Consolidated Terms and Conditions

The following definitions apply to these Terms and Conditions:

• “Cardholder” means the credit card holder
• “Cycles” refer to the credit card’s billing cycles
• “Promotional Period” refers to the period from July 1, 2020 to October 31, 2020 inclusive of spend, first qualified net purchase and activation bonuses. 
• “Spend Bonus Period” refers to the period in which the predetermined spend threshold should be met
• “Activation” means the moment at which the client activates his/her credit card
• “Promotion” refers to this promotion and not any of the Bank’s other promotions or programs
• “Eligible” refers to any individual qualified to participate in this promotion
• “First Purchase Bonus” refers to the bonus a customer gets when the first qualified net purchase is made any time with his/her credit card
• “Spend Bonus” refers to the bonus a customer gets when a predetermined spend threshold is met during the spend bonus period with his/her credit card
• “Net purchases” refers to purchases minus returns/credits and does not include cash advances, balance transfers, credit card cheques, any fees and/or finance charges.
• "Scotiabank" or “Bank” means Scotiabank & Trust (Cayman) Ltd, Scotiabank Trinidad and Tobago Limited, Scotiabank (Bahamas) Limited, Scotiabank (Barbados) Limited, Scotiabank (Belize), The Bank of Nova Scotia Jamaica Ltd, The Bank of Nova Scotia Guyana and Scotiabank (Turks & Caicos) Ltd.

This Promotion is opened to legal residents of the Cayman Islands, Trinidad & Tobago, Bahamas, Barbados, Belize, Jamaica, Guyana and Turks & Caicos who are 18 years of age or older. These terms and conditions shall be governed by the applicable laws of the named countries.

Promotion will award new Scotiabank credit cardholders with the promotional benefits as detailed in the chart below for each country listed above. 

The transactional reward will be based on net purchases made and posted to the Scotiabank credit card account based on the following account booking date and that there is an approved and open account in the Scotiabank system:

• Group #1: Booked as of July 31, 2020
• Group #2: Booked as of August 31, 2020
• Group #3: Booked as of September 30, 2020
• Group #4: Booked as of October 31, 2020

This bonus will be provided as a result of activation and typical usage of the Scotiabank credit card. 

New Cardholders who qualify for this Promotion will receive the above-mentioned rewards depending on the date when the new account was booked in the Scotiabank system, as follows:

1.  Group #1: For all new accounts booked and shown in the Scotiabank system with Open Account Date between July 1 and July 31, 2020 inclusive, the spend period to be eligible for the Spend Bonus will end October 31, 2020 and the credit will appear on the Cardholder's credit card statement by December 31, 2020.

2.  Group #2: For all new accounts booked and shown in the Scotiabank system with Open Account Date between August 1 and August 31, 2020 inclusive, the spend period to be eligible for the Spend Bonus will end November 30, 2020 and the credit will ill appear on the Cardholder's credit card statement by January 31, 2021.

3.  Group #3: For all new accounts booked and shown in the Scotiabank system with Open Account Date between September 1 and September 30, 2020 inclusive, the spend period to be eligible for the Spend Bonus will end December 31, 2020 and the credit will by February 28, 2021.

4.  Group #4: For all new accounts booked and shown in the Scotiabank system with Open Account Date between October 1 and October 30, 2020 inclusive, the spend period to be eligible for the Spend Bonus will end January 30, 2021 and the credit will appear on the Cardholder's credit card statement by March 31, 2021.

In order to be eligible to receive the above-mentioned rewards, the new Cardholder's credit card must be in good standing and must not have been blocked, frozen, stolen or fraudulently obtained, mislaid, lost or written-off, or delinquent, as of the following dates:

• Group #1: As of July 31, 2020
• Group #2: As of August 31, 2020
• Group #3: As of September 30, 2020
• Group #4: As of October 31, 2020

This Promotion is a limited-time promotion which will run from July 1, 2020 to October 31, 2020 inclusive.

The Promotion does not apply to switches or upgrades.

• Existing Scotiabank credit cardholders are not eligible for this Promotion. Former Scotiabank credit cardholders who have cancelled their cards within the last 12 months will not be eligible for this Promotion when they re-apply for a Scotiabank credit card during the Promotional Period. (Non-eligibility is considered for the 12-month duration following the last date of credit card account cancellation.)
• Scotiabank reserves the right to determine which purchases qualify for a Bonus.
• A Cardholder’s benefit earned through participation in this Promotion will be forfeited in the event that the cardholder ceases to be a Cardholder at any time during the Promotion or transactions done, using the card, during the promotion period are reversed.

In all matters relating to these promotions, the decision of the Bank shall be final and binding in all respects.

Scotiabank has the right to exclude any individual from this offer in its absolute discretion without any obligation to provide notice or reason.

Scotiabank reserves the right in its absolute discretion to vary the terms and conditions of this Promotion or change or withdraw this Promotion at any time without giving any reason. In the event of a dispute arising from this Promotion, the Bank’s decision is final.

These terms and conditions apply only to this Promotion and do not apply to any of the Bank’s other promotions or programs or any other promotion or program in conjunction with the Bank and any other entity or brand.

For more information, visit the website of your country.