 Hello Vyan, this is financial author Amit Dan of amitdan.com. Today, I'll have a Scotia Bank visa rear spread card unboxing and brief review for you. If you like what you see, please smash the like button with full force and please hit the subscribe button with full confidence knowing you'll be updated with quality content I provide for you. Thank you. Hello everyone this is financial author Amitdan of amitdan.com. On my 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 be unboxing the Scotia Rewards visa parade card which is a Scotia visa parade card and this is a no annual parade card so there aren't many parts and features and this card earns one point one Scotia reverse point for every two dollars spent on everyday purchases and there aren't many travel benefits or insurance benefits. The reason I got this card I used to have the Scotia Gold American Express card and I didn't renew my card beyond one year so I had some points left in that card and because the point structures works the same way for both the Scotia Gold American Express card and the Scotia Rewards visa card so I was able to transfer my points from my Scotia Gold American Express to Scotia visa rewards card because they work for they are the same points so it can save points by switching from one to another or from another to or from this card to the Scotia Gold American Express. Now I'll mention more features and benefits as I do the unboxing so let's start and go ahead with the unboxing. Okay so here's the envelope it comes in a white envelope and I'll take this out slowly and I'll put this aside here so this is the front side and let me see what else in here. Okay so it looks like the credit card actually is inside here so just leave this here for now and let's see what's included in the package. Okay so it looks like we have a handy booklet giving the benefits describing the benefits and everything about the card so let's open up it's called Scotia Bank Rewards visa credit card welcome kit. Okay so here there's some more information about the card it says here that you are on one point for every two dollars to spend so there's no category or there's no special bonus category on this card and what you also get is access to a full service travel agency and online travel booking so that might be an added benefit so you have access to full service travel agency and you have to register to start receiving points at ScotiaRewards.com for myself it was not the problem because I was already registered before so I didn't have to register it again and then you can get supplementary card and there's an emergency travel assistance card our wallet included so if you have any questions call the Scotia card line number which are here and then let's look at the real points structure so here it says that you get two okay so these include an incredible array of flexible travel options brand name merchandise gift cards and visa prepaid cards so these are when you are redeeming your points you can have these items and it's easy to redeem just visit the website at ScotiaRewards.com or you can even call their 800 number to redeem your points so and the point earning structure is very simple every two dollars get you one point and you can set up everything for example recurring bill payment or internet service fees or anything because there's no bonus category anything so it's the same for everything okay let's move on to the next page so here enjoy traveling there's no limit to the number of points you can redeem to travel for free and flexibility and convenience to see the world okay so here just is mentioning about you know what you can do with your points if you are short of points you can actually combine with the payments and also you can book your travel first and then redeem your points for your purchase and you don't have to book it Scotia travel center you can just book it anyone and then you can reward redeem it later on and then the travel rewards and travel advantage so these are the benefits they're providing so global hotel discount and discounts offers and special amenities and car rental discounts vacation package savings upgrades and parts on cruises for complete details on travel benefits visit the website so looks like there's like some discounted offers through this program but from experience i know that you know these discounts may not be that actually great discounts you probably will find better deals if you search through or buy through other third-party websites and here i just mentioned about how to reward redeem your points and stuff like that so here's this Scotia viewers program an exceptional viewers program emergency cash card cash and card replacement service zero liability policy in a stand cash advanced worldwide these are usually these benefits usually come with every credit card these are very basics so call or visit banking machine online mobile banking tele banking so Scotia credit card protection which is optional so if you need credit protection insurance then you have to pay extra which i wouldn't recommend to anyone to pay for this protection for nothing and looks like here we have a handy card or wallet with all the important phone numbers this is a good thing i like when great cards provide this type of handy wallet so when you travel you can just put it in your pocket or put it in your bag in case you lose your card or in an emergency you can always have the phone number handy and here's the privacy agreement and here is the viewers program terms and conditions so these are just standard brochure we'll put this away okay so we'll take a look at it this here's another page where they're giving you all the phone numbers and addresses in case of you'd like to contact them or if you have complaints or anything looks like the same thing in french and here we have revolving credit card agreement your rights and obligations so here is just giving you details of you know how interest charges are made or special promotional offer or repaying the monthly loan making a minimum monthly payment it's kind of a standard manual or information folder spelling out all the details about the card so we have gone through all these papers now let's go to our main letter containing the card so this is the full this is the page where the card is located and looks like here just another again it's just giving you the description of the viewers and benefits and what should you to check your personal details review your credit limit and everything and let's just flip it over to see what we have here so initial credit limit zero the reason it shows zero because i do not have any initial credit limit because it's just transferred from a different card so the credit limit of my skoshegold mx is just transferring over to this card annual interest rate which is standard 19.99% and 22.99% which actually i do not recommend anyone to keep some credit cards because of the high interest rate and interest free grace period is 21 days which is a standard for most of the canadian credit cards determination of interest how they determine interest so for this card it is calculated daily and we only add to your debt once a month so usually when the credit cards calculate interest they do their two methods one is daily balance method and average balance method i'll not go into details of this but i have articles on this on my site you'll be able to say it if you're interested to know how the charge interest minimum payment the interest charges fees and 10 dollars foreign currency conversion to 15 which is a standard for most of the canadian cards remember only four canadian cards do not charge foreign currency fee and i have articles on this and i'll be posting more videos on youtube on which cards are those that do not charge any foreign currency conversion fee or foreign transaction fee other fees they're just you know giving out all the fees other fees it might charge and if we flip this over just more information on everything so whenever you have you're having a credit card if you have time it's always recommended that you go through all these although i doubt anyone does that now let's go to the card and we'll take it out okay so here is how it looks like so it looks like a white card with scotia bank logo on top and the name here and the visa logo right here it's not a bad looking card but again this is just a basic no anopic grade card which earns two points or sorry two one point per two dollars spent and i do not recommend to make this card your daily card or everyday card due to the lower reverse structure okay so this is what scotia your visa card looks like and i'll end this video very shortly and i'd like to mention that please give it a thumbs up if you like what you see i have lots of great cards great card articles and videos on my youtube channel and on my website and if you're interested you can definitely read all those to find out more about which card or cards are the best for you and what points system or what points cards you should be getting to maximize your points and yours so that's all for today thank you for watching and i'll see you soon