To snag this awesome card, you’ll need an annual income of at least $12,000. But don’t worry, as long as you can show you’ve got enough moolah to cover your credit limit and living expenses, you’re on track. Plus, you gotta be a Canadian citizen or a permanent resident, and no recent bankruptcies in the past seven years, please. Oh, and the minimum credit limit is $500, so you’re covered there.

If you’ve been in Canada for three years or less, pop into a Scotiabank branch to sign up. But don’t fret; you can sign up in person if online applications aren’t your jam. Remember that the approval process might take a bit longer at the branch.

So, there you have it! The Scotia Momentum® No-Fee Visa Card is your ticket to cashback heaven. Apply now and start enjoying those rewards and perks in no time. Happy swiping!