Patagonia is a region that includes lakes, fjords, glaciers and the southern section of the Andes Cordillera. It’s a great place to disconnect and reconnect with nature. A favourite for all outdoor enthusiasts! After a period of confinement in the city, a little tour in nature will be the perfect remedy!
Buenos Aires
My trip to Patagonia began in Buenos Aires, Argentina, although it is also possible to start in Santiago, Chile.
Patagonia is located on the territory of both countries and it was the logistics of my itinerary that led me to choose Buenos Aires as my entry point.
This South American metropolis has left its mark on me as much for its European architecture as for its distinct culture.
Indeed, I felt like I was in Europe and I wasn’t very out of place. Argentinian steaks are as good as you’d think!
A place not to be missed in Buenos Aires is the cemetery of La RecoletaCemetery, one of the most beautiful mausoleum cemeteries in the world. The tombs of several famous personalities, mostly people who have left their mark on Argentina, can be found there.
Finally, there were neighborhoods a little more emblematic as La Boca.
This neighbourhood stands out for its colourful buildings and its pedestrian streetEl Camineto. This area has become purely touristic in recent years.
Today, unfortunately, there are souvenir shops and tourist attractions.
El Calafate
We then took a flight to El Calafateto see the famous Perito Moreno glacier.
Part of an important ice field in Patagonia, it is probably the most important tourist attraction in Argentina. This glacier is one of the few that is not retreating; it maintains its balance by advancing ~700 metres per year to compensate for its lost mass.
It is usually possible to watch the calving of the glacier; a recurring phenomenon where huge blocks and walls of ice collapse into the Lake Argentino.
As the glacier advances to reach the other side of the shore, it divides the lake in two like a dam and then submits to water pressures that seek to dismantle it.
The collapse of the glacier front is a spectacular event that occurs approximately every 3 to 8 years.
We were lucky enough to witness the beginning of this show, when the glacier was beginning to give way under pressure.
Although we waited all day for the finale of this nature scene, it was only the next day that it completely collapsed. Normally, it is possible to kayak to get close to the glacier, but these massive breaks made it impossible during our passage.
I still remember the distinct sound of the ice walls breaking away and hitting the lake water.
El Chalten
We then took a little trip to El Chalten in order to see Mount Fitz Roy. To do so, we undertook a hike to one of the viewpoints of the Lagunas de los Tres.
The difference in altitude of this hike was such that the change of terrain was very fast. We travelled about 20 kilometres in highly variable temperatures!
We were hoping to get to the viewpoint in time for lunch, but due to a heavy mix of wind and precipitation, we hurriedly started our descent after taking our pictures. Half an hour later, the sun had returned, but we no longer had the energy to go back up.
We met several climbers preparing to climb the mountain! It is also possible to do glacier walks in this area.
As I was just back from New Zealand, where I spent a lot of time walking on glaciers in the region of Franz Josef, an Argentinian tour guide advised me that the ice in the region would not be as beautiful as the one on my previous trip. So I decided to pass.
However, my friends went there and confirmed the information. Here are two pictures they took on the Viedma glacier:
We returned to El Calafate (3h ~150km), then we continued towards Puerto Natales, in Chile (6h ~360km). It was a lot of driving, but I really wanted to go to the Los Glacieres national park and the Torres del Paine national park, which is in Chile. Fortunately, several very comfortable buses serve the territory.
We then rested at Puerto Natales, before starting a few days of camping at Torres del Paine. For those who wish to concenterr only on this national park, it is possible to get there by plane from Santiago.
Different buses regularly leave from Puerto Natales to the park entrance or to the ferry to get to the camp of Paine Grande. The trip takes around 2 hours.
Torres del Paine
The most famous trek in the surroundings is called the « W », because all the paths of the park of Torres del Paine join to make a « W ».
The entire trek requires a minimum of five days and four nights to complete the ~80kms. Shelters and campgrounds are well positioned to make life easier for walkers.
However, it is possible to divide the hike and complete only certain parts of it (short version in 3 days). That’s what we did, because I was not at all happy with the idea of having to drag a tent and provisions for several days! We chose two specific campsites as bases for our hikes.
We started with the most known and difficult trek; a round trip of ~20kms to the lake at the base of the towers of Las Torres.
This is probably the hardest hike I’ve ever taken! I’m not a very fit person, but my desire to have new experiences and be amazed leads me to persevere and push the limits of my body.
The last kilometer was on a 400m difference in altitude and it took me everything to get over it!
We later crossed the lake Pehoe to arrive in the Vallée Française, where we went on several hikes, each one as impressive as the other.
The majority of the trails in the valley ended on a glacier.
During our walk through the park, we walked a total of about 60km, spread over three days where we camped directly on site.
Never before have I been so disconnected from my routine in order to experience such a complete immersion with nature. It was an unforgettable experience!
Once back at Puerto Natales, it is possible to take a flight to Santiago to finish your trip, or even to go to Easter Island (article to come)!
At the time of my visit to Patagonia, I had not yet planned my trip to Antarctica. That’s why we decided to go to Ushuaia, to do more hiking in Tierra del Fuego. The distance of 850km between Puerto Natales and Ushuaia took around 12 hours to cover by bus.
It is through this trip to Ushuaia that I developed the desire to go even further and prepare a trip to Antarctica!
For more details on Ushuaia and Tierra del Fuego, please refer to My Antarctic Report!
Logistics
Flights
For those who would like to make this trip to Patagonia without passing through Ushuaia, I advise you to take a multi-destination plane ticket by arriving at Buenos Aires and departing from Santiago. You will need 60,000 Aeroplan miles to make this trip in economy class.
Internal flights from Buenos Aires to El Calafate, Ushuaia, Puerto Natales and Santiago can be paid for in points, but only by transferring Amex membership points to airline partners. Aerolinas Argentina and LATAM are part of SkyTeam.
It’s when I plan trips like these that I realize how valuable Amex Membership Rewards points are. I like to diversify my holdings and points are no exception. Although you shouldn’t earn miles and points without a goal, I think it’s important to always keep a bit of it aside.
When a travel opportunity arises, you can always transfer these points and use them with almost any airline!
$1,020ⓘMilesopedia first-year estimateFirst-year valueWelcome bonus$1,020Total$1,020Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
Milesopedia first-year estimateⓘFirst-year valueWelcome bonus$1,020Total$1,020Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
Apply with confidence — no impact on your credit scoreⓘApply with confidenceCheck whether your application will be approved before you submit it, with no impact on your credit score*When you apply for a personal American Express Credit Card, we will tell you whether you are eligible without affecting your credit score. So you can apply with confidence.*Instant decisions are only available for consumer Card applications (also called “personal Cards”).
Earn up to 60,000 Membership Rewards points with this welcome offer for the American Express Gold Rewards Card. That’s a value of $600 toward travel or any purchase charged to the Card:
5,000 Membership Rewards points per month when you charge $1,000 in net purchases to your Card, for 12 months (a total of 60,000 points in the first year).
You can also transfer your points to airline partners such as Aeroplan, Avios (British Airways, Qatar Airways, Finnair), Flying Blue, and hotel partners (Marriott Bonvoy, Hilton Honors).
For example, with this welcome offer, if you decide to transfer your Membership Rewards points to a partner loyalty program, you would have the choice of earning up to :
60,000 Aeroplan points
60,000 Avios
60,000 Flying Blue Miles
72,000 Marriott Bonvoy points
With this Card, you get many benefits like:
$100 annual travel credit
Priority Pass membership and 4 complimentary Plaza Premium visits per year
$50 NEXUS credit
You earn 2 points per dollar for travel purchases, and at:
gas stations
grocery stores
drugstores
And 1 point per dollar everywhere else.
Like all American Express Canada Cards, there is no minimum income requirement.
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Annual fee
Primary card$250
Additional card$50
Annual income required
Individual$0
Household$0
Conversion fees
2.5%
Earning rate
2xPharmacy
2xGas & EV
2xTravel
2xGroceries
1xAll spending
Value
1st Year Value$1,555
2nd Year Value$589
Transfer partners
AeroplanAirline
British Airways ClubAirline
Cathay Asia MilesAirline
Etihad GuestAirline
Flying BlueAirline
Hilton HonorsHotel
Marriott BonvoyHotel
Card benefits
Airport lounge access$160
Travel insurance
Travel medical (under 55)Up to $5,000,000 / 15 days
Travel medical (55-64)Up to $5,000,000 / 15 days
Trip CancellationUp to $1,500
Trip InterruptionUp to $1,500
Delayed BaggageUp to $500
Lost BaggageUp to $500
Flight DelayUp to $500
Hotel BurglaryUp to $500
Travel AccidentUp to $500,000
Purchase protection
Purchase ProtectionIncluded
Extended Warranty+1 years
Auto Rental Collision (primary)Up to $85,000 / 48 days
The campsite
As of October 2016, you must now reserve your campsite space in advance.
I suggest you make online reservations on the following three sites depending on the camp you have chosen. Reservations can be made by card and with Paypal. Don’t forget to use a card credit card with no conversion fee!
$350ⓘMilesopedia first-year estimateFirst-year valueWelcome bonus$350Total$350Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
Milesopedia first-year estimateⓘFirst-year valueWelcome bonus$350Total$350Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
With this welcome offer for the Scotiabank Passport Visa Infinite +* Card +* CardMC, you’ll earn 25,000 welcome bonus Scene+ points after charging $2,000 in purchases to your account within the first three months.
Plus, every year, earn an annual bonus of at least 10,000 Scene+ points when you charge at least $40,000 in purchases to your account. In total, the offer represents up to 35,000 Scene+ points and a value of up to $1,250 in the first year, including rewards, savings on foreign transaction fees and airport lounge access.
With the Scotiabank Passport Visa Infinite +* Card, you earn 3 points per $1 spent at Sobeys, IGA, Safeway, Foodland and participating Co-ops, and 2 points per $1 spent at other grocery stores, restaurants, eligible entertainment and eligible daily transit. You earn 1 point per $1 on all your other everyday purchases.
These points can be redeemed against any travel purchase at a rate of 1,000 points = $10 (flights, hotels, all-inclusives and even Airbnb), or as cash back with Scene+ at the same rate.
The Scotiabank Passport Visa Infinite +* Card also offers:
No fees for foreign currency transactions
6 complimentary airport VIP lounge passes
Excellent insurance for your travels and purchases
Visa Infinite* Concierge Services
We have named this credit card the Best Credit Card with No Foreign Transaction Fees in 2024, 2025, and 2026.
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* The potential value of savings and rewards during the first 12 months includes the value of the welcome offer, the potential value of points earned in the first year, the value of savings on foreign currency transaction fees and the cost of airport lounge access as of May 22, 2026:
$250 in travel rewards (25,000 bonus Scene+ points) for new Scotiabank Passport® Visa Infinite +* Cardholders who charge $2,000 in purchases to their account within the first three (3) months;
$100 in travel rewards (10,000 bonus Scene+ points) for cardholders who charge $40,000 in purchases to their account;
$50 in savings from the annual fee waiver on the first additional card for new Scotiabank Passport Visa Infinite +* Card credit card account holders;
$132 in savings on foreign currency transaction fees based on the average amount of foreign currency purchases made per active account over the past 24 months (by saving on the 2.5% foreign currency transaction fees typically charged by other credit card issuers);
$364 representing the potential value of points earned in the first year (36,400 Scene+ points) based on the average amount of purchases made per active account over the past 24 months, assuming an average spend of 21% of purchases in categories eligible for accelerated earn rates of 2X and 3X points;
$358 representing the value of complimentary membership in the Visa Airport Companion program which includes 6 airport lounge passes (based on « Preferred » membership valued at approximately $357 CAD/$259 USD). Based on the exchange rate in effect on May 22, 2026.
Maximum potential value after the first year = $1,254 (rounded to $1,250)
The actual value of offers, savings realized and points earned will vary depending on card usage and eligibility for applicable offers. Conditions apply.
1 Offer description and conditions: The 25,000 Scene+ points offer (the « offer ») applies only to new Scotiabank Passport Visa Infinite +* Card credit card accounts (the « accounts ») opened between August 4, 2026 and November 1, 2026 (regardless of the date you apply for the account) subject to the conditions below. The offer may be modified, cancelled or extended at any time without notice, and it cannot be combined with any other offer.
In addition, as a Scotiabank Passport Visa Infinite +* Cardholder, you are eligible for an annual bonus of 10,000 Scene+ points if you charge at least $40,000 in eligible everyday purchases to your Scotiabank Passport Visa Infinite +* Card account over the course of one year. Conditions apply; see below for more details.
Description and conditions of the 25,000 bonus Scene+ points offer: To be eligible for the 25,000 bonus Scene+ points offer (« 25,000 bonus points »), you must charge at least $2,000 in total eligible purchases to your account within the first three months following the account opening date.
Conditions for the annual 10,000 Scene+ points bonus: As a Scotiabank Passport Visa Infinite +* Card credit cardholder, you can earn an annual bonus of at least 10,000 Scene+ points (the « annual points bonus ») if you charge at least $40,000 in eligible purchases to your account over the course of one year (12-month period). The annual period begins on the account opening date; a new period starts again every twelve months thereafter. If you replace another Scene+-eligible credit card with the Scotiabank Passport Visa Infinite +* Card (i.e., it is not a new card or an additional card), the opening date of your original account will be carried over to your new Scotiabank Passport Visa Infinite +* Card account and your annual period under this offer will begin on the next anniversary date of your original account opening. For example, if you originally opened a Scotiabank Gold American Express® Card account on January 15, 2022 and you switch to the Scotiabank Passport Visa Infinite +* Card on July 15, 2025, your annual period under the 10,000 Scene+ points annual bonus offer will begin on January 15, 2026 (your next anniversary date) and a new period will start again on January 15 each year thereafter. You will earn 2,000 bonus Scene+ points for each additional $10,000 in purchases made during the same year once you have reached the $40,000 annual purchase threshold.
Eligible purchases means purchases, less refunds, returns and any other similar credits, and excludes payments, cash advances (including balance transfers and quasi-cash transactions), interest charges, as well as card fees and other fees.
Fulfillment of the annual points bonus: Bonus points will be credited within approximately eight weeks after you become eligible for a bonus, provided the account is open and in good standing. In the case of a joint account with a primary borrower and a co-borrower, bonus points will be credited as follows: (i) the 25,000 bonus points and the annual points bonus will be credited to the Scene+ account linked to the account of the borrower who made the transaction that reached the eligible purchase threshold ($2,000, or $40,000) within the appropriate timeframe (the first three months, or the first 12 months). If an additional cardholder makes the transaction that reaches the eligible purchase threshold for the 25,000 bonus points, or the annual points bonus, the bonus points will be credited to the Scene+ account linked to the primary borrower’s account. It is possible to transfer points between the Scene+ accounts of a primary borrower, a co-borrower or an additional cardholder by contacting Scene+. An account is in good standing if it is not past due, there is no over-limit, and the cardholder(s) have complied with the terms of the Revolving Credit Agreement that applies to the account. All other program conditions continue to apply during the offer period.
Offer eligibility and exclusions: You cannot take advantage of the offer if you are currently a primary or secondary cardholder of a Scotiabank personal credit card or have been one in the past two years, including if you transfer your balance from an existing Scotiabank personal credit card account, and if you are a Scotiabank employee. Subject to the exclusions mentioned above, small business credit cardholders are eligible for this offer.
Rates and fees: The annual fees are $150 for the primary card, $0 for the first additional card and $50 for each additional card thereafter (including those issued to joint account holders and additional cardholders). The preferred annual interest rates applicable to the account are as follows: 20.99% on purchases and 22.99% on cash advances (including balance transfers and quasi-cash transactions). The rates, fees, and features and benefits, which are described in the disclosure statement accompanying the application, may be changed.
Annual fee
Primary card$150
Additional card$50
Annual income required
Individual$60,000
Household$100,000
Conversion fees
0%
Earning rate
2xGroceries
2xRestaurants
2xTransit
2xEntertainment
1xAll spending
Value
1st Year Value$650
2nd Year Value$397
Card benefits
Concierge service24/7
Airport lounge access$240
Travel insurance
Travel medical (under 55)Up to $1,000,000 / 25 days
Travel medical (55-64)Up to $1,000,000 / 25 days
Travel medical (65+)Up to $1,000,000 / 3 days
Trip CancellationUp to $1,500
Trip InterruptionUp to $2,500
Delayed BaggageUp to $1,000
Lost BaggageUp to $1,000
Flight DelayUp to $500
Hotel BurglaryUp to $1,000
Travel AccidentUp to $500,000
Purchase protection
Purchase ProtectionIncluded
Extended Warranty+1 years
Auto Rental CollisionUp to $65,000 / 48 days
These expenses are also coded as « travel » for those who wish to apply their travel points to cover the costs.
Next, the vouchers have to be printed. Although it is also possible to make reservations in person in Puerto Natales, availability is more limited than what is offered online. During the high tourist season, from December to March, campsites and huts are often fully booked.
Here is the list of campsites and the agency to contact to make reservations:
Locations
Type
Agency
Las Torres
Refuge and Camping
Fantastico Sur
Chileno
Refuge and Camping
Fantastico Sur
Seron
Camping
Fantastico Sur
El Frances
Camping
Fantastico Sur
Cuernos
Refuge
Fantastico Sur
Dickson
Refuge
Vertice Patagonia
Los Perros
Camping
Vertice Patagonia
Grey
Refuge
Vertice Patagonia
Paine Grande
Refuge
Vertice Patagonia
Paso
Camping
CONAF
Italiano
Camping
CONAF
Torres
Camping
CONAF
Finally, here is a map of the park with the location of campsites and shelters to help you plan your itinerary.
The circuits
In summary, it is possible to make several tours in Torres del Paine.
The W-shaped circuit
The « W » circuit
The most popular
Short version in 3 days or long version in 5 days
Can be done in both directions
Includes the highlights of the park: Torres del Paine, the French Valley and the Gray Glacier.
Campsites very well located to be able to do the treks with a simple day backpack.
Requires little hiking experience
Access to electricity, hot showers and places to buy food or essential items
Suggested route: Chileno or Central Camp → Italiano or Frances Camp → Paine Grande hut → Grey hut →
The O-circuit
The « O » circuit
Requires 6 to 10 days
Less traffic on the trails
More in-depth experience of the park without necessarily seeing more highlights
Obligation to bring everything you need with you throughout the circuit
Obligation to make the circuit counter-clockwise
Multi-day hiking experience recommended
Suggested route: Paine Grande hut → Frances hut → Torres hut → Serón hut → Dickson hut → Los Perros hut → Grey hut →
The circuit in Q
The « Q » circuit
Requires 7 to 11 days
Is an extension to the « O » circuit and the « W » circuit.
Full Torres del Paine Park Experience
Obligation to bring everything you need with you throughout the circuit
Obligation to make the circuit counter-clockwise
Multi-day hiking experience recommended
Suggested route: Paine Grande hut → Italiano hut → Torres hut → Serón hut → Dickson hut → Los Perros hut → Paso hut → Grey hut →
$350ⓘMilesopedia first-year estimateFirst-year valueWelcome bonus$350Total$350Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
Milesopedia first-year estimateⓘFirst-year valueWelcome bonus$350Total$350Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
With this welcome offer for the Scotiabank Passport Visa Infinite +* Card +* CardMC, you’ll earn 25,000 welcome bonus Scene+ points after charging $2,000 in purchases to your account within the first three months.
Plus, every year, earn an annual bonus of at least 10,000 Scene+ points when you charge at least $40,000 in purchases to your account. In total, the offer represents up to 35,000 Scene+ points and a value of up to $1,250 in the first year, including rewards, savings on foreign transaction fees and airport lounge access.
With the Scotiabank Passport Visa Infinite +* Card, you earn 3 points per $1 spent at Sobeys, IGA, Safeway, Foodland and participating Co-ops, and 2 points per $1 spent at other grocery stores, restaurants, eligible entertainment and eligible daily transit. You earn 1 point per $1 on all your other everyday purchases.
These points can be redeemed against any travel purchase at a rate of 1,000 points = $10 (flights, hotels, all-inclusives and even Airbnb), or as cash back with Scene+ at the same rate.
The Scotiabank Passport Visa Infinite +* Card also offers:
No fees for foreign currency transactions
6 complimentary airport VIP lounge passes
Excellent insurance for your travels and purchases
Visa Infinite* Concierge Services
We have named this credit card the Best Credit Card with No Foreign Transaction Fees in 2024, 2025, and 2026.
Legal
* The potential value of savings and rewards during the first 12 months includes the value of the welcome offer, the potential value of points earned in the first year, the value of savings on foreign currency transaction fees and the cost of airport lounge access as of May 22, 2026:
$250 in travel rewards (25,000 bonus Scene+ points) for new Scotiabank Passport® Visa Infinite +* Cardholders who charge $2,000 in purchases to their account within the first three (3) months;
$100 in travel rewards (10,000 bonus Scene+ points) for cardholders who charge $40,000 in purchases to their account;
$50 in savings from the annual fee waiver on the first additional card for new Scotiabank Passport Visa Infinite +* Card credit card account holders;
$132 in savings on foreign currency transaction fees based on the average amount of foreign currency purchases made per active account over the past 24 months (by saving on the 2.5% foreign currency transaction fees typically charged by other credit card issuers);
$364 representing the potential value of points earned in the first year (36,400 Scene+ points) based on the average amount of purchases made per active account over the past 24 months, assuming an average spend of 21% of purchases in categories eligible for accelerated earn rates of 2X and 3X points;
$358 representing the value of complimentary membership in the Visa Airport Companion program which includes 6 airport lounge passes (based on « Preferred » membership valued at approximately $357 CAD/$259 USD). Based on the exchange rate in effect on May 22, 2026.
Maximum potential value after the first year = $1,254 (rounded to $1,250)
The actual value of offers, savings realized and points earned will vary depending on card usage and eligibility for applicable offers. Conditions apply.
1 Offer description and conditions: The 25,000 Scene+ points offer (the « offer ») applies only to new Scotiabank Passport Visa Infinite +* Card credit card accounts (the « accounts ») opened between August 4, 2026 and November 1, 2026 (regardless of the date you apply for the account) subject to the conditions below. The offer may be modified, cancelled or extended at any time without notice, and it cannot be combined with any other offer.
In addition, as a Scotiabank Passport Visa Infinite +* Cardholder, you are eligible for an annual bonus of 10,000 Scene+ points if you charge at least $40,000 in eligible everyday purchases to your Scotiabank Passport Visa Infinite +* Card account over the course of one year. Conditions apply; see below for more details.
Description and conditions of the 25,000 bonus Scene+ points offer: To be eligible for the 25,000 bonus Scene+ points offer (« 25,000 bonus points »), you must charge at least $2,000 in total eligible purchases to your account within the first three months following the account opening date.
Conditions for the annual 10,000 Scene+ points bonus: As a Scotiabank Passport Visa Infinite +* Card credit cardholder, you can earn an annual bonus of at least 10,000 Scene+ points (the « annual points bonus ») if you charge at least $40,000 in eligible purchases to your account over the course of one year (12-month period). The annual period begins on the account opening date; a new period starts again every twelve months thereafter. If you replace another Scene+-eligible credit card with the Scotiabank Passport Visa Infinite +* Card (i.e., it is not a new card or an additional card), the opening date of your original account will be carried over to your new Scotiabank Passport Visa Infinite +* Card account and your annual period under this offer will begin on the next anniversary date of your original account opening. For example, if you originally opened a Scotiabank Gold American Express® Card account on January 15, 2022 and you switch to the Scotiabank Passport Visa Infinite +* Card on July 15, 2025, your annual period under the 10,000 Scene+ points annual bonus offer will begin on January 15, 2026 (your next anniversary date) and a new period will start again on January 15 each year thereafter. You will earn 2,000 bonus Scene+ points for each additional $10,000 in purchases made during the same year once you have reached the $40,000 annual purchase threshold.
Eligible purchases means purchases, less refunds, returns and any other similar credits, and excludes payments, cash advances (including balance transfers and quasi-cash transactions), interest charges, as well as card fees and other fees.
Fulfillment of the annual points bonus: Bonus points will be credited within approximately eight weeks after you become eligible for a bonus, provided the account is open and in good standing. In the case of a joint account with a primary borrower and a co-borrower, bonus points will be credited as follows: (i) the 25,000 bonus points and the annual points bonus will be credited to the Scene+ account linked to the account of the borrower who made the transaction that reached the eligible purchase threshold ($2,000, or $40,000) within the appropriate timeframe (the first three months, or the first 12 months). If an additional cardholder makes the transaction that reaches the eligible purchase threshold for the 25,000 bonus points, or the annual points bonus, the bonus points will be credited to the Scene+ account linked to the primary borrower’s account. It is possible to transfer points between the Scene+ accounts of a primary borrower, a co-borrower or an additional cardholder by contacting Scene+. An account is in good standing if it is not past due, there is no over-limit, and the cardholder(s) have complied with the terms of the Revolving Credit Agreement that applies to the account. All other program conditions continue to apply during the offer period.
Offer eligibility and exclusions: You cannot take advantage of the offer if you are currently a primary or secondary cardholder of a Scotiabank personal credit card or have been one in the past two years, including if you transfer your balance from an existing Scotiabank personal credit card account, and if you are a Scotiabank employee. Subject to the exclusions mentioned above, small business credit cardholders are eligible for this offer.
Rates and fees: The annual fees are $150 for the primary card, $0 for the first additional card and $50 for each additional card thereafter (including those issued to joint account holders and additional cardholders). The preferred annual interest rates applicable to the account are as follows: 20.99% on purchases and 22.99% on cash advances (including balance transfers and quasi-cash transactions). The rates, fees, and features and benefits, which are described in the disclosure statement accompanying the application, may be changed.
Annual fee
Primary card$150
Additional card$50
Annual income required
Individual$60,000
Household$100,000
Conversion fees
0%
Earning rate
2xGroceries
2xRestaurants
2xTransit
2xEntertainment
1xAll spending
Value
1st Year Value$650
2nd Year Value$397
Card benefits
Concierge service24/7
Airport lounge access$240
Travel insurance
Travel medical (under 55)Up to $1,000,000 / 25 days
Travel medical (55-64)Up to $1,000,000 / 25 days
Travel medical (65+)Up to $1,000,000 / 3 days
Trip CancellationUp to $1,500
Trip InterruptionUp to $2,500
Delayed BaggageUp to $1,000
Lost BaggageUp to $1,000
Flight DelayUp to $500
Hotel BurglaryUp to $1,000
Travel AccidentUp to $500,000
Purchase protection
Purchase ProtectionIncluded
Extended Warranty+1 years
Auto Rental CollisionUp to $65,000 / 48 days
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