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Scotiabank Alerts

You’re in control with Scotiabank Alerts

Is it right for me?

It’s perfect if you want a simple and easy way to stay on top of your account activity.

Tell me about it

Scotiabank Alerts allows you, as a Scotia OnLine and / or Scotia Mobile Banking customer, to receive personalized notifications about activity on your account(s) via push notifications on the Scotiabank Mobile App or via email. Push notifications allow your smartphone to receive message alerts even if your Scotiabank Mobile App is closed.

This empowers you to monitor and flag any activity on your account(s).

Take charge with credit card controls which allows you to:

• Turn on / off your credit card
• Set a maximum transaction limit
• Allow international transactions and / or
• Allow internet transactions

In order to receive Scotiabank Alerts, you’ll need to download the new Scotiabank Mobile App and enable App notifications in the device settings.

We've turned on Alerts for you

Customers registered on Scotia OnLine with valid email address:

Existing Customers registered to use Scotia OnLine with a valid email address will be automatically enrolled to receive Scotiabank Alerts.

Customers registered to use Scotia OnLine without a valid email address

If you are already registered to use Scotia OnLine but you do not have an email address, immediately after you sign in to Scotia OnLine or the Scotiabank Mobile App, you will be asked to enter your email address.  In order to continue with OnLine Banking you must enter an email address. This is necessary to receive notifications about activity on your account(s) via push notifications on the Scotiabank Mobile App or via email.

You're in Control

Here are the Alerts and Credit Card Controls available to you!

Credit Card Controls These controls allow you to specify how and when your credit card is used.

Transaction alerts these alerts provide you with updates on account activity and balances., security alerts these alerts provide added security to you and may not be turned off..

To ensure you receive email notifications, save  [email protected]  to your address book as Scotiabank Alerts

Benefits of setting up Scotiabank Alerts

Quick set up

Set up Scotiabank Alerts in seconds

Start getting Alerts by the next day

It's free to set up and use

Customizable

Get the notifications that matter to you

Set up Scotiabank Alerts on any of your accounts, credit cards, lines of credit or business accounts

Account numbers, passwords and pins are not sent via Scotiabank Alerts

Where do I start?

Scotia online, download the scotiabank app.

What are Scotiabank Alerts?

Scotiabank Alerts are notifications delivered to you via email or as a mobile app notification. These are meant to inform you of specific transactions on your account(s) and are set up and managed by you, through Scotia OnLine or Scotiabank Mobile Banking.

You may modify your Alert settings at any time.

What types of Alerts can I subscribe to?

There are three (3) types of Alerts that you may subscribe to. These include: Transaction Alerts, Security Alerts and Credit Card Controls & Alerts.

Transaction Alerts:

• ATM Withdrawals / Cash Advances
• Credit / Debit Card Authorizations
• Credit Card or Line of Credit Authorized
• Authorization without the Credit Card present
• Credit Card authorized outside of country
• Deposit account balance (daily or weekly)
• Transfers to Third Party recipients (On / Off-US)
• Future dated transaction reminder
• Bill Payment

Security Alerts:

• My Profile update
• Sign in from a new device
• User blocked
• Password Modification
• Security Question update
• Access code / Change
• Payee (Add / Change)
• Recipient (Add / Change)

Credit Card Controls & Alerts:

• Turn Credit Card On / Off
• International Transactions On / Off
• Internet Transactions On / Off
• Maximum Authorization Limit Reached

How much does it cost to subscribe to Scotiabank Alerts?

There is no cost to register, sign up and use Scotiabank Alerts. Please note that if you choose to receive Mobile App Notifications, charges may be applied by your mobile service provider according to standard data plan rates and roaming, if out of the country.

How do I subscribe to Scotiabank Alerts?

We have turned on Alerts for you. Existing Customers registered on Scotia OnLine with a valid email address will be automatically enrolled to receive Scotiabank Alerts.

If you are already registered to use Scotia OnLine but you do not have an email address, immediately after you sign in to Scotiabank OnLine or the Scotia Mobile App, you will be asked to enter your email address. 

To customize Scotiabank Alerts, simply go to either Scotia OnLine or Scotiabank Mobile Banking, click on the “Settings” menu and select “Alerts”. Follow the easy steps to enable alerts and choose the specific alerts to be set up.

How long does it take to receive a Scotiabank Alert after the transaction is completed?

Typically, you will receive the notification within one minute after a transaction has occurred. 

Please be aware that you can experience delays or failures in delivery of an Alert notification, due to any of the following circumstances:

1.   The merchant may have a delay in processing the transaction

2.   Delays and / or failures attributable to network operators and telecommunications providers

3.   If the mobile device is turned off or out of operating range of a carrier with an appropriate signal for data services

4.   A variety of other wireless service and coverage conditions

5.   Active or passive filtering of e-mail messages

6.   Insufficient space in the email account that is to receive email messages

Can I add multiple email addresses or mobile phone numbers? 

No, the contact information used for Scotiabank Alerts is synced with the contact information on your information profile.

How do I change my email address to receive Scotiabank Alerts? 

Go to Account Settings, then Select Update your contact information under the “My Profile” tab.

• Scroll down to Update Email Address
• Enter & confirm your email address
• Enter your Access Code (You will need to enter your access code to enable the change)
• Select Update to save your changes

Make sure to save your changes before leaving the page! 

This is only available via Scotia OnLine Banking and is not available through the Scotiabank Mobile Banking App.

Why am I receiving a text message from Scotiabank Alerts? 

At the moment, Scotiabank Alerts doesn’t send text messages (SMS) to our customers’ mobile phone numbers. This could be a case of fraudulent text messages claiming to be from Scotiabank. Do not reply to these text messages nor provide any of your personal information.

What if I am travelling and switch my mobile device phone number to an International phone number, will I still receive my Alert notifications? 

To ensure that you continue to receive Scotiabank Alert notifications while travelling, make sure that your delivery options for alerts are either your email address or Mobile App notifications. These two delivery options do not require a mobile phone number.    

Why am I not receiving mobile app notifications?

In order to receive your mobile app notifications, you must download the latest version of the Scotiabank Mobile Banking app to your mobile device and Notifications must be enabled on the App. If you are still not receiving app notifications, check and ensure that the mobile device has app notifications enabled as well.

Can I receive Mobile App notifications to more than one mobile device?

Yes you can. Just download the Scotiabank Mobile Banking app to whatever device that you want, enable App notifications and sign in to Mobile Banking.

What if my debit card is lost or stolen? 

If your debit card is lost, stolen or replaced for any reason, in most cases, your Alert notifications attached to your debit card will be transferred to the new card.

Tip: Review your Alert preferences to ensure you continue to receive Scotiabank Alerts.

What if my Credit Card is lost or stolen? 

If your credit card is lost or stolen, you will need to go into your Alert Settings and update your Credit Card Alerts with your new Credit Card number. If you do not update your information, you will not receive Alerts for the new Credit Card as the Card Number would be changed.

What if my Credit Card expires and I receive a new Credit Card?

If your Credit Card expires, the new Credit Card would have the same Card number and your Scotiabank Alert preferences will be transferred over to the new card.

If I receive an Alert for a transaction I do not recognize, what should I do?

When a Customer receives an Alert, they should review to ensure that the transaction has recently taken place – if they did complete that transaction, they are instructed to call the number on the back of their card.

For credit card transactions, it is recommended they login to internet banking and change the status of their credit card to “Off” to prevent future transactions. Note: Preauthorized purchases will continue to be posted to the credit card.

If the primary credit cardholder sets Scotiabank Alert(s) on their credit card, will this include all supplementary cards attached to the primary card?

Yes, if the primary cardholder sets Scotiabank Alerts, all cards associated with the primary account number will trigger the selected Alert(s).

Can the Contact Centre or Branch change the Alert(s) on behalf of the Customer?

No, only you can make any changes to your Scotiabank Alert preferences through Scotia OnLine or Scotiabank Mobile Banking.

How can I stop receiving Alerts? 

To unsubscribe from Transaction Alerts, remove the delivery option selected and you will no longer receive that Alert.

Security Alerts may not be turned off. These were specifically created as an added security feature to protect your account.

Terms & Conditions

Scotia OnLine* Internet Banking and Scotia* Mobile Banking

PLEASE READ THESE TERMS AND CONDITIONS BEFORE USING SCOTIA ONLINE* INTERNET BANKING AND/OR SCOTIA* MOBILE BANKING (INDIVIDUALLY AND COLLECTIVELY THE “SERVICE(S)”). BY CLICKING ON “I AGREE” BELOW OR BY USING SCOTIA ONLINE INTERNET BANKING AND/OR SCOTIA MOBILE BANKING YOU CONFIRM THAT YOU ARE LEGALLY BOUND BY THESE TERMS AND CONDITIONS, THE ScotiaCard* CARDHOLDER AGREEMENT, THE Personal Financial Services Agreement AND OUR Safe Computing and Mobile Practices, ALL AS MAY BE AMENDED OR CANCELLED FROM TIME TO TIME (COLLECTIVELY, THE “TERMS AND CONDITIONS”).

WE MAY, IN SOME CIRCUMSTANCES, ALLOW YOU TO SIGN INTO SCOTIA ONLINE INTERNET BANKING AND/OR SCOTIA MOBILE BANKING USING YOUR SCOTIABANK CREDIT CARD. IF WE DO, THE SECURITY, CONFIDENTIALITY AND OTHER OBLIGATIONS THAT APPLY TO A SCOTIACARD BANKING CARD AS SET OUT IN THESE TERMS AND CONDITIONS ALSO APPLY TO YOUR SCOTIABANK CREDIT CARD.

BY USING THE SERVICES, YOU WILL BE TAKEN TO HAVE READ, UNDERSTOOD AND ACCEPTED THESE TERMS AND CONDITIONS IN THE SAME WAY AS IF YOU SIGNED A PRINTED VERSION AND YOU WILL BE BOUND BY THEM AND THEY WILL CONTINUE TO APPLY EVERY TIME YOU USE THE SERVICES.

PLEASE NOTE THAT YOUR INTERNET SERVICE PROVIDER AND YOUR WIRELESS CARRIER’S STANDARD DATA FEES APPLY. PLEASE PRINT AND KEEP A COPY OF THESE TERMS AND CONDITIONS FOR YOUR FUTURE REFERENCE.

• In these terms and conditions, “we”, “our” and “us” and “the bank” mean The Bank of Nova Scotia and “you” and “your” mean the individual who is using Scotia OnLine Internet banking and/or Scotia mobile banking.
• You must meet and comply at all times with the technical and security requirements that we establish regarding Scotia OnLine Internet banking and/or Scotia mobile banking and that we provide to you from time to time.
• There is no contractual arrangement or relationship between us and your Internet service provider and mobile or wireless carrier as it relates to the Scotia mobile banking service.

Notification of changes

• You agree that we can amend, modify, change or replace these terms and conditions, the technical and security requirements and/or any of the services provided under these terms and conditions at any time by posting a notice on the Scotia OnLine Internet banking and/or the Scotia mobile banking sign-on page(s) or on our website. The new or revised terms and conditions, technical and security requirements and/or services provided under these terms and conditions are effective and binding on you when we notify you of such change. If you continue to use Scotia OnLine Internet banking and/or Scotia mobile banking after we post the notice that means you agree to and accept the new or revised terms and conditions, technical and security requirements and/or the services provided under these terms and conditions as amended.
•  If you do not agree with the new or any changes made to these terms and conditions, the technical and security requirements and/or the revised Scotia OnLine Internet banking and/or Scotia mobile banking service you must immediately stop using the Scotia OnLine Internet banking service and/or the Scotia mobile banking service and notify us.

Suspension or termination of service

• We can suspend or terminate your Scotia OnLine Internet banking and/or your Scotia mobile banking services if we believe you are in breach of these terms and conditions or any other agreements that you have entered into with us. If we suspend or terminate your Scotia OnLine Internet banking and/or your Scotia mobile banking services, we will notify you. Your Scotia mobile banking service is also subject to termination in the event that your mobile device service terminates or lapses. There are no fees or any associated costs if you or we terminate your Scotia OnLine Internet banking service and/or your Scotia mobile banking service
• We can discontinue the Scotia OnLine Internet banking service and/or Scotia mobile banking service at any time. If we do, we will post a notice thirty (30) days in advance on the Scotia OnLine Internet banking and/or the Scotia mobile banking sign-on page(s) or on our website.
• If you want to disable accessing your accounts on Scotia mobile banking, you can sign-in to Scotia OnLine Internet banking or contact us: (1-888-4SCOTIA 1-888-472-6842).    

Privacy (applicable to Scotia mobile banking only)

• You acknowledge and accept that we will partially mask your account numbers, but balance and other information about your bank account(s) or credit card accounts may be included and stored on your mobile device. You acknowledge and agree that we will not be liable to you for any loss that you may suffer including if your mobile device is lost or stolen.
• Anyone with access to your mobile device could view its content unless you lock your device. You are responsible for keeping this information confidential and secure.

Your responsibilities

• It is your responsibility to determine with your wireless carrier if your mobile device is capable of accessing the Internet.
• Scotia OnLine Internet banking and Scotia mobile banking are subject to the terms and conditions of your agreement with your wireless carrier and/or Internet service provider. You are responsible for any fees imposed by your mobile service provider and Internet service provider of any kind.
• Description of Service.  The Scotiabank Alerts service allows you to subscribe to various alerts for your Accounts. Depending on the alert, you can choose to receive alerts via email or push notification to a Mobile Device, or any other method we offer from time to time.  An alert does not constitute a bank record for the Account to which it pertains.  You hereby acknowledge and accept that each alert is sent to you without being encrypted and may include information pertaining to your Account. We will partially mask your Account numbers.
• Your Mobile Carrier and Your Internet Service Provider.  You may receive alerts through one or more of a Mobile Device, and an email account that is accessed via a personal computer. It is your responsibility to determine if your mobile carrier supports push messaging and if your Mobile Device or telephone is capable of receiving push messages. Depending on your chosen alert delivery method, you must have internet and/or data services enabled on your Mobile Device/personal computer.    Scotiabank's alerts are subject to the terms and conditions of your agreement with your mobile carrier and/or internet service provider. You are responsible for any fees of any kind whatsoever imposed by your mobile service provider and internet service provider.
• Your Responsibilities – Unauthorized access to your alerts.  Information such as your bank account balance and due date for your credit account payment may be included in an alert. Anyone with access to your email, telephone or Mobile Device will be able to view these alerts. It is your responsibility to ensure that this information is kept confidential and secure.
• Your responsibilities – Updating your Email Address and Mobile Device number.  The email address you provide to us is neither reviewed nor verified by us prior to or following activation of the Scotiabank Alerts service. It is your responsibility to ensure that it is current and accurate by contacting us at (1-888-4SCOTIA 1-888-472-6842). You can also change your Mobile Device number, telephone number or email address on the Account Settings, My Profile function within Scotia OnLine or the Mobile Banking Application.
• Suspending or changing your Scotia Alerts preferences.  At any time, you may temporarily disable certain alerts or permanently unsubscribe from alerts by editing your Scotia Alerts profile in the Alerts menu within Scotia Online or within the Mobile Banking Application. Alternatively, you may also call us at (1-888-4SCOTIA 1-888-472-6842).  Please note, however, that certain alert bundles such as the ‘Safeguard Bundle’ may not be disabled unless you unsubscribe from the Scotia Online altogether.
• Modifications to the Scotia Alerts service.  We reserve the right to suspend, modify or cancel the Scotia Alerts service at any time without notice, including by adding, deleting or making changes to alerts and alert bundles. This means that you may begin to receive new alerts that we’ve added to the service, whether as part of a bundle or otherwise, and/or you may no longer receive certain alerts you have currently enabled. However, you may always disable any new or modified alerts or permanently unsubscribe from the Scotia Alerts service at any time as described in subsection 5 above.

Scotia OnLine Internet banking and Scotia mobile banking security guarantee

• We will fully reimburse you in the unlikely event that you suffer direct financial losses due to unauthorized activity in your accounts accessed through Scotia OnLine Internet banking or Scotia mobile banking provided you have met your security and other responsibilities. That means you must abide by the terms of the customer agreements such as ScotiaCard* CARDHOLDER AGREEMENT, the Personal Financial Services Agreement and any other agreements you have entered into with us that govern your personal banking or other financial service or product offered by us and follow the guidelines of our Safe Computing and Mobile Practices .
• You must always keep your ScotiaCard number, password, access code, personal identification number (PIN) and ScotiaCard security code number (last three italicized numbers printed on the back of your ScotiaCard banking card) and the answers to any online security questions (personal verification questions) you have chosen that allow you to sign-on to Scotia OnLine Internet Banking and Scotia mobile banking confidential. Do not divulge this information to anyone—including family members, friends, employees, accountants and bookkeepers or anyone else. Do not write this information down or keep a poorly disguised record of it or keep it together with your ScotiaCard banking card or save this information in your mobile device.
• You must notify us immediately in the event of loss, theft, misuse or compromise of your ScotiaCard banking card or ScotiaCard number, password, access code, PIN or Scotia mobile banking session. You can contact us: (1-888-4SCOTIA 1-888-472-6842).
• Do not respond to text messages, pop-ups, emails or other Internet requests that ask you to reveal personal information about yourself or your Scotiabank accounts. We will never send you unsolicited text messages or emails asking for your password, PIN, credit card, account numbers, etc. We will never ask you to validate or restore your account or Scotia OnLine Internet banking and/or Scotia mobile banking access through unsolicited text messages or emails.
• You must review your statements and report any errors in a timely manner. Different transactions have different reporting deadlines. Please see the applicable account agreement statement for further details.
• You agree to assist us in any investigation into improper access to your accounts.

Limitation of liability

• You agree that neither we, your Internet service provider, your wireless carrier, nor any other third party associated with providing Scotia OnLine Internet banking and/or Scotia mobile banking services will be liable to you or anyone else for any direct or indirect, special, consequential, exemplary or punitive damages or for any losses arising out of your use or inability to receive or to use Scotia OnLine Internet banking and/or Scotia mobile banking, regardless of the cause of action, including negligence, even if we are advised of the possibility of such damages.
• We provide Scotia OnLine Internet banking and Scotia mobile banking as a convenience to you for information purposes only. The information contained in the various web pages do not constitute a bank record for the bank account(s) to which it pertains.
• Scotia OnLine Internet banking and Scotia mobile banking are subject to the agreements you have in place for the products and services that you have with us.
• If there is a conflict between a term in these terms and conditions and in any other agreement between you and us then these terms and conditions will apply to the extent necessary to resolve the conflict.

Governing law

• These terms and conditions will be governed exclusively by the laws of Jamaica. You and we agree that the courts of Jamaica will have jurisdiction for the determination of any matters arising out of these terms and conditions.

* Trademarks of The Bank of Nova Scotia

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Customer Service

Help Centre

• Popular questions
• Credit cards
• Travel & insurance

How do I make a claim because my trip had to be cancelled or was interrupted because of COVID-19?

Given the current situation, travel suppliers may be waiving cancellation/change fees. Be sure to contact your travel supplier first to see if they will allow you to cancel your original booking and/or apply a credit towards future travel. Coverage is only available for non-refundable expenses.

If your travel supplier will only issue a partial refund or refuses to issue any refund or credit for future travel, please obtain that information from them in writing. Having written confirmation from your travel supplier will assist the insurer and minimize delays in processing your claim.

If you do have a non-refundable expense claim, the insurer is focusing on helping customers with urgent and immediate travel issues as a priority. We ask that only customers with travel bookings in the next 3 weeks contact the insurer for assistance at this time.

Claims can be filed online by visiting https://www.manulife.ca/scotia or by calling Scotia Assist at the following numbers:

Scotiabank Platinum American Express credit cards

• 1-877-391-7507 Canada and the United States (or 416-572-3636 collect from other countries)

All other American Express and Visa credit cards

• 1-800-263-0997 Canada and the United States (or 416-977-1552 collect from other countries)

When calling Scotia Assist for trip cancellation and/or trip interruption-related inquiries, please do not select the option for travel emergency medical assistance. This is for medical emergencies only.

Travel Insurance is currently not available for Quebec Residents.

New to Scotiabank?  

Visit www.scotiainsurance.com/en/travel-insurance.html to get a quote.

Already a Scotiabank customer?

Click on the link below to select your plan as a Scotiabank customer.

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• Bank Your Way

New to Scotia OnLine?  Activate Now

Travel insurance

The plan if things don’t go as planned

Top reasons to pack Scotia Travel Insurance

Consider a plan with All Inclusive coverage

Save on premiums if you only travel within Canada

Choose a plan that suits the way you travel

Emergency medical coverage includes 24-hour Medical Concierge benefit

Which insurance plan is right for you?

Travelling Canadians

Knowing you’re protected makes every journey more rewarding.

• Get up to $10 million CDN in emergency medical insurance
• Choose the coverage that suits you best: COVID 19 Pandemic Travel, Emergency Medical, Trip Cancellation/Interruption or All Inclusive Plans.
• Get further savings if you are a family

Student Plans

Medical insurance coverage for those studying abroad or within Canada.

• Up to $2 million CDN in emergency medical insurance
• Great for Canadian students studying in another province or country
• If your school has medical insurance requirements, a Student plan may meet these requirements

Helpful Tools and Resources

Before you embark on a vacation, business trip, or day's adventure across the border, be sure you are prepared with the proper documentation.

Once you have chosen your destination, the next question is "what should I pack?"

While travelling, your baggage contains everything you need. Naturally, if your bag is missing, stolen or damaged, it can cause you serious distress.

Need advice selecting a plan?

Frequently asked questions, why does any canadian travelling out of country need travel insurance if a traveller gets sick when travelling, won't their government health insurance plan pay for their medical expenses.

Please refer to the Government of Canada website for their recommendation on this matter:  https://travel.gc.ca/travelling/documents/travel-insurance

Is medical travel insurance necessary when travelling within Canada?

Government health insurance plans do have limits on the reimbursement of the emergency medical expenses incurred while in another province. For example, air and ground ambulance costs, emergency dental treatment and prescription drugs might not be covered outside your province of residence. For maximum protection, purchase additional medical coverage even while travelling within Canada.

In the case of a medical emergency I am supposed to call the Assistance Centre. What if I don't get a chance to do that - will I still be covered?

We ask you to call our Assistance Centre ( 1-877-372-2988 ) so that we can confirm your enrolment under the plan, and, with the healthcare provider, manage the benefits in accordance with your policy. By calling the Assistance Centre, you may avoid out-of-pocket expenses. If you do not call the Assistance Centre, you will have to pay 20% of the medical expenses normally covered under this insurance. If it is medically impossible for you to call, please have someone call on your behalf. It is your responsibility to ensure that the Assistance Centre has been notified.

Can coverage be extended during my trip?

If you are already on your trip, you can extend coverage by calling Customer Service provided there has been no claim, no injury, sickness, or symptom has occurred that would give rise to a claim, or a change in your health. In addition, you must request the extension before your coverage expires and pay the appropriate premium. If you have a medical condition or pending claim, approval of the extension of your coverage is subject to approval.

If you have a Multi Trip Plan,  you must top up your coverage before you leave home by purchasing an Emergency Medical Top-Up plan for the additional number of days beyond the duration provided by your Multi Trip.

COVID-19 Pandemic Travel Plan

What is covered if I need to quarantine at location, duration of coverage, maximums?

Scotia Travel Insurance offers a COVID-19 Pandemic Travel Plan, which offers coverage in the event of quarantine outside of Canada. Coverage is for expenses such as your additional and unplanned commercial hotel and meal costs. You may receive:

• Up to $200 per day to a maximum of $2800 per person; or
• Up to $400 per day to a maximum of $5600 per family if you purchase family coverage.

These amounts are in Canadian dollars and coverage is provided for up to 14 days. 

Does the COVID-19 Pandemic Travel Plan provide coverage with an “avoid non-essential travel" advisory, and if yes what happens if the Government changes it to a “avoid all travel"?

If on your departure date, an “avoid non-essential travel advisory” is in place for your destination, and your emergency or medical condition is unrelated to the travel advisory, you may submit your claim. Note: For claims due to Coronavirus (COVID-19) the “avoid non-essential travel advisory” does not apply.  Claims relating to treatment for Coronavirus (Covid-19) that you experience on a cruise, may be submitted if you are fully vaccinated. 

If the advisory changes to “avoid all travel”, and you departed prior to the date the travel advisory changed, you will continue to have medical coverage for COVID-19 and related complications for the full duration of your trip. Treatment for Coronavirus (Covid-19) that you experience on a cruise, may be submitted if you are fully vaccinated.

Are Polymerase Chain Reaction (PCR) tests that are required in destination or prior to returning home covered under the Pandemic Plan?

No, PCR tests, vaccines, immunizations, visas, passports, and other travel requirements are the responsibility of the traveller and are not covered under the COVID-19 Pandemic Travel Plan.

Is there trip cancellation coverage prior to departing Canada within the COVID-19 Pandemic Travel Plan? The COVID-19 Pandemic Plan does not have any trip cancellation coverage. This plan includes emergency medical benefits and trip interruption benefits. You may also consider purchasing a Trip Cancellation/Interruption Plan. 

Does Manulife, the underwriter of the Scotia Travel Insurance program, pay upfront for medical, and/or quarantine benefits?

In the event of a medical emergency, insured individuals must contact The Assistance Centre, who will arrange direct billing of covered expenses, where possible. If you choose to pay eligible expenses directly, the Assistance Centre will reimburse you subject to the terms and conditions of the coverage. 

Hospital and medical bills can easily run into thousands of dollars. Would I need to pay up front if I had an accident while travelling?

Is there trip cancellation coverage prior to departing canada within the covid-19 pandemic travel plan.

The COVID-19 Pandemic Plan does not have any trip cancellation coverage. This plan includes emergency medical benefits and trip interruption benefits. You may also consider purchasing a Trip Cancellation/Interruption Plan. 

Can coverage be extended during my time abroad?

If you already have coverage, simply call Customer Service. You may be able to extend your coverage, as long as:

a. your period of coverage does not extend beyond 365 days;

b. you remain eligible for insurance under this plan;

c. we have received the extension requests prior to the expiry date of your existing polcy issued by us; and

d. there has been no change between single or family coverage.

For policy extensions, no losses or expenses or benefits will be paid for any illness or injury which first appeared, whether diagnosed or not, or for which treatment may or may not have been received, prior to the effective date of the extension of coverage under this policy.  If you have a medical condition or pending claim, approval of the extension is subject to the approval.

As outlined under your plan, it is essential that you contact our Assistance Centre prior to receiving medical treatment. The Assistance Centre has existing relationships with certain medical providers all over the world to help ensure emergency situations are handled as smoothly as possible. Our Assistance Centre will communicate with your medical provider, arrange direct billing where possible and coordinate payment for the emergency service received.

What is the maximum number of coverage days under this policy?

Under this policy, the maximum number of coverage days is 365 days. Upon expiry of a policy that has been in effect for 365 days (366 days in a leap year), you may purchase another student policy for the following term if you are eligible for coverage.

Why do I have to call the Assistance Centre prior to receiving any medical treatment?

The Assistance Centre will explain coverage, monitor care, pre-approve treatment and confirm enrolment to the service provider and explain the coverage to healthcare providers to help ensure that medical services are provided in accordance with the benefits of your policy.

• Credit Cards

The Forbes Advisor editorial team is independent and objective. To help support our reporting work, and to continue our ability to provide this content for free to our readers, we receive payment from the companies that advertise on the Forbes Advisor site. This comes from two main sources.

First , we provide paid placements to advertisers to present their offers. The payments we receive for those placements affects how and where advertisers’ offers appear on the site. This site does not include all companies or products available within the market.

Second , we also include links to advertisers’ offers in some of our articles. These “affiliate links” may generate income for our site when you click on them. The compensation we receive from advertisers does not influence the recommendations or advice our editorial team provides in our articles or otherwise impact any of the editorial content on Forbes Advisor.

While we work hard to provide accurate and up to date information that we think you will find relevant, Forbes Advisor does not and cannot guarantee that any information provided is complete and makes no representations or warranties in connection thereto, nor to the accuracy or applicability thereof.

How To Enable Mobile Credit Card Alerts For Purchases And Fraud

Updated: Apr 27, 2023, 2:13pm

Table of Contents

Purchase alerts, fraud alerts, how to set up purchase and fraud alerts, why fraud alerts are a good idea, bottom line.

Did you know one of the best tools against credit card fraud is in your pocket? With only a few simple steps, credit card users can enable mobile alerts from their preferred credit card mobile app. Most major credit card providers and banks offer mobile apps for both Android and iPhone mobile devices. These apps can make monitoring credit card spending, tracking payments and protecting accounts from identity theft much faster and more convenient.

Typically, mobile alerts sent as push notifications appear on a lock screen, home screen or other app screen. These mobile alerts can usually be switched on or off via the application or the phone’s settings panel. If turned off, a credit card holder might receive an important message from their provider via text, email or phone call. Enabling mobile alerts is a much more efficient way to catch potential fraud and monitor purchases. Not only do credit card mobile apps offer real-time purchase notifications, they often also provide effective fraud prevention, critical to taking early action against potential identity theft.

Purchase alerts, one form of notification offered by these apps, are useful for tracking charges made to an associated credit card. Some apps offer customized purchase notifications. For example, if an alert that pops up for every small purchase is simply too much, a user can set up a purchase alert only for charges more than $1,000.

Another handy use of purchase alerts is to keep track of an authorized user. With a purchase alert, you can keep an eye on your kids’ charges in real time.

Fraud alerts are especially useful for stopping fraudulent charges in their tracks. Usually a user will receive a notification of a suspicious charge as soon as it’s made. Quick action on the user’s part is recommended here—if a charge is confirmed as fraudulent, the credit card company or bank will report the fraud and typically reverse the charge. When applying for cards, keep an eye out for $0 Fraud Liability or similarly worded features that ensure that card holders aren’t responsible for fraud.

Setting up alerts should be simple and straightforward on any mobile app. Users can find notification settings either in the app’s settings or in the user’s profile.

Make sure the phone allows notifications from the credit card banking app of choice. To double-check, go to the phone’s settings and search for the specific banking app to enable push notifications. Update checking for push notifications drains battery on most phones the more often it’s done, so beware the possible extra impact on battery when changing these settings

Fraud alerts help people act quickly to identify bogus charges and remedy cases of stolen credit card information. This is especially useful for those who don’t regularly check credit card statements. Sometimes an alert will be sent for a purchase that is made by the cardholder like a large, several thousand dollar purchase, or an international charge made while traveling. In this case, a fraud alert can be easily confirmed to the bank or credit card provider as made by the cardholder or not.

Sometimes card information ripped from the card without the cardholder’s knowledge or a card stolen or lost makes it into nefarious hands. In these cases, fraud alerts are paramount to catching the illegal usage of a credit card. Once a user confirms a charge as fraudulent, the bank or card provider will report the charge as fraud and reverse the funds. If the card is lost or stolen, the bank or card provider will typically issue a new card. Many credit card mobile apps also allow the user to enable a freeze on the card if the cardholder believes recovery of a lost card is possible. Usually, however, it’s safer to issue a brand new card once one has been compromised.

Downloading the mobile app and setting up mobile alerts for every credit card in someone’s possession is a good idea. Real-time mobile alerts can wind up saving cardholders time, money and effort toward protecting security and preventing fraud.

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Chauncey grew up on a farm in rural northern California. At 18 he ran away and saw the world with a backpack and a credit card, discovering that the true value of any point or mile is the experience it facilitates. He remains most at home on a tractor, but has learned that opportunity is where he finds it and discomfort is more interesting than complacency.

Scotiabank Passport ® Visa Infinite* Card

Summary of flytrippers' review, why get this card.

• Good welcome bonus of $320
• 6 free passes for VIP airport lounges
• No foreign transaction fees
• Rewards that are of the more simple type and can be used for any travel expense
• Excellent insurance coverage
• Good earn rates

WHO SHOULD GET THIS CARD

• Those who want 6 free airport lounge passes
• Those who will be spending in foreign currencies while not unlocking any welcome bonuses on other cards
• Those who want rewards that are more simple and can be used for any travel expense
• Those whose income is over $60,000

How to learn more

• Go to our editorial card review page (coming soon)
• Keep scrolling here for all the details
• Apply now via Scotia secure link
• See all the best credit cards in Canada

Card details

Welcome bonus structure (2 separate bonuses)

30,000 points Bonus after spending $1,000 (in a maximum of 3 months) *10,000 points Bonus after spending $40,000 (in a maximum of 12 months) *NOT  INCLUDED IN OUR FLYTRIPPERS VALUATION

30,000 points  Total with the main part of the bonus *40,000 points Total with the 2 parts of the bonus * NOT  INCLUDED IN OUR FLYTRIPPERS VALUATION

Earn on the minimum spending requirement

2,000 points Estimated earn on the minimum spending requirement of $1,000 (at the multiplier earn rate of 2 pts/$) *39,000 points Minimum earn on the minimum spending requirement of $39,000 more for the additional bonus * NOT  INCLUDED IN OUR FLYTRIPPERS VALUATION

Total rewards by unlocking the welcome bonus

32,000 points  Main part of the welcome bonus + earn on the minimum spending requirement to unlock it *81,000 points  Welcome bonus + earn on the minimum spending requirement to unlock it * NOT  INCLUDED IN OUR FLYTRIPPERS VALUATION

‣ Apply for the Scotiabank Passport ® Visa Infinite* Card

Value of the welcome bonus offer (at our Flytrippers Valuation of  1¢/pt )

$300 Welcome bonus (30,000 pts) $20 Earn on the spending requirement (2,000 pts) –$0 Card fee (1st year free)

$320 Total net value by unlocking the welcome bonus alone

‣ Learn more about our Flytrippers Valuation of welcome bonuses

Effective return rate

32%  Return on the minimum spending requirement ( $320  on $ 1,000  in 3 months)

‣Learn more about effective return rates (coming soon)

Rewards acquisition summary

$320  Rewards you get for  $0

‣ Apply for the Scotiabank Passport ® Visa Infinite * Card

Value of redemption options (welcome bonus)

For each available redemption option, here is the value of the 32,000 Scene+ points  you get by unlocking the welcome bonus:

$320 Travel booked on any website $320 Travel booked on the Scene+ website $320 Merchandise at participating stores ≈ $224-$320 Gift cards ≈ $224 Merchandise $224 Statement credit

‣Learn more about the best redemptions of Scene+ points (coming soon)

Value of redemption options (per point)

For each available redemption option, here is the value  per Scene+ point to help you understand:

1¢ Travel booked on any website 1¢ Travel booked on the Scene+ website 1¢ Merchandise at participating stores ≈ 0.7¢-1¢ Gift cards ≈ 0.7¢ Merchandise $0.7¢ Statement credit

‣Learn more about the basics of the values per point (coming soon)

Redemptions for travel (any website)

The more simple type of rewards redemption, with a fixed value. It is worth less but gives you more flexibility. Scene+ points are really as simple as points can be, as you can use them to simply erase any travel expense booked on any site.

Redeem your 32,000 Scene+ points  for:

32,000 pts Discount of $320 on travel booked on any website

Redemptions for travel (Scene+ website)

Another more simple type of rewards redemption, with a fixed value. There’s really no reason to use them this way though, as you don’t get more value.

Redeem your 32,000 Scene+ points  for:

32,000 pts Discount of $320 on travel booked on the Scene+ website

Redemptions for merchandise (participating retailers)

Another more simple type of rewards redemption, with a fixed value. It’s one of the extremely rare instances where you should use points for something other than travel, as you get the same value if you use them for merchandise at Sobeys, Safeway, FreshCo, Foodland, IGA (QC), Home Hardware, Recipe Unlimited’s many restaurant brands, Cineplex, etc.

Redeem your  32,000 Scene+ points  for:

32,000 pts Discount of $320 at participating retailers

Redemptions for anything other than travel (except at participating stores)

Should  always be avoided , as with  all  rewards!

‣Learn more about why you should always redeem your rewards for travel (coming soon)

Expiry Scene+ points never expire as long as you have the Scotiabank Passport ® Visa Infinite* Card . And even if you no longer have the card, you can easily extend the expiration indefinitely.

‣Learn more about Scene+ points expiry (coming soon)

Pooling Scene+ points cannot be pooled with travel companions. But this isn’t really an obstacle to using them in multi-player mode.

‣Learn more about pooling rewards (coming soon)

Logistics Scene+ points can be used directly on the Scene+ website/app or at the cash register at participating retailers.

‣Learn more about how to get started with Scene+ rewards (coming soon)

Program summary Rewards: Scene+ points Source: Bank/retailer rewards Type: More simple Flytrippers Valuation: 1¢ per point Minimum value: 1¢ per point Maximum value: 1¢ per point Transferable: No

‣Learn more about rewards programs basics (coming soon)

3 points per $ ( 3% ):

• Sobeys, Safeway, FreshCo, Foodland, Co-Ops, IGA, Thrifty Foods, other Empire grocery banners
• Voilà grocery delivery
• Indirectly at retailers available via grocery store gift card displays

2 points per $ ( 2% ):

• Other grocery stores (and their gift cards )
• Restaurants and food delivery apps
• Entertainment (movies, theaters, ticket agencies)
• Transit (rideshares, taxis, buses, subways, and more)

1 point  per $ ( 1% ):

• Everywhere else

Earning with additional cards

Fee for additional cards: $0 for the 1st additional card ($50/year for more) Quantity allowed: N/A Minimum age: N/A

‣Learn more about additional cards (coming soon)

6 free annual passes for VIP airport lounges worldwide You get 6 free passes to enter 1,200+ airport lounges around the world, including 21 in 8 Canadian airports. All DragonPass lounges (Visa Airport Companion by DragonPass).

‣ Learn more about the airport lounge access

No foreign transaction fees One of the few cards in Canada that does not charge a 2.5% fee for all foreign currency transactions.

‣ Learn more on foreign currency transaction fees

Car rental elite status benefit You get elite status with Avis.

‣Learn more about the Scotiabank elite status benefits (coming soon)

Visa Infinite Concierge Service You get access to a 24/7 concierge service to help you book travel, make restaurant reservations, find tickets, organize flower or other deliveries, and perform other research tasks for you.

‣Learn more about the Visa Infinite Concierge Service (coming soon)

Visa Infinite Hotel Collection You get exclusive perks at some expensive luxury hotels.

‣Learn more about the Visa Infinite Hotel Collection (coming soon)

Visa Infinite Dining and Wine Country program You get access to exclusive expensive gourmet experiences.

‣Learn more about the Visa Infinite Dining and Wine Country program (coming soon)

Insurance included

Medical travel insurance for 25 days (64 years and under) Medical travel insurance for 3 days (65 years and above) Trip cancelation insurance Trip interruption insurance Flight delay insurance ($500, 4hr minimum) Rental car insurance Delayed and lost baggage insurance Travel accident insurance Hotel burglary insurance Purchase protection coverage Extended warranty coverage

‣Learn more about the insurance coverage included with the Scotia Passport ® Visa Infinite* Card (coming soon)

Insurance not included

Mobile device insurance

‣Learn more about the different types of insurance coverage (coming soon)

Card eligibility Minimum personal/household income: $60,000 (personal) OR $100,000 (household) Age: Majority in your province Estimated credit score: Good or Excellent Credit bureau: TransUnion Canada

‣ Learn more about credit card eligibility requirements (coming soon)

Welcome bonus eligibility You must not have had a Scotia card in the past 2 years.

‣ Learn more about credit card welcome bonus eligibility rules (coming soon)

Offer end date Offer ends July 1, 2024

‣ Subscribe to Flytrippers’ free travel rewards newsletter to get all card updates

Card details Issuer: Scotiabank Network: Visa Card type: Credit card Product type: Personal card

‣Learn more about credit card types basics (coming soon)

Annual fee Card fee: $150/year (1st year free) Fee for additional card: $0 for the first additional card ($50/year on each additional card)

‣Learn more about why Flytrippers recommends never looking at the fee alone (coming soon)

Rates FX fee: 0% Purchases annual interest rate: 20.99% Funds advance annual interest rate: 22.99% Balance transfer fee: N/A

‣ Learn more about why Flytrippers recommends ignoring rates (coming soon)

Earn up to $1,300* in value in the first 12 months, including up to 40,000 bonus Scene+ points and first-year annual fee waived¹

• Earn 3x Scene+ points¹ on every $1 you spend at Sobeys, Safeway, IGA, Foodland and participating Co-ops and more
• Earn 2x Scene+ points¹ for every $1 you spend on other eligible grocery stores, dining, eligble entertainment purchases and eligible daily transit options(including rideshares, buses, subways taxis and more)
• Plus earn 1 Scene+ point for every $1 spent on all other eligible everyday purchases
• No Foreign Transaction Fee
• 6 Complimentary Airport Lounge Access
• Comprehensive Travel Insurance coverage
• Visa Infinite* Concierge Services
• Visa Infinite* Hotel Collection
• Visa Infinite* Dining and Wine Country program
• Rates, fees and other information are effective as of Jan.4, 2024. Subject to change.

Savings and Reward potential in the first 12 months based on the following card usage and offers:

$300 in travel rewards(30,000 bonus Scene+ points) when you spend $1000 within the first 3 months;

$100 in travel rewards(10,000 bonus Scene+ points) when you spend $40,000 annually on your account each year (12 months);

$150 primary card fee waiver for the first year;

$50 additional card fee waiver on your first additional card(including those issued to co-borrowers and supplementary cardholders)every year;

$104 in foreign transaction fee savings based on average first-year annual foreign spend per account(save the 2.5% foreign transaction fee typically charged by other card issuers);

$287 in travel rewards(28,733 Scene+ points) on everyday purchases based on average annual first-year spend per account with an average spend of 19% in 2x accelerator categories;

$350 value with a complementary Visa Airport Companion Program Membership and 6 lounge passes(annual membership plus one free visit approx. CAD$136/USD$99 plus 5 lounge passes at CAD$43/USD$31 per pass). Currency Conversions as of November 9, 2023.

Potential First Year Value= up to $1,341

Actual Savings and rewards earned will depend on individual card usage and eligibility for applicable offers. Conditions apply*.

Offer Description and Conditions¹: The 30,000 bonus Scene+ Points Offer and First Year Annual Fee Waiver (the “Offer”) applies only to new Scotiabank Passport Visa Infinite credit card accounts (“Accounts”) that are opened by July 1, 2024 subject to the conditions below. We will waive the annual fee for the primary card issued before July 1, 2024 on the Account for the first year only. Offer may be changed, cancelled or extended at any time without notice and cannot be combined with any other offers.

Plus, as a Scotiabank Passport Visa Infinite credit cardholder, you are always eligible to earn an annual 10,000 Scene+ points bonus when you spend at least $40,000 in everyday eligible purchases annually on your Scotiabank Passport Visa Infinite account. Conditions apply-see below for further details.

30,000 Bonus Scene+ Point Offer Description and Conditions: To qualify for the 30,000 bonus Scene+ points (the “Bonus Offer”), you must have at least $1,000 in eligible purchases posted to your new Account within the first 3 months of the Account open date. Eligible purchases include purchases (less any refunds, returns or other similar credits) but do not include payments, cash advances (including balance transfers or cash-like transactions), interest, fees or other charges. The 30,000 Bonus Offer points will be credited to the primary cardholder’s Scene+ account within approximately 2-3 business days following the qualifying $1,000 in eligible purchases being posted to your Account within 3 months from the Account open date, provided the Account is open and in good standing. The Account is considered in good standing if it is not past due or over limit and the Cardholder(s) is not in breach of the Revolving Credit Agreement that applies to the Account. Bonus Offer applies to new Accounts only opened by July 1, 2024. All other terms and conditions of the Program Terms continue to apply during the Offer period.

10,000 Annual Bonus Scene+ Point Conditions: As a Scotiabank Passport Visa Infinite credit cardholder you can earn an annual Scene+ point bonus starting at 10,000 Scene+ points when you make at least $40,000 in eligible purchases annually on your Account each year (12-months). Annual period starts from the Account open date and resets every 12 months thereafter. You will earn 2,000 bonus Scene+ points for every additional $10,000 in eligible purchases thereafter in that same year, after the $40,000 annual spend has been reached. Eligible purchases include purchases (less any refunds, returns or other similar credits) but do not include payments, cash advances (including balance transfers or cash-like transactions), interest, fees or other charges.

The Annual bonus Scene+ points will be credited within approximately 2-3 business days after you have met the $40,000 annual spend threshold on the Account and within approximately 2-3 business days after you have met each additional $10,000 annual spend threshold on the Account, provided your Account is open and in good standing (as defined above).

First Year Annual Fee Waiver Offer Description and Conditions: We will waive the annual fee for the primary card issued before July 1, 2024 on the Account for the first year only.

Offer Eligibility and Exclusions: Individuals who are currently or were previously primary or secondary cardholders of a Scotiabank personal credit card in the past 2 years, including those that switch from an existing Scotiabank personal credit card, as well as employees of Scotiabank, are not eligible for the offer. Subject to the above exclusions, Scotiabank small business credit cardholders are also eligible for the Offer.

Rates and Fees: The current annual fee is $150 for the primary card, $0 for the first additional card and $50 for each additional card thereafter (including those issued to co-borrowers and supplementary cardholders). The current preferred annual interest rates for this Account are: 20.99% on purchases and 22.99% on cash advances (including balance transfers and cash-like transactions). All rates, fees, features and benefits are outlined in the Application Disclosure Statement and are subject to change.

To qualify for these offers, make sure to open a new Scotiabank Passport Visa Infinite credit card account by July 1, 2024.

To qualify for the 40,000 bonus Scene+ points:

• Earn 30,000 bonus Scene+ points by making at least $1,000 in everyday eligible purchases in your first 3 months.
• Plus, as a Scotiabank Passport Visa Infinite cardholder, you are eligible to earn an annual 10,000 Scene+ point bonus when you spend at least $40,000 in everyday net eligible purchases annually.

Once you qualify, we’ll credit your account in 2 installments:

• 30,000 bonus Scene+ points will be credited to your account within approximately 2-3 business days following the qualifying $1,000 in net purchases being posted to your Scene+ membership Account in your first 3 months.
• Annual 10,000 bonus Scene+ points will be credited to your Scene+ membership account within approximately 2-3 business days after you have met the $40,000 annual spend threshold.

Individuals who are currently or were previously primary or secondary cardholders of a Scotiabank personal credit card in the past 2 years, including those that switch from an existing Scotiabank personal credit card, as well as employees of Scotiabank, are not eligible for the 30,000 bonus points offer. All cardholders remain eligible to earn an annual 10,000 Scene+ point bonus with an annual spend of at least $40,000.

*See Card Provider’s website and Card Application for complete card details, terms and current offers. Reasonable efforts are made to maintain accuracy of information.

Start earning rewards today

And make sure to download our free checklist for when you get a new card—it includes very important mistakes to avoid (it will open in a separate tab, or you can click here ).

via Scotia secure application

*Beta version of card page. Sign up to get updated guide soon.*

This content is not sponsored. However, this page may contain some affiliate links that allow Flytrippers to earn a commission at absolutely no cost to you. Thank you for using our links and helping us keep all our content free for everyone. This helps us fulfill our mission of helping Canadians travel more for less.

The views and opinions expressed on this page are purely our own. They have not been provided, approved, endorsed, or ratified by any third party mentioned on the site.

Financial institutions are not responsible for updating or ensuring the accuracy of the information on Flytrippers’ website. All the information was independently collected by Flytrippers and not provided by financial institutions.

All offers described on the Flytrippers website are subject to the financial institutions’ latest terms and conditions, which can be found on their official website. No efforts are spared to ensure this page is up to date but offers from financial institutions change quickly. It is your responsibility to ensure the accuracy of these offers on their website. Flytrippers will not accept any responsibility for the accuracy of the offers or the result of your actions.

Flytrippers’ website does not contain all available credit card offers or all available credit card products on the market. In addition, Flytrippers never shares an offer if it is not considered advantageous for some travelers, at its sole discretion.

No author on Flytrippers’ website is a financial advisor, a financial planner, a legal professional, or a tax professional. No author on Flytrippers’ website can in any way be considered as such.

All articles, pages, and content on Flytrippers’ website are merely personal opinions of a general nature and are for informational purposes only and should not be considered advice for specific situations. It is your responsibility to perform your own personal research to ensure that travel rewards are appropriate for your own situation.

You can learn more about our terms of use  here .

Terms & conditions — Travel rewards

† Terms and conditions apply.

You can learn more about our terms of use here .

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Apply now for the Scotiabank Passport ® Visa Infinite * Card and get a welcome bonus worth $ 320 !

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Scotiabank Passport® Visa Infinite* Card

Best offer available until July 1, 2024

Signup bonus:, annual fee:, annual interest rates:, earning rate:, perks & benefits:.

The Scotiabank Passport® Visa Infinite* Card is one of the best cards for earning fixed-value points, due to the sheer ease of redeeming Scene+ points.

Throw in a lack of foreign transaction fees, and this card is a winner with a relatively low annual fee to boot.

Bonuses & Fees

The Scotiabank Passport® Visa Infinite* Card offers up to 40,000 Scene+ points as a signup offer.

The bulk of the bonus, 30,000 Scene+ points, are awarded upon spending $1,000 in the first three months. 30,000 Scene+ points is worth up to $300 when redeemed for a statement credit against travel purchases.

You can also earn an additional 10,000 points every year upon spending $40,000 every year, although at such a high threshold, your efforts are likely better spent on other cards.

The annual fee is $150, which is waived in the first year with the current offer. Plus, you’ll get one free supplementary card, and then it’ll cost $50 per card thereafter.

Earning Rewards

The Scotiabank Passport® Visa Infinite* Card offers 2 Scene+ points per dollar spent  on groceries, dining, entertainment purchases, and daily transit. Entertainment includes movies, theatre, and live performances, while transit covers railroads, local transit, taxis, and ride-sharing services like Uber and Lyft.

As part of a partnership with Empire grocery stores , you can earn 3 Scene+ points per dollar spent on Empire grocery stores such as Sobeys, IGA, Safeway, Foodland, and FreshCo. Purchases made at other grocery stores will continue earning 2 points per dollar.

While this is a decent return, you’ll note that the Scotiabank Gold American Express card actually offers a higher 5% return on groceries, dining, and entertainment, so that’d be a better card to use for spending on these categories. Of course, Visa is more widely accepted than Amex, so that’s another thing to take into account.

On all other spending, you’ll earn a standard 1 Scene+ point per dollar spent.

Moreover, it’s important to note that the accelerated earning rates are capped at $50,000 per calendar year, and not per category. You’ll earn 1 Scene+ point per dollar spent  thereafter.

Redeeming Rewards

Scene+ is one of the most flexible fixed-value points programs in Canada. Points have a value of 1 cent per point , and can be easily credited towards any travel expense.

This is far superior to fixed-value points programs from Canada’s other major banks, which force you to book your travel through their in-house travel agencies. This means that you could be limited to using your points for flights, hotels, car rentals, and vacations.

That’s not the case with Scene+ – book whatever you want, and then redeem points against the purchase up to a year after it posts. It doesn’t get much easier than that.

Your points won’t expire for as long as you’re a cardholder. If you cancel the card, you’ll have 60 days to redeem your Scene+ points before they’re gone.

Perks & Benefits

One of the main features of this card it that it has no foreign transaction fees – indeed, it’s the first credit card offered by the Big 5 banks in Canada to include such a benefit. While most other credit cards charge a 2.5% markup on foreign transactions, the Scotiabank Passport® Visa Infinite* Card uses the Visa mid-market rate.

This is therefore an excellent card to use when you’re travelling abroad. In fact, if you were to make more than $6,000 in foreign purchases in one year, then you’d have saved enough to cover the card’s annual fee.

This is because most other cards that charge foreign transaction fees would have levied $150 in fees after spending $6,000, with a 2.5% foreign exchange fee.

$6,000 a year isn’t a lot of money to spend on foreign purchases if you’re a regular traveller. Throw in six complimentary DragonPass lounge visits, and the Scotiabank Passport® Visa Infinite* Card would be a great addition to your wallet.

Insurance Coverage

The Scotiabank Passport® Visa Infinite* Card is a premium travel credit card, and so comes with very strong insurance benefits. Coverage includes:

Emergency medical insurance of up to $1 million for you, your spouse, and dependent children on unexpected medical illness or injury when travelling out-of-province for up to 25 days (3 days for age 65 and up)

Trip cancellation and interruption insurance of up to $1,500 and $2,000 per person, respectively

Flight delay insurance for delays of more than four hours, up to $500 per person

• Delayed and lost baggage  insurance  of up to $1,000

Rental car collision or damage insurance, which can help you save on the insurance fees usually charged by car rental companies for vehicles with a MSRP of up to $65,000

• Hotel burglary insurance  of up to $1,000 in the event of theft

Plus, on the purchase protection side, you’ll get a 90-day protection period against damage, loss, or theft for most new items. In addition, you also get  extended warranty of up to one year.

Historical Offers

Legal disclaimers.

†Terms and conditions apply. Scotiabank is not responsible for maintaining the content on this site. Please click on the Apply Now link for the most up to date information.

As a Visa Infinite product, this credit card has a minimum personal annual income requirement of $60,000 or a minimum household income of $100,000, or have $250,000 in assets under management with Scotiabank to be eligible. You'll also need to be approved for a credit limit of at least $5,000. Follow the link below to the Scotiabank website to learn more about this card and submit an application.

13 Comments

Should I apply an additional supplementary card, do they offer the additional card holder 6 free airport lounge pass of their own?

I believe only the primary cardholder receives lounge passes for this card.

Their website does not say the first year fee is waived – can you please confirm? Thanks.

Is there an age limit with the Emergency Medical Insurance coverage? We are both 72.

National Bank offers 15 days Emergency Medical Insurance coverage up to age 75

Unfortunately, it’s only up to age 65.

Do the 6 Priority pass visits include Priority pass restaurants or is it only lounges?

Just applied for the Visa Passport card. Was charged the annual fee and no bonus coming my way. Im informed its because I didnt wait 2 years from the last time I cancelled the card (may 2020) WTF! I guess I should have read the fine print? lol. Managed to get them to waive the annual fee at least. lesson learned.

@Andy Hone – No, they didn’t. I just used it two weeks ago in Elevation Lounge in YYC airport. Not sure where you heard that from – a very unreliable source, evidently.

They stopped offering price protection as of July 1, 2021 on the passport VI card.

https://www.scotiabank.com/content/dam/scotiabank/canada/credit-cards/en/NOC-Passport-VisaInfinite_Eng.pdf

Hi. From what I’ve read, Priority Pass ended the relationship and the “6 Lounge Passes” is no longer a benefit to the Scotiabank Passport Visa Infinite card. Too bad, it’s one of the main reasons I signed on.

Priority Pass ended the relationship with Plaza Premium, not with Scotiabank. In fact, Scotia Passport cardholders now get six free visits to Priority Pass lounges every membership year, as well as six free visits to Plaza Premium lounges through June 30, 2022: https://princeoftravel.com/blog/plaza-premium-dragonpass-continued-lounge-access-for-visa-cards-through-june-2022/

The t&c on scotia’s website state that if you have a retail card with them then you are not eligible for the promo, have you tried doing a product transfer with luck?

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Travel insurance claims

We’re here to help every step along the way..

Login to your existing account or create a new one.

Email our customer support specialists.

Toll free from North America:

Collect from anywhere outside North America:

How do I make a claim?

1. start your claim.

Select one of the following ways to start your claim:

Online You can easily submit your claim online.  Click here to start.

Email  [email protected]

Phone Toll free from North America: 1-855-297-4371

Collect from anywhere outside North America: 1-519-251-1581

Our customer service agents will open your claim and a claims package will be sent to you by either email or standard mail, based on your preference.

2. Submit your forms

• Call us at 1-877-372-2989 , Monday to Friday 8:00am-8:00pm ET and one of our Customer Service Representatives will be pleased to assist you.
• Click the forms below:

Scotia Travel Insurance - Baggage loss, Damage & Delay claim form

Scotia Travel Insurance - Visitors to Canada claim form

Scotia Travel Insurance - Trip cancellation & Interruption claim form

Scotia Travel Insurance - Medical claim form for students

Scotia Travel Insurance - Emergency travel medical claim form

Helpful tips

Make the claims process quicker by having the following information handy for your call:

• Case or policy number
• Date of birth
• Telephone number

Need more help? Reach out with any questions. 

Frequently asked questions

How long will it take to process my claim.

It is our goal to process eligible claims in a prompt manner. 

What can help smooth the process?

• Receiving medical information from your treating or family physician in a timely fashion
• Completed claim form and/or all supporting documentation
• Timely receipt of mail from medical providers (i.e. doctors, hospitals)

What do I need to submit in order to file a claim?

Submit the completed claim forms along with any original invoices and/or receipts for out of pocket expenses for reimbursement. Also, please submit any medical documentation from the treating facility. If you have an annual plan, we require proof of your departure date from your home province. Visitors to Canada should enclose proof of arrival date in Canada.

Please remember to make a copy for your records and send all originals.