Vietnam Travel Guide | Itineraries and Highlights

^†Terms and conditions apply.

American Express is not responsible for maintaining or controlling the accuracy of the information published on this website. For full and up-to-date product information, click on the Apply now link. Terms and conditions apply.

Refer to RBC page for up to date offer terms and conditions

^† Based on the Air Travel Reward redemptions from the Air Travel Redemption Schedule starting at 35,000 Avion points for one round-trip long-haul flight to almost anywhere in Canada or the United States with a maximum ticket price of $750, you will need a minimum of 70,000 Avion Points for two round-trips long-haul flights to almost anywhere in Canada or the United States, exclusive of Hawaii and Alaska. All applicable taxes, service fees and surcharges are the responsibility of the traveler. For more details, including information on redeeming for first class and business class seats, visit: www.avionrewards.com/travel/index.html. For general redemption terms, conditions and restrictions that apply to the Avion Rewards program, please visit: www.avionrewards.com or call 1-800 ROYAL 1-2 (1-800-769-2512).

^ Based on the Air Travel Reward redemptions from the Air Travel Redemption Schedule starting at 15,000 Avion points for a round trip within or to an adjacent Canadian province/territory or U.S State with a maximum ticket price of $350. You will need a minimum of 60,000 Avion Points for four round-trips within or to an adjacent Canadian province/territory or U.S State. All applicable taxes, service fees and surcharges are the responsibility of the traveller. For more details, including information on redeeming for first class and business class seats, please visit: www.avionrewards.com/travel/index.html. For general redemption terms, conditions and restrictions that apply to the Avion Rewards program, please visit: www.avionrewards.com or call 1-800 ROYAL 1-2 (1-800-769-2512).

1 This offer only applies to new applications for an RBC Avion Visa Infinite or RBC Avion Visa Platinum credit card (each, an “Eligible Credit Card”) received between “August 13, 2026” and “November 25, 2026” (“Offer Period”) and approved by Royal Bank of Canada (“Royal Bank”) subject to the conditions below. Additional cardholders(s) (co-applicant and authorized user(s)) on the Eligible Credit Card account, as well as existing cardholders on any RBC Royal Bank personal credit card account transferring to an Eligible Credit Card account during the Offer Period, are not eligible for the offer.

35,000 welcome Avion points (“Welcome Points”) will appear on your monthly credit card statement within sixty (60) days after your application has been approved, provided that your Eligible Credit Card account remains open and in good standing at the time the Welcome points are credited to your account, “good standing” meaning that your Eligible Credit Card account must not be past due for more than two (2) consecutive credit card account statement periods, closed, charged off or in credit revoked status.

You will receive 20,000 bonus Avion points (“Bonus Points”) if a total of $5,000 or more (“Qualifying Transaction Amount”) in qualifying net purchases and/or pre-authorized bill payment transactions (“Qualifying Transactions”) are posted to your Eligible Credit Card account within the first six (6) months from your Eligible Credit Card account opening date (“Period”). The Bonus Points will appear on your monthly credit card statement within sixty days (60) after you reach $5,000 in Qualifying Transactions, provided your Eligible Credit Card account remains open and in good standing at the time the Bonus Points are credited to your account.

Qualifying Transactions exclude cash advances (including balance transfers, cash-like transactions and bill payments that are not pre-authorized charges that you set up with a merchant), interest charges and fees. Credits for returns and adjustments posted to your Eligible Credit Card account during the Period will reduce the amount of your Qualifying Transactions. The Qualifying Transaction Amount is based on the transaction posting date of each Qualifying Transaction, not the transaction date. This means that transactions that take place prior to the last day of the Period will not be considered for the Qualifying Transaction Amount if they have not yet been posted or processed by the merchant, the payment network (Visa) or Royal Bank by the last day of the Period.

15,000 additional Avion points (“Anniversary Points”) will appear on your monthly credit card statement within twelve (12) to sixteen (16) weeks after the one- year anniversary of your account opening, provided that your Eligible Credit Card account remains open and in good standing at the time the Anniversary Points are credited to your account.

If you close or change your Eligible Credit Card Account for another type of RBC Royal Bank credit card before the Welcome Points, the Bonus Points and/or the Anniversary Points have been credited to your account, you may lose the benefit of this offer. This offer may not be combined or used in conjunction with any other offer. Royal Bank reserves the right to cancel, modify or withdraw this offer at any time without notice, even after your application has been approved, including if we suspect that you may be manipulating or abusing it, or engaging in any suspicious or fraudulent activity, as determined by Royal Bank in its sole discretion. For complete terms and conditions that apply to the Avion Rewards Program, please visit www.avionrewards.com or call 1-800-769-2512.

^Point redemptions for flights under the Air Travel Redemption Schedule start at 7,500 points for a short-haul one-way Economy Class flight priced at no more than $175 (and start at 15,000 points for a short-haul round-trip Economy Class flight priced at no more than $350). The traveller is responsible for all applicable taxes, administration fees and surcharges. To learn more, including guidelines regarding redeeming points for a Business Class flight, visit www.avionrewards.com/travel/.

2 Avion points are earned on qualifying net purchases only; they are not earned on cash advances (including balance transfers, cash-like transactions and bill payments that are not pre-authorized charges that you set up with a merchant) interest charges or fees, and credits for returns and adjustments will reduce or cancel the points earned by the amounts originally charged.

4 To participate in this offer, you must have an RBC debit card or a credit card which is issued by Royal Bank of Canada (excluding RBC commercial credit cards) (“RBC Card”). RBC business clients will only be able to link up to two (2) RBC business credit cards and one (1) RBC business debit card to a Petro-Points card.

You must be enrolled in RBC Online Banking or the RBC Mobile app in order to link your RBC Card to your Petro-Points card. Card linking may take up to 2 business days to process before savings and bonus points can be applied to purchases. A linked RBC Card means an RBC Card linked to a Petro-Points Account. Your linked RBC Card acts as your Petro-Points card. You will automatically earn Petro-Points when you pay for qualifying purchases with your linked RBC Card at Petro-Canada locations and you do not need to swipe your Petro-Points card before you pay. You can redeem your Petro-Points at Petro-Canada using your linked RBC Card. Each time you use your linked RBC Card to purchase any grade of gasoline, or diesel, at a Petro-Canada location, you will save three cents ($0.03) per litre at the time of the transaction.

6 Each time you use your linked Eligible Avion Rewards Credit Card to pay for purchases at a Petro-Canada Location, you will earn a bonus of twenty percent (20%) more Avion points than you normally earn for every $1 in purchases in accordance with the Avion Rewards Terms and Conditions. Please allow up to ninety (90) days from the date the transaction is posted on your credit card statement for the bonus points to be deposited into Avion Rewards account. Authorized Users are excluded from earning Avion points bonus.

6 Each time you use your eligible linked Avion Rewards credit card to pay for purchases at a Petro-Canada location, you will receive a bonus of twenty percent (20%) more Avion points than you would normally receive for each dollar of purchase, in accordance with the terms of the Avion Rewards program. Please allow up to ninety (90) days from the date the transaction is posted to your credit card statement for your bonus points to be deposited into your Avion Rewards account. Authorized users cannot earn bonus Avion points.

7 Coverage underwritten by RBC Insurance Company of Canada. Please refer to the insurance certificate for complete details. rbc-visa-infinite-avion-certificate-of-insurance.pdf

9 Under 65 years of age, 15 days of coverage. For age 65 and over, 3 days of coverage. Coverage underwritten by RBC Insurance Company of Canada.

12 You will earn 1.25 Avion points for every dollar spent when you use your RBC Avion Visa Infinite card to pay for travel-related purchases made at merchants classified by Visa’s “Merchant Category Code” (“MCC”) as “travel”, which may include: airlines, accommodations, tour operators, cruise lines, travel agencies and car rental companies. Even though some merchants may sell travel products/services, purchases made at these locations may not necessarily qualify for the 1.25 Avion points per dollar if the merchant is not classified with a “travel” MCC. Also, merchants that are not classified by a “travel” MCC may be located on the premises of merchants that are classified with a “travel” MCC, and purchases made at these locations may not qualify for this added benefit. For more details, please refer to the Avion Rewards Terms and Conditions at: https://www.avionrewards.com/terms-and-conditions/index.html

14 The term “redeem” means using your Be Well points to pay, or partially pay, for eligible purchases using your Be Well card at participating Rexall locations according to the instructions provided by the cashier, the point-of-sale terminal or any other payment processing device. You can redeem the Be Well points you earn for eligible purchases—see section 5 of the Be Well terms (available at https://www.letsbewell.ca/terms-conditions)—or for another purpose that we may provide from time to time.

You must have joined the Be Well program and registered your Be Well card, or otherwise called customer service, to redeem Be Well points. Any Be Well points earned on a Be Well card will remain the property of the Be Well administrator until the enrollment and registration process is complete.

You must redeem a minimum of 25,000 Be Well points at any time, which are worth $10. Be Well points can be redeemed in $10 increments, up to a maximum of $200 (500,000 Be Well points) in a single transaction. A maximum of 500,000 Be Well points can be redeemed within a 24-hour period.

In Ontario and British Columbia, Be Well points cannot be redeemed for prescription drugs. As the laws of each province and territory may change from time to time, you are encouraged to consult your pharmacist for more information in this regard.

Be Well points you earn when you make a purchase cannot be redeemed immediately for that same purchase. They can only be redeemed for a future eligible purchase that must be made at least 12 hours after earning those Be Well points.

16 To receive a complimentary DashPass subscription for $0 delivery fees on orders of $15 or more at eligible restaurants when you pay with your Eligible RBC Credit Card, you must subscribe to DashPass by adding an Eligible RBC Credit Card, accept the DoorDash terms and conditions, and activate your benefit by clicking “Activate Free DashPass” before November 16, 2028 (“Offer Period”). If you are an existing DashPass subscriber and have already added an Eligible RBC Credit Card to your account you must activate your benefit by clicking “Activate Free DashPass” during the Offer Period. If you have been charged for DashPass you will receive a refund to the method of original payment, in the amount of the monthly subscription fee for the month you activate your complimentary subscription. For all clients, by clicking on “Activate Free DashPass” you agree to the DoorDash terms and conditions which can be found at https://help.doordash.com/consumers/s/terms-and-conditions .

Eligible RBC Credit cardholders include primary cardholders, co-applicants, authorized users, primary business cardholders and secondary business cardholders on an Eligible RBC Credit Card account.

The DashPass monthly subscription fee will be waived (“Complimentary DashPass Subscription”) and you will receive either a 6 months or 12 months Complimentary DashPass Subscription based on the Eligible RBC Credit Card you use to subscribe to DashPass.

DashPass subscriptions purchased through third parties, including third-party payment accounts, or online or mobile digital wallets (like Apply Pay and Google Pay) are not eligible for the Complimentary DashPass Subscription.

Eligible RBC Credit Cards: Your Eligible RBC Credit Card may only be used with one DoorDash account to receive a Complimentary DashPass Subscription. Once you have received a Complimentary DashPass Subscription you cannot use the same eligible RBC Credit Card to obtain a Complimentary DashPass Subscription with another DoorDash account.

You are only eligible for one 12 month Complimentary DashPass Subscription and one 6 months Complimentary DashPass Subscription during the Offer Period. The Complimentary DashPass Subscription commences on the date you subscribe to receive the Complimentary DashPass Subscription. For example, if you subscribe to a 12 month Complimentary DashPass Subscription in on the last day of your second month of a 6 months Complimentary DashPass Subscription you will receive a total of 14 months of Complimentary DashPass Subscription. In order to validate your credit card as an Eligible RBC Credit Card, Royal Bank may need to administer a $0.50 charge to validate your card enrollment. This charge will be reversed in 3 to 5 days once your account has been validated.

12 Month Complimentary DashPass Subscription is available for the following Eligible RBC Credit Cards:

As an RBC Avion Visa Platinum, RBC Avion Visa Infinite , RBC Avion Visa Infinite Privilege, RBC Avion Visa Infinite Privilege for Private Banking, WestJet RBC World Elite Mastercard, RBC Rewards Visa Preferred, RBC Cash Back Preferred World Elite Mastercard, More Rewards RBC Visa Infinite, RBC British Airways Visa Infinite, RBC Avion Visa Business, RBC Avion Visa Infinite Business, WestJet RBC World Elite Mastercard for Business (Elite Benefit cards) cardholder.

You are eligible for a Complimentary DashPass Subscription for 12 months from the date you subscribe to receive the Complimentary DashPass Subscription. You will be auto-enrolled into full-price membership at the then-current rate after the end of the 12 month Complimentary DashPass Subscription. Your RBC credit card account must be open and not in default to maintain the benefits of DashPass.

6 Months Complimentary DashPass Subscription is available for the following Eligible RBC Credit Cards:

As an Rewards+TM Visa‡, Signature^® RBC Rewards^® Visa‡, RBC^® Visa‡ Platinum, RBC^® Visa‡ Cash Back, RBC^® Cash Back Mastercard‡, RBC^® Visa‡ Classic Low Rate Option, RBC^® Visa‡ Classic, RBC^® Student Visa‡ Classic, RBC^® Visa‡ Classic II Student, RBC^® Visa‡ Gold, RBC^® U.S. Dollar Visa‡ Gold, RBC Rewards Visa‡ Gold, RBC RateAdvantage^® Visa‡, WestJet RBC^® Mastercard‡, RBC ION Visa, RBC ION+ Visa, More Rewards RBC Visa, RBC Staff VISA Classic Expense, RBC Staff VISA Gold Expense, RBC^® Visa‡ Business, RBC^® Visa‡ Business Gold, RBC^® Visa‡ CreditLine for Small BusinessTM, or RBC^® Business Cash Back Mastercard‡, WestJet RBC^® World Elite Mastercard‡ (Premium Benefit Cards).

You are eligible for a Complimentary DashPass Subscription for 6 months from the date you subscribed to the Complimentary DashPass Subscription. You will be auto-enrolled into full-price membership at the then-current rate after the end of the 6 months Complimentary DashPass Subscription. Your RBC credit card account must be open and not in default to maintain the benefits of DashPass.

DoorDash not Royal Bank of Canada, is responsible for (i) services and products provided through DoorDash; (ii) DashPass, including the DashPass Benefits, the administration of DashPass and (iii) the DoorDash terms and conditions. The Complimentary DashPass Subscription offer may be amended or withdrawn at any time. To learn more about DashPass, visit www.doordash.com/dashpass (opens to external site). For full DashPass for RBC Program Terms and Conditions, visit rbcroyalbank.com/credit-cards/documentation/pdf/full-doordash-tcs-en.pdf

Refer to RBC page for up to date offer terms and conditions

ˆ This offer only applies to new applications for a RBC British Airways Visa Infinite credit card received and approved by Royal Bank of Canada (“Royal Bank”), subject to the conditions below. Additional cardholders(s) (co-applicant and authorized user(s)) on the RBC British Airways Visa Infinite credit card account are not eligible for this offer. Existing cardholders on any RBC Royal Bank personal credit card account transferring to a RBC British Airways Visa Infinite credit card, are not eligible for the offer.

To receive the offer of 50,000 Avios points (“Bonus”), (i) a total of $6,000 or more (“Qualifying Transaction Amount”) in qualifying net purchases and/or pre-authorized bill payment transactions (“Qualifying Transactions”) must be posted to your Credit Card Account within the first 90 days of your Credit Card Account opening date (“Period”), and (ii) your Credit Card must remain open and in good standing, “good standing” meaning that your Credit Card Account must not be past due for more than two (2) consecutive Credit Card Account statement periods, closed, charged off or in credit revoked status at that time. If you are not currently a member of The British Airways Club, you will be enrolled automatically once you are approved for the RBC British Airways Visa Infinite credit card. Please note that the address your British Airways Club account is registered under must match the one for your RBC British Airways Visa Infinite account at all times for the Avios to be posted to your British Airways Club account. The Bonus will be awarded to your British Airways Club account, approximately 15 weeks after the date you reach $6,000 in Qualifying Transactions within the Period.

Qualifying Transactions exclude cash advances (including balance transfers, cash-like transactions and bill payments that are not pre-authorized charges that you set up with a merchant), interest charges and fees. Credits for returns and adjustments posted to your Credit Card Account during the Period will reduce the amount of your Qualifying Transactions. The Qualifying Transaction Amount is based on the transaction posting date of each Qualifying Transaction, not the transaction date. This means that transactions that take place prior to the last day of the Period will not be considered for the Qualifying Transaction Amount if they have not yet been posted or processed by the merchant, the payment network (Visa) or Royal Bank by the last day of the Period.

If you close or change your RBC British Airways Visa Infinite credit card for another type of RBC Royal Bank credit card before the Bonus has been credited to your British Airways Club account, you may lose the benefit of this offer. This offer may not be combined or used in conjunction with any other offer, except as otherwise set out. Royal Bank of Canada and British Airways reserve the right to modify, cancel or withdraw this offer at any time. British Airways, not Royal Bank of Canada, is responsible for this offer and The British Airways Club program. For all British Airways Club Terms and Conditions, please visit ba.com/theclub .

An eligible member who makes at least $30,000 CAD in eligible purchases on their card during a calendar year (a calendar year is the period starting January 1 and ending December 31) will receive a single companion voucher during that same calendar year. See ba.com/rbc-visa for full terms and conditions.

*Terms and conditions apply. American Express is not responsible for maintaining or monitoring the accuracy of the information on this website. For full details and current product information, click the Apply Now link. If you apply and get approved for an American Express Card, we may receive compensation from American Express, which can be in the form of monetary payment.

^†Terms and conditions apply.

* 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.

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.

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.

CONDITIONS – Milesopedia WORLD ELITE CARD PROMOTIONAL OFFER Q1 2027

Length of the welcome promotion

From November 5, 2026 to March 31, 2027

Eligibility conditions

Sign up for a National Bank^® World Elite^® Mastercard^® credit card during the promotion period via the redirection link provided on the Milesopedia network websites during the promotion as a primary cardholder, as the primary cardholder.

Not have held any National Bank Mastercard credit card for individuals in the past 24 months as the primary cardholder.

Maintain the credit card account open and in good standing until the rewards points are paid. To be considered in good standing, you must comply with the conditions set out in the Credit Card Agreement, such as paying all fees and minimum payments on time.

Not be employed by us or by any entity within our group.

Description of the promotion

Up to 35,000 rewards points upon enrollment, with the annual fee reimbursed for the primary cardholder in the first year.

Reimbursement of annual fees for the first year for the primary cardholder.

We will charge these annual fees to your new card account and reimburse them. You will receive this reimbursement within five months of opening your account, provided your account is still open and in good standing. You will see it appear on your statement as a credit.

Annual fees for cards held by other authorized users are not eligible for this promotion.

Rewards points

Bonus current account offer

Combine your credit card with the opening of a first current account within a maximum of 14 days following the signing of the credit card application form and meet the following conditions to obtain bonus rewards points:

*To apply for payment insurance, you must complete the Credit Card Payment Protection Plan (CCPP) section in the credit card application form.

**The purchase calculation period starts on the date you sign up for the card. For example, if you sign up for the card on 15 February 2027, you have until 15 May 2027 to make the required $5,000 in purchases to obtain the 5,000 points offered, which will be credited to your account by the end of August 2027.

How total purchases are calculated

The calculation covers the total amount of purchases made with all cards linked to the account. Transactions not included in the calculation are listed in article 1.5 of the À la carte Rewards PlanTM.

Other conditions

You may only benefit from the promotion once.

The card is issued subject to credit approval by the National Bank. Other conditions apply to the issue of the card.

You must keep your National Bank current account in good standing for at least 180 days from the date the new current account is opened and until the points are credited to the credit card account. For the purposes of this promotion, the current account is not in good standing if:

• It is overdrawn, meaning it has an unauthorised negative balance.
• It has been used inappropriately, unauthorisedly, illegally, or abusively, as described in article 8.7 of the Deposit Account Agreement of the National Bank.

This promotion may not be combined with any other promotion applicable to National Bank credit cards, nor is it retroactive.

This promotion may be modified or withdrawn without notice.

World Elite – Winter 2027 À la carte Travel Contest

Contest rules

1. THE CONTEST

National Bank of Canada is the Contest Organizer of the World Elite – Winter 2027 À la carte Travel contest

The Contest Period runs from November 5, 2026, to March 31, 2027.

2. WHO CAN PARTICIPATE?

To enter, you must be:

a resident of Canada;

of the age of majority in your place of residence when you enter the Contest.

The following persons are not eligible to enter the Contest: employees, representatives and agents of the Contest Organizer, its subsidiaries, advertising and promotional agencies, suppliers of materials, prizes and services related to the Contest, as well as members of their immediate families (brothers, sisters, children, father and mother), their legal or common-law spouses, and all persons with whom those employees, representatives and agents reside.

3. HOW TO ENTER

During the Contest Period, you may enter the Contest as follows:

3.1 Apply for a National Bank Mastercard World Elite credit card as the primary cardholder through one of the links available on nbc.ca, on a partner website or through an advisor between November 5, 2026, and March 31, 2027, and activate the card before the draw.

3.2 Additional entry: during the Contest Period, open a first chequing account with National Bank as a primary holder, joint holder or sole holder, provided that you have not held a chequing account in any of those capacities during the previous two years.

Provided that you comply with these Contest Rules, we will use the personal information you have provided to us (last name, first name, telephone number, including area code, mailing address, including postal code, and email address) and enter it in the database used for the Contest in order to award you one entry in the Contest. You will thereby receive one entry in the Contest.

3.3 No purchase necessary

You may enter the Contest without applying for a National Bank Mastercard World Elite^® credit card as the primary cardholder and activating the card before April 30, 2027.

To enter this way, you must:

Send us an original handwritten letter of at least 50 words explaining why you would like to win one (1) gift certificate redeemable through the À la carte Travel agency’s telephone service, valued at $10,000 CAD (ten thousand Canadian dollars).

Include the following personal information in your letter: last name, first name, age, full address, including postal code, telephone number, including area code, and email address.

Send only one letter per sufficiently stamped envelope no later than March 31, 2027. The postmark will constitute proof of mailing, failing which the entry will be void. Your letter must be sent to the following address:

National Bank of Canada

“World Elite – Winter 2027 À la carte Travel” contest

No-purchase entry

800 St-Jacques Street

Montreal, Quebec H3C 1A3

To obtain an additional entry without opening a first chequing account, you must send us a second original handwritten letter of at least 50 words explaining what your dream travel destination would be, in a separate, sufficiently stamped envelope, no later than March 31, 2027, and comply with all the instructions set out above for the first no-purchase entry letter.

Upon receipt of your letter containing all required information, we will enter the personal information you have provided to us (last name, first name, telephone number, including area code, mailing address, including postal code, and email address) in the database used for the Contest. You will thereby receive one entry in the Contest.

Entries obtained in this manner are subject to the same conditions as all other entries.

4. ENTRY LIMIT

There is a limit of one Contest entry per person for applying for the credit card during the entire Contest Period, regardless of the method of entry.

Additional entry:

During the Contest Period, open a first chequing account with National Bank as a primary holder, joint holder or sole holder, provided that you have not held a chequing account in any of those capacities during the previous two years.

5. PRIZE

A total of 5 gift certificates will be awarded in the Contest. One gift certificate will be awarded in each draw in accordance with the conditions set out in section 6.

Each prize consists of one (1) travel gift certificate redeemable through À la carte Travel agency’s telephone service, valued at $10,000 CAD (ten thousand Canadian dollars).

The prize is non-transferable, cannot be exchanged for cash and must be accepted as awarded.

6. DRAW

The draws will be held as follows:

For applications submitted between November 5 and 30, 2026: January 5, 2027

For applications submitted between December 1 and 31, 2026: February 5, 2027

For applications submitted between January 1 and 31, 2027: March 5, 2027

For applications submitted between February 1 and 28, 2027: April 5, 2027

For applications submitted between March 1 and 31, 2027: May 5, 2027

Each draw will be held at 12:00 p.m. at our offices located at 800 St-Jacques Street, 28th Floor, Montreal, Quebec H3C 1A3.

At each draw, we will randomly select one (1) eligible entry from among all eligible entries received and registered during the applicable month.

7. CHANCES OF WINNING

The odds that your entry will be selected at random for a prize depend on the date of the credit card application and the number of entrants in the applicable draw.

8. CONDITIONS APPLICABLE ONLY TO A SELECTED ENTRANT

Your entry may be selected in a draw. However, before being declared a winner, you must:

Be contacted by us within 5 days following the draw.

Correctly answer, without assistance and within a limited period of time, a mathematical skill-testing question. We will ask you the question by telephone at a mutually agreed time.

Complete and return to us, within 5 days after receiving it, the Declaration and Liability Waiver that we sent you. By signing the Declaration and Liability Waiver, you will agree:

To accept your prize as described in these Contest Rules.

That you may not transfer your prize to another person, exchange it for cash or replace it with another prize.

That once you have received your prize, the performance of the related services will be the sole and exclusive responsibility of the various prize suppliers.

That we may use your first or last name, photograph, image, statement about the prize, place of residence or voice for publicity purposes, without compensation.

That we are not liable for any harm you may incur as a result of accepting or using your prize, including any tax consequences. Our subsidiaries, advertising and promotional agencies, suppliers of materials, prizes and services related to the Contest, and their employees, representatives and agents also cannot be held liable.

Within 10 days after receiving your Declaration and Liability Waiver, we will contact you again to explain how your prize will be awarded.

If you fail to comply with these conditions or any other condition set out in these Contest Rules, you will be disqualified. If time permits, we may hold another draw until an entrant is selected and declared a winner. An unclaimed prize may be cancelled.

9. CONDITIONS APPLICABLE TO AN ENTRANT

9.1 Our decisions in connection with the Contest are final and without appeal.

9.2 We, our subsidiaries, advertising and promotional agencies, suppliers of materials, prizes and services related to the Contest, and our employees, representatives and agents are released from all liability relating to:

Your entry or attempted entry in the Contest.

Any harm caused by downloading a webpage or software or transmitting information for the purpose of entering the Contest.

Any limitation on or inability to enter the Contest due to the malfunction of computer equipment, software or a communication line; the loss or absence of network communication; or a transmission that is faulty, incomplete, unintelligible or deleted by a computer or network.

9.3 We do not guarantee that the Contest website will be accessible or operate without interruption throughout the Contest Period or that it will be error-free.

9.4 During the Contest Period, our computer system may be unable to register all entries received. The draw may then be held solely from among the entries that were registered. Entry in the Contest may also end before the end date set out in these Contest Rules. In that event, the draw may be held from among the entries received and registered up to the date of the event that ended participation in the Contest.

9.5 Entry forms, no-purchase entry letters and Declaration and Liability Waiver forms are our property and will not be returned to you.

9.6 We will not contact you in connection with the Contest except as provided in these Contest Rules or on our own initiative.

9.7 We will use some of your personal information to administer the Contest. By entering the Contest, you consent to the use of your personal information for your entry in the Contest or when the prize is awarded.

10. OUR REMEDIES

10.1 We may verify entry forms, no-purchase entry letters and Declaration and Liability Waiver forms. We may reject an entry form, letter or Declaration and Liability Waiver, for example, if it is incomplete, fraudulent or submitted late. A rejected entry form, letter or Declaration and Liability Waiver will not entitle you to an entry or a prize, as applicable.

10.2 We may disqualify you or cancel one of your entries if you enter or attempt to enter in breach of these Contest Rules or in a manner that is unfair to other entrants, such as through hacking or by exceeding the permitted entry limit. You may be referred to the appropriate judicial authorities.

10.3 Any attempt to deliberately damage a website related to the Contest or to undermine the legitimate operation of the Contest is a violation of civil and criminal laws. If such an attempt is made, we reserve the right to reject your entry and seek remedies under the law.

10.4 We reserve the right, at any time and in our sole discretion, to cancel, terminate, modify or suspend the Contest, in whole or in part, if an event or human intervention occurs that may corrupt or affect the administration, security, fairness or operation of the Contest. In all cases, we will not be required to award more prizes or to award a prize other than as provided in these Contest Rules.

11. INTERPRETATION OF THE CONTEST RULES

11.1 In these Contest Rules, the entrant is the person identified on the entry form or no-purchase entry letter, as applicable. The prize will be awarded to that person if they are selected and declared a winner.

11.2 If any provision of these Contest Rules is declared unenforceable by a court of competent jurisdiction, that provision will be deemed null and void, but all other unaffected provisions will remain in force.

11.3 If the English and French versions of these Contest Rules are not identical, the French version will prevail.

^® Mastercard and World Elite are registered trademarks, and the circles design is a trademark of Mastercard International Incorporated. National Bank is an authorized user.

^® The À LA CARTE REWARDS logo is a registered trademark of National Bank of Canada.

^® NATIONAL BANK OF CANADA LOUNGE is a registered trademark of National Bank of Canada.

^® À LA CARTE REWARDS PLAN is a registered trademark of National Bank of Canada.

^® Apple Pay is a registered trademark of Apple Inc., registered in the U.S. and other countries. Apple Inc. is not a sponsor of or participant in National Bank Mobile Banking Solutions.

^® Google Pay is a registered trademark of Google LLC. Use of this trademark is subject to Google Inc. Permissions.

^TM À LA CARTE TRAVEL is a trademark of National Bank of Canada. The À la carte Travel agency is owned by Transat Distribution Canada Inc. and holds a Quebec permit (No. 753141).

^TM À LA CARTE REWARDS is a trademark of National Bank of Canada.

^® THE TOTAL, THE CONNECTED and NATIONAL BANK are registered trademarks of National Bank of Canada.

* Mastercard^® World Elite^®

The National Bank^® World Elite^® Mastercard^® credit card was voted best Mastercard credit card by Milesopedia in 2026, 2025 and 2024.

The National Bank^® World Elite^® Mastercard^® credit card was voted best travel credit card by Milesopedia in 2026, 2025 and 2024.

Every year, Milesopedia reviews credit card offers from major financial institutions and establishes its Ranking based on over 150 criteria such as fees, welcome offer, minimum income required, number of points per category, account credits, insurance, airport lounge access, etc.

1. Certain restrictions apply. For more information, see the Rewards Plan section or the Plan Rules applicable to point accumulation.
2. Grace period: No interest is charged on purchases made during the month if the cardholder pays the full balance of their account within twenty-one (21) days of the statement date. This grace period does not apply to cash advances and balance transfers. Minimum payment: if your account balance is less than $10, you must pay the balance in full. If you reside in the province of Quebec, your minimum payment is 5% of your account balance plus any overdue amount, or $10, whichever is greater. If you reside outside Quebec, your minimum payment is 2.5% of the credit card account balance plus any overdue amount, or $10, whichever is greater. Account statement: an account statement is sent monthly.

   Table of examples of credit fees calculated over a 30-day period

   Annual interest rate	$500	$3,000
   22.49%	$9.24	$55.45
   20.99%	$8.63	$51.76
   13.2%	$5.53	$33.16
   9.2%	$3.78	$22.68

   *Variable interest rate in effect as of September 1, 2021.

3. Balance transfers and cash advances are subject to National Bank credit approval. Each amount transferred cannot be less than $250.
4. Exclusive to World Elite Mastercard cardholders. Presentation of the physical credit card and boarding pass is required to access the lounge. The National Bank^® Lounge is accessible to customers traveling on international flights only (excluding flights to Canada and the United States). You benefit from free and unlimited access with one guest and two children aged 12 and under. Until October 4, 2026 (date subject to change), customers can enter the National Bank Lounge three hours before their flight departure time. From October 5, 2026 (date subject to change), access will be authorized for a maximum duration of 2 hours (3 hours for customers who hold a Private Banking 1859^® World Elite^® Mastercard^® credit card). National Bank customers who are not World Elite ^® Mastercard ^® cardholders can also access the current lounge based on current rates and benefit from a 25 % discount on these rates : 63,24 $ taxes included for adults (excluding discount) $40.24 taxes included for children aged 2 to 12 (excluding discount) free for children under 2 (excluding discount) The entry fee is subject to change without notice and is the responsibility of the lounge operator.
5. Subject to providing the required supporting documents in the manner and within the prescribed timeframe. Certain conditions may apply. Only the primary cardholder of a National Bank World Elite Mastercard (Cardholder) whose account is in good standing can request a « Travel Fee Reimbursement ». « Account in good standing » means an account linked to the credit card that does not violate the Credit Card Agreement in any way and on which no restrictions apply. For example, and without limitation, the associated annual fees must have been paid in full. The maximum reimbursement of $150 can be requested from January 1 to December 31 of each year. Eligible expenses are: airport parking baggage fees seat selection airport lounge access worldwide airline ticket upgrades A reimbursement request must be made within 60 days of the purchase date. Travel expenses must be charged to the National Bank World Elite Mastercard credit card account. The maximum reimbursement of $150 is applicable per account. Please allow up to 7 business days for the reimbursement to be processed from the date your request is submitted. National Bank reserves the right to request additional supporting documents for validation purposes (e.g., invoices). You must keep all receipts and supporting documents for a period of 12 months from the date you made your reimbursement request. An unused reimbursement in one year cannot be carried over to the next year. You can make your request online at rewards.nbc.ca or by calling 1-800-341-8083 (toll-free) for an agent to assist you with your travel fee reimbursement request.
6. Point accumulation on grocery and restaurant spending depends on the total gross monthly amount charged to the credit card account, across all categories. Earn 5 points per dollar spent on eligible grocery and restaurant purchases. The 5 points per dollar accumulation is valid for the first $2,500 of gross monthly purchases charged to the account. Beyond this amount, eligible grocery and restaurant spending will earn 2 points per dollar. The calculation of the gross monthly purchase amount is based on monthly billing. A grocery purchase means a purchase made at a merchant whose primary business is selling food, such as a grocery store, delicatessen, supermarket, fruit store, or specialty food store. Meal kit subscriptions and meal delivery services are eligible. Therefore, this definition excludes, among others, retail stores and big-box stores whose primary business is selling non-food items. Some merchants may sell products or services identical or similar to those of eligible merchants, or are separate merchants located on the same premises as eligible merchants, but are classified by Mastercard in different categories. Purchases made from other merchants only earn base reward points. A restaurant purchase means a purchase made at a restaurant, including quick-service restaurants, bars, discotheques, nightclubs, and taverns. To view the full list of Mastercard codes associated with eligible merchants, download the À la carte Rewards Plan^® terms and conditions document.
7. These protections apply if the purchases or rental are paid for in part with the card before departure, except, if applicable, for out-of-province medical-hospital insurance for which it is not necessary to charge the purchase of an à la carte trip and for baggage delay protection where the full cost of transport must have been charged to the card. All these protections apply to the primary cardholder, their spouse and/or their dependent children when they (spouse and dependent children) travel with the cardholder. Extended warranties apply to most new items purchased with the card, in Canada or abroad, provided the manufacturer’s warranty exists and is valid in Canada. Certain conditions, limitations and restrictions apply. For more information and details regarding your insurance coverage, please consult the insurance certificate linked to your card.
8. Subject to credit approval by National Bank.
9. Certain conditions apply. Visit mastercard.ca for more information. See all credit card terms and conditions.
10. To earn 2 points per dollar spent, you must pay for your gas or electric charging purchases at a gas station or certain big-box stores. Some merchants may sell products or services identical or similar to those of eligible merchants, or are separate merchants located on the same premises as eligible merchants, but are classified by Mastercard in different categories. Purchases made from other merchants only earn base reward points. To view the full list of Mastercard codes associated with eligible merchants, download the À la carte Rewards Plan^® terms and conditions document.
11. Recurring bill payments are defined as payments made monthly or regularly that are automatically charged by the merchant to your National Bank World Elite Mastercard. Not all merchants offer recurring payments, and not all recurring payments are considered recurring bill payments. Therefore, some payments may not qualify for accelerated reward points.
12. To earn 2 points per dollar spent, you must pay for your eligible purchases through the À la carte Travel^TM agency section of our À la carte Rewards^TM site.
13. For example, if you spend $400 monthly on groceries, $200 on gas, $100 on recurring bills and $150 on other purchases, the $850 spent will generate 2,750 points, broken down as follows: 2,000 points for grocery spending (since the total gross monthly amount is $850, which is less than $2,500), 400 points for gas spending, 200 points for recurring bills and 150 points for other purchases.
14. Insurance up to $1,000 in case of breakage, loss or theft of mobile devices for a maximum period of 2 years following the date of purchase. Subject to purchasing the device with the National Bank World Elite Mastercard or a phone service subscription paid by recurring payments from your National Bank Platinum Mastercard starting September 1, 2022. For all conditions, please consult the insurance certificate linked to your card.