Experience More with AMEX

The following definitions apply to these Terms and Conditions:

• “Cardholder” means the primary holder of a retail Scotiabank American Express Platinum credit card.
• “Cycles” refer to the credit card’s billing cycles.
• “Promotional Period” refers to the period from July 17, 2025, to August 31, 2025.
• “Spend Bonus Period” refers to the first 3 cycles from the account open date during which the customer must meet the Spend Threshold in order to receive the Spend Bonus.
• “Promotion” refers to this promotion and not to any of the Bank’s other promotions or programs.
• “Eligible” refers to any individual qualified to participate in this promotion.
• “First Purchase Bonus” refers to the bonus which a Cardholder receives when the first eligible net purchase is made during the Promotional Period with his/her credit card.
• “Spend Bonus” refers to the bonus which a Cardholder will receive when a predetermined spend threshold is met during the spend bonus period using his/her credit card.
• “Scotia Points” refers to the rewards accumulated from purchases made using the Scotiabank American Express Platinum, which can be exchanged for benefits listed on the Scotia Rewards Platform.
• “Spend Threshold” refers to the minimum amount of money which a Cardholder must spend during the spend bonus period using his/her credit card in order to receive the spen.
• “Net Purchases” refers to purchases minus returns / credits and does not include cash advances, balance transfers, credit card cheques, or any fees and/ or finance charges.
• “SelectPay^TM” refers to the feature which allows credit card customers to use their existing revolving credit limit to turn eligible purchases (USD $75+ or local currency equivalent) into a short-term installment plan of 3, 6, 9 or 12 months. There is a 1% set-up fee for each Installment Plan that is created.
• “Purchase” refers to any retail, internet, phone or mail order purchase, or Point of Sale transaction which the Cardholder makes using his/her credit card and does not include any fees and/ or finance charges.
• “Eligible Purchase” refers to any purchases converted to SelectPay during the Promotional Period and maintained open for at least the minimum installment plan term of 3 months, minus returns/credits, and does not include cash advances, balance transfers, credit card cheques or any fees and/or finance charges.
• “Switch” refers to the process by which a Cardholder changes his/her existing Scotiabank credit card type for another type of credit card of the same grade. For example, switching his/her Mastercard Magna for a Mastercard Gold. 
• “Upgrade” refers to the process by which a Cardholder changes his/her existing Scotiabank credit card to a higher-grade credit card.  For example, upgrading from a Visa Classic to a Mastercard Aero Platinum. 
• "Scotiabank" or “Bank” means Scotiabank & Trust (Cayman) Ltd.,

These Terms and Conditions supplement the terms and conditions of your Scotiabank Credit Card Cardholder Agreement (the “Cardholder Agreement”). Capitalised terms used but not defined in these Terms and Conditions shall have the meanings defined and set out in the Cardholder Agreement.

This Promotion is open to legal residents of the Cayman Islands who are 18 years of age or older. These Terms and Conditions shall be governed by the applicable laws of the named country.

The promotional benefits are as detailed in the chart below for each country listed above:

New Cardholders who qualify for this Promotion will receive the above-mentioned rewards depending on the date when the new account was set up in the Scotiabank system, as follows:

Group #1: For all new Scotiabank American Express credit card accounts booked and shown in the Scotiabank system with an open account date between July 7 and July 31, 2025 inclusive, the First Purchase Bonus Period will end on October 31, 2025 and the reward will be credited by December 31, 2025.

Group #2: For all new Scotiabank American Express credit card accounts booked and shown in the Scotiabank system with an open account date between August 1 and August 31, 2025 inclusive, the First Purchase Bonus Period will end on November 30, 2025 and the reward will be credited by January 31, 2026.

In order to be eligible to receive the above-mentioned promotional benefits, the new Cardholder's credit card must be in good standing and must not have been blocked, frozen, stolen or fraudulently obtained, mislaid, lost or written-off, or delinquent, as of the following dates:

• Group #1: As of December 31, 2025
• Group #2: As of January 31, 2026

Scotiabank staff credit cards are not eligible for these promotional benefits.

The Promotion does not apply to Switches or Upgrades.

• The Bank reserves the right to determine which purchases qualify for this Promotion.
• A Cardholder’s benefit earned through participation in this Promotion will be forfeited in the event that the Cardholder ceases to be a Cardholder at any time during the Promotional Period or card transactions made, during the Promotional Period, are reversed.

In all matters relating to this Promotion, the decision of the Bank shall be final and binding in all respects.

To unsubscribe from receiving communications about, and/or to opt out of this Promotion, please call the Scotiabank Contact Centre by dialing the number on the back of your Scotiabank credit card

Scotiabank has the right to exclude any individual from this Promotion in its absolute discretion without any obligation to provide notice or reason.

Scotiabank reserves the right in its absolute discretion to vary the terms and conditions of this Promotion or change or withdraw this Promotion at any time without giving any reason or notice. In the event of a dispute arising from this Promotion, the Bank’s decision shall be final.

These terms and conditions apply only to this Promotion and do not apply to any of the Bank’s other promotions or programs or any other promotion or program in conjunction with the Bank and any other entity or brand.

* Trademark of The Bank of Nova Scotia used under license.

American Express® is a registered trademark of American Express. This card is issued by Scotiabank pursuant to a license from American Express. 

‡ Conditions apply. Subject to credit approval.

For further details on credit cards please visit www.ky.scotiabank.com