to a $1,000 bonus with Scotiabank banking packages - Scotia Basic Banking Plus Account

Scotiabank Basic Plus Bank Account

ScotiabankCAD

Monthly fee: $11.95/mo; Monthly fee waived with a minimum daily closing balance of $3,000
Included transactions: 25/mo; Unlimited Interac included

Monthly fee: $11.95/mo
Fee waiver: Monthly fee waived with a minimum daily closing balance of $3,000
Included transactions: 25/mo
Interac e-Transfers: Unlimited Interac included
ATM — bank network: $0
Insufficient funds: $10
E-statement: Included

The Scotiabank Basic Plus Bank Account has the following key features:

25 free debit transactions per month
Free Interac e-Transfer^† transactions
Send money worldwide for $1.99 with Scotiabank’s International Money Transfer service
Earn points on everyday purchases with the Scene+^™ program
Fuel up and save at Shell^°

Fees

The Scotiabank Basic Plus Bank Account has an $11.95 monthly fee.

However, it could be FREE ($0 per month) by maintaining a minimum daily closing balance of $3,000 in your Basic Banking Account Plus.

The Basic Bank Account

Up to a $1,000 bonus with Scotiabank banking packages - Scotia Base Package

Scotiabank Basic Bank Account

ScotiabankCAD

Monthly fee: $3.95/mo
Included transactions: 18/mo; 2 Interac/mo

Monthly fee: $3.95/mo
Included transactions: 18/mo
Interac e-Transfers: 2 Interac/mo
ATM — bank network: $0
Insufficient funds: $10
E-statement: Included

Discover Scotiabank Basic Bank Account with a monthly fee of $3.95 and 18 free transactions per month.

Take advantage of free Interac e-Transfers and overdraft protection.

Seniors receive an automatic discount on the monthly fee. Easy access to your online and mobile banking services.

Fees

The Scotiabank Basic Banking Account costs $3.95 per month.

Money Master Savings Account

Features

The Preferred Package Savings Account has the following key features:

Easy access to your funds at any time
No monthly account fees and no minimum balance required
With the Deposit the Change^® savings program, save every time you make a purchase with your debit card

Our review of Scotiabank Online

In Quebec and elsewhere in Canada, Scotiabank offers many online banking services to its clients. With a Scotiabank debit card, you can access Scotiabank online banking services at no cost.

Several online banking services are offered by Scotiabank:

View your Scotiabank chequing or savings accounts online
Manage your Scotiabank loans and mortgages online
Scotiabank mobile app for smartphones to manage your accounts anywhere
Send money from your Scotiabank online account with Interac
And more!

Scotiabank’s online banking offering is comprehensive, especially in Quebec, thanks to the presence of many Scotiabank branches, including Scotiabank Express locations. Scotiabank is therefore an excellent choice.

The Ultimate Package and the Scotiabank Passport Visa Infinite + Card: The Perfect Duo - Scotiabank Online

Online services offered by Scotiabank

As a Scotiabank online client, you can benefit from many advantages through Scotia OnLine:

24/7 access to Scotiabank online banking services
Online payments of your transactions and bills
Rewards on all your purchases with Scene+ points
Overdraft protection
Send money quickly to the person of your choice with an Interac e-Transfer
Receive government benefits into the Scotiabank account of your choice with CRA direct deposit
Deposit your cheques anywhere with the Scotiabank mobile app
Download a Scotiabank void cheque
In case of loss or theft, block, unblock, or replace your credit card in your Scotiabank online banking
More than 4,000 conveniently located branches and ATMs
Personalized advice for your finances

Also note that Scotiabank offers discounts and benefits for newcomers (Scotiabank StartRight program), students, and seniors.

Up to a $1,000 bonus with Scotiabank banking packages - Scotiabank Express

Frequently Asked Questions about Scotiabank Online

Where can I find Scotiabank abroad?

Scotiabank is a founding member of the Global ATM Alliance. When you travel, you can use the ATMs of the Alliance’s international banks without paying a surcharge or access fee. With over 44,000 branches in more than 40 countries, you’ll find a partner bank branch wherever you are, and save on fees.

How do I get my Scotiabank debit card?

Your Scotiabank debit card is provided when you open your chequing account. You can choose your personal identification number (PIN) on the spot, directly at the counter. If there is no ATM at your branch, a card and a PIN are mailed to you.

To change or replace your Scotia OnLine Card:

On the Account summary page, select Account management.
Click on Get a new Scotiabank Card.
Under ScotiaCard Type, use the drop-down menu to select a ScotiaCard with Visa Debit.

What should I do if my Scotiabank debit card has been lost or stolen?

If your Scotiabank debit card has been lost or stolen, contact Scotiabank online quickly:

1-800-575-2424
1-800-645-0288 (For services for the deaf and hearing-impaired)
416-701-7200 (Greater Toronto, outside Canada/US: call collect)

How do I pay a bill with Scotiabank online?

To pay a bill with Scotiabank online:

On the Online Account Summary page, select Bill Payment.
Choose a one-time payment or set up recurring payments.
Select the account you want to pay from, select the payee, and enter the payment amount.

Scotiabank mobile website:

On the app home page, tap Bills.
Touch Make a payment.
Select an account for the bill payment and a payee.
Enter the amount and click Continue.
Check the payment details, then touch Confirm.

How do I get a sample cheque from Scotiabank?

If you do not have cheques for your Scotiabank account, you can view or print your void cheque details online:

On the online Account Summary page, select your Scotiabank chequing account.
Choose Direct deposits and pre-authorized debits.
Select View/Print under Check specimen.

How do I contact Scotiabank online?

Here are some of the most frequently used phone numbers to contact Scotiabank online.

For any questions, to open an account, or to get help with your Scotiabank online banking services, borrowing, and investments, here are the numbers:

1-800-575-2424
1-800-645-0288 (TTY/ATS service)
1-416-701-7200 (Toronto area/collect calls from outside Canada/the United States)

TeleScotia^®
1-800-575-1212 (French service)
1-800-267-1234 (English service)
1-800-830-8800 (Cantonese service)
1-800-830-8080 (Mandarin service)

Mobile banking support line
1-877-918-8866

Scotia iTRADE
1-800-361-6601 (French service)
1-800-263-3430 (English service)
1-877-662-3838 (Cantonese and Mandarin service)

Scotia iTRADE
1-888-TRADE88 (1-888-872-3388)

Credit Card Customer Service
1-800-387-4994 (Canada/United States)
416-288-1440 (Greater Toronto Area/collect calls from outside Canada/the United States)
1-800-645-0288 (TTY calls from Canada/the United States)

Scotia Life
1-800-361-8570

Scotia Mutual Funds
1-800-387-5004

Scotiabank Student Loans Centre
1-800-972-6842
416-288-4655 (Toronto area)

What are Scotiabank credit cards?

Scotiabank offers many credit cards. See our dedicated page on the best Scotiabank credit card offers.

Our featured card

Compare

Scotiabank Passport^® Visa Infinite +* Card

Scotiabank Scene+

Annual fee: $150
Our valuationMilesopedia first-year estimate First-year valueWelcome bonus$450Total$450Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.: $450
Welcome offerAfter $10,000 in 6 months: Up to 45,000 points; Ends Jan 3, 2027

With this welcome offer for the Scotiabank Passport^® Visa Infinite^+* Card, available until January 3, 2027, you can earn up to 35,000 welcome bonus Scene+ points:

15,000 Scene+ points after charging $3,000 in purchases to your account within the first three months
An additional 20,000 Scene+ points after charging $10,000 in purchases to your account within the first six months

These points can be redeemed against any travel purchase at a rate of 1,000 points = $10 (flights, hotels, all-inclusives and even Airbnb), or as cash back with Scene+ at the same rate.

The Scotiabank Passport Visa Infinite +* Card also offers:

No fees for foreign currency transactions
6 complimentary airport VIP lounge passes
Excellent insurance for your travels and purchases
Visa Infinite* Concierge Services

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$150 in travel rewards (15,000 bonus Scene+ points) for new Scotiabank Passport Visa Infinite + Card clients who spend $3,000 within the first 3 months;

$200 in travel rewards (20,000 bonus Scene+ points) for new Scotiabank Passport Visa Infinite + Card clients who spend $10,000 within the first 6 months;

$100 in travel rewards (10,000 bonus Scene+ points) when you spend $40,000 annually on your Account each year (12-months: annual points bonus);

$50 supplementary card annual fee waiver on the first supplementary card for new Scotiabank Passport Visa Infinite + Card clients;

Potential First Year Value = up to $1,351 (rounded down to $1,350)

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

Savings at Shell

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.

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.

Annual fee

Primary card$150

Additional card$0

Annual income required

Individual$60,000

Household$100,000

Conversion fees

Earning rate

3xWith the partner brand
2xGroceries
2xRestaurants
2xTransit
2xEntertainment
1xAll spending

Value

1st Year Value$704

2nd Year Value$397

Card benefits

Concierge service24/7

Airport lounge access$240

Travel insurance

Travel medical (under 55)Up to $2,000,000 / 25 days

Travel medical (55-64)Up to $2,000,000 / 25 days

Travel medical (65+)Up to $2,000,000 / 3 days

Trip CancellationUp to $1,500

Trip InterruptionUp to $2,500

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

Auto Rental CollisionUp to $65,000 / 48 days

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Scotiabank Passport^® Visa Infinite +* Card

Scotiabank Scene+

Annual fee: $150
Our valuationMilesopedia first-year estimate First-year valueWelcome bonus$450Total$450Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.: $450
Welcome offerAfter $10,000 in 6 months: Up to 45,000 points; Ends Jan 3, 2027

With this welcome offer for the Scotiabank Passport^® Visa Infinite^+* Card, available until January 3, 2027, you can earn up to 35,000 welcome bonus Scene+ points:

15,000 Scene+ points after charging $3,000 in purchases to your account within the first three months
An additional 20,000 Scene+ points after charging $10,000 in purchases to your account within the first six months

These points can be redeemed against any travel purchase at a rate of 1,000 points = $10 (flights, hotels, all-inclusives and even Airbnb), or as cash back with Scene+ at the same rate.

The Scotiabank Passport Visa Infinite +* Card also offers:

No fees for foreign currency transactions
6 complimentary airport VIP lounge passes
Excellent insurance for your travels and purchases
Visa Infinite* Concierge Services

Legal

$150 in travel rewards (15,000 bonus Scene+ points) for new Scotiabank Passport Visa Infinite + Card clients who spend $3,000 within the first 3 months;

$200 in travel rewards (20,000 bonus Scene+ points) for new Scotiabank Passport Visa Infinite + Card clients who spend $10,000 within the first 6 months;

$100 in travel rewards (10,000 bonus Scene+ points) when you spend $40,000 annually on your Account each year (12-months: annual points bonus);

$50 supplementary card annual fee waiver on the first supplementary card for new Scotiabank Passport Visa Infinite + Card clients;

Potential First Year Value = up to $1,351 (rounded down to $1,350)

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

Savings at Shell

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.

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.

Annual fee

Primary card$150

Additional card$0

Annual income required

Individual$60,000

Household$100,000

Conversion fees

Earning rate

3xWith the partner brand
2xGroceries
2xRestaurants
2xTransit
2xEntertainment
1xAll spending

Value

1st Year Value$704

2nd Year Value$397

Card benefits

Concierge service24/7

Airport lounge access$240

Travel insurance

Travel medical (under 55)Up to $2,000,000 / 25 days

Travel medical (55-64)Up to $2,000,000 / 25 days

Travel medical (65+)Up to $2,000,000 / 3 days

Trip CancellationUp to $1,500

Trip InterruptionUp to $2,500

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

Auto Rental CollisionUp to $65,000 / 48 days

Our review of Scotiabank Online

In Quebec and elsewhere in Canada, Scotiabank offers many online banking services to its clients. With a Scotiabank debit card, you can access Scotiabank online banking services at no cost.

Several online banking services are offered by Scotiabank:

View your Scotiabank chequing or savings accounts online

Manage your Scotiabank loans and mortgages online

Scotiabank mobile app for smartphones to manage your accounts anywhere

Send money from your Scotiabank online account with Interac

And more!

Online services offered by Scotiabank

As a Scotiabank online client, you can benefit from many advantages through Scotia OnLine:

24/7 access to Scotiabank online banking services

Online payments of your transactions and bills

Rewards on all your purchases with Scene+ points

Overdraft protection

Send money quickly to the person of your choice with an Interac e-Transfer

Receive government benefits into the Scotiabank account of your choice with CRA direct deposit

Deposit your cheques anywhere with the Scotiabank mobile app

Download a Scotiabank void cheque

In case of loss or theft, block, unblock, or replace your credit card in your Scotiabank online banking

More than 4,000 conveniently located branches and ATMs

Personalized advice for your finances

Also note that Scotiabank offers discounts and benefits for newcomers (Scotiabank StartRight program), students, and seniors.

Frequently Asked Questions about Scotiabank Online

Where can I find Scotiabank abroad?

How do I get my Scotiabank debit card?

To change or replace your Scotia OnLine Card:

On the Account summary page, select Account management.
Click on Get a new Scotiabank Card.
Under ScotiaCard Type, use the drop-down menu to select a ScotiaCard with Visa Debit.

What should I do if my Scotiabank debit card has been lost or stolen?

If your Scotiabank debit card has been lost or stolen, contact Scotiabank online quickly:

1-800-575-2424
1-800-645-0288 (For services for the deaf and hearing-impaired)
416-701-7200 (Greater Toronto, outside Canada/US: call collect)

How do I pay a bill with Scotiabank online?

To pay a bill with Scotiabank online:

On the Online Account Summary page, select Bill Payment.
Choose a one-time payment or set up recurring payments.
Select the account you want to pay from, select the payee, and enter the payment amount.

Scotiabank mobile website:

On the app home page, tap Bills.
Touch Make a payment.
Select an account for the bill payment and a payee.
Enter the amount and click Continue.
Check the payment details, then touch Confirm.

How do I get a sample cheque from Scotiabank?

If you do not have cheques for your Scotiabank account, you can view or print your void cheque details online:

On the online Account Summary page, select your Scotiabank chequing account.
Choose Direct deposits and pre-authorized debits.
Select View/Print under Check specimen.

How do I contact Scotiabank online?

Here are some of the most frequently used phone numbers to contact Scotiabank online.

For any questions, to open an account, or to get help with your Scotiabank online banking services, borrowing, and investments, here are the numbers:

1-800-575-2424
1-800-645-0288 (TTY/ATS service)
1-416-701-7200 (Toronto area/collect calls from outside Canada/the United States)

TeleScotia^®
1-800-575-1212 (French service)
1-800-267-1234 (English service)
1-800-830-8800 (Cantonese service)
1-800-830-8080 (Mandarin service)

Mobile banking support line
1-877-918-8866

Scotia iTRADE
1-800-361-6601 (French service)
1-800-263-3430 (English service)
1-877-662-3838 (Cantonese and Mandarin service)

Scotia iTRADE
1-888-TRADE88 (1-888-872-3388)

Scotia Life
1-800-361-8570

Scotia Mutual Funds
1-800-387-5004

Scotiabank Student Loans Centre
1-800-972-6842
416-288-4655 (Toronto area)

What are Scotiabank credit cards?

Scotiabank offers many credit cards. See our dedicated page on the best Scotiabank credit card offers.

Our featured card

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Scotiabank Passport^® Visa Infinite +* Card

Scotiabank Scene+

Annual fee: $150
Our valuationMilesopedia first-year estimate First-year valueWelcome bonus$450Total$450Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.: $450
Welcome offerAfter $10,000 in 6 months: Up to 45,000 points; Ends Jan 3, 2027

With this welcome offer for the Scotiabank Passport^® Visa Infinite^+* Card, available until January 3, 2027, you can earn up to 35,000 welcome bonus Scene+ points:

15,000 Scene+ points after charging $3,000 in purchases to your account within the first three months
An additional 20,000 Scene+ points after charging $10,000 in purchases to your account within the first six months

These points can be redeemed against any travel purchase at a rate of 1,000 points = $10 (flights, hotels, all-inclusives and even Airbnb), or as cash back with Scene+ at the same rate.

The Scotiabank Passport Visa Infinite +* Card also offers:

No fees for foreign currency transactions
6 complimentary airport VIP lounge passes
Excellent insurance for your travels and purchases
Visa Infinite* Concierge Services

Legal

$150 in travel rewards (15,000 bonus Scene+ points) for new Scotiabank Passport Visa Infinite + Card clients who spend $3,000 within the first 3 months;

$200 in travel rewards (20,000 bonus Scene+ points) for new Scotiabank Passport Visa Infinite + Card clients who spend $10,000 within the first 6 months;

$100 in travel rewards (10,000 bonus Scene+ points) when you spend $40,000 annually on your Account each year (12-months: annual points bonus);

$50 supplementary card annual fee waiver on the first supplementary card for new Scotiabank Passport Visa Infinite + Card clients;

Potential First Year Value = up to $1,351 (rounded down to $1,350)

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

Savings at Shell

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.

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.

Annual fee

Primary card$150

Additional card$0

Annual income required

Individual$60,000

Household$100,000

Conversion fees

Earning rate

3xWith the partner brand
2xGroceries
2xRestaurants
2xTransit
2xEntertainment
1xAll spending

Value

1st Year Value$704

2nd Year Value$397

Card benefits

Concierge service24/7

Airport lounge access$240

Travel insurance

Travel medical (under 55)Up to $2,000,000 / 25 days

Travel medical (55-64)Up to $2,000,000 / 25 days

Travel medical (65+)Up to $2,000,000 / 3 days

Trip CancellationUp to $1,500

Trip InterruptionUp to $2,500

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

Auto Rental CollisionUp to $65,000 / 48 days