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 

Featured credit cards

Apply for a credit card with up to $15,000 in credit, even without previous credit history.10

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

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

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

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


Youtube video for the Scotiabank partnership with Nova Credit

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Frequently 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