Welcome to the game,

The following definitions apply to these Terms and Conditions:

Definitions

·        “Eligible” refers to any individual qualified to participate in this Promotion by either opening a new Visa retail credit card account during the Promotional Period or by using their existing Visa retail credit card and meeting the requirements of the Minimum Transaction Value set.

·        “Eligible Purchase/Transaction” refers to any retail, internet, phone or mail order purchase or Point of Sale transaction (not including returns/credit or any fees and/or bank charges) that meets the Minimum Transaction Value. Please note that only local currency transactions are eligible (i.e no transactions requiring foreign exchange are eligible).

·        “Purchases” refers to any retail, internet, phone or mail order purchase or Point of Sale transaction.

·        “Eligible Credit Cards” refers to all personal Scotiabank Visa credit cards.

·        “Minimum Transaction Value” refers to the predetermined spend requirement amount for each Visa credit card: Aero Platinum – TTD $2,000 and Visa Classic – TTD $1,000.

·        “Cardholder” means the Primary Cardholder of an Eligible Scotiabank VISA credit card.

·        “Promotion” refers to this Promotion and not to any of the Bank’s other Promotions or Programs.

·        “Promotional Period” refers to the period from December 15, 2025 to February 15, 2026 inclusive.

·        “Digital Entry” means each entry the Cardholder will receive during this Promotion.

·        "Good Standing" means that the account should not be overdue or overlimit by any amount.

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

·        “Scotiabank” and “The Bank” mean Scotiabank Trinidad and Tobago Limited.

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

I.- GENERAL TERMS AND CONDITIONS OF THE PROMOTION.

1.1. ELIGIBILITY CRITERIA.

• Only Scotiabank VISA Credit Cards are eligible for this promotion. 
• This promotion is open to legal residents of Trinidad & Tobago, 18 years of age or older, who hold an eligible Scotiabank VISA 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 enter.
• Eligibility is restricted to Clients opening a new personal Visa credit card account during the Promotional Period as well as Scotiabank VISA Credit Card Cardholders whose account/s are still active at the time of the draw, are in good standing and have not been blocked or frozen, or, their Visa Credit Card has not been stolen or fraudulently obtained, mislaid, lost or written off, or delinquent during the Promotional Period or within the past twelve (12) months.
• Participating Cardholders acknowledge and accept that Eligible Transactions will not include amounts generated by cash advances, balance transfers, and/or any charge and/or financial expense that is made with charge to their Scotiabank Visa credit card. Likewise, transactions that are identified by Cardholders as the product of fraud or unauthorized use of their Scotiabank Visa credit card do not participate. Finally, the reversing or return of funds for duplicate consumption or returns of products and services will not be considered an Eligible transaction.  
• All Eligible Purchases/Transactions will be considered toward the earning of entries. There is no limit to the number of entries a Cardholder may receive.  All transactions in local currency are eligible.
• If a Cardholder earns a Prize but ceases to be a client during the Promotional Period, or the Individual's Account(s) cease to be in good standing or he/she becomes an “immediate family member” as defined in Clause 1.1 above, then the Cardholder shall be considered ineligible to receive the Prize.

1.2. HOW TO PARTICIPATE / DRAW PRIZE:

• There is no limit to the number of entries a Cardholder may receive during the Promotional Period.
• This Promotion is a limited-time Promotion which will run from December 15, 2025 to February 15, 2026.
• If the winner declines to fulfill the conditions required 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 prizes will be retained by the Bank.
• Contact will be attempted using the Cardholder’s telephone number as found in 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 a back-up winner.
• The draw for the Prizes will be conducted on the dates outlined below, by the Scotiabank Regional Product, Finance and Marketing Units. Dates described below are a reference and may vary depending on the case.
• The allotted number of winners will be randomly selected from an electronic customer database with qualifying entries using a randomizer. Four (4) entries will be drawn as back-up winners.

1.3 CRITERIA

• Clients who open a new Scotiabank Aero Platinum credit card will earn twenty (20) entries and clients who open a new Visa Classic credit card will earn ten (10) entries during the Promotional Period.

• All Scotiabank VISA Credit Card Cardholders can earn entries as indicated in the table below based on the Minimum Transaction Value set. All Scotiabank VISA Credit Card Cardholders will earn one (1) entry for every transaction greater than or equal to the Minimum Transaction Value:

• Convert a Visa credit card transaction into a SelectPay Plan greater than six (6) months and earn three (3) entries:

II. PRIZES:

• 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 Visa® FIFA Credit Card Campaign”.
• There are three (3) “Travel Packages” to be won over the period of the Promotion.
• Prize winners will be drawn no later than March 16, 2026.
• Following the Prize draw, each winner will be notified via the contact details listed in The Bank’s records for the winning Cardholders. The winners have forty-eight (48) hours from the date and time of being notified that they have been selected as winners to respond to the notification and claim their respective Prizes. If any of the Prizes are not claimed by the respective winners within this timeframe, another winner(s) will be selected from the back-up winners in the order that they were drawn, and any previous winners will forgo all claims to their respective Prize.
• The “Travel Package” is available for use only by legal residents of Trinidad & Tobago who are 18 years of age or older. The selected guests/companions of the respective winners must also 18 years of age or older, and legal residents of Trinidad & Tobago.
• The prize is a “Travel Package” to Toronto.
• The “Travel Packages” are only redeemable for the following:
   

Prize packages include the following:

• Two (2) round trip economy class airfare tickets from the Piarco International Airport to the destination city Toronto, Canada.
• Transportation from the airport in Toronto, Canada – hotel – airport in Toronto, Canada for two (2).
• 4-star accommodation in one (1) double occupancy room for two (2) for 4 nights – 5 days with daily breakfast and light snacks included.
• One (1) ticket each for the respective winners and their respective companions to attend the FIFA World Cup 2026 match.
• Private airport, hotel and stadium transfers.
• Transfer from/to FIFA World Cup 2026 matches and scheduled activities.
• Visa prepaid card for package.
• Exclusive gift kit for the equivalent of $400 - $800 USD in Visa promotional merchandise.
• On-site Visa Support, logistics and security.
• Access to the Visa Hospitality Desk or Lounge.
• Transportation for all activities included within the “Travel Package”.
• 1 Standard baggage (23kg) per person.

The “Travel Package” cannot be redeemed or exchanged.

• 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.
• Once the winners have shared the personal and travel data of their respective guests, no changes can be made.
• The winners and the winners’ guests must each have passports which are valid for at least six (6) months beyond the travel dates and a Canadian visa or ETA for Canada at the time of the draw. The winners and their respective guests must each submit proof of Visa or ETA by March 24, 2026. If a winner and/or their guest does not have a passport which is valid for at least six (6) months beyond the travel dates and/or a Canadian visa or ETA, another winner will be selected from the back-up winners and the initial winner’s guest will also be required to forego the Travel Package.
   

Take into account the following:

• It will be the sole responsibility of each of the winners and their guests to arrive from their residence to the Piarco International Airport.
• It will be the sole responsibility of the winners and their guests to each have a passport which is valid for six (6) months beyond the travel dates and the necessary Visas required for the trip which must be valid for the defined dates of the trip.
   

The Prize does not include:

• Long-distance phone calls, room service, laundry service, mini-bar items, loss of hotel property, payment for damage to hotel property, or any other expenses incurred at the hotel.
• Transportation during the winners’ and guests' free time outside of activities scheduled as part of the Travel Package.
• Personal expenses not related to the Travel Package (e.g. shopping, transportation to local sites in free time is not part of the tour, food expenses, apart from scheduled meals)
• Any other expenses that are not specified in the Travel Package.
• Changes to one-way or return air tickets and other expenses incurred for such changes by any of the two (2) persons enjoying each prize.
• Insurance of any kind to protect against accidents, injuries, illness, medical emergencies, loss, damage to property or loss of life.
• Translation services.
• If any of the persons who are selected as winners are not available to travel during this period, they will lose the right to their respective Prize and will not be able to make claim to the Bank for it. The respective winner’s guest will also be required to forego the Travel Package.
• Due to the foregoing, THE BANK may dispose of the Prize as it deems fit.
• THE BANK will not be responsible for any changes that occur in the aforementioned Prizes.
• Participating clients acknowledge that only the main Cardholders will be able to benefit from the Prizes.

III Draw Details

IV Service Conditions

•           The selection of matches does not guarantee the presence of specific teams.

•           The beneficiary of the package must enter the Visa Sponsorships platform, fill in the information, and submit the documents required by that platform, and accept the terms and conditions of use of the hospitality package.

•           Beneficiaries have up to twenty (20) calendar days before the match to create their account in Visa Go.

•           Once the account is created in Visa Go, the tickets and inclusions of the application will be assigned to the beneficiary, and the email cannot be modified.

•           Beneficiaries will be able to view the status of their tickets in the Visa Go application.

•           To complete the ticket claim, they must follow all the steps requested in the Visa Go application.

•           They will receive notifications by email from FWC2026 and in the Visa Go application when their tickets are available.

•           The tickets will be released at least three (3) days before the match and will be available through the FWC2026 mobile ticket application.

•           It is essential that beneficiaries use the same email for Visa Go and the FWC2026 mobile ticket application.

•           The tickets will be sent to the beneficiaries' email.

•           Both beneficiaries and their companions must comply with the FIFA Stadium Code of Conduct and the Ticket Terms of Use.

V. Visa Support:

•           Visa will facilitate the ticket delivery process and provide a contact email for beneficiaries to resolve issues related to the Visa Go application or the FWC2026 mobile ticket application.

VI. – Unclaimed Tickets

•           If beneficiaries do not comply in a timely manner with the process established by Visa to obtain the tickets, or do not meet the requirements established by Scotiabank, the tickets will be considered unclaimed or rejected assets by the beneficiary.

•           Scotiabank acknowledges and accepts that, in case beneficiaries have not complied in a timely manner with the process established through the Visa Go application to obtain the tickets, or have not met the requirements established by Scotiabank, such tickets will be considered unclaimed or rejected assets by the beneficiary.

•           Once the tickets are considered unclaimed or rejected assets, Scotiabank may reassign them to an internal account designated up to twelve (12) calendar days before each match. Scotiabank will have the right to use the unclaimed tickets at its discretion.

·        The winners’ names may be published in the media. The winners must agree to the use of their names and photographs without compensation in any forthcoming publicity by Scotiabank.

·        The winners and their respective guests will be responsible for any taxes, tips, insurance and expenses not explicitly stated as part of the prize.

·        The use of your eligible Scotiabank VISA® Credit Card to make an eligible transaction 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.  Scotiabank reserves the right, with consultation and approval from the National Lotteries Commission, 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.

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

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 Visa credit card up to fifteen (15) days after receiving your invitation email.

 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 to 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.

Approved by the National Lotteries Control Board of Trinidad and Tobago.

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

® Indicates a registered trademark of Visa International Service Association. Used under license by The Bank of Nova Scotia or Scotiabank as applicable.
 

For more details, visit: tt.scotiabank.com