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Scotiabank

Scotiabank Platinum Amex

Start with up to 80,000 Scene+ points, worth about $2,500.

Apply at ScotiabankCalculate my rewards
Annual fee
$399
Reward type
Scene Points
Point value
1¢

per point

Income required
$12,000

personal

Typical credit · 660+
Scotiabank Platinum Amex💳 Flat-Rate Premium

Welcome bonus

New cardmembers can earn up to 80,000 Scene+ points, worth roughly $2,500, by completing the steps below.

How to earn it

  • 60,000 Scene+ pointsSpend $3,000 in eligible purchases within first 3 months
  • 20,000 Scene+ pointsSpend $10,000 in eligible purchases within first 14 months

Individuals who currently hold or previously held a Scotiabank personal credit card in the past 2 years and Scotiabank employees are not eligible

Offer ends 2026-07-01.

How you earn

  • Earn 2 Scene+ points per $1 on all eligible purchases
  • Earn 2 Scene+ points per $1 on eligible travel purchases
  • Earn an additional 3 Scene+ points per $1 when booking hotels and car rentals through Scene+ Travel (Expedia platform)
  • Flexible redemption through Scene+ for travel, movies, groceries, restaurants, and statement credits
  • No minimum redemption restrictions beyond standard Scene+ program thresholds
  • Points accumulate on everyday spending with no strict category caps on base earn rate
  • Bonus Scene+ offers available through promotional welcome packages (varies by campaign period)

Built-in perks & coverage

Airport Lounge Access

10 complimentary lounge visits per year through Priority Pass and Plaza Premium lounges across 1,200+ locations worldwide.

No Foreign Transaction Fees

0% FX fee on all foreign currency purchases, saving the standard 2.5% conversion charge.

Strong Travel Insurance Package

Includes emergency medical coverage up to $2 million, trip cancellation/interruption, flight delay, baggage delay/loss, rental car insurance, and travel accident coverage.

Mobile Device Insurance

Up to $1,000 coverage for eligible smartphones or tablets against damage, theft, or mechanical failure.

Purchase Protection & Extended Warranty

90–120 days purchase security against damage or theft and extended warranty coverage that can double manufacturer warranties up to 2 years.

Amex Experiences & Front of the Line Access

Early access to concerts, events, dining experiences, and exclusive ticket presales.

Premium Concierge Service

24/7 concierge support for travel bookings, dining reservations, event tickets, and lifestyle requests.

Fuel Savings Program

Up to 11¢ per litre in value at Shell stations when linked with Scotiabank programs.

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Flexible Scene+ Rewards

Earn Scene+ points on all purchases and redeem for travel, entertainment, groceries, or statement credits with flexible redemption options.

The verdict

What we like

  • Strong travel-focused rewards with 2x Scene+ points on eligible purchases
  • Premium travel perks including airport lounge access (Priority Pass) with annual visit allotment
  • No foreign transaction fees on international purchases

Worth noting

  • High annual fee ($399)
  • Minimum income requirement limits accessibility for some applicants
  • Lounge access is capped annually rather than unlimited
  • Rewards are tied to the Scene+ ecosystem, which may offer variable redemption value depending on usage strategy

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