Customers of Scotiabank enjoy a selection of products such as ESPs, RSPs, savings accounts, credit cards, and mortgage loans. Cards come in different versions, including Scotiabank student credit card , low interest, cashback, and others.

Beneficial Features

Scotiabank features cards by American Express and Visa and offers perks such as travel benefits, special promotions, extended interest-free periods, and many others. Points are redeemable for merchandise such as disc players, briefcases, home entertainment systems, bangles and necklaces, LED smart TVs, and other merchandise.

There are different rewards categories to choose from, including investment and credits, gift certificates, and others. Scotiabank offers a rewards program that features cash back, travel benefits, and rewards points redeemable for digital cameras, watches, binoculars, tablets, and other electronics. An activity and sleep tracker, for instance, requires 16,700 rewards points. Recreational items such as medicine balls require around 11,000 points. The bank also offers a newsletter that features special offers and rewards. Scotiabank offers different premium cards with discounts on vacation and cruise packages. Participating hotels and chains offer complimentary suite upgrades, free nights, and other privileges. Business customers provide information such as

• average account balances,
• depreciation expenses, and
• annual net profits.

Customers who fail to meet the monthly payments are assessed penalty interest. Clients enjoy VIP access to music festivals, major events, and private style consultants. Customers are also offered lounge access with conference space and complimentary refreshments and snacks.

The bank also offers the option to register, choose from hundreds of rewards options, and check your points balance. Additional cards with no annual fees can be requested for the ScotiaHockey Visa, SCENE Visa, and other cards . There is an option to transfer existing retail and gas card balances. Some cards go with an introductory rate that is as low as 0.99 percent.

The Bank of Nova Scotia features premium business cards that earn cash back on insurance, internet, and other payments. Business cards feature added benefits such as flexible repayment schedules, personalized checks, and attractive discounts at participating merchants. Retailers offer discounts of 3 to 25 percent, and it is free to enroll. Secured credit cards are also offered, for example, ScotiaGold Passport which goes with credit and investment vouchers, gift certificates, brand-name merchandise, and unrestricted and flexible travel options. One of the main benefits is the option to consolidate payments.