This guide will show you how to fill out a Scotiabank Momentum Visa Infinite application. It gives you step-by-step instructions if you’re in Canada and want a top-notch cash-back card. This card also comes with travel and purchase protections.

You’ll find out who can apply, what documents you need, and how to apply—whether online, in a store, or over the phone. This guide is designed to help you get approved quickly. Then you can start getting cash back on what you buy every day with Momentum Visa Infinite Canada.

Remember that card features, fees, and special offers can change. Always check the most current info with Scotiabank and Visa before you apply. Think of this article as a helpful guide to begin your Scotiabank Momentum Visa Infinite application. It will also show you how to get the most out of your card once you’re approved.

Key Takeaways

• Learn the Scotiabank Momentum Visa Infinite application paths: online, in-branch and by phone.
• Know basic eligibility: Canadian resident aged 18+ (or 19+ in some provinces) with required ID and income info.
• Prepare documents ahead to speed approval and avoid common delays.
• Verify current rates, fees and promotions with Scotiabank and Visa before applying.
• After approval, focus on earning and tracking cash back to maximise value from Momentum Visa Infinite Canada.

Step-by-Step Guide on How to Apply for the Scotia Momentum® Visa Infinite* Card

Applying for a credit card in Canada doesn’t have to be difficult. With this detailed guide, you’ll learn exactly how to apply for the Scotia Momentum® Visa Infinite Card*, a premium cashback card that rewards your daily spending and provides exclusive benefits for Scotiabank customers.

---

Step 1: Visit the Scotiabank Homepage

Go to the official Scotiabank Canada website: https://www.scotiabank.com/ca/en/personal.html.
At the top of the page, select “Credit Cards” from the main menu to access the bank’s credit card section.

Once you’re there, you’ll find all available Scotiabank cards, each with detailed information about their features and benefits.

---

Step 2: Explore Scotiabank’s Credit Card Options

On the credit cards page, you’ll see a list of various Scotiabank products, including:

• Scotiabank Passport® Visa Infinite Card*
• Scotiabank Gold American Express® Card
• Scotiabank American Express® Card, among others

Take a moment to review the information for each card — this page provides key details about annual fees, cashback or rewards programs, insurance coverage, and eligibility requirements. Doing so helps ensure that you choose the card that best fits your financial goals.

---

Step 3: Select the Scotia Momentum® Visa Infinite Card*

Scroll until you locate the Scotia Momentum® Visa Infinite Card*, which is typically listed as the third card in the lineup.
Click on the red “Apply Now” button to begin your application.

This will take you directly to Scotiabank’s secure application form.

---

Step 4: Complete the Application Form

You’ll now be redirected to the online application form. The process varies slightly depending on whether or not you already bank with Scotiabank:

• For existing Scotiabank customers:
  Log in using your Scotia Online credentials. Your account information will automatically populate in the form, making the process faster and easier.
• For new customers:
  Select the option to apply as a new applicant. You’ll need to create an account and provide your personal information (name, address, date of birth), as well as your employment and income details.

Once all fields are complete, review your application carefully and click “Submit.”
After submission, you’ll receive a confirmation message that your application has been received. Upon approval, your Scotia Momentum® Visa Infinite Card* will be mailed to your registered address within a few business days.

---

Final Tips for a Smooth Application

To make your application process quick and successful, keep the following in mind:

• Have your identification documents ready (such as a Canadian passport or driver’s license).
• Ensure your financial and employment details are accurate and up to date.
• Review the card’s fees, benefits, and insurance coverage before finalizing your submission.
• Once approved, activate your card immediately through Scotia Online or the Scotiabank Mobile App to start earning cashback.

---

Everything You Need to Know Before Applying

1. Access the Application Page

Visit Scotiabank’s official credit card page and navigate to the Scotia Momentum® Visa Infinite Card* section.
Here, you’ll find a complete overview of the card’s benefits, cashback rates, and eligibility requirements.

Click the red “Apply Now” button to begin the application process.

---

2. Choose Your Application Method

You’ll have two ways to apply:

• Existing Scotiabank Customers:
  Log in to Scotia Online for a pre-filled application that saves time.
• New Applicants:
  Complete the online form manually. You’ll need to provide your full name, address, contact details, income information, and employment history.

---

3. Verify Your Eligibility Requirements

Before applying, make sure you meet Scotiabank’s standard qualifications:

• Must be a Canadian resident.
• Must have reached the age of majority in your province or territory.
• Should have a steady income and a good credit history.

Meeting these criteria increases your likelihood of approval.

---

4. Review and Submit Your Application

Before clicking “Submit,” double-check all information to make sure it’s correct.
Once you submit your application, Scotiabank will process it and perform a credit check. Most applicants receive a decision within a few minutes, but in some cases, it may take a few business days.

If approved, Scotiabank will assign you a credit limit based on your financial profile and mail the card directly to your home.

---

5. Activate and Start Using Your Card

Once your Scotia Momentum® Visa Infinite Card* arrives, activate it using one of the following methods:

• Log in to Scotia Online or the Scotiabank Mobile App.
• Call the activation number provided in your welcome package.

After activation, you can immediately start making purchases and earning cashback on your daily expenses:

• 4% on groceries and recurring bills
• 2% on gas and transit
• 1% on all other purchases

This means you’ll earn rewards every time you shop, commute, or pay monthly subscriptions.

---

Final Thoughts

The Scotia Momentum® Visa Infinite Card* is a top choice for Canadians who want straightforward cashback and reliable financial benefits.
By following this step-by-step guide, you can complete your application in minutes and start enjoying:

• High cashback rates on everyday spending
• Premium insurance coverage
• Exclusive Visa Infinite perks

Fast, secure, and rewarding — this card is one of Scotiabank’s best options for Canadians looking to maximize everyday savings with minimal effort.

Overview of the Scotiabank Momentum Visa Infinite

The Scotiabank Momentum Visa Infinite is a great cash-back credit card. It’s perfect for daily use. It offers clear cash rewards and protection features. If you like cash over points, this card is for you.

What the card is and who it’s for

This card is for those who spend a lot each year and like simple cash back. It’s best for people who want at least 2% back on groceries and bills. It gives cash back directly into a bank account, without the hassle of points.

Canadian residents who are old enough, usually 18 or 19, can apply. You need good credit and enough income for Visa Infinite. If you like steady cash rewards and travel protection, this card is ideal for you.

Key cash back and rewards features

You can earn more cash back on groceries, bills, and either transit or gas. Everything else still gets a basic cash-back rate. There might be limits each year or on certain categories, depending on when you sign up.

Cashing in is easy. You can use cash back on your card bill, or get it in your Scotiabank account or by direct deposit. The timing and minimum amounts for redemption depend on your account rules.

How it compares to other Scotiabank credit cards

Compared to other Scotiabank cards, Momentum Visa Infinite stands out. The Scotiabank Gold American Express is more for travellers who like points. Scene+ cards are good for fun rewards like dining and movies.

Momentum is simpler with cash back and accepted by more shops. It varies in fees, insurance, and where you can use it. Choose Momentum for simplicity or a travel card for more travel and points.

Scotiabank Momentum Visa Infinite – Learn how to apply

Are you ready to apply? Here’s a guide for Canadians on what you need: which documents to prepare, how to apply online, and other ways to apply such as in a branch or by phone. Make sure you have your ID and proof of income ready. A clear checklist can make the approval process quicker and ensure you meet all the requirements.

Eligibility requirements for Canadian applicants

To be eligible, you must live in Canada and be old enough for a credit card in your area. Scotiabank checks if you have good credit and if you make enough money for Visa Infinite. They might ask for your Social Insurance Number too.

If you’re new to Canada but have permanent resident status, you can usually apply. Some temporary residents can apply too if they provide more documents. Scotiabank may need more checks if you recently moved to Canada or started working.

Documents and information you’ll need to apply

Get your documents ready before you start. You’ll need a photo ID like a driver’s licence or passport, your Social Insurance Number if you have one, and proof of income. This could be pay stubs, T4 forms, or a Notice of Assessment.

Also, have your job details, current address, and any bank or credit account numbers handy. Scotiabank might ask for more documents based on your situation, so be prepared with extra ID and proof of where you live.

Step-by-step online application process

Go to Scotiabank’s website or use their mobile app to find the Momentum Visa Infinite card. Pick the card, then sign in or continue as a guest.

Fill in your personal details like your name, address, and Social Insurance Number. Enter your job and income info, and current bank or credit accounts. Check the terms and insurance info carefully before submitting.

Once submitted, you might get instant approval, conditional approval waiting for more documents, or a decline with reasons why. Save or print any confirmation and reference numbers for later.

Applying in-branch or by phone

To apply in person, either book a meeting with a Scotiabank advisor or just visit a local branch. Bring your documents. The staff can help explain things, answer your questions, and copy your documents.

For phone applications, call Scotiabank or use the number on their ads. You’ll confirm who you are, provide your details, and get instructions for sending documents either online or in a branch. Going in person can make things faster. Online can be quicker to get a first decision.

Rewards structure and cash back categories

Knowing how the Scotiabank Momentum Visa Infinite’s rewards work is key to maximizing benefits. We’ll look at the high-cash-back categories, understand annual limits, and see how boosts can increase earnings. Also, we’ll explore how Scotiabank tracks and pays out these rewards.

Everyday categories that earn the most cash back

Grocery shopping usually earns the most cash back. This is especially true for regular supermarket expenses. Also, paying bills like your phone and utilities can get you more cash back if coded correctly.

Buying from drugstores and using transit also offer extra cash back. Yet, not all stores are treated the same due to different coding. To ensure you earn rewards, always check Scotiabank’s list of merchants and your receipts.

Yearly spending thresholds and bonus opportunities

Some cards have special rules that can increase your cash back once you spend a certain amount. You might get more cash back until you reach a yearly cap. Afterwards, the rate drops. Seasonal deals and short-term boosts can also enhance your earnings for a while.

Keep an eye on your spendings compared to any limits to avoid losing out. Bonuses might stop or change when the year ends. Buying bigger items before hitting a spend cap can help keep your earnings up.

How cash back is paid out and tracked

Scotiabank puts your rewards on your monthly bill and in their app. Rewards usually show up after one or two billing periods. This delay happens as the bank waits for transactions to clear.

You can choose to get your cash back as a credit on your bill or put into a Scotiabank account. But, some options need a minimum amount before they work. Always review your statements and app to make sure you get your cash back. If something’s wrong, report it quickly.

Rates, fees, and interest to be aware of

This section covers the main costs of the Scotiabank Momentum Visa Infinite. This way, you can identify fees before they show up on your bill. Make sure to check Scotiabank’s website for the most current rates and fees.

Annual fee and when it applies

Scotiabank mentions the annual fee for the Momentum Visa Infinite at the time of publication. It’s usually charged once a year on your account anniversary. But, it can also be billed monthly in smaller amounts, depending on the bank’s policy.

Sometimes, special account packages or promotions can remove or lower the annual fee. If you have a bundle deal, look into the details for any fee discounts. Also, see how long the fee waiver might last.

Purchase and cash advance interest rates

You can find the purchase APR for this card on Scotiabank’s website. Always check it before you apply. If you pay off your entire balance each month, you won’t have to pay interest on your purchases. This keeps costs down.

Cash advances have a higher interest rate than purchases and the interest starts adding up right away. Besides a higher APR, there’s also a fee for cash advances. Make sure to check with Scotiabank for the exact rates and fees for cash advances.

Foreign transaction fees and other charges

Visa Infinite cards often include a fee for foreign transactions. This applies to purchases in different currencies or ones processed outside of Canada. The specific fee for the Momentum Visa Infinite can be found in its product details. Check this rate before you travel or make international purchases.

Be aware of other fees like those for late payments, returned payments, balance transfers, and card replacements. It’s a good idea to look through the cardholder agreement for all the fees. Also, keep an eye on your statements to spot any unexpected charges quickly.

Welcome offers and promotional incentives

Scotiabank often has specials to make the Momentum Visa Infinite card more exciting. These specials change with the seasons and campaigns. Make sure you read all the details when you apply. This includes when the offer ends, how much you need to spend, and what doesn’t count towards that spend.

Typical sign-up bonuses and limited-time promotions

You’ll often see offers that give you more cash back for a short time after you get the card. There might also be a one-time bonus after spending a certain amount. Sometimes, there’s an offer for 0% on transferred balances, but that’s rarer for cash-back cards.

The Scotiabank Momentum Visa Infinite card comes with varying offers that have different values and durations. Be sure to check the bonus, minimum spend, and when it will be added to your account before you finish your application.

How to qualify for welcome offers

To get a welcome offer, apply when the promotion is on, get approved, and spend enough within the required time. Often, you’ll need to spend a specific amount in the first 60 to 90 days.

Some purchases might not count towards this minimum spend. This includes cash advances, balance transfers, fees, and certain types of stores. Keep your receipts and check your account to ensure your qualifying purchases are recorded correctly.

Maximizing value from promotional periods

Plan your spending to meet the minimum for the welcome offer without hurting your budget. Only move big bills or prepay expenses if it fits with your money flow. Avoid buying things you don’t need.

Use the sign-up bonus with other offers and points to get more value. Business owners should match their spending with their books. This makes it easier to see rewards for taxes and accounting.

Insurance and cardholder protections

The Scotiabank Momentum Visa Infinite card provides important protections helpful for both travel and shopping. These features help lessen the financial impact of medical emergencies, loss, or fraudulent charges. Always check your card’s insurance details to understand the coverage’s scope and limits before traveling or making significant purchases.

Travel insurance included with the card

This card offers emergency medical coverage, trip cancellation and interruption insurance, and travel accident protection. The coverage limits are higher for longer or more costly trips. You need to pay for your travel or part of it with the card to activate these insurances.

Certain benefits are subject to age limits and maximum trip durations. Ensure you understand the Momentum Visa Infinite’s insurance terms before booking your trip. Note that coverage for pre-existing medical conditions may require fulfilling specific criteria.

Purchase protection and extended warranty

The Scotiabank Momentum card’s purchase protection safeguards eligible items from theft and accidental damage for a certain period post-purchase. But, there are caps on the coverage per item and per cardholder, which might affect claims on high-value electronics.

The extended warranty can offer an additional year on top of the manufacturer’s warranty for eligible items. Save all purchase receipts and warranty information for any claims. To claim, you generally need to provide purchase proof and notify the claim center quickly.

Fraud protection and dispute support

The Visa Zero Liability policy offers security against unauthorized transactions, provided cardholders report them quickly and observe reasonable precautions. Scotiabank maintains round-the-clock fraud hotlines for reporting lost or stolen cards and initiating investigations.

It’s crucial to check your statements often and report any odd transactions immediately. Document all communications, including calls and written exchanges, to assist with any dispute resolutions.

Protection type	Typical coverage	Cardholder actions required
Emergency medical	High limit per trip; varies by plan	Buy travel with the card; carry insurance certificate
Trip cancellation / interruption	Reimburses non-refundable costs up to policy limit	Keep booking receipts; notify insurer as required
Purchase protection Scotiabank Momentum	Coverage for theft/damage for a set period	Retain receipts and submit claim promptly
Extended warranty	Adds up to one year to manufacturer warranty	Provide original warranty and proof of purchase
Fraud protection	Visa Zero Liability for unauthorized charges	Report lost/stolen cards; document follow-up calls

Tips to maximize cash back and benefits

Keep an eye on your spending with the Scotiabank mobile app and online banking. Link your card to a budgeting app or a simple spreadsheet. It shows how to forecast your monthly spending. This helps you see where to get the most Momentum cash back.

Pairing the card with budgeting and tracking tools

Use the Scotiabank app to set spending alerts and categories. This stops you from overspending for rewards. Separate your expenses like groceries, gas, and bills in a spreadsheet. You’ll see easily which ones give more cash back.

Try apps like Mint or YNAB to watch your spending habits. These apps help use the Momentum Visa Infinite. They guide your daily spending choices.

Timing purchases to leverage seasonal categories

Plan big buys during seasonal sales or promos. If groceries or travel offer more cash back for a while, spend then. It’s smart money-wise.

Don’t buy unnecessary items just for points. Time your bill or insurance payments to match promotional periods. This way, you make the most of the Momentum Visa Infinite. And, you avoid extra interest fees.

Combining with loyalty programs and promos

Combine Momentum cash back with store loyalty points for more savings. Use your card in stores that offer points and cash back at once.

Stay updated with Scotiabank and Visa offers through the app and email alerts. Taking advantage of targeted bonuses boosts your cash back. Especially with purchases you planned anyway.

Common application issues and how to resolve them

Applying for the Scotiabank Momentum Visa Infinite can go smoothly. But, some applicants face issues. This can lead to their application being declined or delayed. Knowing what problems might come up helps you fix them quickly.

Reasons applications are declined and solutions

A low credit score or not enough credit history can cause a decline. Check your credit report at Equifax or TransUnion for mistakes. Correct any errors and keep making payments on time to improve your score.

If your income isn’t documented well, that could be a problem. Make sure your pay stubs, T4 slips, or tax returns are in order before you apply again. Clear documentation and updated employer details help avoid delays.

Having debt or missing payments recently might stop approval. Try to lower your credit card debt. Also, don’t open new credit lines for a while. Regular payments can boost your chances later on.

Application mistakes or issues proving who you are can also cause problems. Double-check your application for errors. Make sure your ID documents exactly match your application. If needed, go to a branch with your original documents.

How to check application status and follow up

When you submit online, you usually get a reference number. If you need to check your status, use this number to call Scotiabank’s application centre.

If your application is conditional, they’ll ask for more documents. You can upload them online, call, or visit a branch with your paperwork. Use your reference number.

How long it takes can vary. Instant approvals happen, but conditional ones take days. For extra checks, it might take longer.

Improving approval odds for future applications

To boost your chances, keep your credit use low and pay bills on time. Avoid applying for too many things at once; it can lower your score.

Try to increase your documented income. Include things like pay stubs or tax returns. If needed, get a secured card or a simpler Scotiabank card first to build your history.

If you’re declined, wait and work on your financial situation before reapplying. Address any late payments and cut down your debt. Accurate and updated records help your next application.

Managing your Scotiabank Momentum Visa Infinite account

Keep your card under control with easy online tools. Link your Momentum Visa Infinite to Scotia Online. This way, you can see transactions, cash-back balances, and download statements. With the Scotiabank app Momentum, you take these features everywhere. Update your contact info, track spending, and look up past charges on the fly.

Online banking and mobile app features

Log into Scotia Online or the Scotiabank app Momentum to check recent activity and cash-back credits. Digital statements keep your records paperless. Need to find a transaction fast? The search function helps spot merchant names, amounts, and dates easily.

Got questions or issues with a charge? Secure messaging puts you in touch with customer service. If you see something strange, temporary card locks stop new purchases while you check.

Setting up alerts, auto-pay and account security

Get email or push notifications for big purchases or when payments are due. Alerts catch suspicious activity early to help avoid fees.

Auto-pay your bill from a Scotiabank account. Choose to pay the minimum or the whole balance each month. It keeps your credit score safe and avoids missed payments.

Always use strong, different passwords and turn on two-factor authentication if you can. Lost or stolen cards? Report them quick to stop fraud. Check regularly who can use your account and their device access.

Redeeming cash back and reviewing statements

Pick how to use your Momentum rewards. Turn cash back into statement credits or put it into a Scotiabank account. Start redemptions through Scotia Online, the app, or by phone with customer service.

Regularly check your statements are right. Make sure cash-back credits are there and match charges to your receipts. Store receipts for big buys. If there’s a mistake, follow the steps to dispute it.

Task	How to do it	Benefit
Link card to online profile	Register or add card in Scotia Online or the Scotiabank app Momentum	Instant access to transactions and statements
Enable alerts	Set email or push notifications for payments and large transactions	Faster fraud detection and fewer missed payments
Set up auto-pay	Choose minimum or full balance from a Scotiabank account	Avoid late fees and protect credit score
Redeem cash back	Use Scotia Online, the Scotiabank app Momentum or call support	Convert rewards to statement credit or deposit
Review statements	Compare monthly statement to receipts and transaction history	Spot errors quickly and maintain accurate records

Conclusion

The Momentum Visa Infinite summary shows it’s great for those who spend daily and want easy cash back. It also offers strong insurance and Visa Infinite perks. This card is good for buying groceries, paying recurring bills, and transit expenses.

Before applying for Momentum Visa Infinite Canada, check if you’re eligible on Scotiabank’s official site. You will need income proof and ID. Choose to apply online, by phone, or in-branch, depending on what’s easiest for you.

To make the most of your card, set up alerts and auto-pay. Also, use budget tools to help with spending. Read the cardholder agreement and insurance info carefully. Always check your monthly statements. If there are problems, talk to Scotiabank directly.

If wondering about getting the Momentum Visa Infinite, think about your spending and what protections are important to you. This will help you decide if it’s the right card for you.

FAQ

What is the Scotiabank Momentum Visa Infinite and who is it for?

The Scotiabank Momentum Visa Infinite card helps Canadians earn cash back easily on daily shopping. It’s great for people who spend a lot and prefer cash rewards to points. Plus, they enjoy travel and protection benefits. You need to be a certain age, live in Canada, and meet Scotiabank’s requirements to get this card.

How do I know if I’m eligible to apply?

To apply, you need to live in Canada and be old enough (usually 18 or 19). A good credit score and meeting the bank’s income requirements are necessary too. Newcomers with the right residency status might have to provide more documents. Scotiabank could ask for your Social Insurance Number for a credit check.

What documents and information do I need to apply?

Gather your photo ID, SIN if you have one, and proof of your income like pay stubs or a T4. You’ll also need your job details, current address, and any banking or credit info. Scotiabank might ask for more documents based on your situation.

How do I apply online for the Momentum Visa Infinite?

Go to Scotiabank’s official website or use their mobile app. Choose the Momentum Visa Infinite card. You can sign in or proceed as a guest. Fill in your personal and employment info, your income and banking details, review the terms, and submit your application. You might get approved right away, asked for more documents, or not approved. Keep any confirmation or reference number and read the card agreement before you agree.

Can I apply in-branch or by phone?

Yes. For in-person help, book a visit to a Scotiabank branch with your documents. An advisor will guide you through the application. Or, call Scotiabank’s customer service to apply by phone. They will confirm your identity and tell you how to send documents. Applying in-person can make document checks faster, but online might get you a decision quicker.

What everyday purchases earn the most cash back?

With Momentum cards, you get more cash back on groceries, bills, and certain stores like drugstores or for transit. But, it depends on the merchant codes. Some places, like big-box stores, might not count as groceries. Check the current list on Scotiabank’s website to see where you can earn the most cash back.

How is cash back tracked and paid out?

You can see your cash-back balance on your monthly bill and in the Scotiabank app. You might get it as credits on your statement or deposits into a Scotiabank account. Cash back usually shows up after the transactions clear, often in one or two billing cycles. Some cards have rules on when you can get your cash back. Always check your statement to make sure.

Are there yearly caps or promotional bonus opportunities?

Certain Momentum cards have spending limits or special offers that change. Scotiabank sometimes has promotions, like extra cash back on certain purchases. Keep track of your spending and check the details when you apply.

What is the annual fee and where can I find current rates?

Scotiabank decides the annual fee, and it can change. Look at Scotiabank’s website for the latest fee and how you’ll be charged. The card agreement provides details on when fees can be lowered or not applied.

What interest rates and fees should I be aware of?

It’s important to know about the main interest rate and fees for cash advances, foreign buys, late payments, and more. Check Scotiabank’s site for all the details on interest rates and fees. This way, you won’t be surprised by extra charges.

What welcome offers or sign-up bonuses might be available?

Sometimes, Scotiabank offers extra cash back or special bonuses for new cardholders. You need to apply during a certain period, get approved, and spend a set amount to qualify. Always look at the offer details when you apply.

How do I qualify for and track a welcome bonus?

Just apply when a promotion is running, get your card, and spend the required amount within a set time. Keep an eye on your account to make sure your qualifying purchases are recorded properly. Save your shopping receipts and follow your spending.

What travel and purchase insurance does the card include?

This card comes with several insurance options like travel medical and trip cancellation. It also offers purchase protection and extended warranties. The coverage depends on using the card for your purchases. Read the Scotiabank insurance documents for all the details.

What should I do if I see unauthorized transactions or fraud?

If your card is lost, stolen, or you notice strange charges, call Scotiabank right away. They have a 24/7 line for fraud. Visa’s Zero Liability policy usually covers you if you report quickly and take care. Keep a record of all your communication with the bank.

Why was my application declined and how can I improve my chances next time?

Declines can happen for many reasons like a low credit score or not enough income. To improve your chances, check your credit report for mistakes, use less credit, make sure your income is documented correctly, and always pay on time. You might want to try a simpler card first to build your credit.

How can I check the status of my application?

After you apply online, you should get a quick answer and a reference number. If you need more info, call Scotiabank’s application line, visit a branch with your number, or send in any documents they ask for. Wait times can vary.

How do I manage my Momentum Visa Infinite account online?

Connect your card to Scotia Online or the Scotiabank app to view your account, check cash back, and change settings. Use features like digital statements and setting alerts for peace of mind. Setting up automatic payments can help avoid late fees.

How do I redeem cash back and monitor redemptions?

Cash back can be redeemed online, through the app, or by calling customer service. You can get it as a statement credit or deposited into a Scotiabank account. Keep track of your redemptions in the app and check your statements. If you notice missing credits, let Scotiabank know.

What tips help maximise cash back without overspending?

Use the app to keep an eye on spending and cash back. Plan your purchases with promotions, use store loyalty programs, and make budgets. Avoid carrying a balance that incurs interest just to get rewards.

Are there merchant or category exclusions I should watch for?

Yes, cash back depends on the type of store and some may not earn cash back like others. Verify Scotiabank’s list to know where your spending earns the most. Review your statements to see how your purchases are categorized.

Where can I find the most current card details, fees and insurance documents?

Check Scotiabank’s website for the latest on fees, rates, and insurance. Offers and features can change, so it’s good to confirm with a Scotiabank advisor before applying.