Welcome to Scotia Rewards®
Welcome to Scotia Rewards®
The Scotia Rewards program is a flexible rewards program. It is based on a points system where Scotia Rewards Cardmembers earn Scotia Rewards points on purchases charged to their Program Card Account, and can redeem the Scotia Rewards points earned for a variety of rewards. Points are not earned on cash advances, balance transfers, Scotia® Credit Card Cheques, returns, refunds and other similar credits, payments, interest or other charges. Learn more about the Program or for full details please refer to your terms and conditions.
With the Scotia Rewards program, you can redeem your Scotia Rewards points for thousands of rewards. Choose from an extensive variety of rewards and redeem your points easily online.
Visit our Redeem Now section for more information.
The Scotia Rewards Program is automatically available at no additional cost to Cardmembers with Program Card Accounts in good standing2 who hold a:
It depends on which Program Card you hold. For full details please refer to your Program Card1 Terms and Conditions.
There is no expiry date on your Scotia Rewards points however, your Account must be in good standing2 to earn and redeem your points. If you close your Account, you have up to sixty (60) days to redeem any unredeemed Scotia Rewards points. Past 60 days, unredeemed points are forfeited. For full details please refer to the Terms and Conditions.
Visit scotiarewards.com and click 'Login', located in the top right area of your screen. When you login, you will be directed to sign in using your Scotia OnLine username and password. If you haven’t signed up for Scotiabank online and mobile banking yet, there are easy steps you can follow. Simply click 'Login' to begin.
Alternatively, you can sign in directly through your Scotia OnLine Account and navigate to Scotia Rewards.
In addition to using your Program Card1 for your everyday purchases, here are a few other easy ways you can earn Scotia Rewards points faster:
And remember to check the Offer Zone regularly for special offers.
You can find contact details listed under ‘Contact Us’ at scotiarewards.com.
You can also click here to send a question or feedback, or to find relevant phone numbers and hours of operation.
If you have more than one Scotia Rewards Credit Card or Debit Card, you can transfer your Scotia Rewards points between those Cards, as long as your accounts are in good standing2.
You can also convert your Scotia Rewards points to SCENE® points and vice versa.
You cannot transfer your Scotia Rewards points to another person's account.
If you have more than one Card that earns Scotia Rewards points, you may combine the accumulated points instead of having your points spread over several cards, provided both your Accounts are in good standing2, you are the owner of both Accounts, and the Primary Cardmember's (and Co-Borrower if applicable) name and address are the same on both Accounts. For full details please refer to the Terms and Conditions of the Scotia Rewards Program.
You can make a one-time transfer (immediate) or an automatic transfer (takes 1-2 business days). You can visit the Transfer Points page under 'My Account' at any time to do this.
It’s simple; you can convert your Scotia Rewards points to SCENE points and vice versa by selecting the “Scotia Rewards Points Conversion” redemption option.
Visit the Redeem Now tab on the Scotia Rewards website and then click on Points Conversion.
Click here to visit the Points Conversion page.
The conversion of Scotia Rewards points into SCENE points or vice versa will occur immediately and will appear in your Account right away. Conversion of points once submitted is final and may not be reversed or cancelled.
You can use SCENE points for free movies, meals and more. Visit scene.ca for details.
In order to provide more redemption options to Cardmembers, you have the flexibility to redeem merchandise from the traditional Scotia Rewards catalogue or merchandise from the Apple and Best Buy catalogues.
Rewards available in the Apple and Best Buy catalogues are typically the items which are available through Apple and Best Buy.
You can find all of these options by clicking here.
Provided the return or replacement meets the Scotia Rewards Terms and Conditions, you may initiate a return or replacement. The process and policies vary depending on the catalogue that you ordered your reward from.
To initiate a return or replacement you can call the Scotia Rewards centre at 1-800-665-2582.
Please refer to the table below for timeframes within which you would need to initiate a return or replacement. This timeframe is specific to each catalogue:
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Apple |
Best Buy |
More Merchandise |
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To initiate the replacement process, you must contact the Scotia Rewards Centre to determine your eligibility within fifteen (15) days of receiving the item. |
To initiate the replacement process, you must contact the Scotia Rewards Centre to determine your eligibility within fourteen (14) days of receiving a computer and within thirty (30) days of receiving all other items. |
Initiate the return process within 10 days of receiving the item for electronics or jewelry and within 30 days for most other merchandise rewards. Note: some jewelry (example: earrings) will not be accepted for return. |
After speaking with the Scotia Rewards Centre and determining if your redemption is eligible for a return or replacement, you will receive shipping instructions. You must ship the item back within 10 calendar days.
Certain items will not be accepted for return or exchange. For full details please refer to the Program Terms and Conditions.
If an item is non-refundable, but is defective, please notify the Scotia Rewards Centre at 1-800-665-2582 and we will provide you with contact information to have the item repaired or exchanged.
Make sure to inspect the delivered item as soon as you receive it. If the item arrives damaged or is missing pieces, please contact Scotia Rewards Centre immediately at 1-800-665-2582 and save the packing materials for inspection and possible return. This must be done within 48 hours of delivery receipt.
All merchandise items listed online or in the Scotia Rewards® catalogues are subject to availability:
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Apple |
Best Buy |
More Merchandise |
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Discontinued Item |
If items ordered from either of these catalogues are discontinued, it will result in the cancellation of the item(s) from the order and the Scotia Rewards points (and/or charge to your Scotiabank Program Card) will be credited back to your Account. |
If an item is discontinued, a similar item of equal or greater value will be substituted whenever possible. If a suitable item is not available the Scotia Rewards points will be credited back to your Account and we will contact you to ask that you make another selection. |
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Out of stock item |
If an item is temporarily out of stock, we will notify you and advise you of the anticipated delivery date. |
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Backordered item |
If an item is backordered, Scotia Rewards will notify you. You can choose to wait for your item or to cancel the order at that point. If you choose to cancel your order, all Scotia Rewards points redeemed will be returned to your Account. If the item is backordered and your order has been outstanding for more than 21 days, your order will be cancelled and all Scotia Rewards points redeemed (and/or charges to your Scotiabank Program Card) will be returned to your Account. |
If an item is backordered, Scotia Rewards will notify you. You can choose to wait for your item or to cancel the order at that point. If you choose to cancel your order, all Scotia Rewards points redeemed will be returned to your Account. |
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With as little as 3,000 Scotia Rewards points, you can benefit from this redemption offering. There is a wide range of denominations that you can choose from.
To learn more please visit the Redeem Now page and select Scotia Rewards Points for Credit.
You can add multiple tiers of Scotia Rewards Points for Credit (example: you can add $20 to your cart and then add an additional $100 to your cart).
If you would like to add multiple units of the same tier (example: 2 x $20), you can do so within your shopping cart.
To learn more please visit the Redeem Now page and select Scotia Rewards Points for Credit.
The redemption policies vary depending on the catalogue that you ordered the merchandise from.
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Apple |
Best Buy |
More Merchandise |
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Pay with Scotia Rewards points (minimum 20% of the total cost of your redemption) and cover the remaining balance with your Program Card1. |
Pay with your Scotia Rewards points only. |
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Note: a charge to the Program Card will only be an available payment option if you have insufficient Scotia Rewards points.
You have the flexibility to choose to have your Best Buy order delivered to a specified address, or you may select to pick-up your order in a Best Buy Store, when this option is available.
Your Best Buy item(s) can be delivered to Canadian street addresses only (deliveries cannot be made to PO Boxes, U.S. addresses or other International addresses).
Alternatively, you can reserve your item online for pick-up in a Best Buy Store (“Reserve and Pick Up”), if the option is available. When browsing the catalogue, you can identify the items that are available for “Reserve and Pick Up” and select this option during checkout.
No problem! You can use your Scotia Rewards Program Card1 to pay for the remaining balance on your Best Buy item (up to a maximum of 80% top-up.)
In order to redeem from the Best Buy catalogue, you must redeem a minimum of 20% of the item's total value in Scotia Rewards points. You can use your Scotia Rewards Program Card1 to pay for the remaining 80% if needed.
For example: If you would like to make a redemption from the Best Buy catalogue that requires a total value of 6,000 Scotia Rewards points, you will need at least 1,200 Scotia Rewards points. For the remaining 4,800 Scotia Rewards points required, you must first use any remaining Scotia Rewards points you have accumulated and any difference can be covered using your Scotia Rewards Program Card1.
After you've reserved an item(s) online for pick up, you will receive an email confirmation of your order. Once your item is ready for in-store pick up, you will receive a second email with your e-Gift Certificate and the item(s) can then be collected at your selected Best Buy Store.
You will have twenty-four (24) hours to retrieve your item(s) from the selected Best Buy store using your e-Gift Certificate. If the order is not picked up in this time period, the item(s) is no longer guaranteed to be reserved at the selected Best Buy store.
If the item is still in store after the 24 hour time period has elapsed, you can still use the e-Gift Certificate for the item(s). You may also use your e-Gift Certificate to purchase any other item(s) in the store or retain it and use it for a future purchase at Best Buy as the e-Gift Certificate does not expire!
If you have received an incorrect or defective item, or an item that is missing parts you have thirty (30) days from the date of delivery to contact the Scotia Rewards Centre (1-800-665-2582) and initiate a replacement for the same item. For full details please refer to the Terms and Conditions.
Yes, you will have the same warranty.
No. Engraved Apple products cannot be returned.
No. You will need to purchase AppleCare Protection Plan or AppleCare in an Apple store, or by visiting the Apple Website. You will need to do so within sixty (60) days of purchasing your new Apple product from the catalogue.
Please visit Apple’s Website, an Apple Store, or contact AppleCare Technical Support if you are having technical issues with your new product.
Apple products cannot be returned. If an item is damaged, defective or is missing parts it may be eligible for replacement within fifteen (15) days after delivery provided that the item(s) is in new condition with all original packaging, packaging slips, and accessories. Please call the Scotia Rewards Centre at 1-800-665-2582 for replacement instructions or refer to the Terms and Conditions for full details.
Orders typically arrive within three (3) weeks from the order date. You can log in to scotiarewards.com to track your shipment by viewing your order history. Orders will only be delivered to Canadian street addresses and cannot be delivered to PO boxes, U.S. addresses or other international addresses.
No problem! You can use your Scotia Rewards Program Card1 to pay for the remaining balance on your Apple item (up to a maximum of 80% top-up.)
In order to redeem from the Apple catalogue, you must redeem a minimum of 20% of the item's total value in Scotia Rewards points. You can use your Scotia Rewards Program Card1 to pay for the remaining 80% if needed.
For example: If you would like to make a redemption from the Apple catalogue that requires a total value of 6,000 Scotia Rewards points, you will need at least 1,200 Scotia Rewards points. For the remaining 4,800 Scotia Rewards points required, you must first use any remaining Scotia Rewards points you have accumulated and any difference can be covered using your Scotia Rewards Program Card1.
Remember the Scotia Rewards Travel Service is made available to you through the Scotia Rewards Program. It is a travel service operated by a duly licensed third party Hogg Robinson Canada Inc.
No, you don’t have to use the Scotia Rewards Travel Service to book your travel and redeem points. To provide you with flexibility, the Scotia Rewards program offers two different travel-related options:
Scotia Rewards points are not just limited to air travel; you can also use them toward cruises, vacation packages, rail, car, hotel bookings, and other personalized travel. Best of all, you only need a minimum of 5,000 points to start redeeming for travel rewards.
For full details please visit the Scotia Rewards Travel Service Terms and Conditions or call 1-800-665-2582.
For travel to Cuba, customers can book their own travel, and then use the ‘Apply Points to Travel’ option in lieu of Scotia Rewards Travel Service.
You can speak to a Scotia Rewards Travel Service Representative 7 days a week from 8am-8pm (EST). Alternatively, you can access the Scotia Rewards Travel Service online booking tool 24 hours a day, 7 days a week, 365 days in the year!
Scotia Rewards Travel Service offers many benefits including their Best Price Guarantee on Airfare, exclusive travel deals, discounts on car, hotel, airfare, and instant Scotia Rewards point redemption at time of booking, to name a few. To experience the benefits for yourself, click here or call Scotia Rewards Travel Service to book your next trip.
For travel to Cuba, customers can book their own travel, and then use the ‘Apply Points to Travel’ option in lieu of Scotia Rewards Travel Service.
If, within 24 hours after completing an airline ticket purchase on the Scotia Rewards Travel Service site or with a Scotia Rewards Travel Service Representative, you find a price for the exact same itinerary that's at least $10 less, Scotia Rewards Travel Service will offer you a points credit equal to the price difference, per passenger. Additional terms, conditions and qualification requirements can be reviewed here.
Once you’ve determined that you have met the qualification requirements, simply follow a few easy steps as are outlined in the Best Price Guarantee on Airfare details to submit your claim.
For Scotia Rewards Credit Cards: If you’re booking travel with a Scotia Rewards Credit Card, you can pay with Scotia Rewards points and cover the remaining balance with your credit card.
For the Passport ScotiaCard, if you’re booking travel with your Passport ScotiaCard, you need to use points for the entire amount of your travel purchase.
The minimum point redemption is 5,000 points each time a redemption towards a travel purchase is made through the Scotia Rewards Travel Service.
You can change your travel booking by calling the Scotia Rewards Travel Service. A change fee will apply. This fee is subject to change and will be disclosed at the time of your call. You can use Scotia Rewards points to pay this fee.
If you need to cancel your travel booking, you must call the Scotia Rewards Travel Service. You will be directed to the travel supplier to complete the cancellation.
Changes and cancellations are not accepted online.
® Registered trademark of The Bank of Nova Scotia.
TM Trademark of The Bank of Nova Scotia.
* Visa Int. /Licensed User.
® American Express is a registered trademark of American Express. This credit card program is issued and administered by The Bank of Nova Scotia under license from American Express.
SCENE® and SCENE DesignTM are the trademarks of SCENE IP LP.
All brand names are the property of their respective owners.
1 Program Card: each of the following accounts can be defined as a “program card” Scotiabank PassportTM Visa Infinite* Card, Scotiabank PassportTM Visa Infinite Business* Card, ScotiaGold Passport® Visa* Card, ScotiaGold Passport® for business Visa* Card, Scotiabank®* Rewards Visa* Card, Scotiabank®* Platinum American Express® Card, Scotiabank®* Gold American Express® Card, Scotiabank®* American Express® Card, and Passport ScotiaCard®.
2 For Scotia Rewards Credit Cards, the Program Card Account and associated Program Card(s) is in good standing if the Account is not delinquent (past due) or over limit and the Cardmember(s) is not in breach of the Revolving Credit Agreement that applies to the Program Card Account. If the account is not in good standing, the accumulated Scotia Rewards points are not eligible for redemption. For Passport ScotiaCard: The account is considered in good standing as long as the eligible deposit account and card are both open. If the account is not in good standing, the accumulated Scotia Rewards points are not eligible for redemption.
