No FX FeeLounge AccessVisa

Scotiabank American Express Platinum Card

Name: Scotiabank American Express Platinum Card
Brand: Scotiabank
Price: 399 CAD
Availability: InStock

Scotiabank · Scene+

A super-premium Scene+ card with no FX fee and a $399 annual fee. Targets high-income cardholders seeking travel perks and rewards.

$399/yr

Annual Fee

Best Earn

None

FX Fee

$120,000

Min. Income

Current Offer

Up to 80,000 bonus Scene+ points

Spend requirement: $10,000 in 14 months

20,000 Scene+

Apply for the Scotiabank American Express Platinum Card

You'll be taken to the issuer's secure application page.

Earn Rates

All Purchases

1.5xpoints

1.5×

Groceries

2xpoints

2×

Everything Else

1xpoints

1×

Airport Lounge Access

Priority Pass

10 complimentary Priority Pass and Plaza Premium lounge visits annually (14 total with supplementary cardholder), with access to 1,200+ global lounges.

Insurance & Protection

Trip cancellation — $10,000/trip · charge required · Scene+ points can be used to pay for eligible expenses; policy only covers excess cost over travel rewards provided by any reward or frequent flyer plan, except Scene+ points

Trip interruption — $10,000/trip · charge required

Baggage delay/loss — $1,000 total

Rental car collision — Primary CDW/LDW · MSRP ≤ $65,000 · up to 48 days

Purchase protection — 90-day coverage

Extended warranty

Pros

Premium travel insurance coverage
Airport lounge access included
Accelerated Scene+ points earning
Concierge services available

Cons

High $499 annual fee
Limited acceptance vs Visa/Mastercard
Premium tier requires high spending

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