Scotiabank Platinum American Express^® Card

Savings and reward potential in first 14 months includes welcome offer value, potential savings, first year point earn potential, foreign transaction fee and airport lounge savings as of October 25, 2024:

$800 in travel rewards (80,000 bonus Scene+ points) for new Scotiabank Platinum American Express Card clients who spend $3,000 within the first 3 months (to earn 60,000 points) and who spend $10,000 within the first 14 months (to earn an additional 20,000 points);

$205 in foreign transaction fee savings based on average first year annual foreign spend per account (save the 2.5% foreign transaction fee typically charged by card issuers);

$792 in first year point earn potential (79,186 Scene+ points) on everyday purchases based on average annual first year spend per account;

$788 value of a complimentary Priority Pass membership and free lounge passes per year for the primary cardholder (‘Standard Plus’ annual membership fee package of CAD$456/USD$329, which includes 10 lounge passes) and for one supplementary cardholder (‘Standard’ annual membership fee of CAD$137/USD$99 plus 4 lounge passes at CAD$49/USD$35 each). Currency conversion as at October 25, 2024.

       Potential 14-Month Value = up to $2,585

Actual offers, savings and rewards earned will depend on individual card usage and eligibility for applicable offers. Conditions apply.

Scene+ Points are awarded for purchases charged to your Scotiabank Platinum American Express Credit Card Account (“the Account”). The regular earn rate is two (2) Points per $1.00 in purchases charged and posted to the Account.

Eligibility: Only purchases earn Scene+ Points. Cash advances (including Balance Transfers, Scotia® Credit Card Cheques and Cash-Like Transactions), fees, interest or other charges, returns, refunds or other similar credits to your Account do not qualify for Scene+ Points. Scene+ Points will not be posted to an Account that is not in good standing when purchases are made or when a statement is issued, or if the Account is not open when a statement is issued. See your Scene+ Points terms at www.scotiabank.com/sceneplus for full program details.

The Scene+ Travel website and call center are owned and operated by Expedia Group, a third-party travel service provider (the “Scene+ Travel Partner”). To earn or redeem Points, travel and things to do must be booked through the Scene+ Travel website or Scene+ Travel call centre. Prices are in Canadian dollars unless otherwise specified. Prices and points requirement are available on the website, and subject to change. The Scene+ Travel Partner may impose terms and conditions that supplement the ‘Additional Terms and Conditions for Scene+ Travel’ included in the Scene+ Program Terms and Conditions. Scene LP and its owners are not responsible for the products and services made available to you by third parties.

Earning Scene+ Points for Scene+ Travel purchases: Scene+ points are earned on eligible travel and Things to Do purchased through Scene+ Travel website or call centre (collectively “Scene+ Travel)”. Scene+ Points are earned on the total value of Things to do, hotel or car rental booking purchases (including taxes and fees) made through Scene+ Travel regardless of the payment method used for the purchase (Scene+ points redemption and/or payment card purchases). Points earned will be added to your Scene+ account within six weeks from the completion of your travel itinerary.

Paying for your eligible Scene+ Travel purchase: Points may be redeemed for the entire amount of the things to do, flight, hotel or car rental booking purchases (including taxes and fees), or redeemed in part with the remaining balance paid by an available payment card.

Additional Scene+ Travel Program Terms and Conditions. Click here for details.

Concierge Services are provided by a duly licensed third-party premium concierge provider (currently Ten Lifestyle Management Limited ("Ten" or "Ten Group")) and are subject to Terms & Conditions and Privacy Statement of that provider. Provider is subject to change by The Bank of Nova Scotia ("Scotiabank"). Scotiabank is not responsible for the Concierge Services, including the delivery of, or for any failure to deliver, any such services. By using the Concierge Services you must consent and agree to Ten Group's Terms & Conditions and Privacy Statement that apply.

Offer Description and Conditions: The 80,000 Bonus Scene+ Points Offer (the “Offer”) applies only to new Scotiabank Platinum American Express credit card accounts (“Account”) opened between January 3, 2025 and October 31, 2025 (regardless of the date you apply for the Account) and is subject to the conditions below. To qualify for 60,000 bonus Scene+ points (the “60,000 Point Bonus”), you must have at least $3,000 in eligible purchases posted to your new Account in the first 3 months of the Account open date. To qualify for an additional 20,000 bonus Scene+ points (the “Additional 20,000 Point Bonus”), you must have at least $10,000 in eligible purchases posted to your new Account in the first 14 months of the Account open date. Eligible purchases include purchases (less any refunds, returns or other similar credits) but do not include payments, cash advances (including balance transfers or cash-like transactions), interest, fees or other charges.

Point Bonus Fulfillment: The applicable point Bonus(es) will be credited within approximately 8 weeks after qualifying for a Bonus, provided the Account is open and in good standing. For Joint Accounts with a Primary Borrower and Co-borrower, the applicable point Bonus will be credited as follows: (i) the 60,000 Point Bonus and Additional 20,000 Point Bonus will be credited to the Scene+ account linked to the Account of the borrower that completed the last transaction to meet the qualifying amount of eligible purchases (i.e., $3,000 or $10,000) in the appropriate time frame (i.e., first 3 months or first 14 months. If a supplementary cardholder completes the last qualifying transaction to meet the qualifying amount of eligible purchases for the 60,000 Point Bonus or the Additional 20,000 Point Bonus, the applicable point Bonus will be credited to the Primary Borrower’s Scene+ account linked to the Account. Points can be transferred between Primary and Co-Borrower or Supplementary Cardholder’s Scene+ accounts by contacting Scene+. The Account is considered in good standing if it is not past due or over limit and the Cardholder(s) is not in breach of the Revolving Credit Agreement that applies to the Account.  All other terms and conditions of the Program Terms continue to apply during the Offer period. Offer may be changed, cancelled or extended at any time without notice and cannot be combined with any other offers.

Eligibility and Exclusions: Individuals who are currently or were previously primary or secondary cardholders of a Scotiabank personal credit card in the past 2 years, including those that switch from an existing Scotiabank personal credit card, as well as employees of Scotiabank, are not eligible for the Offer. Subject to the above exclusions, Scotiabank business credit cardholders are also eligible for the Offer.

Rates and Fees: The current annual fee is $399 for the primary card and $99 for each additional card  (including those issued to co-borrowers and supplementary cardholders).

The current preferred annual interest rates for the Account are: 9.99% on purchases and 9.99% on cash advances (including balance transfers and cash-like transactions). All rates, fees, features and benefits are outlined in the Application Disclosure Statement and are subject to change.

For current rates and information on fees and interest, call 1-888-882-8958. Interest rates, fees and features are subject to change without notice. Learn more about credit card fees and interest rates.

Priority Pass™ membership includes access to airport lounges participating in the Priority Pass program. Certain terms, conditions and exclusions apply. Unless cancelled, Priority Pass membership automatically renews on its anniversary date. Priority Pass membership will be cancelled if your Scotiabank Platinum American Express Card is cancelled. Lounge visits are counted on a per person per visit basis (e.g. Lounge access by a Cardholder and one accompanying guest will count as two (2) visits). The first 10 lounge visits for the primary Cardholder and the first 4 lounge visits for the supplementary Cardholder per 12-month cycle from date of enrolment are complimentary. Beginning with the 11th visit for the primary Cardholder and the 5th visit for the supplementary Cardholder, each additional lounge visits exceeding your complimentary benefit entitlement will be charged at the prevailing retail rate which can be found at https://www.prioritypass.com/join-prioritypass. Priority Pass membership and services are provided by a third party. The Bank of Nova Scotia is not responsible for the Priority Pass membership or services. All fees, features and benefits are subject to change. For complete Priority Pass terms and conditions, please visit https://www.prioritypass.com/Conditions-of-use

We will not charge you Foreign Transaction Fees on foreign currency transactions, including purchases, only the exchange rate applies. The term “Foreign Transaction Fees” is a substitute for “Foreign Currency Conversion” as described in the Disclosure Statement you received with your Card. This fee relates to the 2.5% mark-up that is typically charged by credit card issuers in addition to the exchange rate. See the Foreign Currency Conversion section of the Disclosure Statement for this Card for full details. Rates and fees are subject to change.

Apply Points to Travel redemptions are only permitted towards an eligible travel purchase charged to a Scotiabank credit card or debit card that earns Scene+ Points. Redemptions must be requested through sceneplus.ca or the Scene+ app within 12 months of the travel purchase transaction date. Minimum Scene+ Point redemption thresholds apply. For full terms and conditions, click here.

Purchase must be charged in full to an American Express Card. Subject to availability and to event and ticketing terms, restrictions, verification procedures and fees. Tickets and packages may not be transferable and should not be resold. Refunds and exchanges subject to merchant’s obligations under applicable law. Ticket holder assumes full liability for any risks and Amex is not liable. Events are subject to compliance with public health & safety requirements related to COVID-19 and may be cancelled. For the latest terms of use, purchase policies, safety protocols and changes to events, please check the ticket provider and venue Terms of Use and FAQs before purchasing and prior to attending any event. Visit americanexpress.com for the list of ticket providers and venues and links to their websites.

The Primary Cardholder on the Scotiabank American Express Platinum Card Account (the “Account”) is responsible for all charges to the Account including those made by the additional Supplementary Cardholder.

Apple Pay works with iPhone 6 and later in stores, apps, and websites in Safari; with Apple Watch in stores and apps; with iPad Pro, iPad Air 2, and iPad mini 3 and later in apps and websites; and with Mac in Safari with an Apple Pay enabled iPhone 6 or later or Apple Watch. For a list of compatible Apple Pay devices, see https://support.apple.com/km207105

Under all insurance coverages or services, certain limitations, restrictions and exclusions apply, including a pre-existing condition exclusion for certain benefits. Please see the Certificates of Insurance for full coverage details. Coverages are underwritten by The Manufacturers Life Insurance Company and its wholly owned subsidiary First North American Insurance Company. The Bank of Nova Scotia is not an insurer. All insurance claims must be forwarded to the insurance providers.

Scotia Credit Card Protection is underwritten by Chubb Life Insurance Company of Canada under a Group Policy issued to The Bank of Nova Scotia. All coverage is subject to the terms and conditions outlined in the Certificate of Insurance which you will receive upon enrolment.

Registered trademarks of The Bank of Nova Scotia. American Express is a registered trademark of American Express. This credit card program is issued and administered by the Bank of Nova Scotia under license from American Express.

Compared to other consumer credit cards publicly offered by Canadian Schedule 1 banks as of March 3, 2023.