Minimum Requirements for Applying for a Scotiabank Credit Card

Q: Does Scotiabank have a Mastercard credit card?

Yes, just one: the Scotia Momentum Mastercard Credit Card . It has no annual fee and gives you 1% cash back on eligible gas station, grocery store and drugstore purchases and recurring bill payments. Its rates are 20.99% on purchases and 22.99% on cash advances. Every other Scotiabank credit card is a Visa or an American Express.

Q: What should I do if my Scotiabank application is declined?

You can call the Scotiabank Credit Card Centre at 1-800-387-6466 with your reference number to understand the decision and add details. Be ready to explain any address mismatch, provide recent bank statements or clarify your employment situation. Also check the three points covered above: an address that does not match your TransUnion file , a locked credit file or a bankruptcy declared in the last 7 years . When the decline comes down to an administrative error, this call lets you fix it.

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Published April 9, 2025Updated October 1, 20265 min readEditorial integrity

Minimum Requirements for Applying for a Scotiabank Credit Card

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. The threshold depends on the card:

$12,000 a year for a Scotiabank American Express card
$60,000 to $80,000 a year for a Visa Infinite card, or $100,000 to $150,000 in household income
$150,000 a year for a Visa Infinite Privilege card, or $200,000 in household income

Annual Income of $12,000

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Credit card	Annual fee	Welcome offer
Scotiabank Gold American Express^® Card Apply NowCompare	Annual fee$120	Welcome offerAfter $7,500 in 12 months Up to 50,000 pointsEnds Nov 1, 2026 After $7,500 in 12 months	Apply NowCompare
Scotiabank^®* Platinum American Express^® Card Apply NowCompare	Annual fee$399	Welcome offerAfter $10,000 in 6 months Up to 100,000 pointsEnds Nov 1, 2026 After $10,000 in 6 months	Apply NowCompare
Scotiabank American Express^® Card Apply NowCompare	Annual fee$0	Welcome offerAfter $1,000 in 3 months Up to 10,000 pointsEnds Nov 1, 2026 After $1,000 in 3 months	Apply NowCompare
Scotia Momentum^® Visa* Card Apply NowCompare	Annual fee$49	Welcome offerFor 9 months 0.99% on balance transfersEnds Jan 3, 2027 For 9 months	Apply NowCompare

Annual Income of $60,000 to $80,000

Our credit card selection
Credit card	Annual fee	Welcome offer
Scotiabank Passport^® Visa Infinite +* Card Apply NowCompare	Annual fee$150	Welcome offerAfter $2,000 in 3 months Up to 35,000 pointsEnds Nov 1, 2026 After $2,000 in 3 months	Apply NowCompare
Scotia Momentum^® Visa Infinite +* Card Apply NowCompare	Annual feeFirst Year Annual Fee Rebate$120 $0First Year Annual Fee Rebate	Welcome offerAfter $2,000 in 3 months Up to $300 Cash BackEnds Nov 1, 2026 After $2,000 in 3 months	Apply NowCompare

Annual Income of $150,000

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Scotiabank Passport^® Visa Infinite Privilege* Card

Scotiabank Scene+

Annual fee: $599
Our valuationMilesopedia first-year estimate First-year valueWelcome bonus$600Total$600Plus $200 of bonus paid after the first year, not counted in this total.Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.: $600
Welcome offerAfter $20,000 in 6 months: Up to 80,000 points; Ends Nov 1, 2026

With this welcome offer for the Scotiabank Passport^® Visa Infinite Privilege* Card, you get up to 80,000 bonus Scene+ points as a welcome bonus (worth $800):

30,000 points by making at least $3,000 in everyday eligible purchases in your first 3 months.
30,000 points after $20,000 in purchases within the first six months
20,000 points by making an eligible purchase during the 14th month following account opening

With the Scotiabank Passport^® Visa Infinite Privilege* Card, you earn:

3X Scene+ points for every $1 in eligible travel purchases
2X Scene+ points for every $1 in eligible purchases at dining and entertainment establishments
1X Scene+ points for every dollar spent on all other eligible purchases

Including on foreign purchases, with no foreign transaction fees.

The Scotiabank Passport^® Visa Infinite Privilege* Card is an excellent Visa credit card for this type of purchase.

These points can be used against any travel purchase at the rate of 1,000 points = $10 (flights, hotels, all-inclusives and even Airbnb). You can also redeem your points for cash back at Scene+, for example, at your local grocery store checkout at the same rate of 1,000 points = $10.

The Scotiabank Passport^® Visa Infinite Privilege* Card also offers:

No fees for foreign currency transactions
10 complimentary airport lounge visits per year
$250 annual travel credit
Excellent insurance for your travels and purchases
Concierge service

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1 Offer description and conditions: The 80,000 bonus Scene+ points offer (the « offer ») applies only to new Scotiabank Passport^® Visa Infinite Privilege* Card credit card accounts (the « accounts ») opened between May 1, 2026 and November 1, 2026 (regardless of the date you apply for the account), subject to the conditions below. To be eligible for the 30,000 bonus Scene+ points (the « 30,000 bonus points »), you must charge eligible purchases totaling at least $3,000 to your new account during the first three months following the account opening date. To be eligible for the additional 30,000 bonus Scene+ points (the « additional 30,000 bonus points »), you must charge $20,000 in eligible purchases to your new account during the first six months following the account opening date. To be eligible for the additional 20,000 bonus Scene+ points (the « additional 20,000 bonus points »), you must charge at least one (1) eligible purchase to your new account during the 14th month following the month the account was opened. Eligible purchases mean purchases, less refunds, returns, and any other similar credits, and exclude payments, cash advances (including balance transfers and quasi-cash transactions), interest charges, and card fees and other charges.

Fulfillment of the annual bonus reward: Bonus points will be credited to the Scene+ account 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 30,000 bonus points and the additional 30,000 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 ($3,000 or $20,000) within the appropriate timeframe (the first three months or the first six months), and (ii) the additional 20,000 bonus points will be credited to the Scene+ account linked to the account of the borrower who made the first transaction considered an eligible purchase during the 14th month following the month the account was opened. If an additional cardholder makes the transaction that reaches the eligible purchase threshold for the 30,000 bonus points or the additional 30,000 bonus points, or makes the first transaction to earn the additional 20,000 bonus points, the bonus points will be credited to the Scene+ account linked to the primary borrower’s account. Points can be transferred between the Scene+ accounts of a primary borrower, co-borrower, or additional cardholder by contacting Scene+. An account is in good standing if it is not past due, there is no credit limit overage, 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. The offer may be modified, cancelled, or extended at any time without notice, and cannot be combined with any other offer.

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

Rates and fees: The current annual fees are $599 for the primary card and $199 for each additional card (including those issued to joint account holders and additional cardholders).
The preferred annual interest rates currently applicable to the account are as follows: 20.99% on purchases and 22.99% on cash advances (including balance transfers and quasi-cash transactions). All rates, fees, features, and benefits described in the application disclosure may be changed.

Savings at Shell

Get up to 7 cents per litre in instant fuel discounts for a limited time and earn up to 3 cents per litre in Scene+ points value with an eligible Scotiabank Passport Visa infinite Privilege 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 Privilege* 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.

Annual fee

Primary card$599

Additional card$199

Annual income required

Individual$150,000

Household$200,000

Conversion fees

Earning rate

3xTravel
2xRestaurants
2xEntertainment
1xAll spending

Value

1st Year Value$585

2nd Year Value$232

Card benefits

Concierge service24/7

Airport lounge access$400

Travel insurance

Travel medical (under 55)Up to $5,000,000 / 31 days

Travel medical (55-64)Up to $5,000,000 / 31 days

Travel medical (65+)Up to $5,000,000 / 10 days

Trip CancellationUp to $2,500

Trip InterruptionUp to $5,000

Delayed BaggageUp to $1,000

Lost BaggageUp to $2,500

Flight DelayUp to $1,000

Hotel BurglaryUp to $2,500

Travel AccidentUp to $500,000

Purchase protection

Purchase ProtectionIncluded

Extended Warranty+2 years

Mobile DeviceUp to $1,000 / 1 years

Auto Rental CollisionUp to $85,000 / 48 days

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.

Our credit card selection
Credit card	Annual fee	Welcome offer
Scotiabank Value^® Visa* Card Apply NowCompare	Annual feeFirst Year Annual Fee Rebate$29 $0First Year Annual Fee Rebate	Welcome offer$29 annual fee rebated First Year Annual Fee RebateEnds Jan 3, 2027 $29 annual fee rebated	Apply NowCompare
Scotiabank Passport^® Visa Infinite Privilege* Card Apply NowCompare	Annual fee$599	Welcome offerAfter $20,000 in 6 months Up to 80,000 pointsEnds Nov 1, 2026 After $20,000 in 6 months	Apply NowCompare

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.

You can still call the Scotiabank Credit Card Centre at 1-800-387-6466 with your application number on hand. There, you can ask about the decision, provide additional details or offer additional documents. See also 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.

Frequently Asked Questions about Scotiabank Credit Cards

How can I contact Scotiabank’s credit card center?

The Scotiabank Credit Card Centre answers at 1-800-387-6466 in Canada and the U.S., or at 416-288-1440 from outside Canada and the U.S. For the Scotia Momentum Mastercard, call 1-866-286-4517 instead (English service) or 1-866-778-8103 (French service). Have your reference number on hand to speed up your call. You will find all these numbers on Scotiabank’s phone help page.

Does Scotiabank have a Mastercard credit card?

Yes, just one: the Scotia Momentum Mastercard Credit Card. It has no annual fee and gives you 1% cash back on eligible gas station, grocery store and drugstore purchases and recurring bill payments. Its rates are 20.99% on purchases and 22.99% on cash advances. Every other Scotiabank credit card is a Visa or an American Express.

Which Scotia cards have no conversion fees?

With these Scotiabank personal cards, you only pay the exchange rate on foreign currency purchases, without the 2.5% markup most issuers charge: the Scotiabank Passport Visa Infinite Card ($150 a year), the Scotiabank Passport Visa Infinite Privilege Card ($599), the Scotiabank Gold American Express Card ($120) and the Scotiabank Platinum American Express Card ($399).

What is the minimum income required for a Scotiabank credit card?

The required income depends on the card. The Scotiabank Gold American Express Card and the Scotiabank Platinum American Express Card ask for $12,000 in personal income a year. For a Visa Infinite card, such as the Passport or the Momentum, Scotiabank lists $60,000 to $80,000 in personal income, $100,000 to $150,000 in household income, or $250,000 to $300,000 in assets under management. The Scotiabank Passport Visa Infinite Privilege Card requires $150,000 in personal income, $200,000 in household income or $400,000 in assets under management. Meeting these thresholds does not guarantee approval: your credit file counts too.

What should I do if my Scotiabank application is declined?

You can call the Scotiabank Credit Card Centre at 1-800-387-6466 with your reference number to understand the decision and add details. Be ready to explain any address mismatch, provide recent bank statements or clarify your employment situation. Also check the three points covered above: an address that does not match your TransUnion file, a locked credit file or a bankruptcy declared in the last 7 years. When the decline comes down to an administrative error, this call lets you fix it.

Can I have more than one Scotiabank card at the same time?

Yes. Scotiabank does not publish a maximum number of cards per customer, so you can combine cards that complement each other. For example, the Scotiabank Passport Visa Infinite Card saves you foreign transaction fees abroad. The Scotia Momentum Visa Infinite Card pays 4% cash back on groceries and recurring payments, on up to $25,000 of spending a year. The Scotiabank Gold American Express Card earns 5 Scene+ points per dollar on dining and entertainment. Each new application is still assessed on your income and the credit you already hold.

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Scotiabank Passport^® Visa Infinite +* Card

Scotiabank Scene+

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

With this welcome offer for the Scotiabank Passport Visa Infinite +* Card ^+* Card^MC, you’ll earn 25,000 welcome bonus Scene+ points after charging $2,000 in purchases to your account within the first three 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 35,000 Scene+ points and a value of up to $1,250 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.

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

We have named this credit card the Best Credit Card with No Foreign Transaction Fees in 2024, 2025, and 2026.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Savings at Shell

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

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

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