Terms & Conditions for Credit Cards
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 January 1, 2017 to March 31, 2017 inclusive
- "Spent 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
- "Spent Bonus" refers to the bonus a customer gets when a predetermined spend threshold is met during the spent bonus period with his/her credit card
- "Scotiabank" means Scotiabank Anguilla Limited, Scotiabank Antigua and Barbuda, Scotiabank (Bahamas) Limited, Scotiabank Barbados, Scotiabank (Belize) Limited, Scotiabank (British Virgin Islands) Limited, Scotiabank & Trust (Cayman) Limited, Scotiabank Dominica, Scotiabank Grenada, The Bank of Nova Scotia Guyana, The Bank of Nova Scotia (Jamaica) Limited, Scotiabank St. Kitts and Nevis, Scotiabank St Lucia, Scotiabank St. Maarten, Scotiabank St. Vincent & The Grenadines, Scotiabank Trinidad and Tobago Limited, Scotiabank (Turks & Caicos) Ltd
Welcome offer open to legal residents of Anguilla, Antigua & Barbuda, Bahamas, Barbados, Belize, British Virgin Islands, Cayman Islands, Dominica, Grenada, Guyana, Jamaica, St. Kitts & Nevis, St. Lucia, St. Maarten, St. Vincent & the Grenadines, Trinidad & Tobago, and Turks & Caicos 18 years of age or older. These terms and conditions shall be governed by the laws of Anguilla, Antigua & Barbuda, Bahamas, Barbados, Belize, British Virgin Islands, Cayman Islands, Dominica, Grenada, Guyana, Jamaica, St. Kitts & Nevis, St. Lucia, St. Maarten, St. Vincent & the Grenadines, Trinidad & Tobago, and Turks & Caicos
Scotiabank will award new Scotiabank credit cardholders with the promotional benefits as detailed in the chart below:
ANGUILLA
| Credit Card |
Reward |
| Scotiabank / AAdvantage® MasterCard® |
- Welcome Bonus of 3,000 AAdvantage® miles upon the first purchase of any amount
- Spent Bonus of 4,000 AAdvantage® miles when a cumulative amount of US$1,000 is spent (see timing in section Timing of Credit)
|
|
Scotiabank Gold MasterCard®
|
- Spent Bonus of US$40 when a cumulative amount of US$900 is spent (see timing in section Timing of Credit)
|
ANTIGUA & BARBUDA
| Credit Card |
Reward |
| Scotiabank / AAdvantage® MasterCard® |
- Welcome Bonus of 3,000 AAdvantage® miles upon the first purchase of any amount
- Spent Bonus of 4,000 AAdvantage® miles when a cumulative amount of XCD1,700 is spent (see timing in section Timing of Credit)
|
| Scotiabank Gold MasterCard® |
- Spent Bonus of XCD100 when a cumulative amount of XCD1,100 is spent (see timing in section Timing of Credit)
|
BAHAMAS
| Credit Card |
Reward |
| Scotiabank AERO* Platinum MasterCard® |
- Bonus of 3,000 Scotia Points upon the first purchase of any amount
- Spent Bonus of 7,000 Scotia Points when a cumulative amount of BSD$2,500 /US$2,500 is spent during the first 3 cycles from account open date
|
| Scotiabank Gold MasterCard® |
- Spent Bonus of BSD$40 when a cumulative amount of BSD$950 /US$950 is spent (see timing in section Timing of Credit)
|
| Scotiabank Visa AAdvantage® |
- Bonus of 3,000 AAdvantage® miles upon the first purchase of any amount
|
| Scotiabank Visa Classic |
- Spent Bonus of BSD$20 when a cumulative amount of BSD$200 /US$200 is spent (see timing in section Timing of Credit)
- Additional Card Bonus of BSD$10 when adding one or more supplementary cards (see timing in section Timing of Credit)
|
BARBADOS
| Credit Card |
Reward |
| Scotiabank / AAdvantage® MasterCard® |
- Bonus of 3,000 AAdvantage® miles upon the first purchase of any amount
- Bonus of 4,000 AAdvantage® miles when a cumulative amount of BBD1,900 is spent (see timing in section Timing of Credit).
|
| Scotiabank AERO* Platinum MasterCard® |
- Bonus of 3,000 Scotia Points upon the first purchase of any amount
- Bonus of 7,000 ScotiaPoints when a cumulative amount of BBD3,800 is spent within the first 3 cycles days from account open date
|
| Scotiabank MasterCard® |
- Bonus of BBD30 when a cumulative amount of BBD350 is spent (see timing in section Timing of Credit)
- Additional Card Bonus of BBD10 when adding one or more supplementary cards (see timing in section Timing of Credit)
|
| Scotiabank Gold MasterCard® |
- Bonus of BBD75 when a cumulative amount of BBD1,600 is spent (see timing in section Timing of Credit)
|
BELIZE
| Credit Card |
Threshold |
| Scotiabank AERO* Platinum MasterCard® |
- Bonus of 3,000 Scotia Points upon the first purchase of any amount
- Spent Bonus of 7,000 Scotia Points when a cumulative amount of BZD$5,500 is spent during the first 3 cycles from account open date
|
| Scotiabank Gold MasterCard® |
- Spent Bonus of BZD$80 when a cumulative amount of BZD$1,700 is spent (see timing in section Timing of Credit)
|
- Scotiabank MasterCard® AAdvantage®
|
- Bonus of 3,000 AAdvantage® miles upon the first purchase of any amount
|
BRITISH VIRGIN ISLANDS
| Credit Card |
Reward |
| Scotiabank / AAdvantage® MasterCard® |
- Bonus of 3,000 AAdvantage® miles upon the first purchase of any amount
- Spent Bonus of 2,000 AAdvantage® miles when a cumulative amount of US$1,000 is spent (see timing in section Timing of Credit)
- Additional Card Bonus of 2,000 AAdvantage® miles when adding one or more supplementary cards (see timing in section Timing of Credit)
|
|
Scotiabank Gold MasterCard®
|
- Spent Bonus of US$40 when a cumulative amount of US$800 is spent (see timing in section Timing of Credit)
|
CAYMAN ISLANDS
| Credit Card |
Threshold |
| Scotiabank / AAdvantage® MasterCard® |
- Bonus of 3,000 AAdvantage® miles upon the first purchase of any amount
- Spent Bonus of 2,000 AAdvantage® miles when a cumulative amount of USD$1,300 is spent (see timing in section Timing of Credit)
- Additional Card Bonus of 2,000 AAdvantage® miles when adding one or more supplementary cards (see timing in section Timing of Credit)
|
| Scotiabank Gold MasterCard® |
- Spent Bonus of USD$40 when a cumulative amount of USD$1,100 is spent (see timing in section Timing of Credit)
|
DOMINICA
| Credit Card |
Reward |
| Scotiabank / AAdvantage® MasterCard® |
- Welcome Bonus of 3,000 AAdvantage® miles upon the first purchase of any amount
- Spent Bonus of 4,000 AAdvantage® miles when a cumulative amount of XCD1,200 is spent (see timing in section Timing of Credit)
|
| Scotiabank Gold MasterCard® |
- Spent Bonus of XCD100 when a cumulative amount of XCD1,300 is spent (see timing in section Timing of Credit)
|
GRENADA
| Credit Card |
Reward |
| Scotiabank / AAdvantage® MasterCard® |
- Welcome Bonus of 3,000 AAdvantage® miles upon the first purchase of any amount
- Spent Bonus of 4,000 AAdvantage® miles when a cumulative amount of XCD1,800 is spent (see timing in section Timing of Credit)
|
| Scotiabank Gold MasterCard® |
- Spent Bonus of XCD100 when a cumulative amount of XCD1,100 is spent (see timing in section Timing of Credit)
|
GUYANA
| Credit Card |
Threshold |
| Scotiabank MasterCard® |
- Spent Bonus of GYD$3,000 when a cumulative amount of GYD$25,000 is spent (see timing in section Timing of Credit)
- Additional Card Bonus of GYD$1,000 when adding one or more supplementary cards (see timing in section Timing of Credit)
|
| Scotiabank Gold MasterCard® |
- Spent Bonus of GYD$8,000 when a cumulative amount of GYD$100,000 is spent (see timing in section Timing of Credit)
|
JAMAICA
| Credit Card Type |
Welcome Bonus Offer |
| Scotiabank AERO* Platinum MasterCard® |
- Bonus of 3,000 Scotia Points upon the first purchase of any amount
- Spent Bonus of 7,000 Scotia Points when a cumulative amount of JMD$300,000 is spent during the first 3 cycles from account open date
|
| Scotiabank Gold MasterCard® |
Spent Bonus of JMD$5,000 when a cumulative amount of JM$65,000 is spent (see timing in section Timing of Credit)
|
|
Scotiabank MAGNA MasterCard®
|
- Spent Bonus of 1,000 Magna Points when a cumulative amount of JMD$27,000 is spent (see timing in section Timing of Credit)
- Additional Card Bonus of 500 Magna Points when adding one or more supplementary cards (see timing in section Timing of Credit)
|
| Scotiabank Gold MasterCard®(USD) |
- Spent Bonus of US$30 when a cumulative amount of US$2,000 is spent (see timing in section Timing of Credit)
- Additional Card Bonus of US$10 when adding one or more supplementary cards (see timing in section Timing of Credit)
|
ST. KITTS & NEVIS
| Credit Card |
Reward |
| Scotiabank / AAdvantage® MasterCard® |
- Welcome Bonus of 3,000 AAdvantage® miles upon the first purchase of any amount
- Spent Bonus of 4,000 AAdvantage® miles when a cumulative amount of XCD2,500 is spent (see timing in section Timing of Credit)
|
| Scotiabank Gold MasterCard® |
- Spent Bonus of XCD100 when a cumulative amount of XCD1,400 is spent (see timing in section Timing of Credit)
|
ST. LUCIA
| Credit Card |
Reward |
| Scotiabank / AAdvantage® MasterCard® |
- Welcome Bonus of 3,000 AAdvantage® miles upon the first purchase of any amount
- Spent Bonus of 4,000 AAdvantage® miles when a cumulative amount of XCD1,40 is spent (see timing in section Timing of Credit)
|
| Scotiabank Gold MasterCard® |
- Spent Bonus of XCD100 when a cumulative amount of XCD900 is spent (see timing in section Timing of Credit)
|
ST. MAARTEN
| Credit Card |
Reward |
| Scotiabank MasterCard® |
- Spent Bonus of US$15 when a cumulative amount of US$170 is spent (see timing in section Timing of Credit)
- Additional Card Bonus of US$5 when adding one or more supplementary cards (see timing in section Timing of Credit)
|
| Scotiabank Gold MasterCard® |
- Spent Bonus of US$70 when a cumulative amount of US$750 is spent (see timing in section Timing of Credit)
|
ST. VINCENT
| Credit Card |
Reward |
| Scotiabank / AAdvantage® MasterCard® |
- Welcome Bonus of 3,000 AAdvantage® miles upon the first purchase of any amount
- Spent Bonus of 4,000 AAdvantage® miles when a cumulative amount of XCD1,500 is spent (see timing in section Timing of Credit)
|
| Scotiabank Gold MasterCard® |
- Spent Bonus of XCD100 when a cumulative amount of XCD1,000 is spent (see timing in section Timing of Credit)
|
TRINIDAD & TOBAGO
| Credit Card |
Reward |
| Scotiabank Gold MasterCard® |
- Spent Bonus of TTD275 when a cumulative amount of TTD4,000 is spent (see timing in section Timing of Credit)
|
| Scotiabank MAGNA MasterCard® |
- Spent Bonus of 1,000 Magna Points when a cumulative amount of TTD1,300 is spent (see timing in section Timing of Credit)
- Additional Card Bonus of 500 Magna Points when adding one or more supplementary cards (see timing in section Timing of Credit)
|
| Scotiabank AERO* Platinum Visa® |
- First Purchase Bonus of 3,000 Scotia Points upon the first purchase of any amount
- Spent Bonus of 7,000 Scotia Points when a cumulative amount of TTD13,000 is spent during the first 3 cycles from account open date
|
TURKS & CAICOS
| Credit Card |
Reward |
| Scotiabank AERO* Platinum MasterCard® |
- Bonus of 3,000 Scotia Points upon the first purchase of any amount
- Spent Bonus of 7,000 Scotia Points when a cumulative amount of US$1,700 is spent during the first 3 cycles from account open date
|
| Scotiabank Gold MasterCard® |
- Spent Bonus of US$40 when a cumulative amount of US$600 is spent (see timing in section Timing of Credit)
|
| Scotiabank MasterCard® AAdvantage® |
- Bonus of 3,000 AAdvantage® miles upon the first purchase of any amount
|
The transactional reward will be based on net purchases made and posted to the Scotiabank credit card account based on the following date:
- Group #1 : As of March 31, 2017
- Group #2 : As of April 30, 2017
- Group #3 : As of May 31, 2017
This bonus will be rewarded in addition to any standard bonus provided as a result of activation and typical usage of the Scotiabank credit card with the exception of Scotiabank / AAdvantage® MasterCard® which shows the standard bonus in the chart above only for reference purposes in order for the customer to view the full product offer
Timing of Credit
New cardholders who qualify for this offer will receive the above mentioned rewards depending on the date when the new account was booked in the Scotiabank system, as follows:
- Group #1 : For all new accounts booked and shown in the Scotiabank system with Open Account Date between January 1 and January 31, 2017 inclusive, the spent period to be eligible for the Spent Bonus will end March 31, 2017 and the credit will take place by May 31 ,2017. Such credit will appear on the cardholder's credit card statement within 60 days of May 31, 2017
- Group #2 : For all new accounts booked and shown in the Scotiabank system with Open Account Date between February 1 and February 28, 2017 inclusive, the spent period to be eligible for the Spent Bonus will end April 30, 2017 and the credit will take place by June 30, 2017. Such credit will appear on the cardholder's credit card statement within 60 days of June 30, 2017
- Group #3 : For all new accounts booked and shown in the Scotiabank system with Open Account Date between March 1 and March 31, 2017 inclusive, the spent period to be eligible for the Spent Bonus will end May 31, 2017 and the credit will take place by July 31, 2017. Such credit will appear on the cardholder's credit card statement within 60 days of July 31, 2017
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 March 31, 2017
- Group #2 : As of April 30, 2017
- Group #3 : As of May 31, 2017
This is a limited-time promotion which will run from January 1, 2017 to March 31, 2017 inclusive ("the promotional period").
To qualify for this promotional offer, all applications must be submitted by March 31, 2017.
Offer does not apply to switches or upgrades.
Existing Scotiabank credit cardholders are not eligible for this offer. Former Scotiabank credit cardholders who have cancelled their cards within the last 12 months will not be eligible for this offer when they re-apply for a Scotiabank credit card during the offer period. (Non-eligibility is considered for the 12-month duration following the last date of credit card account cancellation.)
The Bank reserves the right to determine which purchases qualify for this Bonus. Net purchases means purchases minus returns/credits and does not include cash advances, balance transfers, credit card cheques, any fees and/or finance charges.
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 transaction on the card is reversed.
In all matters relating to the promotion, 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. Cardholders who participate in this promotion will have to maintain their Scotiabank credit card for a minimum period of 12 months from card account open date.
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 promotional offer, 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.
* Trademark of The Bank of Nova Scotia, used under license.
® MasterCard is a registered trademark of MasterCard International Incorporated.
® Visa is a registered trademark of Visa International Incorporated.
American Airlines ® reserves the right to change AAdvantage® program rules, regulations, travel awards and special offers at any time without notice, and to end the AAdvantage® program with six months notice. Any such changes may affect your ability to use the awards or mileage credits that you have accumulated. Unless specified, AAdvantage ® miles earned through this promotion/offer do not count toward elite-status qualification or Million MilerSM tatus. American Airlines ® is not responsible for products or services offered by other participating companies. For complete details about the AAdvantage® program, visit www.aa.com/aadvantage. Scotiabank issues the Scotiabank/AAdvantage® card.
American Airlines ® , AAdvantage ® and Million Miler are trademarks of American Airlines, Inc.
‡ Conditions apply. Subject to credit approval.
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