To the point
No more fear of rejection! Discover our tips to increase your chances of obtaining a Scotiabank credit card.
Scotiabank Passport® Visa Infinite* Card
Up to 40,000 Scene+ points Ends Jul 1, 2025
Conditions for Obtaining a Scotiabank Credit Card
When applying for a Scotiabank credit card, there are a number of important things to note, including:
- Your personal information
- Your place of residence
- Your employment
Among this information, there are criteria that Scotiabank looks at to determine whether or not to approve your application:
Minimum Personal Income
Minimum personal income is the first criteria checked by Scotiabank. You must earn:
- $12,000 annual income for an American Express or Visa card
- $60,000 annual income for a Visa Infinite card
- $150,000 annual income for a Visa Infinite Privilege card
Annual Income of $12,000
Annual Income of $60,000
Annual Income of $150,000
A Residential Address Known to TransUnion
We don’t often think about it, but it’s a criterion that can lead to your application being blocked! If the address you provide to Scotiabank in your application does not match the one listed in your TransUnion file, your application could simply be “conditionally declined.”
In fact, Scotiabank will wait for you to call and provide documentation or additional information. It will then be easy to specify if there is an error in the way the address is written, for example.
“Apt” instead of “Apartment” or 101-5001 instead of 5001 XXX Street, Apartment 101
Make sure to check how your address appears on your Transunion credit file.
Unlock Your Credit File
You have been able to lock your credit file since 2023. If you have done so, please remember to unlock your file before applying.
Absence of Personal Bankruptcy
To apply for a Scotiabank credit card, you must not have declared personal bankruptcy in the last 7 years.
Age of Majority
You must have reached the age of majority in your province or territory of residence.
Status in Canada
To get a Scotiabank credit card, you must be a Canadian citizen or permanent resident.
Reconsideration of Your Scotiabank Credit Card Application
Despite all your precautions, it’s possible that at the end of your application, it may be rejected. But that doesn’t mean it’s definitively refused.
In fact, by calling Scotiabank with your application number at 1-800-958-8080, you may be able to provide additional details or send additional documents. Talking to a human will give you more information, which will probably allow Scotiabank to approve you! See our article on “declined” to “approved” card applications.
When you receive your Scotiabank credit card, you’ll be able to earn Scene+ points to pay for groceries or travel, or cash back with a Scotia Momentum Visa Infinite Card.
How can I contact Scotiabank's credit card center?
If you have any questions about your Scotiabank credit card application, call 1-800-958-8080. Have your reference number with you to speed up the process.
Does Scotiabank have a Mastercard credit card?
Scotiabank only offers Visa and American Express credit cards.
Which Scotia cards have no conversion fees?
Scotiabank is one of the few financial institutions that has them! Here they are:
