 How do you want this is financial author Ahmed dun of amyden.com on this channel? You'll find financial travel and more videos just like the one. You're watching right now If you like what you see, please give it a thumbs up and consider subscribing Everyone this is financial author Ahmed dun of amyden.com On this YouTube channel. You'll find financial travel and more videos just like the one you're watching right now if you like what you see please give it a thumbs up and consider subscribing. Today I'll have another episode of great card unboxing review or great card unboxing video for you and today I'll be presenting the Scotia Bang Gold American Express great card. This is a travel viewers great card and before I do the actual unboxing I'll be spending about three to five minutes talking about this card and giving a brief description and the viewers points breakdown. So the first thing to start with this card has $99 annual fee and the viewer structure is you get four points on eligible gas, grocery, dining and entertainment and on everything else you get one point. So although it's a travel viewers great card you do not get any bonus viewers points on travel spending so I wouldn't recommend using this card on travel spending and this card comes with lots of parts and features such as it has full insurance coverage, insurance like trip cancellation, trip interruption, flight delay, lost luggage and all sorts of insurances you can possibly think of but I wouldn't use this card for travel insurances because the provider is American Bankers Insurance Company Florida and I'm not comfortable with this insurance company because if you do review online you'll see that lots of negative reviews and negative comments about this insurance company and it's really hard to claim our process of insurance if time comes to actually you need that those insurances. I do have another video actually I do have another couple of videos on the same great card which I'll provide link on top and in the description box below so you can read more about this card so I'm not going to go into full details or full reviews of this card today and this card has another other parts like concierge services and you get a special discount on lounge pass however it doesn't give you a full lounge pass, annual fee or any lounge passes so it just gives you a discount so which I wouldn't use it on for this card and then there are other parts and features that this card offers which you will be able to see in my other video so now let's get going with the unboxing so the package the envelope comes this way and I'll slowly take out the card from the envelope so I'll put it here and then let's take a look at the front of the package so here's the name address and here's the Scotia Bank American Express card and then the card actually is going to be in here so I'll just set it aside for now and we'll take a look at the brochures or the flyers which came along with the card so here is a brochure or marketing piece mentioning that this is it has like a touchless payment contactless payment access so all other cards actually have this for example visa or mastercard and then just tells you about just tap on the card and to go so which is not a big deal we'll put it here then we have a piece about compliant resolution so if you're not satisfied with anything or if you have any complaints then you can contact the president you can contact the Scotia Bank and then you can contact the financial consumer agency of Canada which actually regulates the financial institutions in Canada so it just talked about those things then here we have some other information so I'll just set aside here and then we have another piece here which is the revolving credit agreement so it just talks about promotional offer if there is any minimum payment how to make payment and all sorts of stuff canceling the agreement interest how they're being charged so I'll put it aside here and then looks like here we have a an information folder and it tells you here welcome to Scotia Bank Gold American Express card membership and this is Scotia Bank's slogan which is you're richer than you think and then we have the table of contents where you'll find the Scotia viewers program how it works earning points all about travel and more viewers more benefits and American Express invites account access and here they outline all the benefits and phone numbers what you need to call the internet online access and general inquiries and then earning points how you earn so just like I told you before that this card actually is very good for gas grocery dining and entertainment the way the point structure works you can actually redeem points for everything in the past it's Scotia would allow only to redeem points for travel expenses but the change that so now you're able to redeem point for everything including it's like just like works like cashback card however if you redeem points for anything but travel expenses then you lose value in points so in general when you are using points for travel expenses then you're going to get one point per one cent per point so earning for four points on gas grocery dining and entertainment that means that you're earning a four percent on your spending on these four categories right here and everything else you are only one point or one percent return which is a bad thing because a travel credit card should earn more on travel however this card only earns accelerated points on these four categories and you're going to lose value of your point you're going to lesser than going to get lesser than one cent per point if you're redeeming your points for anything but travel so if you're using this card only redeem for travel then here are other information like the travel benefits redeeming points for travel and redeeming points for your purchases and then let's go share your travel advantage so you have access to a full service travel agency with this credit card you can call them and you can book them book anything you would like or you can just do it online and they have special discounts for those if you book through their travel agency and then lounge access with priority pass which i was telling you before so just gives you a discount on the priority pass membership however it does not give you the full membership plus priority passes or priority passes to enter the lounge there are other credit cards which have which offers which offer both and you'll find those credit cards in on my channel i have reviewed those in the past so if you're interested just go through them and there is the concierge services which is provided by third party concierge and they're just telling you what the concierge can do and you have to call this number to reach the concierge services and then comprehensive travel insurance so it just talks about all the insurances it provides emergency medical trip cancellation flight delay lost luggage hotel motel burglary rental car collision lost damage and travel accident it has emergency medical for 25 days if you are 64 and under and if you're 10 days if you're 65 and over so it's got lots of good insurances the problem is with the provider as i mentioned before that anytime you are using a travel credit card for insurances just be careful about the provider and do good research about how the providers are rated and how the online reviews and stuff because i'm not comfortable with the provider for scotia which is the american bankers insurance company in florida people have had hard times in the past and they have lots of bad complaints online so here it talks about other stuff you can reverse your points for electronics gift card much more however do not do that because you're going to lose the value of your points you're not going to get full one cent per point if you're redeeming for anything else but travel expenses then here's a special offer for card members this is just basically they are offering the american express invites because this is a an american express co-branded card with scotia bank so these special offers for example front of the line advance access and other offers mentioned here you'd get the same thing if you have an american express card so this is some features which are provided through american express and then there's the price protection service which is a good feature if you find your price anywhere at a lower price within 60 days of your purchase then this insurance pays you the difference up to $100 per item and up to $500 per calendar year so this one is a good thing to have and now we have some pickers here and then here is a card which is a contact numbers listed on the back of this card for example customer service emergency travel insurance provider concierge services rental car collision so this thing is good to have in your wallet or in your bag if you're traveling with this card and if you're using these features now we have all sorts of insurance booklets here for example privacy agreement scotia viewers terms and condition and then the purchase security for example here this is the insurance agreement right here purchase security trip cancellation and common carrier travel accident emergency medical here rental car so there's a lot of things to go through so if you're using this card it is recommended that you read each of them before you start using your card or especially when you go for travel and on this side you just still see that you have to activate your card and all sort of other stuff i don't see anything important to mention the only thing i can find here is that the concierge services is provided by hog robinson canada ink hrg so in the past they used to have a different concierge service provider i cannot remember the name but looks like they changed it to hog robinson canada i never dealt with them so i didn't know how efficient are they in terms of meeting your requirements or needs but this is the provider for concierge services so we'll set this here and then we'll go back to the card so here it just tells you that check your personal details and it gives you the reward structures and here it just tells you about all sort of stuff and i'll before i open the card let me just look at inside this folder so it just tells you about here different types of fees and how the statement works selecting your pin and all sort of stuff and then here we have the credit limit the interest rate interest free grace period minimum payment foreign currency conversion yes it charges a 2.5 percent foreign currency conversion there's some cars in canada that do not charge any foreign currency so if you're interested you can check my channel i do have i have reviewed those cars and i have videos about those cars now we'll start with our card so we'll just take it off here okay so this is what it looks like the scoshia bank gold american express freight card so this is an american express freight card which will only work on the american express network it will not work where they do not accept a visa or master card so this is only american express network card however provided by scoshia bank and here's how the card looks like and this will conclude our unboxing video for scoshia bank gold american express card again for more information about this card look in the description box below or on this video i'll provide you the link and i do have full reviews on this card and i have other videos talking about this card that's all for now thank you for watching please give it a thumbs up if you like and i do have more videos and there will be more unboxing videos of this nature so subscribe and enjoy thank you