You deserve credit for the credit history you built back home
Take advantage of the credit score you've built in your home country to access a higher credit limit on your Scotiabank credit card1.
How it works
Scotiabank is the first bank in Canada to partner with Nova Credit2, a service that lets clients access their credit history from select home countries.1 Now you won’t have to start over when applying for a higher credit limit on your Scotiabank credit card. If you’re eligible, we can increase your credit limit to up to twice your current limit3.
A higher credit limit can help you:
Build your credit score in Canada
Make larger purchases
Pay for unexpected expenses
Who can apply?
You can apply for a credit limit increase if:
You’re a permanent resident, foreign worker, temporary worker, or international student
You’re from Australia, Austria, Dominican Republic, India, Kenya, Mexico, Nigeria, Philippines, South Africa, South Korea, Spain, Switzerland, the United Kingdom, United States or Ukraine
You’ve been in Canada for less than two years
You already have a Scotiabank credit card
Is this credit card right for you?
Right for you if you:
- Want to obtain a convenient and secure payment method for everyday purchases
- Interested in building your credit history by making at least your minimum payments on time each month
- Want an interest free grace period on purchases
- Value rewards and benefits that can be earned with this Card and willing to pay an annual fee
- Meet a minimum annual income of $60,000 or a minimum household income of $100,000 or minimum assets under management of $250,000
May not be right for you if you:
- Will be carrying an outstanding balance for a long period of time or using it for debt consolidation
- Rarely travel, rarely make foreign currency purchases, or rarely need travel insurance coverage
- Prefer cash back rewards
- Prefer not to pay an annual fee
TRAVEL AND LIFESTYLE
Scotiabank Passport® Visa Infinite* Card
Earn up to $1,350+Δ in first year welcome offers, rewards and savings, including up to 45,000 bonus Scene+TM points♢.
Earn 3 Scene+ points1 on every $1 you spend at Sobeys, Safeway, IGA, Foodland & Participating Co-ops and more.
Annual fee: $150
Interest rates: 20.99% purchases / 22.99% cash advances
Is this credit card right for you?
Right for you if you:
- Want to obtain a convenient and secure payment method for everyday purchases
- Interested in building your credit history by making at least your minimum payments on time each month
- Want an interest free grace period on purchases
- Value the rewards and benefits that can be earned with this Card
- Prefer to avoid annual fees
May not be right for you if you:
- Will be carrying an outstanding balance for a long period of time or using it for debt consolidation
- Don’t mind paying an annual fee to benefit from even more rewards & other benefits available with one of our other Cards
NO ANNUAL FEE
Scotia Momentum® No-Fee Visa* Card
Earn 5% cash back on all purchases for the first 3 months (up to $2,000 in total purchases).2
Plus, get a 0% introductory interest rate on balance transfers for the first 6 months (2% fee per cash advance, 22.99% after that; annual fee $0).2
Annual fee: $0
Interest rates: 19.99% purchases / 22.99% cash advances
Is this credit card right for you?
Right for you if you:
- Want to obtain a convenient and secure payment method for everyday purchases
- Interested in building your credit history by making at least your minimum payments on time each month
- Want an interest free grace period on purchases
- Value the rewards and benefits that can be earned with this Card
- Prefer to avoid annual fees
May not be right for you if you:
- Will be carrying an outstanding balance for a long period of time or using it for debt consolidation
- Prefer cash back rewards
- Prefer a card with certain embedded insurance benefits
SCENE+
Scotiabank® Scene+TM Visa* Card
Earn up to 5,000 bonus Scene+ points within your first 3 months.2
Earn 2 Scene+ points4 on every $1 you spend at Sobeys, Safeway, Foodland & Participating Co-ops, FreshCo and more.
Earn 2 Scene+ points4 on every $1 you spend at Home Hardware.
Annual fee: $0
Interest rates: 20.99% purchases / 22.99% cash advances
Is this credit card right for you?
Right for you if you:
- Are a student enrolled in a Canadian post secondary school and this is one of your first Credit Cards
- Value the rewards and benefits that can be earned with this Card
- Want to obtain a convenient and secure payment method for everyday purchases
- Interested in building your credit history by making at least your minimum payments on time each month
- Want an interest free grace period on purchases
- Prefer to avoid annual fees
May not be right for you if you:
- Will be carrying an outstanding balance for a long period of time or using it for debt consolidation
- Have a steady income of more than $12000/year (income requirement subject to change) as you may qualify for other types of available Credit Cards
- Prefer cash back rewards
- Prefer a card with certain embedded insurance benefits
STUDENT
Scotiabank® Scene+TM Visa* Card (for students)
Earn up to 5,000 bonus Scene+ points within your first 3 months.2
Earn 2 Scene+ points4 on every $1 you spend at Sobeys, Safeway, Foodland & Participating Co-ops, FreshCo and more.
Earn 2 Scene+ points4 on every $1 you spend at Home Hardware.
Annual fee: $0
Interest rates: 20.99% purchases / 22.99% cash advances
Insert heading text
with an optional subtitleFrequently asked questions
Get started
Apply to increase your credit limit.
Have questions?
Meet with a Scotia advisor
Use our online tool to schedule your visit.
Give us a call
We’re here to give you advice.
Monday – Thursday 9 am to 11 pm ET
Friday 9 am to 10 pm ET
Saturday 10 am to 6 pm ET
Accessing your credit report through Nova Credit may impact your home country credit score. Please refer to this link for more details.