Manage your credit card | Scotiabank Canada (2024)

Manage your account
Easy ways to pay
Stay informed
Protect yourself

Manage your account

Activate your card

Activate your cardonlineor call us at1-800-806-8600. It’s quick, easy, and secure. Once activated, your card and any other cards on your account are ready to use.

Please note:only the primary cardholder can activate a credit card.

Activate your card Go to Activate your card page

Add a supplementary card

Getting a supplementary card (also known as authorized user card) for your partner or another member of your household can help you maximize your rewards. Plus, your statement includes an itemized list of transactions so you can keep track of how much each person is spending. Remember that you will be responsible for all transactions made by the supplementary cardholder you add to your account. To request a supplementary card, sign in to Scotia OnLine®.

Report lost or stolen cards

If your credit card is lost, stolen or you need a replacement, please call us immediately. We’ll send you a new card replacement right away.

Call1-800-387-6466(Canada/USA)
Call(416) 288-1440(Greater Toronto, outside Canada and USA, call collect)
Relay services for Deaf, deafened, and hard of hearing customers are available.

Switch or close your account

Whether you want to switch to another Scotiabank credit card, consolidate multiple Scotiabank credit card accounts, or close your Scotiabank credit card account, we can help.

Call1-866-267-4935
Monday to Friday 9:00 a.m. - 9:00 p.m. (ET)
Saturday 10:00 a.m. - 6:00 p.m. (ET)

Easy ways to pay

Make your Scotiabank credit card your payment method of choice

Simplify your online and in-app purchases by customizing your payment preferences and pay the way that you want. You can add your Scotiabank credit card to your favourite apps and online retailers where you use your card for everyday purchases and set it as your default payment method for a faster, easier checkout. There’s no need to re-enter your billing details every time you make a purchase—quickly pay and be on your way.

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Credit Card Benefits: Card Convenience
See how to help simplify your purchases and bill payments

Pre-authorized or recurring bill payments

Set up pre-authorized payments¹and pay bills automatically with your Scotiabank credit card. From utilities to gym memberships or other recurring payments, set up pre-authorized payments on your Scotiabank credit card so your bills will be paid on time. No need to worry about due dates or missed payments. Plus, if you earn cash back or points with your card, you’ll earn the rewards you want even faster.

Please contact your service providers to set up automatic pre-authorized payments on your credit card. If your card is renewed or replaced, remember to advise the merchant or retailer with whom you have set up pre-authorized payments and provide them with your updated account details (i.e., new account number and expiration date).

Mobile Wallet Services

Add any eligible Scotiabank credit card to Apple Pay, Google Pay, or Samsung Pay to easily make payments with your mobile device. It’s convenient - you can use your phone to pay at any merchant that accepts tap. It’s also secure - your card information is never shared with the merchant.

Contactless payments

Contactless payment functionality is a convenient feature included on all Scotiabank credit cards. You’ll save time when paying for small, everyday purchases. Simply wave your card over a special card reader and go! No swiping, signing, or entering your PIN for most purchases at participating stores^†. It’s a faster way to pay.

Just look for this symbol in participating stores at the checkout.

Click to Pay^Δ*

Paying online with your Visa card is easy, smart, and secure. Just click to pay with your Visa when you see the Click to Pay icon where your Scotiabank card is accepted.

Learn more, Click to PayΔ*

Scotia SelectPay^TM

A new, flexible way to pay off your eligible Scotiabank Visa* credit card purchases of $100 or more, with no interest rate on your plan and a low fee.^§

Learn more, Scotia SelectPayTM

Stay informed

Online and mobile banking

WithScotia OnLineandMobile Banking, it’s easy to access your credit card account information anywhere, anytime:

Check your current balance and account history
View an itemized list of transactions
Pay your credit card bills from your bank account
Check your rewards balance
Set up travel notifications

Activate online and mobile banking Activate online and mobile banking

Your account at your fingertips

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Scotia® InfoAlerts

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

Balance Alerts

Find out when you’re near your credit limit or if your balance goes above or below a specific amount.

Security Alerts

Get alerted when funds are withdrawn from your credit card as a cash advance, when a purchase exceeds the limit you’ve set, or if your card has been used online, by phone, or outside of Canada.

Transaction Alerts

Be notified when your Scotiabank credit card payment is due, or if you’ve missed a payment.

It’s quick and easy to set up:

Sign in to Scotia OnLine.
Click the blue "Scotia InfoAlerts" link located below the "Manage My Accounts" heading on the right-hand side of the page.
Click the blue "Alerts" link.
Then follow the on-screen instructions to select the InfoAlerts you want to receive.

Protect yourself

Fraud protection

Your security is important. Whether you’re using your Scotiabank credit card online or in-store, rest assured that you’re protected against unauthorized transactions. Depending on the kind of credit card you have with us, you’re covered with theVisa Zero Liability Policy²,American Express Fraud Protection Guarantee³orMastercard Zero Liability Protection.

While we’re committed to keeping your financial information secure, it’s also important for you to do your part to help minimize the risk of fraud and unauthorized transactions on your card.

Expand your security know-how Learn more on how to expand your security know-how

Stay safe with these simple tips

Do not pick a Personal Identification Number (PIN) which is too familiar, easily identified or can be guessed by someone else, like your name, 1234, your birthdate, or your telephone number.

Do not write your PIN down or share it with anyone. As long as you keep your PIN confidential, only you will be able to use it. If you suspect that someone else knows your PIN, you should change it immediately.

Use your hand or body to shield your PIN when you’re making purchases at any checkout terminal or when using an ABM.

Review your monthly statements. If you notice unusual activity on your credit card, call the number on the back of your credit card and report it immediately.

Never let anyone use your credit card.

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Credit Card Benefits:Security (American Express)

Be assured that you and your credit card account are protected from fraud, travel interruptions and more^‡.

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Credit Card Benefits:Security (Visa)

Be assured that you and your credit card account are protected from fraud, travel interruptions and more^‡.

Scotia Credit Card Protection(optional)

This optional insurance coverage can provide you and your family financial protection by paying off your outstanding account balance or helping to cover your monthly credit card payments as a result of certain unexpected life events, such as Death, Critical Illness, Hospitalization, Disability, Job Loss or Strike or Lockout.

There are two different coverage bundles to choose from:

Basic Protection

Death Benefit
Critical Illness Benefit
Hospitalization Benefit

Comprehensive Protection

Death Benefit
Critical Illness Benefit
Hospitalization Benefit
Disability Benefit
Job Loss Benefit
Strike or Lockout Benefit

Learn more about Scotia Credit Card Protection