The following definitions apply to these Terms and Conditions:

·       “Cardholder” means the Primary cardholder of a Scotiabank Mastercard® credit card.

·       “Promotional Period” refers to the period from July 6^th, 2026, to September 20^th, 2026. 

·       “Digital Entry” refers to each entry the cardholder will receive during this Promotion.

·       “Promotion” refers to this promotion and not to any of the Bank’s other promotions or programs.

·       “Eligible” refers to qualification to participate in this Promotion. A Cardholder must receive and open an email invitation from Mastercard® to participate in this Promotion. If the Cardholder does not receive and opens an email invitation from Mastercard®, they will not be eligible to participate in this Promotion, regardless of reaching the Spend Goal.

·       “Eligible Purchase/Transaction” means any retail, internet, phone or mail order purchase or Point of Sale transaction (not including returns/credits or any fees and/or bank charges) that meets the minimum Spend Goal.

·       “Purchases" means any retail, internet, phone or mail order purchase or Point of Sale transaction.

·       “Eligible Credit Card” refers to all personal Scotiabank Mastercard® credit cards.

·       "Spend Goal” refers to the predetermined amount, that will be shared with selected Cardholders by way of email, and which must be met by making eligible Purchases or performing Eligible Transactions using the Cardholder’s Scotiabank Mastercard® credit cards.

·       “Good Standing” refers to a credit card product that is active, the Cardholder has not engaged in any prohibited activities and is fulfilling the terms and conditions of their Financial Services Agreements with Scotiabank.

·       “International Purchase” is an eligible online purchase/transaction made to a merchant with an international domain address.

·       “Prize” refers to the item(s) listed below that a credit card Cardholder may win if they are selected as a winner in this Promotion.  

·       "Scotiabank" or “the Bank” means Scotiabank (Barbados) Limited. 

This Promotion is open to legal residents of Barbados, who are 18 years of age or older. These terms and conditions shall also be governed by the applicable laws of Barbados.

Eligibility

·       This Promotion is open to legal residents of Barbados aged 18 years of age or older, who hold an eligible Scotiabank Mastercard® credit card with the exception of employees of the Bank, its respective parent companies (The Bank of Nova Scotia and Bank of Nova Scotia Group) and subsidiaries; their immediate family members (spouses, parents, children, siblings and their respective spouses) and/or those living in the same household as any of these employees. Employees of the Bank’s advertising and promotional agencies, as well as their immediate family members, relatives and/or those living in the same households are also not eligible to participate in the Promotion.

·       Existing Scotiabank Credit Card Clients who have or have opened a credit card with The Bank during the Promotional Period, are also eligible for this Promotion.

·       Eligibility is restricted to selected credit card Cardholders that are still active at the time of the draw, are in Good Standing and have not been frozen or closed.

·       All Eligible Purchases/Transactions will be considered toward the earning of entries. There is no limit on the number of entries a Cardholder may receive.  All transactions in local and foreign currency are eligible.

·       If a cardholder earns a Prize but ceases to be a client during the Promotional Period, or the Individual's Accounts cease to be in good standing or becomes an “immediate family member”, then the cardholder shall be considered ineligible to receive the Prize.

·       Transactions from unauthorized card use or those made with lost, stolen, or fraudulent Scotiabank credit cards will be considered void in the matter of this Promotion.

  How to Participate/ Draw Prizes:

·       During the Promotional Period, Cardholders will receive an initial email and reminder emails to their email address on the Bank’s record, which will contain details of the Promotion including their accumulated Spend Goal amount required to participate. This accumulated Spend Goal must be reached during the Promotional Period.

·      Cardholders will receive one (1) entry to participate in the Prize draw for each occasion they achieve their personalized Spend Goal during the Promotional Period. The goal will be communicated individually to each client by email:

o  For example, if a Cardholder received a spend goal of BBD$100 and at the end of the Promotional Period, and the Cardholder has accumulated BBD$500, the Cardholder will generate five (5) opportunities to participate for the “Prize”.

·       For each International Purchase and/or for each registration of participating credit card for recurrent payments, clients will receive one (1) additional opportunity to participate.

·       There is no limit on the number of entries a Cardholder may receive during the Promotional Period.

·       This Promotion is a limited-time promotion which will run from July 6, 2026 to September 20, 2026.

·       If the winner declines to fulfill these conditions to collect the Prize, their eligibility will be voided, and another winner will be drawn from the back-up winners in the order they were selected. All unaccepted prize will be retained by the Bank.

·       Contact will be attempted using the Cardholder’s phone number as found on The Bank’s records. If the winner cannot be contacted by telephone within five (5) days of the draw date the Bank has the right to offer prize to back up winner.

·       The draw for the Prizes will be done in the dates outlined below, by the Scotiabank Regional Product Marketing Units. Dates described below are a reference and may vary depending on the circumstances.

·       The allotted number of winners will be randomly selected from an electronic customer database with qualifying entries using a randomizer.  Ten (10) entries will be drawn as back-up winners.

 Prize:

·       Each entry generated will qualify the Cardholder to be entered to win one (1) prize. Note that a Cardholder can only win once in the “Scotiabank Mastercard® Spend and Get Credit Campaign”.  

·      A total of one (1) Travel Package will be awarded after the close of the Promotion Period.

·       The Prize winner will be drawn no later than October 5^th, 2026, and communicated to the winner within twenty (20) business days after the end of the Promotional Period.

·       Following the Prize draw, the winner will be notified via the contact details for whom the email was addressed to. The winner has 48 hours from the time and date of the notification being sent to respond to and claim the Prize. If the Prize is not claimed by the winner within this time frame, the Prize will be selected from the back-up winners in the order that it was drawn, and any previous winner will forgo all claims to the Prize.

·       The “Travel Package” is available for use only by legal residents of Barbados who are 18 years of age or older.

 The prize is a “Travel Package”, with Mexico as the designated destination.

The Travel Package is only redeemable as follows for Credit Card Cardholders:

·       Round trip airfares from Bridgetown, Barbados to Mexico City for one (1) winner and one (1) winner guest, to travel before February 28, 2027.

·       1 Standard baggage (23kg) per person.

·       Transportation form airport – hotel – airport in Mexico City for two (2).

·       Five (5) days and four (4) nights of accommodation.

·       Transportation for all activities included within the “Travel Package”. Standard baggage (23kg) per person.

·       Excursions/activities for two (2).

·       This is a single-use Travel Package. Any unused portion of the Package is forfeited and is not redeemable for cash or other forms of credit.

·       The Prize is not transferable.

.       Winner must provide information in advance about their respective guest, who must comply with the  terms and conditions of this Prize.

·       Once the winner has shared the data of the guest, no changes can be made.

·       The winner and their guest are solely responsible for ensuring that they comply with all the necessary immigration requirements (which include but are not limited to obtaining any relevant travel documents, visas, and permissions) to travel to the selected country above. No assistance will be provided by the Bank in relation to visa processing, application services, or associated fees, and these should not be expected or considered as part of the Prize.

 Exclusions of the “Travel Package” or “Prize”:

The following items are not included in the Travel Package, and any associated costs are to be covered exclusively by the Winner and their guest:

·       Any incidental travel expenses, as well as any ground, air, or rail transportation costs not expressly detailed above—including, but not limited to, transportation to and from the Winners' residences—are excluded and will not be covered.

·       Any costs associated with the dispatch/ delivery of passports and/or travel visas.

·       Connecting flights (including from home city to the departure gateway city).

·       Sightseeing tours and other in-selected destination activities.

·       Travel-related fees/surcharges (including, but not limited to, additional baggage, airport improvement fees, taxes, etc.).

·       Long distance telephone calls, room service, laundry service, mini-bar items, loss of hotel property, payment for damage to hotel property, or any other expense incurred at the hotel.

·       Transportation during guests' free time outside of scheduled activities.

·       Excess baggage fees.

·       Costs associated with obtaining necessary vaccinations.

·       Items of personal nature / personal expenses.

·       Additional meals.

·       Room upgrades.

·       Tips & gratuities.

.       Medical assistance/coverage.

·      Any activity not specifically included in the “Travel Package” shall be considered as excluded unless otherwise decided by Scotiabank in it is sole discretion.

·       Scotiabank will not be responsible for any changes that occur in the Prize.

·       In the event of any cancellation of the Prize, Scotiabank is released from all liability and will not apply for refunds or compensation in this regard. The Prize cannot be exchanged for cash either.

 The winners’ name may be published in the media. The winner must also agree to the use of their name, and/or the use of videos and photographs of them without compensation, in any forthcoming publicity by Scotiabank specific to this Promotion.

 In all matters relating to this Promotion, the decision of the Bank shall be final and binding in all respects.

 Scotiabank has the right to exclude any individual from this Promotion in its absolute discretion without any obligation to provide notice or reason.

 Scotiabank reserves the right in its absolute discretion to vary the terms and conditions of this Promotion or change or withdraw this Promotion at any time without giving any reason. In the event of a dispute arising from this Promotion, the Bank’s decision is final.

These terms and conditions apply only to this Promotion and do not apply to any of the Bank’s other promotions or programs or any other promotion or program in conjunction with the Bank and any other entity or brand. 

 To unsubscribe from receiving communications about, and/or to opt out of this Promotion, please call the Scotiabank Contact Centre by dialing the number on the back of your Scotiabank Mastercard credit card up to 15 days after receiving your invitation email. 

* Trademark of The Bank of Nova Scotia used under license.

® Mastercard is a registered trademark of Mastercard International Incorporated.