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Terms & conditions


The following definitions apply to these Terms and Conditions:

Eligible” refers to individuals preselected to participate in this Contest

Eligible transaction” refers to transactions considered in the earning of cashback and are limited to purchases minus returns/credits, and will not include cash advances, balance transfers, credit card cheques, and any fees and/or finance charges.

“Cardholder” means the credit card holder of Eligible Scotiabank credit cards

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

“Promotional Period” means from July 26, 2022 to September 16, 2022 inclusive.

“Scotiabank” and “The Bank” means Scotiabank Turks and Caicos Ltd.

How to participate 

Selected Scotiabank Credit Card Cardholders will earn 5% cashback on every dollar spent in the promotional period above the minimum threshold stipulated below. This reward/cashback will be capped at a maximum dollar amount for the entirety of the promotional period.

See the below matrix for capped maximum dollar amount and minimum spend threshold




Turks and Caicos



The earned reward will be credited to the applicable cardholder accounts no later than 90 days from the end of the campaign (September 16, 2022). These rewards (CASHBACK) will be paid in addition to any rewards earned through the regular use of the selected Scotiabank Card.


  • Only purchase transactions using a Scotiabank Credit Card are considered eligible for this promotion. No other Scotiabank products will be eligible for this promotion.
  • Only transactions at the following merchant groups are considered eligible for this promotion

Merchant Group

Book Stores

Children's Apparel

College, University Education

Communications, Telecommunications Equipment

Computer / Software Stores

Consumer Electronics / Appliances

Elementary, Middle, High Schools

Family Apparel

Newspapers and Magazines

Shoe Stores

Vocation, Trade and Business Schools

  • This promotion is open to selected legal residents of Cayman Islands, 18 years of age or older, who hold an eligible Scotiabank Credit Card. Eligibility is restricted to selected Scotiabank Cardholders whose account is in good standing and has not been blocked, frozen, stolen or fraudulently obtained, mislaid, lost or written-off, or delinquent during the Promotional Period or within the past twelve (12) months.

Official rules and regulations 

  • This Promotion will run from July 26, 2022 to September 16, 2022 inclusive.
  • All eligible transactions will count towards the total cumulative purchase amount, to a maximum reward of $20. All transactions in local and USD currency are eligible.
  • Service charges, annual membership fees, interest charges and account credit/adjustment transactions are not eligible transactions.
  • Prizes are not transferable and are subject to change at the sole discretion of The Bank. Prizes awarded will be considered final. The Bank will not be responsible for changes to the prizes which result from circumstances outside of their control. Scotiabank will issue no representation or warranty in respect of the prize.
  • Transactions from unauthorized card use or those made with lost, stolen or fraudulent Scotiabank cards will be considered void in the matter of this offer. By reading this document, the Cardholder is deemed to have accepted all of the applicable terms and conditions.


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

Scotiabank has the right to exclude any individual from this offer 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 promotional offer, 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.


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