Shop your way to Singapore 

The following definitions apply to these Terms and Conditions:

• “Cardholder” means the primary cardholder of an eligible Scotiabank retail credit card.
• “Promotional Period” refers to the period from September 1, 2025 to November 23, 2025,
• “Promotion” refers to this promotion and not any of Scotiabank’s other promotions or programs.
• “Eligible” refers to qualification to receive and open an email invitation from Mastercard® to participate in the campaign. If the Cardholder does not receive and opens an email invitation from Mastercard®, they will not be eligible to participate in the campaign, regardless of reaching the spend goal.
• "Purchases" means any retail, internet purchase, phone or mail order purchase or Point of Sale transaction. 
• “Local Eligible Purchases/Transactions” means any retail, internet, phone or mail order purchase or Point of Sale transaction (not including returns/credits or any fees and/or bank charges) made inside the country.
• “International Purchase” means any retail purchase made with a foreign vendor (a foreign vendor is an entity located and operating outside of the country in which the card was issued).
• "Spend Goal” refers to the minimum predetermined amount, that will be shared with selected Cardholders by way of email, and which must be met by making eligible purchases or transactions using their eligible credit card.
• “Prize” refers to the Travel Package the cardholder has a chance to win by participating in the promotion.
• “Travel Package” refers to the travel destination option available to the winner, which is Singapore City, Singapore.
• “Good standing” means the account should not be overlimit or past due any amount during the promotion period.
• “Eligible credit cards” refers only to Scotiabank retail Mastercard credit cards. Transactions made using a Scotiabank Small Business or Corporate credit cards are excluded from this Promotion. Other Scotiabank retail credit cards are not eligible for this promotion.
• "Scotiabank" or “Bank” means  Scotiabank (Bahamas) Limited.

This Promotion is open to legal residents of Bahamas who are 18 years of age or older. These terms and conditions shall be governed by the applicable laws of the named country.

During the Promotional Period, Cardholders from the different countries will be entitled to receive one (1) entry for each occasion the spend goal is achieved during the Promotional Period. Cardholders will receive two (2) entries for each of the following during the Promotional Period:

• International Purchases.
• Purchases through any courier or food delivery apps.

There is no limit on the number of entries a Cardholder may receive during the Promotional Period. 

The goal will be communicated individually to each client by email:

• Example: With a spend goal of BS$300; at the end of the promotional period if a client has made three (3) purchases: One for BS$300, another for BS400 and an International Purchase of BS$150. This customer will receive four (4) entries to participate for the prize – one entry each for the spend of BSD$300 and BSD$400 and two entries for the International Purchase of BSD$150.

The minimum spending requirement for each country is inclusive of Value Added Tax and/or such other Government taxes as applicable in the jurisdiction where the transaction is processed.

• One (1) Cardholder only from each of the participating countries will be selected to win the prize.
• The Cardholder will earn an entry to win the Prize for each time they achieve the spend goal by making Eligible Transactions during the Promotional Period.
• The draw for the Prize will be done on December 19, 2025, and winners contacted by the Products Team for the participating countries.
• The allotted number of winners will be randomly selected from an electronic customer database with qualifying entries using a randomizer.  A total of four (4) back up winners per country will be drawn winners.

• Each winning Cardholder in all the countries involved in this promotion will receive a travel package, which must be used by the winner and a companion of their choice (total of 2 persons).
• The winning Cardholder will win a travel package to City of Singapore, Singapore.
• Scotiabank will be responsible for providing the following details of the trip thereafter:
  • Date of travel
  • The specific hotel for accommodations
  • The flight carrier that will transport the winner to and from Singapore
  • The number of nights spent in Singapore.
• Once the travel details above are finalised and defined, it will be shared with the Betting Gaming and Lotteries Commission.
• The winning Cardholder must be one (1) of the two (2) travelers.
• The trip will be for the Cardholder and one (1) person of the Cardholder’s choice.
• The Cardholder and the person of the Cardholder’s choice must be 18 years or older.

• Round trip airfares to destination: City of Singapore, Singapore, for one (1) winner and one (1) winner guest, to travel before March 31, 2026.
• Transportation to and from the airport in Singapore, for two (2).
• The “Travel Package” includes accommodations in one (1) room for two (2) adults at a hotel selected by the Bank, at the destination during the six (6) days and five (5) nights of the trip.
• Transportation for all activities included within the “Travel Package”.
• Breakfast daily for two (2).
• 1 Standard baggage (23kg) per person.
• Scotiabank will be responsible for excursions/activities for two (2).
• The “Travel Package” cannot be redeemed or exchanged.
• The “Travel Package” is only valid for travel before March 31, 2026.
• This is a single-use Travel Package. Any unused portion of the Package is forfeited and is not redeemable for cash or other forms of credit.
• The prize is not transferable.
• The winner and the winner’s guest are responsible for complying and/or meeting the needed requirements to access selected Nation or Territory. No Assistance with respect to Passport, Visa or any other travel document processing and application services or fees will be provided; and should not be expected/considered as part of the prize.
• The value of the travel package is USD$18,000 per country.

The trip will take place before March 31, 2026. The bank reserves the right to make amendments to the period of travel at its discretion with prior approval from the Gaming Board of The Bahamas.

• Number of winners per country is also noted in table below

• This Promotion is open to legal residents of The Bahamas aged 18 years of age or older, who open and activate a new Scotiabank credit card with the exception of employees of the Bank, its respective parent companies (The Bank of Nova Scotia and Bank of Nova Scotia Group), subsidiaries, advertising and promotional agencies; their immediate family members (spouses, parents, children, siblings and their respective spouses) and/or those living in the same household as any of these employees.
• There are no limits to the number of entries a Cardholder may receive.
• Transactions from unauthorized credit card use or those made with lost, stolen, or fraudulent Scotiabank credit cards will be considered void in the matter of this Promotion.  

• Attempts to notify each winner will be made by telephone, three (3) times within three (3) business days from the date of the draw. Should the Bank be unable to speak to the winner by telephone within the aforementioned period another winner will be drawn from the backup winners in their stead. After being notified by telephone, an email will be sent to the winner. The winner will then be required to provide proof of their age and sign an Affidavit of Eligibility/Prize Acceptance and Release within five (5) business days of the email notification to be confirmed as a winner. The winner will also be required to provide proof of ownership of the Scotiabank credit card that was used to win the prize.  A valid form of national identification must also be presented to collect the prize. For example, National ID card, Passport, or Driver’s License.
• If the winner declines or fails to fulfill these conditions to collect the prize, their eligibility will be voided, and another winner will be drawn from backup winners in the order in which they were selected. All unaccepted prizes will be retained by the Bank.
• Contact will be attempted using the Cardholder’s phone number as found in the Bank’s records. If the winner cannot be contacted by telephone within three (3) business days of the draw date the Bank has the right to offer the prize to the backup winner.
• The winners’ name may be published in the media. By accepting the prize the winner agrees to the use of their name and photographs without compensation in any forthcoming publicity by Scotiabank or the prize may be forfeited.
• The winner will be responsible for any entry visa, taxes, tips, insurance, travel requirements and expenses not explicitly stated as part of their prize, and must agree to release, discharge and hold harmless the Bank from and against any or all claims, losses, injuries or damages resulting from participation in this Promotion. If a Cardholder who is selected as a winner is unable to secure any entry or satisfy any applicable travel requirements for the destination city in advance of the prize trip, this will amount to a forfeiture of the prize and the Bank will proceed to select a new Cardholder from the list of backup winners drawn.
• The use of your Eligible credit card to make purchases together with your use of the Scotiabank Online Banking and Scotiabank Caribbean App to perform transactions in accordance with these terms and conditions constitute your consent to participate in this Promotion and your consent for The Bank to obtain your name, address and other information for the lawful purpose of administering this Promotion and for other uses as permitted by applicable law.  Scotiabank reserves the right, with consultation and approval from the relevant Gaming Commissions (as applicable) to void any and all entries of an entrant who Scotiabank believes has attempted to tamper with or impair the administration, security, fairness or proper play of this contest.
• Any Prize earned through participation in this Promotion will be forfeited in the event that the Cardholder ceases to be a Cardholder at any period from the beginning of the Promotion to draw time for this Promotion.
• Prizes are not transferable and are subject to change, with approval from the relevant Gaming Commissions (the Gaming Board for The Bahamas in The Bahamas) as applicable.
• Prizes must be accepted as awarded.
• Scotiabank will issue no representation or warranty in respect of the prize.
• Unclaimed prizes will remain the property of Scotiabank.

In all matters relating to this Promotion, the decision of the Bank shall be final and binding in all respects, subject to the approval from the relevant gaming authorities.

Subject to the approval from the relevant gaming authorities:

• With prior approval from the Gaming Board of The Bahamas, Scotiabank has the right to exclude any individual from this offer in its absolute discretion without any obligation to provide notice or reason.
• With prior approval from the Gaming Board of The Bahamas, 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, subject to the approval of the applicable gaming commission.

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.

To unsubscribe from receiving communications about and to opt out of this Promotion call our Contact Centre using the number on the back of your debit card.

For further details on Credit cards please visit www.bs.scotiabank.com

Authorized by the Gaming Board of The Bahamas
* Trademark of The Bank of Nova Scotia, used under license.