scotiabank travel debit card

Scotiabank Rewards Comparison

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estimated cash back in your first year  †

+ Foreign transaction fee benefit: $25.00

+ Lounge passes/memberships: $397.00

4% cash back

Groceries, Recurring Bill Payments or Subscriptions   2

2% cash back

Gas Stations and Daily Transit  4

1% cash back

Other everyday purchases   5

Other Benefits

• Complimentary Avis Preferred Plus Membership
• First Additional Card- $0 (Value of $50)
• Visa Infinite Hotel Collection - Save with the best available rates

Security Benefits

• TransUnion CreditView

Insurance Benefits

• Travel Emergency Medical Insurance
• Trip Cancellation/Trip Interruption
• Flight Delay Insurance
• Delayed and Lost Baggage Insurance
• Rental Car Collision Insurance
• Hotel/Motel Burglary Insurance
• Travel Accident Insurance
• Purchase Security and Extended Warranty
• Price Protection Service

Annual Fee   6

Supplementary card   6, interest rate  6.

Groceries, Gas Stations, Drug Stores, Recurring Bill Payments or Subscriptions  2

Other everyday purchases  2

Annual Fee  4

Supplementary card  4, interest rate  4.

Groceries, Gas Stations, Drug Stores and Recurring Bill Payments or Subscriptions  2

0.5% cash back

Annual Fee  3

Supplementary card  3, interest rate  3.

Daily Transit  2

Everyday purchases  2

Interest Rates

estimated value of lifestyle rewards in your first year  †

2 points per $1

1 point per $1 cdn, annual fee  7, supplementary card  7, interest rate  7.

estimated value of lifestyle rewards in your first year (assumes up to 6X earn rate on Groceries)  †

Bonus Points

6 points per $1 CDN spent within Canada

Sobeys, Safeway, FreschCo, Foodland and more  2

5 points per $1 CDN spent within Canada

Groceries, Dining & Entertainment  2

3 points per $1 CDN spent within Canada

Gas Stations, Select Streaming Services, Daily Transit  2

1 point per $1

Supplementary fee  7.

estimated value of lifestyle rewards in your first year (assumes up to 3X earn rate on Groceries)  †

3 points per $1

Sobeys, Safeway, FreschCo, Foodland and more  3

Groceries, Dining & Entertainment, Daily Transit  3

Other everyday purchases  3

2 point per $1

Groceries, Dining, Entertainment, Gas Stations, Select Streaming Services, Daily Transit 2

Annual Fee  5

Supplementary card  5, interest rate  5.

estimated value in your first year (assumes up to 2X earn rate on Groceries and 1X earn rate on entertainment)   †

Home Hardware and homehardware.ca  2

Cineplex Theatres and cineplex.com  2

estimated points in your first year  †

1 point per $5

Eligible accounts.

Preferred Package, Ultimate Package, Student Banking Advantage ® Plan, and Getting There Savings Program ® for Youth

estimated value of GM Earnings in your first year †

5% GM Earnings 1

on first $10,000 in everyday purchases

2% GM Earnings 1

Annual fee 5, supplementary card 5, interest rate 5.

estimated interest savings in your first year  †

Includes an introductory interest rate of on cash advances, thereafter   1

0.99% interest rate

For the first 6 months

11.99% interest rate

After 6 months

Amount Saved

After the first 6 months

3.99% interest rate

16.99% interest rate.

• Digital banking

Learn More  |  Register Now

Activate your  ScotiaCard TM   Mastercard®   Debit

Security and convenience in one card.

Get more security and convienience in your hands with the new ScotiaCard™ Mastercard. The simple, safe and smart way to make purchases wherever you shop. Now with the secure Chip & Pin technology plus contactless Tap and Go® you will spend less time at checkout. 

Enjoy the security of Mastercard, the control of debit and the freedom to shop, all in one card.

Features & Benefits

More security with chip & pin contactless technology.

Purchase protection* reimburses you or repair damages on eligible purchases

ATM protection* replaces stolen cash and/or provides a benefit if death is due to assault at an ABM

Speed at checkout

No waiting for change, or signing receipts when paying contactless.Just a simple tap. 

Simplified budgeting for busy lifestyles

Using the ScotiaCard Debit Mastercard is a convenient way for customers to manage their finances because funds are deducted directly from their checking account. Having an electronic record of every transaction can be a real time saver and makes keeping track of what they spend a snap.

Worldwide acceptance

ScotiaCard Debit Mastercard is accepted at millions of merchant locations worldwide, including restaurants, hotels and online retailers. Customers can even use debit Mastercard to automatically pay monthly bills.

Protection wherever you shop

Whether the ScotiaCard Debit Mastercard is used to shop online, by phone or in a store, every purchase is backed by Zero Liability protection. That means customers won’t be held responsible in the event that someone makes unauthorized purchases with their card (terms and conditions apply).

Mastercard Global Service

Customers receive around-the-clock service assistance with lost and stolen card reporting, emergency card replacement and emergency cash advance as well as assistance with locating ATMs and help with card-related questions.

How to use your ScotiaCard Mastercard Debit

The superior ScotiaCard TM  Mastercard® Debit offers enhanced security with chip and pin contactless technology to help with mitigating fraud.

Chip & PIN

Simple, more secure shopping

Follow these 3 simple steps to use it with Chip & PIN:

Insert the Chip-end of the card into the terminal with the chip facing up

Approve the amount and enter your PIN or sign

Remove your card when prompted

Contactless

A faster, safer way to pay

Follow these 3 simple steps to use it Contactless:

Look for the contactless symbol at the terminal  

Tap to pay at terminals – for purchase USD$50  or less

Enter your PIN or sign if purchase is over J$5,000

More Security with the new ScotiaCard Debit Mastercard Chip & Pin

Get more security with Chip & PIN

The safe and smart way to pay anywhere, for anything

Get more security with ScotiaCard Mastercard debit

How does contactless work?

It's simple, fast and secure

Activate it today

Enjoy your scotiacard tm  mastercard® debit anywhere.

So many ways to use your new card

Local purchases

Shop and you could win

Safe & convenient online shopping

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New customer

Existing customer

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• Bank Your Way

New to Scotia OnLine?  Activate Now

Basic Banking Account

Choose the rewards program that best suits you

Earn and redeem  Scotia Rewards  travel points

Scotiabank Passport ®  Debit Card

Now use debit to earn travel rewards

Book travel online or redeem for travel rewards 1

Earn SCENE points for movies, meals and more

Scotiabank SCENE Debit Card

The fastest way to earn SCENE points

Scotiabank SCENE rewards let you enjoy free movies, meals and more 2

Access banking at any of our nearly 4,000 ABMs

Your access to banking

Instant access to Scotiabank's full range of convenient money management services.

Monthly Fee

Seniors fee (age 60+)

3 easy steps

100% safe & secure

Top reasons to choose this account.

12 transactions every month 3  including up to 4 teller-assisted transactions 4

2 Free Interac e-Transfers per month 5

Ideal if your banking needs are minimal

Account Details

Monthly Record-keeping Options and Fees, for complete details review  Summary of Account Fees .

Helpful Account Services

Great services to help you manage your money

Free  Scotia ®  InfoAlerts

Receive an email, text message, or in app push notification when important account activity happens.

Interac 7  e-Transfer

Pay your Internet, cell phone bill and more automatically. No missed due dates and no late fees.

Pre-Authorized Payments

Direct deposit.

Have your paycheque, pension and more automatically deposited into your account and access your money right away.

Western Union

A perfect way to send funds to family and friends worldwide.

Overdraft Protection

Manage everyday expenses knowing you won't be caught short of funds. 

Bank The Rest ® Savings Program

More about Bank the Rest

Free Add-Ons

Make saving easier with these convenient add-ons.

Bank The Rest ®  Savings Program

Pre-Authorized Contributions

Save automatically. It's the easiest way to save for the things that matter to you

Account Selector

Find the right account for me

Chequing & Savings Comparison Tool

Find the one that's right for you

Bank The Rest ®  Demo & Calculator

Turn Your Debit Purchases Into Savings

SCENE Calculator

See how fast points add up!

Additional Information

Transactions include 3 up to 4 teller-assisted transactions and up to 12 self-serve transactions encompassing: Interac debit card purchases, ABM cash withdrawals, bill payments (including pre-authorized debits), account transfers and cheques.

Additional transactions cost $1.25 each.

Summary of Account Fees.

Eligible for CDIC insurance 6

Scotiabank - DAY-TO-DAY BANKING - COMPANION BOOKLET N/A | pdf : 825 KB

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Basic Banking Account

Make an appointment

Takes about 8 minutes 

Conditions apply. Please read the  Scotia Rewards program terms & conditions  for Passport ScotiaCard cardmembers for full details.

Redeem 1,250 points for a free General Admission or 3D movie ticket in a regular auditorium, 2,000 points for a free Enhanced movie ticket (i.e. UltraAVX®, IMAX® and DBOX, including those in 3D), and 2,500 SCENE points for a free VIP Cinemas™ movie ticket. 125 SCENE points will be issued per adult transaction for a General Admission movie ticket, 200 SCENE points will be issued per adult transaction for an Enhanced movie ticket, and 250 SCENE points will be issued per transaction for a VIP Cinemas™ movie ticket. Members earn points on a maximum of one adult ticket and two child tickets per transaction, two transactions per day. See scene.ca/tickets for details.

Self-service transactions are debit transactions processed without the help of a teller through a Scotiabank ABM, telephone or Internet banking including cheques, bill payments (including pre- authorized payments) and Interac** Direct Payments. Additional fees apply for shared ABM services, cross-border debit transactions and other banking services not included.

Teller-assisted transactions are debit transactions processed directly with a teller at a Scotiabank branch.

Only the first 2 Interac e-transfers you make each month through Scotia Online or Scotiabank Mobile banking (using your Android TM* phone, or iPhone or iPad mobile devices) are free. Unused free Interac e-transfers cannot be carried forward to subsequent months.

Deposits are eligible to be insured under the CDIC Act only if they are in Canadian Currency, have a term of 5 years or less and are payable in Canada.

In the event of a return and/or exchange of any purchase for which SCENE Points were allocated, SCENE Points will be deducted automatically from your SCENE membership account. SCENE points can only be redeemed at participating Cineplex Entertainment theatres or scene.ca for other points offers (or rewards). Some conditions and limitations apply. Visit scene.ca for complete details. Points accumulated using the SCENE ScotiaCard will be updated within 2-3 business days for debit transactions.

Registered Trademark of The Bank of Nova Scotia

• Disclosures

The Best Travel Credit and Debit Cards with No Foreign Transaction Fees (Updated 2022)

No matter where you go or how long you travel, using a credit or debit card with no foreign transaction fees is one of the easiest ways to save money while travelling, period.

Currency exchange booths at airports and banks can be convenient, but a lot of your money goes towards exchange fees (e.g. $10 per exchange) and hidden commissions padded into poor exchange rates (especially the booths advertising “no commissions”). With a bit of research and planning, you can save  hundreds , if not thousands of dollars in fees over the long-term!

Credit and debit cards with no foreign transaction fees are the cheapest, easiest ways to get money and make payments overseas.  Credit cards are accepted worldwide, and ATMs are internationally networked through the Visa/Plus and Mastercard/Cirrus networks. You enter your PIN and withdraw your cash just like you would at home, while the exchange rates are automatically handled by the banks.

However, some credit and debit cards are better than others!  For the majority of cards, banks still try to add commissions and fees to each payment or ATM withdrawal made abroad. Even if you don't travel a lot, these fees add up quickly.

We've rounded up the best credit and debit cards around the world that minimize or eliminate these fees, putting more money back into your adventure funds!

NOTE: These are cards to be used overseas to avoid foreign transaction fees. For the best all around travel points cards, check out the travel rewards cards section of CardRatings , as well as our free guide “ How to Get Free Flights with Travel Credit Cards and Points “!

The best travel credit cards with no foreign transaction fees

Credit cards have various features that can make or break your travel savings. Ideally, these are the features to look for in a credit card:

• Foreign transaction fee of 0%
• Competitive points or cash-back rewards program (at least 1% of the purchase price)
• Extra perks, like free car or travel insurance

The best travel debit cards with no foreign transaction fees

These are the ideal features to look for in a debit card:

• Foreign transaction rate of 0%
• International ATM withdrawal fee of $0
• Refund of third-party ATM withdrawal fees (This is rare, but it exists!)
• Competitive points or cash-back rewards program (at least 1% of the purchase price)

Many banks around the world have come together to establish the Global ATM Alliance . If your card belongs to a bank in the alliance, you can make withdrawals from banks at other alliance member ATMs around the world without paying additional fees . Here's our roundup of the best debit cards for travel.

Essential tips for using debit and credit cards while travelling

1. pay using a credit card whenever possible..

Foreign ATMs can still inflate their exchange rates and charge withdrawal fees, but a direct credit card payment only involves the credit card you signed up with in your home country. And with a good points or cashback program, this beats any other method of foreign payment.

Bottom line? Always pay with a credit card, but  NEVER withdraw cash from an ATM with one. Credit cards charge interest on cash advances from the moment you withdraw it at the ATM.

2. Never take the option of paying in your own currency

Card terminals at shops and hotels will often detect that your card is from another country and offer to bill you in your home currency. Never choose this option – always pay in the foreign currency!  The exchange rate offered will be inflated by the card terminal, so if you’re using one of the credit cards recommended above, you will receive a much better exchange rate.

3. Inform your debit and credit card providers of your travels

Credit and debit cards are frequently being monitored by security departments for suspicious activity. If you're from the U.S. and you make an ATM withdrawal in Thailand when they don’t know you’re overseas, this could appear suspicious to your bank, and your card might be locked the next time you withdraw. Give your bank or credit card provider a call and let them know when and where you’ll be travelling. Take it from us – you  do not want to be stuck without cash and a useless card!

4. Obtain at least one debit and credit card on each of the Visa/Plus and MasterCard/Cirrus networks.

Even if you follow the advice in tip #3, it’s possible your card could get locked anyway. On top of that, it’s easy to find yourself in a situation where an ATM accepts only one network and not the other. For example, when we travelled in Japan, the only ATMs we could find that would even accept international cards were at 7-Eleven, and they only worked with cards on the Visa/Plus network. I speak from experience – there’s nothing more stressful than needing more cash and not being able to withdraw it, so be prepared and bring multiple cards on multiple networks .

5. Consider a credit card with included insurance

The jury is still out on whether it's safe to rely on car and travel insurance that is sometimes provided by credit cards, and unfortunately, the only way to know for sure is to file a claim after the accident has happened. If you're concerned about insurance, its best to be safe and purchase it from the car rental company, but if not, you might as well pay with a credit card that offers car insurance and hope for the best if you do end up in an accident. We generally try to use American Express cards when thinking about insurance, as they are managing the insurance on the cards worldwide, whereas Visa/Mastercard insurance is often handled by the card's issuing bank, and may not be as straightforward to redeem.

6. Keep backup cards in your hotel room

If you lose all your credit and debit cards while overseas, you're going to be in quite the pickle. Always keep at least one extra card back at your accommodation in case your main card or entire wallet is lost or stolen while you're out.

7. Bring $100 USD as backup cash

When all else fails, U.S. dollars are the closest thing to a global currency that we have today. It's the most commonly accepted currency, not only at exchange booths, but even at shops and restaurants in other countries. If there are no ATMs in sight or your cards have been stolen, an emergency backup of U.S. dollars will get you out an emergency situation.

Do you have another card recommendation? Know something we don't? Write it in the comments below!

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Thrifty Nomads has partnered with CardRatings for our coverage of credit card products. Thrifty Nomads and CardRatings may receive a commission from card issuers. Opinions expressed here are author's alone. Responses are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.

Nice! This is really helpful thanks!

Great tips for travelers!

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What are the best U.S. debit and credit cards to use overseas?

Just got off a long phone call with HSBC Canada. They are unable to tell me what their card issuer exchange rate surcharge. I had just come back from Mexico and used my HSBC ATM card on a HSBC ATM machine and I calculated the fee to be about 2.1% based on that days interbank rate. Shouldn’t this fee be in the disclosure statements? There was a class action lawsuit I believe many years ago because the credit card companies failed to state their foreign exchange surcharge. From what I’m reading on the Global ATM website is that Visa is involved with the foreign exchange when using an ATM and it states they add a 2.5% foreign exchange fee. You didn’t show this in your nice graphics above. Is it berried in the base exchange rate?

We use Visa Avion, which is good in all categories but I believe they do charge a slight foreign transaction fee. But we have claimed through their default insurance, both car, health, and travel. All minor things, but ya, no issues. The card is not free however, and unless you spend a lot each month or travel frequently it’s not worth it. For us, the points for the business transactions transfer to personal, so it really adds up! (Currently we have more than enough to fly the entire family pretty much anywhere. ) When abroad we usually only use the card for car rental or nicer hotels and of course flights or trains and such (to access insurance benefits one must book the flight etc on that card…) But read the fine print, confirm with the agent. For example, usually to get car insurance you have to wave the rental companies insurance. (This saved us a ton in Africa!) The rental agencies will even phone and confirm if they don’t know the card. These cards were set up for frequent business travelers originally. But read the fine print too, I know our card covers 30 days from home, but you can add insurance to the card for longer trips too. It’s all through RBC, and like any blood sucking corporation there are advantages for the savvy but their ultimate goal is to get you to pay twice for the same thing. Read the fine print, phone your card agent, etc… But we honestly have found the Avion worth it for us because of the company points.

This info is super helpful! For Canadians, what about the Marriott Rewards® Premier Visa® Card? I’ve been looking into credit and debit cards for an upcoming trip to Southeast Asia, and came across this card today. From what I can tell, it seems pretty good (no foreign currency transaction charges and has perks). Anyone have any experience or thoughts on this card? Thanks!

so where do you find that tangerine thrive chequing account info? I have an account with tangerine and I can find no info on this animal on their website

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Disclosures Many of the listings that appear on this website are from companies which we receive compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). The site does not review or include all companies or all available products. Thrifty Nomads has partnered with CardRatings for our coverage of credit card products. Thrifty Nomads and CardRatings may receive a commission from card issuers. Opinions, reviews, analyses & recommendations are the author’s alone, and have not been reviewed, endorsed or approved by any of these entities.

In this guide

Your reviews

Scotiabank debit card review.

Earn reward points and shop online with this Scotiabank debit card that has credit card features from Visa.

The Scotiabank Debit Card offers a combination of benefits to enrich your banking experience. These include card features such as online payments, zero-liability protection and a return on points with some debit cards. You'll automatically be registered for a Scotiabank Debit Card when you sign up for a chequing or savings account, and you can start spending money online as soon as you pick up your card at a branch or get it in the mail.

30-second take

• Think about this card if you're looking to earn rewards or you'd like to be able to make payments online without a credit card.
• Choose something else if you want access to direct credit or you would rather shop with a Debit Mastercard (some vendors, such as Costco, don't accept Visa).

The Scotiabank Debit Card is an everyday debit card that lets you enjoy a number of unique credit card features from Visa. While it’s not a credit card, you can use this card to shop online. It will also let you earn points wherever you shop if you register for a SCENE or Scotiabank Passport Debit Card. You’ll be signed up for a Scotiabank Debit Card automatically when you open most Scotiabank chequing or savings accounts.

Types of Scotiabank debit cards

There are three main types of Scotiabank debit cards to choose from, depending on what types of rewards you want to collect.

• The ScotiaCard with Visa Debit . It seems that the ScotiaCard with Visa Debit is the only debit card that doesn’t offer a return on rewards. This is likely the default card that gets issued unless you specifically request a SCENE or Passport Debit Card.
• The SCENE ScotiaCard with Visa Debit . Earn 1 SCENE point for every $5 you spend on debit purchases. These points can be redeemed for movies and other rewards with participating Cineplex theatres.
• The Passport ScotiaCard with Visa Debit . Earn 1 SCENE point for every $5 you spend on debit purchases. These points can then be redeemed for merchandise, travel and other rewards at scotiarewards.com .

If you’re in the market for a debit card that lets you earn points and shop online, you may want to sign up for a Scotiabank Debit Card.

• Tap payments. Pay for purchases on the go when you tap your card at Interac Flash-enabled terminals.
• Shop internationally. Use your Scotiabank Debit Card to make purchases online or in-person when you shop or travel in the USA or internationally.
• Pay for recurring bills. Sign up for recurring bill payments for your Internet, phone, streaming services and more using your Scotiabank Debit Card.
• Free Scotiabank ATM withdrawals. Use your Scotiabank Debit Card to withdraw cash at Scotiabank ATMs for free (or pay a fee at non-Scotiabank and international ATMs ).
• Earn rewards. Earn points that you can put towards travel and entertainment for making everyday purchases with your Scotiabank SCENE or Scotiabank Passport Debit Card.

Where can I use my Scotiabank Debit Card online?

Visa Debit allows you to pay for purchases online directly from your bank account. You can also use your Scotiabank Debit Card overseas to shop with millions of merchants in over 200 countries almost everywhere that Visa is accepted. This sets Scotiabank Debit Visa Cards apart from Debit Mastercards, which are limited to a short list of online Canadian providers by comparison. Read our review on the BMO Debit Mastercard.

• Fee-free transactions. You won’t pay fees on your Scotiabank Debit Card long as you avoid exceeding the transaction limits of your banking plan.
• Easy mobile banking. Manage your money on the go with Scotiabank’s simple online and mobile banking platform.
• Overdraft protection available. Protect yourself from having to pay fees for non-sufficient funds (NSF) with overdraft protection on your Scotiabank Debit Card.
• Zero-liability coverage. Rest easy knowing you’re protected against fraudulent charges on your Scotiabank Debit Card with zero-liability coverage.
• Can be linked to mobile wallet. Link your Scotiabank Debit Card to your mobile phone using Apple Pay, Google Pay or Samsung Pay.

What to watch out for

• Transaction limits. You may be required to adhere to daily spending limits.
• Foreign transaction fees. You’ll pay an additional fee of 2.5% in foreign transaction fees on any amount of money you spend overseas.
• No access to credit. This card is strictly a debit card and won’t give you access to any balance that you don’t already have in your bank account.
• No return on points for some cards. You won’t earn points on your Scotiabank Debit Card unless you sign up for the Scotiabank SCENE or the Scotiabank Passport Debit Card.

What should I know before I apply?

Eligibility requirements.

You won’t need to apply for a Scotiabank Debit Card because you’ll get one automatically if you meet the following criteria:

• You’re a Canadian citizen, permanent resident or temporary resident of Canada.
• You’re applying for a Scotiabank chequing or savings account that qualifies for this card.

Required documents and information

To sign up for an eligible Scotiabank account, you’ll need to provide:

• Your name, residential status and contact information
• Your Social Insurance Number and date of birth
• Your email address and phone number

How to apply

• Visit Scotiabank’s main page to apply for the chequing or savings account of your choice.
• Complete the application, which includes providing your name, email address, Social Insurance Number and birth date.
• Review and submit your application.
• Your Scotiabank Debit Visa should come automatically included with your account once you sign up, though you may need to specify if you want a regular ScotiaCard, Scotiabank SCENE Card or a Scotiabank Passport Debit Card.

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Comprehensive guide to debit cards

Frequently asked questions about the Scotiabank Debit Card

Is the scotiabank debit visa a credit card, what are the daily limits on the scotiabank debit card, are there any scotiabank debit card promotions available, will i need to pay fees on my scotiabank debit card, can i use my scotiabank debit card online, can i use my scotiabank debit card in the usa, how can i check my scene points on my scotiabank debit card.

Claire Horwood

Associate editor

Claire Horwood was a writer at Finder, specializing in credit cards, loans and other financial products. She has a Bachelor of Arts in Gender Studies from the University of Victoria, and an Associate’s Degree in Science from Camosun College. Much of Claire’s coursework has focused on writing and statistics, with a healthy dose of social and cultural analysis mixed in for good measure. In her spare time, Claire enjoys rock climbing, travelling and drinking inordinate amounts of coffee. See full profile

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Where can I use my ScotiaCard with Visa Debit?

Here's where you can use your ScotiaCard with Visa Debit:

• In Canada: Use your Visa debit card anywhere that accepts Interac or Interac Flash
• Online: Use your Visa debit card anywhere that accepts Visa
• Internationally: Use your Visa debit card anywhere that accepts Visa

In all cases, funds are debited directly from your bank account.

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How can I get a ScotiaCard with Visa Debit?

Does Visa Debit work in automatic banking machines (ABMs)?

Will all retailers accept the ScotiaCard with VISA Debit card?

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