Can a newcomer with no credit history get approved for a credit card?
Yes. Scotiabank accepts credit card applications from newcomers with no Canadian credit history. Your approved credit may depend on details like your immigration status and income.
Scotia also partners with Nova Credit to transfer your credit history from select countries, so you can request a higher limit once approved for a card.
Nova Credit is available for the following countries:
Australia, Austria, Dominican Republic, India, Kenya, Mexico, Nigeria, Philippines, South Africa, South Korea, Spain, Switzerland, the United Kingdom, United States and Ukraine. Countries are subject to change without notice. Learn more about Nova Credit
Last updated February 26, 2026