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Terms & Conditions

  • “Cardholder” means the holder of a Scotiabank retail credit card.
  • “Promotional Period” refers to the three promotional periods in this campaign between May 1, 2022 – January 31, 2023.
  • “Spend Bonus Period” refers to the period in which the Cardholder spend must occur:  Period 1: May 1 to July 31, 2022; Period 2: August 1– October 31, 2022; Period 3: November 1, 2022 – January 31, 2023.
  • “Promotion” refers to this promotion and not any of the Bank’s other promotions or programs.
  • “Eligible” refers to any individual qualified to participate in this Promotion.
  • “Spend Target” refers to the goal set for Net Purchases, which includes any retail, internet purchase, phone or mail order purchase or Point of Sale transaction, considered in the earning of cashback / points.  
  • “Cashback/Points Bonus” refers to the credit a Cardholder will receive if Spend Target is achieved during the Spend Bonus Period with his/her credit card.
  • “Net Purchases” refers to purchases (any retail, internet purchase, phone or mail order purchase or Point of Sale transaction) minus returns / credits and does not include cash advances, balance transfers, credit card cheques, any fees and/ or finance charges.
  • "Scotiabank" or “Bank” means The Bank of Nova Scotia Jamaica Limited.

These Terms and Conditions supplement the terms and conditions of your Scotiabank Credit Card Cardholder Agreement (the “Cardholder Agreement”). Capitalized terms used but not defined in these Terms and Conditions shall have the meanings defined and set out in the Cardholder Agreement.

This Promotion is open to legal residents of Jamaica, who are 18 years of age or older. These Terms and Conditions shall be governed by the applicable laws of the named countries.

In this Promotion Scotiabank Cardholders will earn promotional benefits as detailed in the chart below for each country listed above:



Credit Card



- AERO Platinum Mastercard


- Gold Mastercard
   (Local and USD)


- Gold Visa


- Platinum Mastercard
   (Local and USD)



  • Each Cardholder included in this Promotion, will be advised via email of their unique Spend Target and Cashback/Points Bonus to be earned for each Spend Bonus period:
    • Point Bonus earned specific to AERO Platinum Mastercard product.
    • Cashback Bonus earned specific to Gold Visa, Gold Mastercard (JMD), Gold Mastercard (USD), Platinum Mastercard (JMD) and Platinum Mastercard (USD) products.
  • Spend Target must be achieved within a Spend Bonus Period:
    • Cardholders will receive the Cashback / Points Bonus for every Spend Target they achieve within the Promotional Period.
  • The maximum Cashback/Points Bonus is capped based on their targeted Spend Bonus during the Promotional Period
  • Example(s):
    • If an AERO Platinum Mastercard cardholder achieves their Spend Target of JMD $190,000 during Spend Bonus Period 1 (May 1 – July 31, 2022), the cardholder will earn the Spend Bonus of 2,000 AERO points.
    • If a Gold Mastercard cardholder achieves their Spend Target of JMD $300,000 during Spend Bonus Period 2 (August 1 – October30, 2022), the Cardholder will earn the Spend Bonus of JMD $15,700 cashback.


Timing of Credit

Credit Cardholders who achieve their Spend Target will have their Cashback/Points Spend Bonus applied to their credit card account no later than 60 days after the end of each Spend Bonus Period.

In order to be eligible to receive the above-mentioned Spend Bonus, the Cardholder's credit card must be in good standing and must not have been blocked, frozen, stolen or fraudulently obtained, mislaid, lost or written-off, or delinquent.

This is a limited-time promotion which will run from May 1, 2022 to January 31, 2022 inclusive.

  • The Bank reserves the right to determine which purchases qualify for this Spend Bonus.
  • A Cardholder’s Spend Bonus earned through participation in this Promotion will be forfeited in the event that the Cardholder ceases to be a Cardholder at any time during the Promotion or transactions done, using the card, during the Promotional Period are reversed.

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.


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


® Mastercard is a registered trademark of Mastercard International Incorporated.    

® VISA is a registered trademark of VISA International Service Association.


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