Cash Back with Every Purchase

Use your card for all your everyday purchases — like groceries, gas, drug store items and recurring payments — and you’ll maximize your cash back.

1% cash back¹

On all eligible gas station, grocery store, drug store purchases and recurring payments.

Here’s a list of popular merchants (34 kb) who may qualify for 1% cash back.

0.5% cash back²

On all other eligible purchases.

$0 annual fee

PLUS:

Here’s how the Scotia Momentum No-Fee VISA Cash Back reward program works:
Scotia Momentum^® No-Fee VISA Cash Back Program Terms and Conditions (77 Kb)
Calculate your Cash Back

Rates & Fees

For current rates and information on fees and interest cost, call 1-888-882-8958.

Interest rates, annual fees and features are effective as of March 1, 2011 and are subject to change without notice. Learn more about VISA card fees and VISA card interest rates.

Special Discounts

AVIS Car Rentals

Save with discounts of up to 20% at participating AVIS car rental locations worldwide. Simply present your Scotia Momentum No-Fee VISA card at any participating location. Or visit www.AVIS.com or call 1-800-TRY-AVIS (879-2847) and quote the rebate number C030400.

Scotia^® Credit Card Cheques⁴

Use Scotia Credit Card Cheques to:

• Transfer balances from gas and retail cards that charge higher interest rates.
• Pay for a large purchase, insurance premiums, medical bills, or utility bills.

Obtain cash advances at:

• Over 1 million ABMs around the world displaying the VISA/PLUS symbols.
• Over 55,000 ABMs displaying the INTERAC symbol in Canada, including Scotiabank ABMs.
• Or, access your Scotia Momentum No-Fee VISA account with your ScotiaCard when you link the two together.

Easy Access

Link your Scotia Momentum No-Fee VISA account to your ScotiaCard^® you can use TeleScotia^® Telephone Banking and Scotia OnLine^® Financial Services for VISA account information.

Visa payWave™

Save time when paying for small, everyday purchases with Visa payWave. Simply wave your card over the card reader and go!³

Scotia Credit Card Protection (optional)⁵

With one simple application, you can have financial protection from a range of life events: Disability, Job Loss, Strike or Lockout, Critical Illness or loss of Life. A monthly benefit equal to 5%^† of your outstanding credit card account balance can be paid to your credit card account if you are unable to work, which can help pay down your balance faster. In the event of a diagnosis of a covered Critical Illness⁺⁺, or if you pass away, your outstanding credit card account balance can be paid in full, up to a maximum of $20,000.

This comprehensive coverage is available at a monthly premium rate of only $0.95 per $100 of average daily balance on your credit card account (plus any applicable sales tax). The affordable cost includes benefits for a Co-Borrower at no additional charge. The premium is conveniently charged to your credit card account to help ensure your coverage stays in place.

Approval is fast — contact us for details if you are a resident of Canada, and are at least 18 and under 65 years of age.

View more information or simply call 1-855-753-4272 between 8am and 8pm (EST) Monday to Friday and a Customer Service Representative will be pleased to assist you.

† 5% of outstanding balance up to 24 months
++ The maximum benefit payable is $20,000

Extraordinary Travel Benefits

Earn travel rewards up to 4x faster !

Earn travel rewards faster, then use your Scotia Rewards points to book flights, hotels, holiday packages, cruises and more with no restrictions!

Scotia Rewards^® points

Earn four points for every $1 you spend at eligible gas stations, grocery stores, on dining and entertainment.¹

Earn one point on all other eligible purchases.¹

View a list of popular merchants that may qualify for accelerated Scotia Rewards points.

PLUS:

Extraordinary Travel Services

Purchase travel online or over the phone through our full-service travel agency. Or you can choose to book your own travel using your Scotiabank Gold American Express Card, then call or go online to redeem points for the purchase.⁴

Flexible Point Redemption

1. Use your points: If you’ve earned all the points you need, redeem them for your complete trip — including taxes and surcharges.
2. Use your Card: You can always use your Card to cover the full amount of your travel. And you’ll earn rewards points for every dollar you charge.
3. Combine points and payment: Short a few points? Want to save some for later? You can pay for your travel with a combination of accumulated points and a charge to your Card.

Plus, you get exclusive complimentary concierge access to assist you 24/7 with your travel arrangements and everything else from the everyday to the extraordinary.⁷

Travel Privileges⁵

Your Scotiabank Gold American Express Card gives you access to reduced rates, special amenities, and a diverse selection of worldwide destinations.

Hotel Privileges

Receive up to 20% off the lowest published offer at over 18,000 hotels worldwide, with special rates and/or complimentary amenities.

Luxury Hotel Privileges

Receive up to 20% off the Best Available Rates and a complimentary room upgrade (if available) at some of the world’s most incredible properties. Enjoy a free amenity, complimentary breakfast and late checkout privileges (if available).

Low Price Airfare Alerts

Purchase your airline ticket through the Scotia Rewards program and the price of your airfare will be monitored daily to see if a lower price becomes available^†.

Cruise Privileges

Special offers and benefits ranging from shipboard credits, upgrades, and shore excursions (if available).

Car Privileges

Receive up to 25% off qualifying rentals with 131 companies worldwide.

Vacation Privileges

Get low rates, special amenities, and discounts on select vacation package.

For a look at just some of the travel experiences available visit www.scotiarewards.com and click on the Travel Tab.

Scotia Rewards Points Calculator — Where will your card take you?

Scotiabank Gold American Express Card Rewards Program Terms and Conditions.

Comprehensive Travel Insurance

Comprehensive Travel Protection & Savings⁶

• Travel Emergency Medical Insurance
• Trip Interruption & Cancellation Insurance
• Flight Delay
• Delayed & Lost Luggage Insurance
• Common Carrier Travel Accident Insurance
• Rental Car Collision/Loss Damage Insurance
• Hotel/Motel Burglary Insurance
• Purchase Security & Extended Warranty Insurance
• Price Protection

For claim forms and answers to Frequently Asked Questions visit our partner’s site

Travel Emergency Medical Insurance

• As the primary Cardmember, you, your spouse and accompanying dependent children are each automatically covered for up to $1 million in emergency medical coverage if sudden and unexpected illness or accidental injury should occur while travelling outside your province or territory of residence in Canada.
• Coverage is automatically provided for eligible persons under 65 years of age for up to 25 consecutive days and for eligible persons 65 years of age and older up to 10 consecutive days.
• Coverage includes eligible expenses for hospital care, nursing care, prescription drugs, licensed ambulances and physicians’ and surgeons’ fees, as well as other eligible medical services and supplies.
• The date of departure is counted as the first day.
• This benefit is subject to an exclusion for pre-existing medical conditions.

If you are under 65 years of age and are travelling for more than 25 days or if you are 65 years of age and over and travelling for more than 10 days, you may choose to purchase extension coverage from Scotia Assist prior to your departure by calling 416-572-3636 or 1 877-391-7507. You will receive a separate certificate of insurance if you choose to purchase this coverage.

Certificate of Travel Emergency Medical Insurance (52 Kb)

Trip Interruption and Trip Cancellation

• The Scotiabank Gold American Express Card can protect your travel investment with trip cancellation and trip interruption insurance at no extra cost.
• You, your spouse, and your dependent children travelling with either parent, and one travelling companion travelling with you or your spouse are insured for up to $2,500 per insured person (maximum $10,000 per trip) when you charge at least 75% of trip expenses to your Scotiabank Gold American Express Card.

Certificate of Trip Cancellation Insurance (44 Kb)

Flight Delay

• You may be reimbursed for eligible reasonable living expenses incurred during the period of a delayed flight or missed connection which lasts four hours or more to a limit $500 per trip for all insured travellers. Simply charge the full cost of your tickets to your Scotiabank Gold American Express Card.

Certificate of Flight Delay Insurance (38 Kb)

Delayed and Lost Baggage

• When you purchase common carrier tickets with your Scotiabank Gold American Express Card, you are eligible for coverage against the loss or the delay of your checked luggage.
• The lost luggage benefit is limited to the lesser of the value of the covered luggage or the amount equal to the cash reimbursement made by the carrier, to a combined maximum of $1,000.
• The carrier must provide you with a cash settlement before Scotiabank Gold American Express Card coverage will pay any benefit.
• The delayed luggage benefit is limited to $1,000 for all insured persons on the same trip for the cost of replacing essential items if your checked luggage is not delivered within four (4) hours from your time of arrival at your final destination.

Certificate of Delayed and Lost Baggage

Up to $500,000 Common Carrier Travel Accident Insurance

• When you charge at least 75% of the full common carrier travel fares to your Scotiabank Gold American Express Card, you, your spouse and unmarried dependent children will be automatically insured against accidental loss of life, or dismemberment.
• Valid common carrier fares include fares for any licensed public conveyance such as airplanes, cruise ships, trains or buses.

Certificate of Travel Accident Insurance

Rental Car Collision/ Loss Damage Insurance

• When you charge the entire cost of car rental to your Scotiabank Gold American Express Card and decline the agency’s collision damage waiver (or similar provision) at the time of rental, you’ll be insured if your rental vehicle is damaged, or stolen.

Certificate of Rental Car Collision Insurance

Hotel/Motel Burglary

• When you check into any hotel or motel in Canada or the U.S., and charge your stay to your Scotiabank Gold American Express Card, you’ll be eligible for coverage against theft of your covered personal property if your room is broken into.
• Should your claim exceed the amount reimbursable by the hotel, and/or any relevant insurance, your Scotiabank Gold American Express Card coverage picks up the balance, up to a maximum of $1,000.

Certificate of Hotel/Motel Burglary Insurance

Purchase Security and Extended Warranty

• Most personal items purchased are automatically insured against theft, loss or damage anywhere in the world — as long as the full cost of the item is charged to your Scotiabank Gold American ExpressCard.
• Coverage extends for the first 90 days from the date of purchase and is in excess of any other insurance coverage.
• When you use your Scotiabank Gold American Express Card to purchase most personal items and charge the full cost of the item to your card, extended warranty coverage doubles the original manufacturer’s warranty for up to one year. Items covered by a manufacturer’s warranty of five years or more must be registered within the first year of purchase.

Certificate of Purchase Security Insurance (47 kb)

Price Protection

• When you use your Scotiabank Gold American Express Card to buy a new item in Canada that is advertised for sale at a lower price within 60 days of purchase, Price Protection refunds the price difference up to $100 per item and $500 per calendar year.

Certificate of Price Protection Insurance (38 Kb)

Rates & Fees

• Minimum Credit Limit: $5,000
• Interest-Free Grace Period: At least 21 days⁹
• Primary Card Holder Annual Fee: $99
• Additional Card Holder Annual Fee: $29
• Interest Rate:
  19.99% on purchases
  21.99% on cash advances, balance transfers and Scotia^® Credit Card cheques

For current rates and information on fees and interest cost, call 1-888-882-8958.

Interest rates, annual fees and features are effective as of September 24, 2012 and are subject to change without notice.

Additional Features & Privileges

Low Price Airfare Alerts

You will have access to Low Price Airfare Alerts for airline tickets booked through Scotia Rewards Travel Service.

Once you purchase your airline ticket(s) through the program the flight itinerary will be monitored daily to see if a lower price on your selected air carrier becomes available up until the date of travel. If a minimum of $50 net savings is available, less applicable airline change/rebooking fees, you will be contacted to validate that the exchange should be made for the lower price.

Upon issuance of the lower priced ticket you will be notified of fare decrease, subsequent new ticket number, and Miscellaneous Charge Order (MCO) with credit balance to be used for future travel, for up to 1 year later, on that same air carrier. Valid only on participating airlines. Participating airlines are subject to change. The credit cannot be redeemed for cash and is non-refundable and non-transferable.

Complimentary Concierge Services

Exclusive to our very best clients, our Concierge Service is on hand to assist you 24/7 to arrange everything from travel planning to dining and entertainment reservations to locating the perfect birthday gift.⁷

Lounge Access with Priority Pass™⁸

Receive a special yearly Membership price of only $65 USD** (a 35% discount off the regular price) and access each lounge visit for just $27 USD**. Once you enroll, you will have access to lounges in more than 100 countries and 300 cities worldwide. Access includes:

• Use of lounges in the program regardless of the class of travel or airline you’re flying
• Privileged access to over 600 Airport VIP Lounges worldwide
• Relaxing ambience — for both you and your guests
• Complimentary refreshments and snacks
• Email, internet and conference space

To take advantage of this offer, each Cardmember on the account needs to enroll for the Priority Pass membership separately.

** Foreign currency conversion charges will apply.

Additional Savings with American Express SELECTS^SM

American Express SELECTS is a great place to find a wide variety of special offers from across Canada. You can also discover some great merchant offers available to American Express Cardmembers internationally. No matter where you are, a great offer awaits you at American Express SELECTS! Whether it’s shopping, dining, entertainment or travel, the American Express SELECTS site is regularly adding exciting new offers.

To view the complete of offers, visit americanexpress.ca/selects

Scotia Credit Card Protection (optional)¹⁰

With one simple application, you can have financial protection from a range of life events: Disability, Job Loss, Strike or Lockout, Critical Illness or loss of Life. A monthly benefit equal to 5%^† of your outstanding credit card account balance can be paid to your credit card account if you are unable to work, which can help pay down your balance faster. In the event of a diagnosis of a covered Critical Illness⁺⁺, or if you pass away, your outstanding credit card account balance can be paid in full, up to a maximum of $20,000.

This comprehensive coverage is available at a monthly premium rate of only $0.95 per $100 of average daily balance on your credit card account (plus any applicable sales tax). The affordable cost includes benefits for a Co-Borrower at no additional charge. The premium is conveniently charged to your credit card account to help ensure your coverage stays in place.

Approval is fast — contact us for details if you are a resident of Canada, and are at least 18 and under 65 years of age.

View more information or simply call 1-855-753-4272 between 8am and 8pm (EST) Monday to Friday and a Customer Service Representative will be pleased to assist you.

† 5% of your outstanding credit card account balance up to 24 months to a maximum of $1,000 per month and a total maximum of $20,000 if you are unable to work due to involuntary Job Loss, Strike or Lockout or become disabled.
++ Critical Illness, Disability, Job Loss and Strike/Lockout coverage terminates at age 65, Life coverage terminates at age 70.

Account Access

The information you need is always close at hand. Locally and wherever your travels take you, it’s important that you have access to your account and your account information in a variety of ways:

• Internet Banking — Visit Scotia OnLine^® Financial Services at scotiabank.com
• Telephone Banking — TeleScotia Telephone Banking 1-800-267-1234
• ABM Machines — Worldwide look for machines displaying the Interac, American Express or LINK symbols

You can also use Scotia^® Credit Card cheques to:

• Transfer balances from gas and retail cards that charge higher interest rates
• Pay for large purchases, insurance premiums or utility bills

Extraordinary Travel Benefits

Accelerated travel rewards!

Earn travel rewards faster, then use your Scotia Rewards points to book flights, hotels, holiday packages, cruises and more with no restrictions!

Scotia Rewards^® points

Earn two points for every $1 you spend at eligible gas stations, grocery stores, on dining and entertainment.¹

Earn one point for every dollar you spend on all other eligible purchases.¹

View a list of popular merchants that may qualify for accelerated Scotia Rewards points.

PLUS:

Extraordinary Travel Services

Purchase travel online or over the phone through our full-service travel agency. Or you can choose to book your own travel using your Scotiabank American Express Card, then call or go online to redeem points for the purchase.⁴

Flexible Point Redemption

1. Use your points: If you’ve earned all the points you need, redeem them for your complete trip — including taxes and surcharges.
2. Use your Card: You can always use your Card to cover the full amount of your travel. And you’ll earn rewards points for every dollar you charge.
3. Combine points and payment: Short a few points? Want to save some for later? You can pay for your travel with a combination of accumulated points and a charge to your Card.

Travel Privileges⁵

Your Scotiabank American Express Card gives you access to reduced rates, special amenities, and a diverse selection of worldwide destinations.

Hotel Privileges

Receive up to 20% off the lowest published offer at over 18,000 hotels worldwide,with special rates and/or complimentary amenities.

Car Privileges

Take advantage of up to 25% off car rentals with over 125 companies around the globe

Vacation Privileges

Get low rates, special amenities, and discounts on select vacation package.

Cruise Privileges

Special offers and benefits ranging from shipboard credits, upgrades, and shore excursions (if available)

For a look at just some of the travel experiences available visit www.scotiarewards.com and click on the travel tab.

Scotia Rewards Points Calculator

Scotiabank American Express Card Rewards Program Terms and Conditions.

Comprehensive Travel Insurance

Comprehensive Travel Protection & Savings⁶

• Travel Emergency Medical Insurance
• Trip Interruption Insurance
• Common Carrier Travel Accident Insurance
• Rental Car Collision/Loss Damage Insurance
• Purchase Security & Extended Warranty Insurance
• Price Protection

For claim forms and answers to Frequently Asked Questions visit our partner’s site

Travel Emergency Medical Insurance

• As the primary Cardmember, you, your spouse and accompanying dependent children are each automatically covered for up to $1 million in emergency medical coverage if sudden and unexpected illness or accidental injury should occur while travelling outside your province or territory of residence in Canada.
• Coverage is automatically provided for eligible persons under 65 years of age for up to 8 consecutive days and for eligible persons 65 years of age and older up to 3 consecutive days.
• Coverage includes eligible expenses for hospital care, nursing care, prescription drugs, licensed ambulances and physicians’ and surgeons’ fees, as well as other eligible medical services and supplies.
• The date of departure is counted as the first day.
• This benefit is subject to an exclusion for pre-existing medical conditions.

If you are under 65 years of age and are travelling for more than 8 days or if you are 65 years of age and over and travelling for more than 3 days, you may choose to purchase extension coverage from Scotia Assist prior to your departure by calling 416-572-3636 or 1 877-391-7507. You will receive a separate certificate of insurance if you choose to purchase this coverage.
Certificate of Travel Emergency Medical Insurance (52 Kb)

Trip Interruption

The Scotiabank American Express card can protect your travel investment with trip interruption insurance at no extra cost.

You, your spouse, and your dependent children travelling with either parent, and one travelling companion travelling with you or your spouse are insured for up to $2,500 per insured person (maximum $10,000 per trip) when you charge at least 75% of trip expenses to your Scotiabank American Express card.
Certificate of Trip Interruption Insurance (44 Kb)

Up to $250,000 Common Carrier Travel Accident Insurance

When you charge at least 75% of the full common carrier travel fares to your Scotiabank American Express Card, you, your spouse and unmarried dependent children will be automatically insured against accidental loss of life, or dismemberment. Valid common carrier fares include fares for any licensed public conveyance such as airplanes, cruise ships, trains or buses.
Certificate of Travel Accident Insurance (35 Kb)

Rental Car Collision/Loss Damage Insurance

When you charge the entire cost of car rental to your Scotiabank American Express Card and decline the agency’s collision damage waiver (or similar provision) at the time of rental, you’ll be insured if your rental vehicle is damaged, or stolen.
Certificate of Rental Car Collision Insurance (44 Kb)

Purchase Security and Extended Warranty Insurance

Most personal items purchased are automatically insured against theft, loss or damage anywhere in the world — as long as the full cost of the item is charged to your Scotiabank American ExpressCard. Coverage extends for the first 90 days from the date of purchase and is in excess of any other insurance coverage.

When you use your Scotiabank American Express Card to purchase most personal items and charge the full cost of the item to your Card, extended warranty coverage doubles the original manufacturer’s warranty for up to one year. Items covered by a manufacturer’s warranty of five years or more must be registered within the first year of purchase.
Certificate of Purchase Security Insurance(42 Kb)

Price Protection

When you use your Scotiabank American Express Card to buy a new item in Canada that is advertised for sale at a lower price within 60 days of purchase, Price Protection refunds the price difference up to $100 per item and $500 per calendar year.
Certificate of Price Protection Insurance (38 Kb)

Rates & Fees

• Minimum Credit Limit: $1,000
• Interest-Free Grace Period: At least 21 days⁷
• Primary Card Holder Annual Fee: $39
• Additional Card Holder Annual Fee: $15
• Interest Rate:
  19.99% on purchases
  21.99% on cash advances, balance transfers and Scotia^® Credit Card cheques

For current rates and information on fees and interest cost, call 1-888-882-8958.

Interest rates, annual fees and features are effective as of September 24, 2012 and are subject to change without notice.

Additional Features & Privileges

Additional Savings with American Express SELECTS^SM

American Express SELECTS is a great place to find a wide variety of special offers from across Canada. You can also discover some great merchant offers available to American Express Cardmembers internationally. No matter where you are, a great offer awaits you at American Express SELECTS! Whether it’s shopping, dining, entertainment or travel, the American Express SELECTS site is regularly adding exciting new offers.

To view the complete of offers, visit americanexpress.ca/selects

Scotia Credit Card Protection (optional)⁸

With one simple application, you can have financial protection from a range of life events: Disability, Job Loss, Strike or Lockout, Critical Illness or loss of Life. A monthly benefit equal to 5%^† of your outstanding credit card account balance can be paid to your credit card account if you are unable to work, which can help pay down your balance faster. In the event of a diagnosis of a covered Critical Illness⁺⁺, or if you pass away, your outstanding credit card account balance can be paid in full, up to a maximum of $20,000.

This comprehensive coverage is available at a monthly premium rate of only $0.95 per $100 of average daily balance on your credit card account (plus any applicable sales tax). The affordable cost includes benefits for a Co-Borrower at no additional charge. The premium is conveniently charged to your credit card account to help ensure your coverage stays in place.

Approval is fast — contact us for details if you are a resident of Canada, and are at least 18 and under 65 years of age.

View more information or simply call 1-855-753-4272 between 8am and 8pm (EST) Monday to Friday and a Customer Service Representative will be pleased to assist you.

† 5% of your outstanding credit card account balance up to 24 months to a maximum of $1,000 per month and a total maximum of $20,000 if you are unable to work due to involuntary Job Loss, Strike or Lockout or become disabled.
++ Critical Illness, Disability, Job Loss and Strike/Lockout coverage terminates at age 65, Life coverage terminates at age 70.

Account Access

The information you need is always close at hand. Locally and wherever your travels take you, it’s important that you have access to your account and your account information in a variety of ways:

• Internet Banking — Visit Scotia OnLine^® Financial Services at scotiabank.com
• Telephone Banking — TeleScotia Telephone Banking 1-800-267-1234
• ABM Machines — Worldwide look for machines displaying the Interac, American Express or LINK symbols

You can also use Scotia^® Credit Card cheques to:

• Transfer balances from gas and retail cards that charge higher interest rates
• Pay for large purchases, insurance premiums or utility bills

SCENE Program

You may never have to pay for a movie again

The simplest and fastest way to get free movies is with the SCENE VISA card — and there’s no annual fee!

Earn Points for FREE MOVIES

SCENE is the only movie rewards program that lets you earn points for free movies at Cineplex Entertainment theatres and more. Membership is free and you can sign-up easily at scene.ca

• Get 250 Bonus SCENE points just for signing up
• Earn 100 points every time you see a movie^°
• Get a free movie for just 1000 points⁷
• Enjoy 10% off movie snacks all the time^∞

SCENE program Terms & Conditions
Calculate your Rewards

SCENE Program + Scotiabank 2:32 min

You may never have to pay for a movie again. See how easy it is with a SCENE membership.
Watch video

Rates & Fees

For current rates and information on fees and interest cost, call 1-888-882-8958.

Interest rates, annual fees and features are effective as of March 1, 2011 and are subject to change without notice. Learn more about VISA card fees and VISA card interest rates.

Special Discounts

AVIS Car Rentals

Save with discounts of up to 20% at participating AVIS car rental locations worldwide. Simply present your SCENE VISA Infinite card at any participating location. Or visit www.AVIS.com or call 1-800-TRY-AVIS (879-2847) and quote the rebate number C030400.

Scotia^® Credit Card Cheques⁴

Use Scotia Credit Card Cheques to:

• Transfer balances from gas and retail cards that charge higher interest rates.
• Pay for a large purchase, insurance premiums, medical bills, or utility bills.

Obtain cash advances at:

• Over 1 million ABMs around the world displaying the VISA/PLUS symbols.
• Over 55,000 ABMs displaying the INTERAC symbol in Canada, including Scotiabank ABMs.
• Or, access your Scotia Momentum VISA account with your ScotiaCard when you link the two together.

Easy Access

Link your SCENE VISA account to your ScotiaCard^® and use TeleScotia^® Telephone Banking and Scotia OnLine^® Financial Services for VISA account information.

Visa payWave™

Save time when paying for small, everyday purchases with Visa payWave. Simply wave your card over the card reader and go!³

Scotia Credit Card Protection (optional)⁵

With one simple application, you can have financial protection from a range of life events: Disability, Job Loss, Strike or Lockout, Critical Illness or loss of Life. A monthly benefit equal to 5%^† of your outstanding credit card account balance can be paid to your credit card account if you are unable to work, which can help pay down your balance faster. In the event of a diagnosis of a covered Critical Illness⁺⁺, or if you pass away, your outstanding credit card account balance can be paid in full, up to a maximum of $20,000.

This comprehensive coverage is available at a monthly premium rate of only $0.95 per $100 of average daily balance on your credit card account (plus any applicable sales tax). The affordable cost includes benefits for a Co-Borrower at no additional charge. The premium is conveniently charged to your credit card account to help ensure your coverage stays in place.

Approval is fast — contact us for details if you are a resident of Canada, and are at least 18 and under 65 years of age.

View more information or simply call 1-855-753-4272 between 8am and 8pm (EST) Monday to Friday and a Customer Service Representative will be pleased to assist you.

† 5% of outstanding balance up to 24 months
++ The maximum benefit payable is $20,000

ScotiaHockey Rewards^® Program

Great earning and redemption power.

3,000 free ScotiaHockey Rewards bonus points² on your first purchase.

One ScotiaHockey Reward point for every $1¹ on ScotiaHockey NHL VISA card purchases.

PLUS:

Use your ScotiaHockey Rewards points towards:

• High end NHL or brand name merchandise
• VIP NHL event experiences

Redeem Points

Visit myscotiahockeyrewards.com or call 1-866-809-0110

Rates & Fees

For current rates and information on fees and interest cost, call 1-888-882-8958.

Interest rates, annual fees and features are effective as of March 1, 2011 and are subject to change without notice. Learn more about VISA card fees and VISA card interest rates.

Special Discounts

NHL Merchandise

Save 20% off purchases⁸ at the NHL’s official online store — shop.canada.NHL.com

VISA Perks

Exclusive VISA card holder discounts available at many popular merchants. Visit visaperks.ca to learn more.

AVIS Car Rentals

Save with discounts of up to 20% at participating AVIS car rental locations worldwide. Simply present your ScotiaHockey NHL VISA card at any participating location. Or visit www.AVIS.com or call 1-800-TRY-AVIS (879-2847) and quote the rebate number C030400.

Scotia^® Credit Card Cheques⁵

Use Scotia Credit Card Cheques to:

• Transfer balances from gas and retail cards that charge higher interest rates.
• Pay for a large purchase, insurance premiums, medical bills, or utility bills.

Easy Access

Visa payWave™

Save time when paying for small, everyday purchases with Visa payWave. Simply wave your card over the card reader and go!⁴

Easy Access

Link your ScotiaHockey NHL VISA account to your ScotiaCard^® and use TeleScotia^® Telephone Banking and Scotia OnLine^® Financial Services for VISA account information.

Obtain cash advances at:

• Over 1 million ABMs around the world displaying the VISA/PLUS symbols.
• Over 55,000 ABMs displaying the INTERAC symbol in Canada, including Scotiabank ABMs.
• Or, access your ScotiaHockey NHL VISA account with your ScotiaCard when you link the two together.

Scotia Credit Card Protection (optional)⁶

Scotia Credit Card Balance Protection can make monthly payments⁺ to your Scotia Credit Card account to help you maintain a good credit rating if you are unable to work due to disability, job loss or strike. It can pay your outstanding balance⁺⁺ in the event you become critically ill or pass away.

To be eligible to apply for coverage you must be between minimum 18 and 65 years of age on the date of application and a Canadian resident. If you are approved for coverage, you authorize Scotiabank to charge the monthly premium at a rate of 0.95 per $100. of your average daily outstanding balance (plus applicable taxes) to your Scotiabank account.

View more information or call 1-800-461-0285 between 8:00 am and 8:00 pm Monday to Friday.

+ 5% of outstanding balance up to 24 months
++ The maximum benefit payable is $20,000

Exclusive Travel Services

Book online or enjoy exclusive toll-free access to the Scotia Rewards Travel Service a full-service travel agency, with access to online travel sites, tour operators, cruise lines and more!

Book with the Scotia Rewards Travel Service and you’ll enjoy:

• A 5% Cash Back on airline tickets, pre-package tours, and cruises³
• The flexibility of using ‘Points only’ or ‘Points plus ScotiaGold Passport VISA card purchase¹
• Access to exclusive travel opportunities and ‘last second’ deals at low rates
• Very competitive prices and no booking fees!

For a look at some of the travel experiences available visit www.scotiarewards.com.
Calculate your Travel Rewards

Comprehensive Travel Protection & Savings²

View Detailed Descriptions

Potential Cost Savings

Use your ScotiaGold Passport VISA card to book a two-week vacation and you could:

SAVE $76	Travel Emergency Medical Insurance — for trips of 31 days or less only. Cardmembers who travel for more than 31 days, but less than 45 days, must purchase top-up coverage prior to leaving their province of residence by calling Scotia Assist at 1-800-263-0997. (Based on premiums for a two-week trip for two adults under 65)2
SAVE $210	Rental Car Collision Insurance (two week rental)2
SAVE $150	Trip Cancellation/Interruption Insurance based on a vacation package of $2,500 for two adults (under 65)2
SAVE $30	Common Carrier Travel Accident Insurance2
SAVE $125	5% Cash Back (on a $2,500 vacation package for two booked with the Scotia Rewards Travel Service)3
SAVE $25	Commission-free regular American Express Travellers Cheques5 (based on $2,000)
Total Saved $616

Rental Car Discounts

Save with discounts of up to 20% at participating AVIS car rental locations worldwide. Simply present your ScotiaGold Passport VISA card at any participating location. Or visit www.AVIS.com or call 1-800-TRY-AVIS (879-2847) and quote the rebate number C030400.

Concierge Services

The Scotia Rewards Concierge Service⁷ gives ScotiaGold Passport VISA Cardmembers free access to a worldwide network of specialists that can help you take care of your to-do list. Call 1-800-665-2582 (select option 4) in North America or call collect at (905) 696-5088 (outside of Canada & the U.S.) 24/7 to get assistance with things like:

• Obtaining much sought-after sporting or event tickets
• Making restaurant recommendations and reservations
• Arranging a floral delivery
• Booking private ski or tennis lessons
• Coordinating a household service provider And much more!
• ScotiaGold Passport VISA Card Rewards Program Terms and Conditions.

Rates & Fees

Primary Card Holder Annual Fee
$110	Annual Fee
$65	Applies to Cardmembers 65 years of age or older.
$55	If account is secured under a Scotia Total Equity® Plan ($32.50 for Cardmembers 65 years of age or greater).
Supplementary Cards Annual Fee
$30	Annual Fee
$15	If primary Cardmember is 65 years of age or older.
$15	If account is part of a Scotia Total Equity Plan. Order now (59 Kb)

For current rates and information on fees and interest cost, call 1-888-882-8958.

Interest rates, annual fees and features are effective as of March 1, 2011 and are subject to change without notice. Learn more about VISA card fees and VISA card interest rates.

Special Discounts

AVIS Car Rentals

Save with discounts of up to 20% at participating AVIS car rental locations worldwide. Simply present your ScotiaGold Passport VISA card at any participating location. Or visit www.AVIS.com or call 1-800-TRY-AVIS (879-2847) and quote the rebate number C030400.

FREE Card Registry Service

As a ScotiaGold Passport VISA Cardmember, you can register your credit and debit cards, as well as important documents (e.g., passports, insurance policies, driver’s licenses) for you and any family members in your household. In the event of loss or theft, just one phone call from anywhere in the world and we’ll place an urgent stop notice on all missing cards and we’ll begin the card replacement process.

There’s no limit to the number of cards or important documents you can register. We’re available 24 hours a day, 365 days per year to provide the peace of mind you need. And best of all, this service is available at no additional cost to ScotiaGold Passport VISA Cardmembers.

Scotia^® Credit Card Cheques⁸

Use Scotia Credit Card Cheques to:

• Transfer balances from gas and retail cards that charge higher interest rates.
• Pay for a large purchase, insurance premiums, medical bills, or utility bills.

Obtain cash advances at:

• Over 1 million ABMs around the world displaying the VISA/PLUS symbols.
• Over 55,000 ABMs displaying the INTERAC symbol in Canada, including Scotiabank ABMs.
• Or, access your ScotiaGold Passport VISA account with your ScotiaCard when you link the two together.

Easy Access

When you link your ScotiaGold Passport VISA account to your ScotiaCard^® you can use TeleScotia^® Telephone Banking and Scotia OnLine^® Financial Services for VISA account information.

Visa payWave™

Save time when paying for small, everyday purchases with Visa payWave. Simply wave your card over the card reader and go!¹⁰

Travel Insurance

ScotiaGold Passport^® VISA* card holders enjoy greater protection and peace of mind with travel and insurance benefits on their card.

Travel Emergency Medical Insurance

• Travel by any means out of your province of residence and receive automatic 31-day coverage.
• Coverage includes expenses for hospital care, nursing care, prescription drugs, licensed ambulances and physician’s and surgeon’s fees as well as other eligible medical services and supplies (under age 65)¹.
• Coverage extends to your spouse (under age 65) and your eligible dependent children.
• Additional and extended medical coverage is available for purchase through Scotia Assist by calling 1-800-263-0997 or collect at 416-977-1552.

Certificate of Travel Emergency Medical Insurance (98 Kb)

Trip Cancellation/Interruption Insurance

• Receive up to $2500 per person (maximum $10,000 per trip) when at least 75% of each person’s eligible trip expenses are charged to your ScotiaGold Passport VISA card (under age 65)¹.
• Coverage extends to spouse (and/or traveling companion) and eligible dependent children.
• Coverage is also available for purchase if the value of the trip exceeds the amount listed above.
• Certificate of Trip Cancellation Insurance (94 Kb)

Rental Car Collision Insurance

• No need to purchase the collision/loss damage insurance coverage offered by the car rental company.
• Covers full value of the vehicle against damage, loss or theft¹ provided the entire cost of the car rental is charged to your ScotiaGold Passport VISA card AND coverage offered by the rental car agency is declined (some exclusions apply).
• Certificate of Rental Car Collision Insurance (89 Kb)

Common Carrier Travel Accident Insurance

• Receive automatic maximum coverage of up to $250,000 per person and $500,000 per occurrence.
• Coverage when at least 75% of the common carrier travel fares are charged to your ScotiaGold Passport VISA card.
• Coverage extends to spouse and eligible dependent children.
• Certificate of Travel Accident Insurance (69 Kb)

Security and Extended Warranty Insurance

• Protects most purchases for 90 days against theft, damage, loss and destruction.
• Protects purchases made anywhere in the world provided the item is purchased with your ScotiaGold Passport VISA card.
• Extended warranty coverage is available and will double the manufacturer’s warranty to a maximum of 1 year (original receipt required).
• Certificate of Purchase Security Insurance (90 Kb)

Delayed Luggage Insurance

• Never get caught without your luggage again.
• Protects up to $1,000 for the cost of replacing essential items if your checked luggage is not delivered within 4 hours of arriving at your final destination.
• Only applies if the full cost of the fare has been charged to your ScotiaGold Passport VISA card.

Hotel/Motel Burglary Insurance

• Have the protection you have home while you’re away.
• Protects you for the period of time between check-in and check-out.
• Protects from theft of most items of personal property where there is evidence of forceful entry.
• Coverage within Canada and USA.
• Coverage is up to a maximum of $1,000 provided the full cost of the Hotel/Motel room has been charged to your ScotiaGold Passport VISA card.

Scotia Credit Card Protection (optional)²

With one simple application, you can have financial protection from a range of life events: Disability, Job Loss, Strike or Lockout, Critical Illness or loss of Life. A monthly benefit equal to 5%^† of your outstanding credit card account balance can be paid to your credit card account if you are unable to work, which can help pay down your balance faster. In the event of a diagnosis of a covered Critical Illness⁺⁺, or if you pass away, your outstanding credit card account balance can be paid in full, up to a maximum of $20,000.

This comprehensive coverage is available at a monthly premium rate of only $0.95 per $100 of average daily balance on your credit card account (plus any applicable sales tax). The affordable cost includes benefits for a Co-Borrower at no additional charge. The premium is conveniently charged to your credit card account to help ensure your coverage stays in place.

Approval is fast — contact us for details if you are a resident of Canada, and are at least 18 and under 65 years of age.

View more information or simply call 1-855-753-4272 between 8am and 8pm (EST) Monday to Friday and a Customer Service Representative will be pleased to assist you.

† 5% of your outstanding credit card account balance up to 24 months to a maximum of $1,000 per month and a total maximum of $20,000 if you are unable to work due to involuntary Job Loss, Strike or Lockout or become disabled.
++ Critical Illness, Disability, Job Loss and Strike/Lockout coverage terminates at age 65, Life coverage terminates at age 70.

Travel Benefits

Earn travel rewards with no annual fee!

Earn travel rewards then use your Scotia Rewards points to book any type of travel you want, including flights, hotels, holiday packages, cruises and more with no restrictions!

Scotia Rewards^® points

Earn one point for every $2 you spend on everyday purchases.¹

View a list of popular merchants that may qualify for accelerated Scotia Rewards points.

PLUS:

Purchase travel online or over the phone through our full-service travel agency. Or you can choose to book your own travel using your Scotiabank Rewards VISA card, then call or go online to redeem points for the purchase.

Flexible Point Redemption

1. Use your points: If you’ve earned all the points you need, redeem them for your complete trip — including taxes and surcharges.
2. Use your Card: You can always use your card to cover the full amount of your travel. And you’ll earn rewards points for every dollar you charge.
3. Combine points and payment: Short a few points? Want to save some for later? You can pay for your travel with a combination of accumulated points and a charge to your card.

Scotia Rewards^® Program and Travel Privileges

Global Hotel discount

Receive up to 20% off the lowest published offer at over 18,000 hotels worldwide, plus enjoy special amenities and preferred pricing

Upgrades and perks on cruises

Enjoy more on every cruise with offers and benefits ranging from shipboard credits, to upgrades, shore excursions, specialty dining experiences, reduced deposits

Car Rental

Receive up to 25% off qualifying rentals with 131 companies worldwide

Vacation Packages:

Get low rates, special amenities & discounts on select packages at resorts worldwide

For a look at just some of the travel experiences available visit www.scotiarewards.com.

Scotia Rewards VISA Card Rewards Program Terms and Conditions.

Rates & Fees

• Minimum Credit Limit: $500
• Interest-Free Grace Period: At least 21 days⁵
• Annual Fee: $0
• Interest Rate:
  19.99% on purchases
  21.99% on cash advances, balance transfers and Scotia^® Credit Card Cheques

For current rates and information on fees and interest cost, call 1-888-882-8958.

Interest rates, annual fees and features are effective as of September 24, 2012 and are subject to change without notice.

Scotia^® Credit Card Cheques & Instant Cash Advances

Scotia Credit Card Cheques⁴

• Transfer balances from gas and retail cards that charge higher interest rates.
• Pay for a large purchase, insurance premiums, medical bills, or utility bills

Obtain cash advances at:

• Over 1 million ABMs around the world displaying the VISA/PLUS symbols.
• Over 55,000 ABMs displaying the INTERAC symbol in Canada, including Scotiabank ABMs.
• Or, access your Scotiabank Rewards VISA account with your ScotiaCard when you link the two together

Easy Access

When you link your Scotiabank Rewards VISA account to your ScotiaCard^® you can use TeleScotia^® Telephone Banking and Scotia OnLine^® Financial Services for VISA account information.

Scotia Credit Card Protection (optional)⁷

With one simple application, you can have financial protection from a range of life events: Disability, Job Loss, Strike or Lockout, Critical Illness or loss of Life. A monthly benefit equal to 5%^† of your outstanding credit card account balance can be paid to your credit card account if you are unable to work, which can help pay down your balance faster. In the event of a diagnosis of a covered Critical Illness⁺⁺, or if you pass away, your outstanding credit card account balance can be paid in full, up to a maximum of $20,000.

This comprehensive coverage is available at a monthly premium rate of only $0.95 per $100 of average daily balance on your credit card account (plus any applicable sales tax). The affordable cost includes benefits for a Co-Borrower at no additional charge. The premium is conveniently charged to your credit card account to help ensure your coverage stays in place.

Approval is fast — contact us for details if you are a resident of Canada, and are at least 18 and under 65 years of age.

View more information or simply call 1-855-753-4272 between 8am and 8pm (EST) Monday to Friday and a Customer Service Representative will be pleased to assist you.

† 5% of your outstanding credit card account balance up to 24 months to a maximum of $1,000 per month and a total maximum of $20,000 if you are unable to work due to involuntary Job Loss, Strike or Lockout or become disabled.
++ The maximum benefit payable is $20,000

Exclusive Travel Benefits

Ultimate travel rewards and privileges!

Earn maximum travel rewards faster, then use your premium concierge to book any type of travel you want, including flights, hotels, holiday packages, cruises and more with no restrictions!

Scotia Rewards^® points

Earn four points for every $1 you spend at eligible gas stations, grocery stores, on dining and entertainment.¹

Earn one point on all other eligible purchases.¹

View a list of popular merchants that may qualify for accelerated Scotia Rewards points.

PLUS:

Extraordinary Travel Services

Purchase travel online or over the phone through our full-service travel agency. Or you can choose to book your own travel using your Scotiabank Platinum American Express Card, then call or go online to redeem points for the purchase.⁴

Flexible Point Redemption

1. Use your points: If you’ve earned all the points you need, redeem them for your complete trip — including taxes and surcharges.
2. Use your Card: You can always use your Card to cover the full amount of your travel. And you’ll earn rewards points for every dollar you charge.
3. Combine points and payment: Short a few points? Want to save some for later? You can pay for your travel with a combination of accumulated points and a charge to your Card.

Plus, you get exclusive complimentary concierge access to assist you 24/7 with your travel arrangements and everything else from the everyday to the extraordinary.⁷

Travel Privileges⁵

Your Scotiabank Gold American Express Card gives you access to reduced rates, special amenities, and a diverse selection of worldwide destinations.

Hotel Privileges

Up to 20% off the lowest available non-restricted rates at over 18,000 properties with special rates and/or complimentary amenities.

Luxury Hotel Privileges

Receive up to 20% off the Best Available Rates and a complimentary room upgrade (if available) at some of the world’s most incredible properties. Enjoy a free amenity, complimentary breakfast and late checkout privileges (if available).

Low Price Airfare Alerts

Purchase your airline ticket through the Scotia Rewards program and the price of your airfare will be monitored daily to see if a lower price becomes available

Cruise Privileges

Special offers and benefits ranging from shipboard credits, upgrades, and shore excursions (if available)

Car Privileges

Receive up to 25% off qualifying rentals with 131 companies worldwide.

Vacation Privileges

Get low rates, special amenities, and discounts on select vacation package.

For a look at just some of the travel experiences available visit www.scotiarewards.com and click on the Travel Tab.

Scotia Rewards Points Calculator — Where will your Card take you?

Scotiabank Gold American Express Card Rewards Program Terms and Conditions.

Comprehensive Travel Insurance

Comprehensive Travel Protection & Savings⁶

• Travel Emergency Medical Insurance
• Trip Interruption & Cancellation Insurance
• Flight Delay
• Delayed and Lost Luggage Insurance
• Common Carrier Travel Accident Insurance
• Rental Car Collision Insurance
• Hotel/Motel Burglary Insurance
• Purchase Security & Extended Warranty Insurance
• Price Protection

For claim forms and answers to Frequently Asked Questions visit our partner’s site

Travel Emergency Medical

• As the primary cardmember, you, your spouse and accompanying dependent children are each automatically covered for up to $2 million in emergency medical coverage if sudden and unexpected illness or accidental injury should occur while travelling outside your province or territory of residence in Canada.
• Coverage is automatically provided for eligible persons under 65 years of age for up to 31 consecutive days and for eligible persons 65 years of age and older up to 10 consecutive days.
• Coverage includes eligible expenses for hospital care, nursing care, prescription drugs, licensed ambulances and physicians’ and surgeons’ fees, as well as other eligible medical services and supplies.
• The date of departure is counted as the first day.
• This benefit is subject to an exclusion for pre-existing medical conditions.

If you are under 65 years of age and are travelling for more than 31 days or if you are 65 years of age and over and travelling for more than 10 days, you may choose to purchase extension coverage from Scotia Assist prior to your departure by calling 416-572-3636 or 1 877-391-7507. You will receive a separate certificate of insurance if you choose to purchase this coverage.

Certificate of Travel Emergency Medical Insurance

Trip Interruption and Cancellation

• The Scotiabank Platinum American Express Card can protect your travel investment with trip cancellation and trip interruption insurance at no extra cost.
• You, your spouse, and your dependent children travelling with either parent, and one travelling companion travelling with you or your spouse are insured for up to $2,500 per insured person (maximum $10,000 per trip) for trip cancellation benefits and insured for up to $5,000 per insured person (maximum $25,000 per trip) for trip interruption benefits when you charge at least 75% of trip expenses to your Scotiabank Platinum American Express Card.

Certificate of Trip Cancellation Insurance

Flight Delay

• You may be reimbursed for eligible reasonable living expenses incurred during the period of a delayed flight or missed connection which lasts four hours or more to a limit $1,000 per trip for all insured travellers.
• Simply charge the full cost of your tickets to your Scotiabank Platinum American Express Card.

Certificate of Flight Delay Insurance

Delayed and Lost Baggage

• When you purchase common carrier tickets with your Scotiabank Platinum American Express Card, you are eligible for coverage against the loss or the delay of your checked luggage.
• The lost luggage benefit is limited to the lesser of the value of the covered luggage or the amount equal to the cash reimbursement made by the carrier, to a combined maximum of $1,000.
• The carrier must provide you with a cash settlement before Scotiabank Platinum American Express Card coverage will pay any benefit.
• The delayed luggage benefit is limited to $1,000 for all insured persons on the same trip for the cost of replacing essential items if your checked luggage is not delivered within four (4) hours from your time of arrival at your final destination.

Certificate of Delayed and Lost Baggage

Up to $500,000 Common Carrier Travel Accident Insurance

• When you charge at least 75% of the full common carrier travel fares to your Scotiabank Platinum American Express Card, you, your spouse and unmarried dependent children will be automatically insured against accidental loss of life, or dismemberment. Valid common carrier fares include fares for any licensed public conveyance such as airplanes, cruise ships, trains or buses.

Certificate of Travel Accident Insurance

Rental Car Collision/ Loss Damage Insurance

• When you charge the entire cost of car rental to your Scotiabank Platinum American Express Card and decline the agency’s collision damage waiver (or similar provision) at the time of rental, you’ll be insured if your rental vehicle is damaged, or stolen.

Certificate of Rental Car Collision Insurance

Hotel/Motel Burglary

• When you check into any hotel or motel in Canada or the U.S., and charge your stay to your Scotiabank Platinum American Express Card, you’ll be eligible for coverage against theft of your covered personal property if your room is broken into.
• Should your claim exceed the amount reimbursable by the hotel, and/or any relevant insurance, your Scotiabank Platinum American Express Card coverage picks up the balance, up to a maximum of $1,000.

Certificate of Hotel/Motel Burglary Insurance

Purchase Security and Extended Warranty

• Most personal items purchased are automatically insured against theft, loss or damage anywhere in the world — as long as the full cost of the item is charged to your Scotiabank Platinum American ExpressCard. Coverage extends for the first 120 days from the date of purchase and is in excess of any other insurance coverage.
• When you use your Scotiabank Platinum American Express Card to purchase most personal items and charge the full cost of the item to your Card, extended warranty coverage doubles the original manufacturer’s warranty for up to two years. Items covered by a manufacturer’s warranty of five years or more must be registered within the first year of purchase.

Certificate of Purchase Security Insurance

Price Protection

• When you use your Scotiabank Platinum American Express Card to buy a new item in Canada that is advertised for sale at a lower price within 60 days of purchase, Price Protection refunds the price difference up to $100 per item and $500 per calendar year.

Certificate of Price Protection Insurance

Rates & Fees

• Minimum Credit Limit: $10,000
• Interest-Free Grace Period: At least 21 days⁹
• Primary Card Holder Annual Fee: $399
• Additional Card Holder Annual Fee: $99
• Interest Rate:
  19.99% on purchases
  21.99% on cash advances, balance transfers

For current rates and information on fees and interest cost, call 1-888-882-8958.

Interest rates, annual fees and features are effective as of September 24, 2012 and are subject to change without notice.

Additional Features & Privileges

Low Price Airfare Alerts

You will have access to Low Price Airfare Alerts for airline tickets booked through Scotia Rewards Travel Service.

Once you purchase your airline ticket(s) through the program the flight itinerary will be monitored daily to see if a lower price on your selected air carrier becomes available up until the date of travel. If a minimum of $50 net savings is available, less applicable airline change/rebooking fees, you will be contacted to validate that the exchange should be made for the lower price.

Upon issuance of the lower priced ticket you will be notified of fare decrease, subsequent new ticket number, and Miscellaneous Charge Order (MCO) with credit balance to be used for future travel, for up to 1 year later, on that same air carrier. Valid only on participating airlines. Participating airlines are subject to change. The credit cannot be redeemed for cash and is non-refundable and non-transferable.

Premium Complimentary Concierge Services

Exclusive to our very best clients, our integrated full-service travel and lifestyle Concierge Service is on hand to assist you 24/7 to arrange everything from travel planning to dining and entertainment reservations to locating the perfect birthday gift. Best of all, your Scotia Rewards points can be redeemed for purchases made by our Concierge service.

Complimentary Airport Lounge Access

As a Scotiabank Platinum American Express Cardmember you receive access to lounges in more than 100 countries and 300 cities worldwide.

Access includes:

• Use of lounges in the program regardless of the class of travel or airline you’re flying
• Privileged access to over 600 Airport VIP Lounges worldwide
• Relaxing ambience — for both you and your guests
• Complimentary refreshments and snacks
• Email, internet and conference space

Primary Cardmembers receive complimentary membership plus 10 free visits per year from the date of enrollment. Once you have used up your complimentary visits, each lounge visit will be charged at $27 USD** per person.

Secondary Cardmembers receive complimentary membership plus 4 free visits per year from the date of enrollment. Once you have used up your free passes, each lounge visit will be charged at $27 USD** per person.

To take advantage of this benefit, each Cardmember (primary and secondary) needs to enroll for the Priority Pass membership separately.

** Foreign currency conversion charges will apply.

Fairmont President’s Club

As a Scotiabank Platinum American Express Card Offer, Cardmembers are invited to join the Fairmont President’s Club and to receive an automatic upgrade¹¹ to Premier status. As a Cardmember, you will gain access to the following benefits:

• Complimentary room upgrade
• Complimentary suite upgrade
• $50 USD Fairmont dining or Willow Stream spa certificate
• Special concierge reservation service
• Bonus airline miles per qualifying stay with select airlines

To find out more information about Fairmont President’s Club visit https://www.fairmont.com/fpc/

VIP Pass for access to global events

Your Scotiabank Platinum American Express Card gives you access to unique experiences around the globe! Take advantage of over 100 offers and experiences annually in key global destinations. Whether your travels take you to Paris, London, Rome, New York, Dubai, or Hong Kong you can enjoy red carpet treatment:

• Luxury Fashion — Complimentary private style consultations, shopping discounts and gifts with purchase
• Sports Events and Music Festivals — Access to VIP hospitality and preferential pricing
• Fine Dining — Special discount packages, culinary classes, and priority booking and seating at world renowned restaurants
• Experiential Tours — Access to various once-in-a-lifetime opportunities like Elite Driving or Winery tours
• And so much more

Your adventure is waiting. Reward yourself with these experiences and create memories that will last a lifetime!

Click here to see the full menu of events available and call Scotia Rewards at 1-800-665-2582 to purchase an event today with your Scotiabank Platinum American Express Card.

Complimentary Hertz #1 Club Gold Membership

You choose the destination and leave the journey up to Hertz. Your Scotiabank Platinum American Express Card allows you to experience fast and easy car rentals with complimentary Hertz # 1 Club Gold membership.

Enjoy speedier service, less paperwork, and other special privileges and benefits designed to help you love the road even more at over 8,500 locations across 147 countries.

Visit www.scotiarewards.com to learn more and to enroll today.

Additional Savings with American Express SELECTS^SM

American Express SELECTS is a great place to find a wide variety of special offers from across Canada. You can also discover some great merchant offers available to American Express Cardmembers internationally. No matter where you are, a great offer awaits you at American Express SELECTS! Whether it’s shopping, dining, entertainment or travel, the American Express SELECTS site is regularly adding exciting new offers.

To view the complete of offers, visit americanexpress.ca/selects

Scotia Credit Card Protection (optional)¹⁰

With one simple application, you can have financial protection from a range of life events: Disability, Job Loss, Strike or Lockout, Critical Illness or loss of Life. A monthly benefit equal to 5%^† of your outstanding credit card account balance can be paid to your credit card account if you are unable to work, which can help pay down your balance faster. In the event of a diagnosis of a covered Critical Illness⁺⁺, or if you pass away, your outstanding credit card account balance can be paid in full, up to a maximum of $20,000.

This comprehensive coverage is available at a monthly premium rate of only $0.95 per $100 of average daily balance on your credit card account (plus any applicable sales tax). The affordable cost includes benefits for a Co-Borrower at no additional charge. The premium is conveniently charged to your credit card account to help ensure your coverage stays in place.

Approval is fast — contact us for details if you are a resident of Canada, and are at least 18 and under 65 years of age.

View more information or simply call 1-855-753-4272 between 8am and 8pm (EST) Monday to Friday and a Customer Service Representative will be pleased to assist you.

† 5% of your outstanding credit card account balance up to 24 months to a maximum of $1,000 per month and a total maximum of $20,000 if you are unable to work due to involuntary Job Loss, Strike or Lockout or become disabled
++ Critical Illness, Disability, Job Loss and Strike/Lockout coverage terminates at age 65, Life coverage terminates at age 70.

Account Access

The information you need is always close at hand. Locally and wherever your travels take you, it’s important that you have access to your account and your account information in a variety of ways:

• Internet Banking — Visit Scotia OnLine^® Financial Services at scotiabank.com
• Telephone Banking — TeleScotia Telephone Banking 1-800-267-1234
• ABM Machines — Worldwide look for machines displaying the Interac, American Express or LINK symbols

You can also use Scotia^® Credit Card cheques to:

• Transfer balances from gas and retail cards that charge higher interest rates
• Pay for large purchases, insurance premiums or utility bills

Great Rate. Great Value!

Start paying yourself instead of others. With an annual interest rate of 11.99% your Scotiabank Value VISA card can finance medium to large purchases. You'll find it to be one of the fastest, most affordable ways to get the credit you need. Switch balances from higher interest rate credit cards and keep the savings for yourself!

• Save hundreds of dollars a year
• Pay down balances faster
• Simplify your monthly payments

PLUS:

Easy access
Link your Scotiabank Value VISA account to your ScotiaCard^® and use TeleScotia^® Telephone Banking and Scotia OnLine^® Financial Services for VISA account information.

Rates & Fees

For current rates and information on fees and interest cost, call 1-888-882-8958.

Interest rates, annual fees and features are effective as of September 24, 2012 and are subject to change without notice. Learn more about VISA card fees and VISA card interest rates.

Special Discounts

AVIS Car Rentals

Save with discounts of up to 20% at participating AVIS car rental locations worldwide. Simply present your Scotia Value VISA Infinite card at any participating location. Or visit www.AVIS.com or call 1-800-TRY-AVIS (879-2847) and quote the rebate number C030400.

Instant Cash Advances

Simply pick a Personal Identification Number (PIN) at any Scotiabank branch to obtain cash advances at:

• Over 1 million ABMs around the world displaying the VISA/PLUS symbols.
• Over 55,000 ABMs displaying the INTERAC symbol in Canada, including Scotiabank ABMs.
• Or, access your Scotiabank Value VISA account with your ScotiaCard when you link the two together

Easy Access to your Scotiabank Value VISA account

Link your Scotiabank Value VISA account to your ScotiaCard^® and use TeleScotia^® Telephone Banking and Scotia OnLine^® Financial Services for VISA account information.

Scotia Credit Card Protection (optional)³

With one simple application, you can have financial protection from a range of life events: Disability, Job Loss, Strike or Lockout, Critical Illness or loss of Life. A monthly benefit equal to 5%^† of your outstanding credit card account balance can be paid to your credit card account if you are unable to work, which can help pay down your balance faster. In the event of a diagnosis of a covered Critical Illness⁺⁺, or if you pass away, your outstanding credit card account balance can be paid in full, up to a maximum of $20,000.

This comprehensive coverage is available at a monthly premium rate of only $0.95 per $100 of average daily balance on your credit card account (plus any applicable sales tax). The affordable cost includes benefits for a Co-Borrower at no additional charge. The premium is conveniently charged to your credit card account to help ensure your coverage stays in place.

Approval is fast — contact us for details if you are a resident of Canada, and are at least 18 and under 65 years of age.

View more information or simply call 1-855-753-4272 between 8am and 8pm (EST) Monday to Friday and a Customer Service Representative will be pleased to assist you.

† 5% of outstanding balance up to 24 months
++ The maximum benefit payable is $20,000

A Great Low Rate with No Annual Fee

With all the features and benefits of the standard Scotiabank Value^® VISA card, the No-Fee Scotiabank Value VISA card can offer you outstanding value. Switch balances from higher interest rate credit cards and save!

Rates & Fees

For current rates and information on fees and interest cost, call 1-888-882-8958.

Interest rates, annual fees and features are effective as of March 1, 2011 and are subject to change without notice. Learn more about VISA card fees and VISA card interest rates.

Special Discounts

AVIS Car Rentals

Save with discounts of up to 20% at participating AVIS car rental locations worldwide. Simply present your No-Fee Scotiabank Value VISA Infinite card at any participating location. Or visit www.AVIS.com or call 1-800-TRY-AVIS (879-2847) and quote the rebate number C030400.

Scotia^® Credit Card Cheques²

Use Scotia Credit Card Cheques to:

• Transfer balances from gas and retail cards that charge higher interest rates.
• Pay for a large purchase, insurance premiums, medical bills, or utility bills.

Obtain cash advances at:

• Over 1 million ABMs around the world displaying the VISA/PLUS symbols.
• Over 55,000 ABMs displaying the INTERAC symbol in Canada, including Scotiabank ABMs.
• Or, access your No-Fee Scotiabank Value VISA account with your ScotiaCard when you link the two together.

Easy Access

Link your No-Fee Scotiabank Value VISA account to your ScotiaCard^® and use TeleScotia^® Telephone Banking and Scotia OnLine^® Financial Services for VISA account information.

Scotia Credit Card Protection (optional)³

With one simple application, you can have financial protection from a range of life events: Disability, Job Loss, Strike or Lockout, Critical Illness or loss of Life. A monthly benefit equal to 5%^† of your outstanding credit card account balance can be paid to your credit card account if you are unable to work, which can help pay down your balance faster. In the event of a diagnosis of a covered Critical Illness⁺⁺, or if you pass away, your outstanding credit card account balance can be paid in full, up to a maximum of $20,000.

This comprehensive coverage is available at a monthly premium rate of only $0.95 per $100 of average daily balance on your credit card account (plus any applicable sales tax). The affordable cost includes benefits for a Co-Borrower at no additional charge. The premium is conveniently charged to your credit card account to help ensure your coverage stays in place.

Approval is fast — contact us for details if you are a resident of Canada, and are at least 18 and under 65 years of age.

View more information or simply call 1-855-753-4272 between 8am and 8pm (EST) Monday to Friday and a Customer Service Representative will be pleased to assist you.

† 5% of outstanding balance up to 24 months
++ The maximum benefit payable is $20,000

Essential Travel Benefits

Rental Car Discounts

Save with discounts of up to 20% at participating AVIS car rental locations worldwide. Simply present your No-Fee ScotiaGold VISA card at any participating location. Or visit www.AVIS.com or call 1-800-TRY-AVIS (879-2847) and quote the rebate number C030400.

Rental Car Collision Insurance²

Covers full value of the vehicle against damage, loss or theft provided the entire cost of the car rental is changed to your No-Fee ScotiaGold VISA card AND coverage offered by the rental car agency is declined (some exclusions apply).
Certificate of Rental Car Collision Insurance (87 kb)

Rates & Fees

For current rates and information on fees and interest cost, call 1-888-882-8958.

Interest rates, annual fees and features are effective as of March 1, 2011 and are subject to change without notice. Learn more about VISA card fees and VISA card interest rates.

Special Discounts

AVIS Car Rentals

Save with discounts of up to 20% at participating AVIS car rental locations worldwide. Simply present your No-Fee ScotiaGold VISA Infinite card at any participating location. Or visit www.AVIS.com or call 1-800-TRY-AVIS (879-2847) and quote the rebate number C030400.

Scotia^® Credit Card Cheques⁵ and Instant Cash Advances

Use Scotia Credit Card Cheques to:

• Transfer balances from gas and retail cards that charge higher interest rates.
• Pay for a large purchase, insurance premiums, medical bills, or utility bills.

Obtain cash advances at:

• Over 1 million ABMs around the world displaying the VISA/PLUS symbols.
• Over 55,000 ABMs displaying the INTERAC symbol in Canada, including Scotiabank ABMs.
• Or, access your No-Fee ScotiaGold VISA account with your ScotiaCard when you link the two together.

Easy Access

Link your No-Fee ScotiaGold VISA account to your ScotiaCard^® and use TeleScotia^® Telephone Banking and Scotia OnLine^® Financial Services for VISA account information.

Visa payWave™

Save time when paying for small, everyday purchases with Visa payWave. Simply wave your card over the card reader and go!⁴

Scotia Credit Card Protection (optional)⁷

With one simple application, you can have financial protection from a range of life events: Disability, Job Loss, Strike or Lockout, Critical Illness or loss of Life. A monthly benefit equal to 5%^† of your outstanding credit card account balance can be paid to your credit card account if you are unable to work, which can help pay down your balance faster. In the event of a diagnosis of a covered Critical Illness⁺⁺, or if you pass away, your outstanding credit card account balance can be paid in full, up to a maximum of $20,000.

This comprehensive coverage is available at a monthly premium rate of only $0.95 per $100 of average daily balance on your credit card account (plus any applicable sales tax). The affordable cost includes benefits for a Co-Borrower at no additional charge. The premium is conveniently charged to your credit card account to help ensure your coverage stays in place.

Approval is fast — contact us for details if you are a resident of Canada, and are at least 18 and under 65 years of age.

View more information or simply call 1-855-753-4272 between 8am and 8pm (EST) Monday to Friday and a Customer Service Representative will be pleased to assist you.

† 5% of outstanding balance up to 24 months
++ The maximum benefit payable is $20,000

Accelerated Moneyback Reward Program

Students can now get a VISA card that was designed with students in mind. The L’earn VISA* card offers a Moneyback^® reward program and a host of other great benefits.

• Get up to a 1% Moneyback reward¹
• $0 annual fee
• Spend wisely, earn valuable rewards
• Build a good credit rating

PLUS:

The more you use your card, the more you’ll get back in return.

As an example, if you were to put all of your spending on your card, and spent just over $200 per week on average over the course of a year (e.g., for books, tuition, transportation costs, utility bills or groceries), you’d receive a Moneyback reward of over $100 that year — which would be credited to your July VISA statement.

You can also use your card to pay your bills — it’s one of the easiest ways to maximize your Moneyback rewards without spending any additional money. It’s almost like getting a discount on monthly bills you normally have to pay anyway.

The L’earn VISA card automatically gives you a Moneyback reward of up to 1% on purchases you make with your card¹. Low Moneyback reward tiers make it easier to earn even more rewards.

Here’s how the Moneyback reward program works:

Annual	Net Eligible Purchases	% Moneybck Reward
On the first	$500	0.25
On the next	$500	0.50%
On any amount over	$1000	1.00%

A new “secured” VISA card for Students

A secured VISA option is available for Canadian citizens, landed immigrants, and foreign students. Ask at your local Scotiabank branch for more details.

Rates & Fees

For current rates and information on fees and interest cost, call 1-888-882-8958.

Interest rates, annual fees and features are effective as of March 1, 2011 and are subject to change without notice. Learn more about VISA card fees and VISA card interest rates.

Special Discounts

AVIS Car Rentals

Save with discounts of up to 20% at participating AVIS car rental locations worldwide. Simply present your L’earn VISA Infinite card at any participating location. Or visit www.AVIS.com or call 1-800-TRY-AVIS (879-2847) and quote the rebate number C030400.

Easy Access

Link your L’earn VISA account to your ScotiaCard^® you can use TeleScotia^® Telephone Banking and Scotia OnLine^® Financial Services for VISA account information.

Visa payWave™

Save time when paying for small, everyday purchases with Visa payWave. Simply wave your card over the card reader and go!³

Additional Features

Scotia® Credit Card Cheques⁴

Use Scotia Credit Card Cheques to:

• Transfer balances from gas and retail cards that charge higher interest rates.
• Pay for a large purchase, insurance premiums, medical bills, or utility bills.

Instant Cash Advances

Obtain cash advances at:

• Over 1 million ABMs around the world displaying the VISA/PLUS symbols.
• Over 55,000 ABMs displaying the INTERAC symbol in Canada, including Scotiabank ABMs.
• Or, access your L’earn VISA account with your ScotiaCard when you link the two together.

Scotia Credit Card Balance Protection (optional)⁵

With one simple application, you can have financial protection from a range of life events: Disability, Job Loss, Strike or Lockout, Critical Illness or loss of Life. A monthly benefit equal to 5%^† of your outstanding credit card account balance can be paid to your credit card account if you are unable to work, which can help pay down your balance faster. In the event of a diagnosis of a covered Critical Illness⁺⁺, or if you pass away, your outstanding credit card account balance can be paid in full, up to a maximum of $20,000.

This comprehensive coverage is available at a monthly premium rate of only $0.95 per $100 of average daily balance on your credit card account (plus any applicable sales tax). The affordable cost includes benefits for a Co-Borrower at no additional charge. The premium is conveniently charged to your credit card account to help ensure your coverage stays in place.

Approval is fast — contact us for details if you are a resident of Canada, and are at least 18 and under 65 years of age.

View more information or simply call 1-855-753-4272 between 8am and 8pm (EST) Monday to Friday and a Customer Service Representative will be pleased to assist you.

† 5% of outstanding balance up to 24 months
++ The maximum benefit payable is $20,000

Student Credit Tips

• Build a good credit rating now will help meet your future financial goals.
• Spend wisely and pay off your balance
• Make smart purchase decisions and pay off your balance in full each month.
• Avoid paying interest
• Spend what you can afford
• Get the most out of your card and earn valuable rewards.

PLUS:

Still not sure about what type of credit to choose from, visit our Student Credit section to read tips on how to become student savvy with credit. Or drop by your nearest Scotiabank branch for more information. We'd be happy to help.