The Scotiabank® Scene+™ Visa* card offers a convenient and rewarding solution for everyday spending, catering to individuals seeking a versatile credit card with valuable benefits. With the ability to earn double Scene+ points at select retailers like Sobeys, Safeway, Foodland, Home Hardware, and Cineplex, cardholders can maximize their rewards while enjoying the convenience of a widely accepted payment method.

Additionally, the card’s special offer of up to 7,500 bonus Scene+ points within the first 3 months provides an enticing incentive for new applicants, making it an appealing choice for those looking to enhance their purchasing power and earn valuable rewards.

Key information about the Scotiabank® Scene+™ Visa* card

The Scotiabank® Scene+™ Visa* Card offers an array of features tailored to meet the needs of modern consumers. With no annual fee, cardholders can enjoy the benefits of a credit card without the burden of additional costs. This card also provides a competitive interest rate of 20.99% on purchases, making it an attractive option for those seeking a cost-effective payment solution.

How does the annual fee work?

The Scotiabank® Scene+™ Visa* card stands out for its lack of an annual fee, offering cardholders a cost-effective payment solution without any additional financial burden. This means that cardholders won’t be charged a yearly fee simply for holding the card.

Instead, they can enjoy the benefits and rewards of the card without worrying about recurring charges. This feature makes the card particularly appealing for individuals who prefer to avoid annual fees and are looking for a hassle-free credit card option.

How is the credit limit determined?

The credit limit for the Scotiabank® Scene+™ Visa* card is typically determined by several factors, including the applicant’s credit history, income level, and existing financial obligations. Scotiabank evaluates these factors to assess the applicant’s creditworthiness and determine a suitable credit limit that aligns with their financial profile.

Generally, individuals with higher incomes and stronger credit histories may qualify for higher credit limits, while those with lower incomes or less established credit may receive lower limits.

Credit card benefits 

• Double Scene+ Points accumulation: Earn double Scene+ points on purchases at select merchants like Sobeys, Safeway, Foodland, Home Hardware, and Cineplex, accelerating your point accumulation for quicker rewards redemption.
• Special bonus Scene+ Points offer: Enjoy up to 7,500 additional Scene+ points within your first 3 months as a cardholder, kickstarting your rewards journey with a generous bonus offer.
• No annual fee: Benefit from the Scotiabank® Scene+™ Visa* card without worrying about an annual fee, providing you with rewards without extra costs.
• Flexible payment plans with Scotia SelectPayTM: Take advantage of flexible payment options on eligible purchases, allowing you to manage your payments effectively and affordably.
• Discounts on car rentals: Save up to 25% off base rates at participating AVIS and Budget locations in Canada and the U.S. when paying with your Scotiabank Scene+ Visa card, providing added value during travel.
• Supplementary cards with added benefits: Add supplementary cardholders to your account at no extra cost, extending the benefits of your Scotiabank® Scene+™ Visa* Card to family members or friends, enhancing your collective rewards potential.

Scene+ Rewards program

The Scotiabank® Scene+™ Visa* card stands out for its rewarding Scene+ program, allowing cardholders to earn and redeem points for a variety of perks, including free movies, meals, and more. With every purchase, you’re one step closer to unlocking exciting rewards and enhancing your lifestyle.

Disadvantages

• High interest rates: This card carries relatively high interest rates on purchases and cash advances, potentially increasing the cost of borrowing for cardholders who maintain a balance.
• Limited cashback rewards: While it offers Scene+ points for various purchases, those preferring cash back rewards may find the options limited with this card.
• Lack of insurance benefits: Unlike some competitors, this card may not include embedded insurance benefits like travel or purchase protection, potentially leaving cardholders without additional coverage for certain situations.

High interest rates

The standout disadvantage of the Scotiabank® Scene+™ Visa* card is its high-interest rate, which can lead to considerable additional expenses for cardholders who maintain a balance over an extended period.

This elevated interest rate, particularly on cash advances and balance transfers, can significantly impact cardholders’ overall financial burden, especially if they are unable to pay off their balances in full each month.

Who can apply for this card?

Applicants must meet certain eligibility criteria to qualify for the Scotiabank® Scene+™ Visa* card, including a minimum age requirement, steady income, and satisfactory credit history. While approval is subject to Scotiabank’s assessment, individuals with diverse financial backgrounds can apply for this card and enjoy its benefits.

How to apply for the Scotiabank® Scene+™ Visa* card

Via WebSite

To apply for the Scotiabank® Scene+™ Visa* card online, visit the Scotiabank website and navigate to the credit cards section. Locate the Scotiabank® Scene+™ Visa* card and click on it to access the application form.

Fill out the required personal information accurately, including your name, address, employment status, income details, and Social Insurance Number (SIN). Review the information carefully before submitting your application electronically through the website.

Upon approval, you’ll receive your Scotiabank® Scene+™ Visa* card by mail within a few business days. Activate the card following the instructions provided by Scotiabank. Once activated, you can start using your card to earn Scene+ points and enjoy its benefits.

It’s essential to understand the card’s terms and conditions, including the annual fee, interest rates, and any supplementary card fees, to make informed decisions about its use. Additionally, maintaining responsible credit habits, such as making payments on time and managing your credit utilization, can help you maximize the benefits of your new credit card.

In-Branch

To apply for the Scotiabank® Scene+™ Visa* card at a branch, visit your nearest Scotiabank branch during their operating hours. Upon arrival, approach one of the bank’s representatives or customer service agents and express your interest in applying for the Scotiabank® Scene+™ Visa* card.

They will provide you with an application form to fill out, which will require your personal information such as your name, address, employment status, income details, and Social Insurance Number (SIN). Once you have completed the application form, return it to the bank representative along with any required documentation, such as proof of income or identification.

The bank may conduct a credit check to assess your creditworthiness as part of the application process. Be prepared to answer any additional questions the representative may have regarding your financial situation or credit history.

After submitting your application at the branch, the bank will review it and process it accordingly. If approved, you will receive your Scotiabank® Scene+™ Visa* card in the mail within a few business days. Once you receive the card, you can activate it following the instructions provided by Scotiabank and start using it to earn Scene+ points and access its benefits.

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