The card comes with flight cancellation/interruption from Manulife. My flights were delayed and canceled. I applied for these expenses as per the instruction of Scotiabank and Manulife in January. I received no reply so I contacted Manulife on Aug 16. Their Sage said it is in the system but no one did anything. Sage said will take of it and gave me a claim number. Aug 25 I called them again. Michael said Sage did everything wrong so she will see what she can do. I asked Customer Service to make a complaint. Michael gave me 18002630997 (Scotiabank) to call. Scotia blames Manulife and asked me to call Manulife back. The Scotia representative is William with a heavy accent (hard to understand). This is getting nowhere. Had to repeat my info so many times to answer multiple security questions, not to mention the wait time for a customer representative.
Scotiabank Momentum VISA Infinite card Consumer Reviews
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SCOTIA MOMENTUM VISA INFINITE CARD
Earn 10% cash back on all purchases for the first 3 months (up to $2,000 in total purchases).
Plus, no annual fee in the first year, including on supplementary cards. A welcome offer value of $350.
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Don't how they define "subscription" and "recurring payment". At least they didn't see my Amazon Prime membership and Apple subscription as "recurring payments". Which were all working fine as recurring payments with my another Mastercard. I switched to this card because of the 4% cashback they claim, turned out, that it's not like that at all!
Haven't used it in grocery stores yet. Some reviews commented that they are narrow on "grocery stores". OMG. What can I expect?
And they give you the cashback after a year (every year in November) not like other cashback cards that let you redeem on their apps whenever you want.
If you are getting this card any month other than November, don't. If you cancel your card you will lose your cashback amount earned. I got the card in May and wanted to cancel before the annual renewal fee ($120/year). They said the only way for me to get my reward dollars is to pay the annual fee and wait until November when the payment comes. In my case, I have to pay $120 just to get my $300 in rewards. It doesn't matter if you have a bank account with them or another Visa.
I also found that the annual fee was quite high for the amount of rewards I earned.
Scotiabank® Gold American Express® Card
Earn up to 40,000 bonus Scotia Rewards points in your first year (that's up to $400 towards travel). What else will you get:
- Earn 5 Scotia Rewards points for every $1 you spend at eligible grocery stores, dining and entertainment
- Earn 3 Scotia Rewards points for every $1 you spend at eligible gas stations, daily transit, and select streaming services
- Earn 1 point for every $1 you spend on all other eligible everyday purchases
- Complimentary Concierge Services 24/7
- Comprehensive Travel Insurance coverage with 25 days of travel medical insurance for eligible persons under age 65
I used my card for 4 years but when my card is due to expire, they didn’t know it and never send a new card for me even though I told them via phone many times.
When I signed up for this visa card I was told that I will receive an extra 10% cashback on all purchases within the first 3 months up to $2,000. I even called the bank to confirm that regardless of the amount I spend within the first 3 months I will still receive the 10% cashback and anything that goes over the $2,000 amount the promo will not apply. After 8 months I had yet to see my 10% cashback. I called multiple times and received a different message every time, but was always told that it will show up on my statement soon. The last lady I spoke to told me I would see it on my Feb 19th statement. I did not. When I called back again today, I ended up finding out that I did not qualify for the 10% extra cashback because you need to spend a MINIMUM of $2,000 in the first 3 months to qualify NOT up to $2,000!!!!! The wording is so sneaky, I am so frustrated and angry with this service and all the mixed messages I have received from them. DO NOT RECOMMEND.
I have set up quite a few of my recurring bills with this card thinking I would receive 4% off. However, upon reviewing my end-of-year cashback balance I noticed that they conveniently left off $720 in rewards. I have been calling from November to January trying to connect with someone to fix this "error". However, after being on hold well over 2 hours and being transferred 5 times and then ultimately hung upon. I am about to cancel this card and leave Scotiabank altogether. STAY AWAY!!!
Scotia Momentum VISA Infinite Card
Earn 10% cash back on all purchases for the first 3 months (up to $2,000 in total purchases). Plus, no annual fee in the first year, including on supplementary cards. A welcome offer value of $350. What else will you get:
- 4% on eligible recurring bill payments and grocery store purchases
- 2% on eligible gas station and daily transit purchases
- 1% cash back on all other eligible everyday purchases
- Complimentary Concierge Services 24/7 Visa Infinite Dining Series Visa Infinite Music Series Wine Country Wonders Luxury Hotel Privileges
- Comprehensive Travel Insurance & New Mobile Device Insurance coverage
It appears this company will use deceptive marketing to trick customers to sign up for their products. I received a pre-approved offer for this card with a prominent 10% cashback for the first $2,000 spent. I called to follow up and the responses I received changed from one person to the next. They are: (1) you will get it in November, (2) the promotion is paid partially 25% within 6 months and in full within 1 year, (3) there is no such promotion and (4) you will get it within 7 months. Four different responses after 4 calls. At this point, I am not confident that I will see any of the 10% promotion reward and feel strongly that the 10% cashback is a scam... I will cancel the Scotiabank VISA.
I recently had a fraudulent charge authorized on my visa that had so many red flags it should never have been processed. I spend hours on the phone on several different occasions trying to get this sorted out. They reversed some of the fraudulent charges but decided to keep a couple hundred stating it was an exchange rate issue. When I called to find out why I didn't get a full refund they admitted they made a mistake and refunded the balance the next day. Now I have to battle with them for a credit I'm expecting on the closed account. I have no idea when the credit will come through as the company advised me to keep an eye on my account to see it. I can't keep an eye on the account as it was closed due to the fraudulent charge they let through. Visa is telling me I have to call the fraud department when I see the credit to get it transferred to my open account or get a cheque sent but as I have told them I CAN'T SEE MY ACCOUNT SO HOW DO I KNOW WHEN TO CALL!
You think it covers you but not. I paid with my Scotia Momentum Visa Infinite card a trip abroad in April 2020 with a bunch of friends. The airline company cancelled the trip due to COVID and offer in exchange for a voucher to use with their airline valid 18 months. I asked for a cash refund but they refused. Therefore I went to Scotia Assist I order to use the Travel insurance "trip cancellation". I had high hopes because one of my friends in the same situation managed to get a refund with his own travel insurance with his Visa card from another bank. (Not Scotia bank). he made the claim in April and got a refund at the end of May 2020. Let me tell you it has been awfully slow with Scotia Assist insurance! I called good dozens of time, they lost my file then found it back, the, after 3 months they told me to call another Department named World Travel Protection. Since I got a reply: they refused to refund me because they say " As stated in your Certificate of Insurance; Trip Cancellation will reimburse you for any Eligible Expenses which are not refundable or reimbursable in any manner if, prior to Your scheduled departure, an Insured Person is required to cancel a Trip due to one of the covered Causes for Cancellation." Therefore if the airline offers a voucher, even if you have the insurance you will not be able to get a refund! My other friend in the same situation did get a refund but it was with another bank. I will say that actually there are so many exceptions in the insurance charts that most of the time you will never get a refund. Very disappointed! So now I will have an airline voucher that I will not use and no refund. The insurance was useless.
Scotia Momentum Visa Infinite Card
Earn 10% cash back on all purchases for the first 3 months (up to $2,000 in total purchases). Plus, no annual fee in the first year, including on supplementary cards. A welcome offer value of $350.
I used this credit card for the past three years. I made all my payments on time and just once I missed the payment as I forgot. They didn't even inform me and reduced my credit limit. I immediately paid the balance payment and closed the account. But they still went ahead and informed the credit bureau and impacted my credit score. Please don't get this credit card. They are useless.