Scotiabank Platinum American Express® Card

Earn double Scene points and save on FX fees

Updated: Dec 30, 2022

Advertiser Disclosure

The Scotiabank American Express Platinum Card is a premium American Express card issued by Scotiabank. It's primarily designed for people who travel a lot since it comes with various luxury perks related to travel. For example, the card comes with premium airport lounge access and 12 types of travel insurance. However, this premium travel credit card has much more to offer its clients. By going through the main features of this card, you can make an informed decision about whether the Scotiabank American Express Platinum Card is the right choice for you.




9.99% Variable



149 User Ratings

Scotiabank Platinum American Express® Card

This card is not available through MarketProSecure Canada.

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Introductory APR


Intro APR Period


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Key Features

  • Earn up to $2,250* in value in your first 14 months, including up to 70,000* bonus Scene+ points.Offer ends Jan 3,2023
  • You will not pay 2.5% foreign transaction fees on any foreign currency purchases, including online shopping and when travelling abroad. Only the exchange rate applies
  • Earn 2X Scene+ points for every $1 CAD spent on eligible grocery stores, restaurants, fast food, and drinking establishments. Includes popular food delivery and food subscriptions
  • Earn 2X Scene+ points for every $1 CAD spent on eligible gas and daily transit. Includes rideshare, buses, taxis, subway, and more
  • Earn 2X Scene+ point for every $1 spent on every other purchase
  • 10 Complimentary airport lounge access
  • Mobile device insurance
  • Luxury travel privileges

Our Take

The Bank of Nova Scotia, better known as simply Scotiabank, is one of the best-performing banks in Canada. In fact, Scotiabank belongs to Canada’s Big Five banks, holding third place in market capitalization and deposits. For 2021, Scotiabank’s revenue was $31.25 billion. This multinational company is headquartered in Toronto, Ontario, offering a large selection of banking and financial services. The Scotiabank American Express Platinum Card is only one of many card options available at Scotiabank. Here, you can find out everything about it.

Who is Eligible for the Scotiabank Platinum American Express Card?

Not everyone can become an owner of the Scotiabank Platinum American Express Card. If you want to apply for this credit card, remember you have to be a Canadian citizen or permanent resident. In addition, you must be at least eighteen (18) years old or of legal age in your particular province. Only if you fulfil both of these conditions and have enough incomes you are eligible to apply for the Scotiabank Platinum American Express Card.

Scotiabank Platinum American Express Card Advantages

The Scotiabank American Express Platinum Card is filled with useful features frequent travellers can enjoy. Let’s check out some of the main benefits of this Scotiabank premium credit card.

Generous welcome bonus

As a new American Express Platinum Card owner, you receive up to 60,000 bonus Scene+ points, which is approximately $600 in value. (Terms apply)

Bonus points on spending

For every $1 you spend, you’ll receive 2 Scene+ points that you can collect and spend on the Scene+ program however you wish.

No foreign transaction fees

Since the card was created with travellers in mind, having no foreign transaction fees is one of the greatest benefits the users of this credit card can experience. You can forget about any fees on foreign currency purchases and online shopping sprees abroad.

Airport lounge access

As the Scotiabank American Express Platinum Card owner, you can access ten complimentary airport lounge passes every year. These lounge passes can make your travelling experience much more comfortable and enjoyable.

Unique travel rewards

When you own this premium travel credit card, you gain the right to use services from Scene+ Travel, Scotiabank’s travel agency. As a credit card user, you don’t have any restrictions and can redeem rewards for travel.

Premium travel privileges

In addition to airport lounges, the premium travel privileges that come with this credit card allow the card owners to access complimentary premium concierge services and many other luxury services perfect for travel.

All types of insurance coverage

12 different insurance coverage types will ensure you stay protected in any and every way while you’re away from home.

Mobile device insurance

Your Scotiabank American Express Platinum Card can also provide you with mobile device insurance. With it, your device is protected against theft, loss, accidental damage, and mechanical failure.

Maximum security

Users of this credit card can rest assured all their financial data is safe. This card is known for providing reliable and secure payment methods to its clients, so maximum security is also one of the fundamental features.

Are There Any Disadvantages?

Although the advantages of the Scotiabank AMEX Platinum Card are numerous, there are some disadvantages that come with this card too. They’re all more or less related to money, so you should definitely check them out if you’re considering becoming the newest owner of the Scotiabank American Express Platinum Card.

High annual fee: The Scotiabank American Express Platinum Card comes with some luxurious perks but at a high price. The annual fee for owning this credit card is $399/year, which isn’t cheap. So, you might think twice before applying for the card.

High interest rates: While users don’t have to pay foreign transaction fees, they have to pay for other obligations, such as interest rates. Users have to pay 9.99 % on all purchases and cash advances with interest.

No cash back rewards: If you’re a big fan of cashback rewards, this card isn’t the best choice for you. Even though users can enjoy various travel perks and rewards, getting cash back isn’t one of them.

Minimum credit limit: The minimum credit limit for all Scotiabank American Express Platinum Card owners is $10,000.

Supplementary card fees: Scotiabank doesn’t issue its Platinum American Express Cards for free, so each supplementary card will cost you $99 per year.

What Are Some of the Premium Concierge Services Included?

Scotiabank Platinum American Express Card owners can enjoy countless concierge services included in the credit card offer. But, what do concierge services actually include? These services include anything from making restaurant reservations to purchasing show tickets or the perfect birthday present. The best thing is that the concierge service is available 24/7, so they’re ready to assist you during any part of the day or night.

How to Apply for Scotiabank Platinum American Express Card?

Applying for the Scotiabank Platinum AMEX Card is extremely simple. All you have to do is visit the Scotiabank official website and look for the Scotiabank Platinum American Express Card. Once you find the website page dedicated to this card, you’ll see the ’Apply Now’ button. Clicking on this button will lead you to a page where you’ll answer some questions and fill in all the necessary details. Once you’re finished, you can submit your application and wait for the bank’s response.

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Bottom Line

The Scotiabank American Express Platinum Card is one of the well-known luxurious travel cards. This credit card option is perfect for all individuals who travel a lot and are looking for a card that gives them useful travel perks and other advantages that can come in handy abroad. This premium credit card issued by Scotiabank proved to be the ideal solution for numerous reasons. Besides the generous welcome bonus, the card offers various insurance types and a wide selection of unique travel rewards. Nevertheless, keep in mind its main downside is a high annual fee.

All in all, the Scotiabank American Express Platinum Card is an excellent option for frequent travellers, so make sure to check it out.

Frequently Asked Questions

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Basic Information
Issuer: Scotiabank
Network: American Express
Category: Consumer (Premium)
Best Used For:
  • Instant Decision
  • No Foreign Transaction Fee
  • Every Day Purchases
  • Sign-Up Bonus
Rewards: Yes
Reward Types:
  • Travel Rewards
  • Universal Rewards
  • Other Rewards
Reward Units: Point
Rates & Fees
Regular APR: 9.99%
Regular APR Type: Variable
Annual Fee: $399
Balance Transfer: Yes
APR on Cash Advances: 9.99%
Grace Period: See Terms
Other Fees:
  • Foreign Currency Conversion: None
  • Each Additional Card: $99
  • Dishonored Payment Fee: $42.50
  • Returned Payment Fee:$48.00

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Non-Affiliate Offer Disclosure
*The information provided for Scotiabank Platinum American Express® Card is believed to be accurate at the time of evaluation and has been collected independently by MarketProSecure® Canada. The card issuer did not provide the details, nor it is responsible for their accuracy.

Scotiabank Platinum American Express® Card

Reviews - (1 User Reviews)
Share your experience and rate the Scotiabank Platinum American Express® Card
January 24, 2021
Nicky P.D. (36-45) - Cardholder
Income on Application
Credit Score
Excellent (740-850)
Credit Limit
Filed for Bankruptcy

Good choice for everyone who wants access to Platinum

Since I have a high credit score, I was looking for a card that will provide me with the best possible benefits. The Scotiabank Platinum American Express Card didn't disappoint because it comes with all kinds of benefits, including a full travel insurance package, Platinum Amex card benefits, and so on. I use the card for all purchases, and I'm able to get a lot of Scotia Reward points I spend on my holiday travels. I'm definitely happy with my choice and would recommend this card to everyone with the required score.
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Scotiabank Platinum American Express® Card

Scotiabank Platinum American Express® Card

Rec. Credit Score: Excellent

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