Get rewarded for your everyday spend

Use your Scotiabank credit card and you can win.

“Everyday Spend” Credit Card Usage Campaign 

Terms and Conditions

The following definitions apply to these Terms and Conditions:

  • “Cardholder” means the primary cardholder of eligible Scotiabank credit cards.
  • “Promotional Period” refers to the period from September 20, 2021 to November 15, 2021.
  •  “Promotion” refers to this competition and not any of the Bank’s other competitions or programs.
  • “Eligible” refers to qualification to receive an offer to participate in this promotion.
  • "Purchases" means any retail, internet purchase, phone or mail order purchase or Point of Sale transactions. 
  • “Eligible Purchases/transactions” means any retail, internet purchase, phone or mail order purchase or Point of Sale transactions done at select merchants with the following merchant codes:-


Merchant Codes

Grocery Stores, Supermarkets


Wholesale Club


Utilities, Electric, Gas, Water


Hardware Stores


Automotive Parts & Accessories Stores


Telephone Services


Automated Gasoline Dispensers (Stations)


“Purchases” do not include returns/credits, any fees and/or bank charges.

  • “Eligible credit cards” refer to Scotiabank Mastercard and Scotiabank Visa credit cards.
  • “Reward” refers to the prize a customer gets when they are selected as a winner in the competition.
  • "Scotiabank" or “Bank” means The Bank of Nova Scotia Jamaica Ltd., Scotiabank (Bahamas) Limited, Scotiabank Turks and Caicos Ltd., Scotiabank & Trust (Cayman) Ltd.

This Promotion is opened to legal residents of Turks and Caicos Islands who are 18 years of age or older. These terms and conditions shall be governed by the applicable laws of the named country.

How to Participate:

During the promotion period customers from the different countries will receive one (1) entry for every three (3) eligible purchases with minimum spend as outlined below. There is no limit on the number of entries. 


Minimum Spend for eligible purchases

Turks & Caicos


Example for Jamaica. If a customer does a total of four (4) transactions as follows:-

  1. JM$7,500
  2. JM$5,000
  3. JM$9,000
  4. JM$12,000

The customer will receive one (1) entry for the qualifying spends of JM$7,500, JM$9,000 and JM$12,000.

  • For each entry, the customer will be entered for a chance to win one (1) cash prize valued at the amount as outlined in table below. Number of winners per country is also noted in table below.



Number of Winners

Turks & Caicos


2 winners

Prizes will be credited to customers’ Scotiabank chequing or savings account by January 30, 2022.

If winner does not have any such account with Scotiabank a draft/manager’s cheque with prize will be made payable to winner.


  • This promotion is open to legal residents of  the Turks and Caicos Islands 18 years of age or older, who hold an eligible Scotiabank 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 of 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 enter.

  •  Eligibility is restricted to Scotiabank credit card cardholders whose account is still active at the time of the draw, is in good standing and has not been frozen or closed.

  • All eligible transactions will be considered toward the earning of entries; there are no limits on the number of entries.  All transactions in local and USD currency are eligible.

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

Draw Prize

  • The draw for the prizes will be done on January 7, 2022 by the Regional Products/Marketing Team for the participating countries.
  • The allotted number of winners will be randomly selected by a randomizer from an electronic customer database with qualifying entries.   Four (4) entries will be drawn as “back up winners”.

Draw - Consumer Disclosure / Notification of winners

  • Attempts to notify the selected entrant will be made by telephone (using the cardholder’s phone number as found within the Bank’s records), five (5) times within five (5) days from the date of the draw.  Should the Bank be unable to speak to the selected entrant by telephone within the aforementioned period their eligibility will be voided and another entrant will be drawn from the “back up winners” in their stead (in the order they were selected). After the initial telephone notification, an email will be sent to the selected entrant. The selected entrant will then be required to provide proof of their age and sign an Affidavit of Eligibility/Prize Acceptance and Release within five (5) days of the email notification to be confirmed as a winner. The winner will also be required to provide proof of ownership of the Scotiabank credit card that was used to win the prize.  National valid ID must also be presented to collect prize. For example, National ID, Passport, and Driver’s License.
  • If the selected entrant declines to fulfill these conditions to collect the prize, their eligibility will be voided, and another winner will be drawn from “back up winners” in the order they were selected. All unaccepted prizes will be retained by the Bank.
  • The winners’ name may be published in the media. The winner must agree to the use of his or her name and photographs/ videos featuring their image and likeness without compensation in any forthcoming publicity by Scotiabank or the prize may be forfeited.
  • The winner will be responsible for any taxes, tips, insurance and expenses not explicitly stated as part of their prize and must agree to release, discharge and hold harmless the Bank from and against any or all claims, losses, injuries or damages resulting from participation in the promotion.
  • The use of your eligible Scotiabank credit card to make purchases constitutes your consent to participate in this Promotion and your consent for The Bank to obtain your name, address and other information for the lawful purpose of administering this Promotion and for other uses as permitted by applicable law.  Scotiabank reserves the right, with consultation and approval from the relevant Gaming Commissions (Betting, Gaming and Lotteries Commission in Jamaica and the Gaming Board for The Bahamas) to void any and all entries of an entrant who Scotiabank believes has attempted to tamper with or impair the administration, security, fairness or proper play of this contest.
  • This Promotion is a limited-time promotion which will run from September 20, 2021 to November 15, 2021 inclusive.
  • A cardholder’s reward 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.
  • Prizes are not transferable and are subject to change, with approval from the relevant Gaming Commissions (Betting, Gaming and Lotteries Commission in Jamaica and the Gaming Board for The Bahamas) as applicable.
  • Prizes must be accepted as awarded.
  • 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.

In all matters relating to this promotion, the decision of the Bank shall be final and binding in all respects, subject to the approval from the relevant gaming authorities, (including BGLC approval for Jamaica).

Subject to the approval from the relevant gaming authorities, (including BGLC approval for Jamaica):

  • 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 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.

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