Cash Back Rewards Program Terms and Conditions 

Please read the following Scotiabank Cash Back Rewards Program Terms and Conditions carefully. It is a legal contract. The Scotiabank Cash Back Rewards Program Terms and Conditions contain provisions that may restrict or reduce your rights. The Scotiabank Cash Back Rewards Program Terms and Conditions also contain provisions that are designed to protect Scotiabank.

  • All Scotiabank Cash Back Rewards will be credited to the primary cardholder only. Secondary cardholders and any other additional cardholders are not participants in the Scotiabank Cash Back Rewards Program and do not earn Scotiabank Cash Back Rewards.
  • Your credit card account must remain in good standing to receive the Scotiabank cash back rewards. You will stop earning the Scotiabank Cash Back Rewards if you miss two consecutive minimum payments in full.
  • Your credit card account must remain in good standing to retain accumulated Scotiabank Cash Back Rewards. All accumulated and pending Scotiabank Cash Back Rewards will be forfeited if you have missed three consecutive minimum payments in full, or if your credit card account is closed, revoked, frozen, lost or stolen.
  • We can (subject to applicable law) change the Program terms and conditions without notifying you beforehand.
  • We can also suspend or terminate your participation in the program, and cancel your Scotiabank Cash Back Rewards account and your Cash Back Rewards under certain conditions without notice to you before and without liability to us.
  • The Program terms and conditions contain many other provisions that apply to you and Scotiabank. You are encouraged to read the Program terms and conditions carefully to review and understand all the provisions that are binding on you and Scotiabank.
  • By signing, activating, retaining or using your credit card, you agree that you have received and that you have read the Program terms and conditions and you are knowingly and voluntarily agreeing to all of its provisions.

Terms and Conditions applicable to the Scotiabank Cash Back Rewards Program and Scotiabank credit card accounts which participate in the Scotiabank Cash Back Rewards Program.


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