How much cash back will I earn on Scotiabank Credit Card?

On the average $580/month bill: $5.80 at 1% or $11.60 at 2% per month from Neobanc, up to $139 a year.

Neobanc CASHBACK

How to Get Cash Back on Your Scotiabank Credit Card bill

Pay your Scotiabank Credit Card bill through Neobanc by Interac e-Transfer and earn up to 2% cash back on every payment. Free to use, setup takes 2 minutes.

Set up your Scotiabank Credit Card bill

Get started now

Takes ~2 minutes · Works with any Visa or Mastercard · Scotiabank Credit Card qualifies

580

average monthly Scotiabank Credit Card

1-2%

Neobanc cash back, on top of card rewards

≈ $58/yr

back on this bill (cash back + 2% card rewards)

Quick answer:

Add Scotiabank Credit Card as a payee in Neobanc (Scotiabank Credit Card), enter your card number (16-digit credit card number), and fund the payment by Interac e-Transfer (free). You'll earn 1% to 2% Neobanc cash back on every payment, up to $139 a year on a typical $580/month bill.

What is Scotiabank Credit Card?

Scotiabank Credit Card bills average around $580/month for a typical household. Scotiabank has three payees by card network, pick the one matching the logo on your card.

How to Get Cash Back on Your Scotiabank Credit Card Bill

Create your free Neobanc account: sign up at neobanc.com, takes about 2 minutes with instant verification.
Add Scotiabank Credit Card as a payee: search "Scotiabank Credit Card" in Bills. Banks and Neobanc list it as Scotiabank Credit Card.
Enter your card number: 16-digit credit card number, see below for exactly where to find it.
Fund the payment by Interac e-Transfer: free, from any Canadian bank account in your name. One-time or recurring.
Earn cash back on every payment: 1% to 2% lands in your Neobanc balance. Withdraw it or put it toward next month's bill.

Where to Find Your Scotiabank Credit Card Number

Format: 16-digit credit card number. the front of your Scotiabank card or your monthly statement

Verified against www.scotiabank.com, July 2026.

Can I Pay Scotiabank Credit Card With a Credit Card?

No. You can't pay a credit card with another credit card through Neobanc. Credit card bills are funded by Interac e-Transfer from your bank account, which is free. What you gain is the cash back: paying Scotiabank Credit Card straight from your bank earns nothing, while the same payment routed through Neobanc earns 1% to 2% back. On a typical $580/month statement, that's up to $139 a year for the exact same bill.

The Math on Your Scotiabank Credit Card Bill

Average $580/month: Neobanc returns $5.80/month at the 1% rate, or $11.60/month on the 2% tier, up to $139 per year for changing how you pay, not what you pay. There is no fee: Interac e-Transfer funding is free.

How do I save the most on my Scotiabank Credit Card bill each month?

Pay in full, and pay it through Neobanc. Paying by bank transfer or AutoPay earns nothing; the same payment through Neobanc earns up to $139 a year. A missed payment means interest (~20.99% purchases) accrues on the full balance and can be reported to the credit bureaus. Set a recurring Neobanc payment about a week before the due date: funds take 3 business days to process plus 1 to 3 business days for bill-pay delivery, and you earn on every cycle without running late.

Set up your Scotiabank Credit Card bill in 2 minutes

Join now and get a $50 bonus on your first $2,500 in bill payments.

Get started now

Frequently Asked Questions

Can I pay my Scotiabank Credit Card bill with a credit card?

No. Through Neobanc, credit card bills are funded by Interac e-Transfer from your bank account, which is free. You still earn 1% to 2% Neobanc cash back on every Scotiabank Credit Card payment.

Where do I find my Scotiabank Credit Card number?

16-digit credit card number. You'll find it on the front of your Scotiabank card or your monthly statement

Which payee do I choose for Scotiabank Credit Card?

Banks and Neobanc list it as Scotiabank Credit Card. Pick the one matching your service and enter your card number exactly as it appears.

How long does a Scotiabank Credit Card payment take through Neobanc?

Allow 3 business days for Neobanc to process your Interac e-Transfer, plus 1 to 3 business days for bill-pay delivery to the issuer. Schedule about a week before your statement due date.

Can I set up automatic payments for Scotiabank Credit Card?

Yes, set a recurring payment in Neobanc so every cycle earns cash back automatically (this replaces Scotiabank Credit Card's AutoPay).

Is there a fee to pay Scotiabank Credit Card through Neobanc?

No. Funding by Interac e-Transfer is free, so there is no fee to pay Scotiabank Credit Card through Neobanc, and you earn 1% to 2% cash back on top.

What happens if my Scotiabank Credit Card payment is late?

A missed payment means interest (~20.99% purchases) accrues on the full balance and can be reported to the credit bureaus.

Is there a Scotiabank Credit Card promo code?

Promotions come and go, but the evergreen discount is structural: 1% to 2% cash back on every Scotiabank Credit Card payment through Neobanc, funded free by Interac e-Transfer.

Get a $50 bonus on your bills