New cardmembers can earn introductory balance transfer and first-year fee waiver offer by completing the steps below.
How to earn it
0.99% interest rate on balance transfers for 9 monthsAccount opened and balance transfer completed during promotional period (2% transfer fee applies)
First-year annual fee waived ($29 value)New account opened within promotional window and maintained in good standing
New Scotiabank Value Visa accounts opened within promotional period; subject to credit approval; excludes existing or recent Scotiabank credit cardholders (past 2 years).
Offer ends 2026-10-31.
How you earn
No traditional points-based rewards earning system
No Scene+ points earned per $1 spent on purchases
Fuel savings value at Shell (up to 5¢/L in value via Scene+ ecosystem linkage)
Indirect rewards through interest savings rather than spend-based points accumulation
Built-in perks & coverage
Low interest rate structure
Reduced purchase and cash advance interest rate (13.99%) compared to standard credit cards, designed to lower borrowing cost.
Balance transfer optimization
Introductory 0.99% interest rate on balance transfers for 9 months with a 2% transfer fee, enabling short-term debt consolidation.
Fuel savings at Shell
Up to 5¢ per litre in value at participating Shell stations when linked with Scotiabank and Scene+ program.
