Earn 2X the Scene+ points for every $1 you spend on all your eligible purchases.1
The only major bank that saves you 2.5% on foreign transaction fees.7∆
Earn up to $2,100* in value in the first 14 months, including up to 60,0004 bonus Scene+ points.
Is this Credit Card right for you?
Right for you if you:
- Want to obtain a convenient and secure payment method for everyday purchases
- Interested in building your credit history by making at least your minimum payments on time each month
- Want an interest free grace period on purchases
- Value the rewards and benefits that can be earned with this Card and willing to pay an annual fee
May not be right for you if you:
- Will be carrying an outstanding balance for a long period of time or using it for debt consolidation
- Rarely travel, rarely make foreign currency purchases, or rarely need travel insurance coverage
- Prefer cash back rewards
Fee & Rates
Minimum credit limit5
- Enjoy complimentary lounge access with Priority Pass™ and access over 1200+ VIP lounges6.
- Complimentary concierge services3, Hertz #1 Club Gold membership, merchandise, rewards and more.
- Travel with comprehensive travel protection.12
- Optional Scotia Credit Card Protection insurance. Coverage to help you and your family stay financially on track through unexpected events.13
Scotiabank Rewards Comparison
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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.
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 60,000 Bonus Scene+ Points Offer (the “Offer”) applies only to new Scotiabank Platinum American Express credit card accounts (“Account”) opened by October 31, 2024 and is subject to the conditions below. To qualify for 50,000 bonus Scene+ points (the “50,000 Point Bonus”), you must open a new Account by October 31, 2024 and 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 10,000 bonus Scene+ points (the “10,000 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.
The 50,000 Point Bonus will be credited to the primary cardholder’s Scene+ account within approximately 2-3 business days after the qualifying $3,000 in eligible purchases being posted to your Account within the first 3 months from the Account open date, provided the Account is open and in good standing. The 10,000 Point Bonus will be credited to the primary cardholder’s Scene+ account within approximately 2-3 business days after you have met the $10,000 14 month spend threshold on the Account, provided your Account is open and in good standing. 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 small 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..
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.
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.
Savings and reward potential in first 14 months based on the following card usage and offers:
Currency conversion as of June 13, 2022.
$600 in travel rewards (60,000 bonus Scene+ points) when you spend $3,000 within your first 3 months (to earn 50,000 points) and when you spend $10,000 within your first 14 months (to earn an additional 10,000 points);
$141 in foreign transaction fee savings based on average first year annual foreign spend (save the 2.5% foreign transaction fee typically charged by other card issuers);
$742 in travel rewards (74,188 Scene+ points) on everyday purchases based on average annual first year spend;
$676 value of a complimentary Priority Pass membership and free lounge passes per year for the primary cardholder (annual membership fee package of CAD$385/USD$299, which includes 10 lounge passes) and for one supplementary cardholder (basic annual membership fee of CAD$127/USD$99 plus 4 lounge passes at CAD$41/USD$32 each).
Potential 14-Month Value = up to $2,159 Actual savings and rewards earned will depend on individual card usage and eligibility for applicable offers. Conditions apply.