Scotiabank Passport® Visa Infinite Privilege* Card

Offer Description and Conditions: The 100,000 Bonus Scene+ Points Offer (the “Offer”) applies only to new Scotiabank Passport® Visa Infinite Privilege* credit card accounts (“Account”) opened between May 1, 2026 and November 1, 2026 (regardless of the date you apply for the Account) and is subject to the conditions below. To qualify for 30,000 bonus Scene+ points (the “30,000 Point Bonus”), you must have at least $3,000 in eligible purchases posted to your new Account in the first 3 months of the Account open date. To qualify for an additional 30,000 bonus Scene+ points (the “Additional 30,000 Point Bonus”), you must have at least $20,000 in eligible purchases posted to your new Account in the first 6 months of the Account open date. To qualify for an additional 20,000 bonus Scene+ points (the “Additional 20,000 Point Bonus”), you must make at least one eligible purchase that is posted to your new Account during the 14th month after the month the Account was opened. 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.

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 30,000 Point Bonus and Additional 45,000 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., $3,000 or $20,000) in the appropriate time frame (i.e., first 3 months or first 6 months), and (ii) the Additional 25,000 Point Bonus will be credited to the Scene+ account linked to the Account of the borrower that completed the first transaction that qualifies as an eligible purchase during the 14th month after the month the Account was opened. If a supplementary cardholder completes the last qualifying transaction to meet the qualifying amount of eligible purchases for the 30,000 Point Bonus or the Additional 45,000 Point Bonus, or completes the first transaction that qualifies for the Additional 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 Scene+ Program Terms continue to apply during the Offer period. Offer may be changed, cancelled or extended at any time without notice and cannot be combined with any other offers.

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 $599 for the primary card and $199 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 (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.

To qualify for this Offer make sure to open a new Scotiabank Passport® Visa Infinite Privilege* credit card account (“Account”) between January 2, 2026 and April 30, 2026.

To qualify for up to 100,000 bonus Scene+ points:
1. Earn 30,000 bonus Scene+ points by making at least $3,000 in everyday eligible purchases in your first 3 months.
2. Earn an additional 45,000 bonus Scene+ points when you spend at least $20,000 in everyday eligible purchases in your first 6 months.
3. Earn an additional 25,000 bonus Scene+ points when you make at least one eligible purchase that is posted to your new Account during the 14th month after the month the Account was opened.

Once you qualify, we’ll credit the applicable Scene+ membership account in up to 3 instalments:
1. 30,000 bonus Scene+ points will be credited to the applicable Scene+ membership account within 8 weeks after the qualifying $3,000 in eligible purchases being posted to your Account within the first 3 months of Account opening.
2. If you qualify, an additional 45,000 bonus Scene+ points will be credited to the applicable Scene+ membership account within approximately 8 weeks after you have met the $20,000 spend threshold in your Account within the first 6 months of Account opening.
3. If you qualify, an additional 25,000 bonus Scene+ points will be credited to the applicable Scene+ membership account within approximately 8 weeks after the first eligible purchase has been posted to your new Account during the 14th month after the month the Account was opened.

Note: For joint Accounts, the applicable 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 in the case of the 30,000 Point Bonus and the Additional 45,000 Point Bonus. In the case of the Additional 25,000 Point Bonus, the bonus will be credited to the Scene+ account linked to the Account of the borrower that completed the first transaction that qualifies as an eligible purchase posted to the Account during the 14th month after the month the Account was opened. However, if the qualifying purchase for any bonus is completed by a supplementary cardholder, in all cases the applicable bonus will be credited to the Primary Borrower’s Scene+ account linked to the Account.

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 this offer.

See terms and conditions below for full details.