The Scotiabank Scene+ Visa Card is a no-fee rewards card built around Scene+, Scotiabank’s shared points program with Cineplex, Sobeys, and other partners. It earns 1 point per dollar on regular purchases and 2 points per dollar at grocery stores, Home Hardware, and Cineplex, with no annual fee to hold it.
Because Scene+ points work across movies, groceries, and travel redemptions, this card suits people who already collect Scene+ points from other sources and want a credit card that keeps adding to the same balance.
New cardholders can also earn up to 5,000 bonus Scene+ points in the first three months by hitting two spending thresholds, on top of the card’s standard earn rates.
Who This Card Makes Sense For
This card is a good fit if you:
- Already collect Scene+ points through Cineplex, Sobeys, or other partner brands
- Want a no-fee card without giving up points earning on groceries
- Are a new Scotiabank credit card customer, since existing or recent cardholders don’t qualify
- Can meet the welcome offer’s spending thresholds in the first three months
It’s a weaker fit if you:
- Have held a Scotiabank personal credit card in the past two years, since that makes you ineligible for this offer
- Don’t use Cineplex, Sobeys, or other Scene+ partners regularly, since the 2x rate mostly rewards those categories
- Want a card with built-in travel insurance or purchase protection, since those aren’t part of this no-fee card’s benefits
Eligibility and Documents Needed
Scotiabank doesn’t publish a minimum income figure for this card on its main product page. To qualify for the current welcome offer, you need to be a new cardholder — meaning you don’t currently hold, and haven’t held in the past two years, a personal Scotiabank credit card. Scotiabank employees aren’t eligible either.
During the online application, Scotiabank asks for standard details: your employment, your annual income, and where you live. The card carries a minimum credit limit of $500.
How to Apply
Scotiabank says the online application takes about 15 minutes. You can also apply by booking an appointment with an advisor if you’d rather walk through the details in person. Scotiabank doesn’t publish a specific approval or card delivery timeline on the main product page.
Fees and Conditions
The numbers that matter most:
- Annual fee: $0
- Additional cardholder fee: $0
- Purchase interest rate: 21.99%
- Cash advance rate: 22.99%
Scotiabank’s official page doesn’t disclose a specific foreign transaction fee for this card — check your cardmember agreement or account disclosure for that figure before relying on this card for purchases abroad.
Scene+ points build up at different speeds depending on where you shop:
- 1 point per $1 on regular purchases
- 2 points per $1 at grocery stores like Sobeys and IGA
- 2 points per $1 at Home Hardware locations
- 2 points per $1 at Cineplex
- Extra points on hotel and car rental bookings through Scene+ Travel
Because there’s no annual fee, there’s no break-even math to work out — every point earned is straightforward upside, which makes this card an easy add for anyone who already redeems Scene+ points regularly.
The card includes Scotia SelectPay, which lets you convert purchases of $100 or more into fixed installments, along with savings of up to 25% off base rental rates at Avis and Budget, and Visa’s Zero Liability policy for unauthorized transactions. It doesn’t come with the travel insurance package found on Scotiabank’s premium travel cards.
Scotiabank also offers an optional add-on called Scotia Credit Card Protection, which can cover your minimum payments or pay off your balance if certain unexpected life events happen. It’s not included by default and comes at an extra cost, so weigh whether you need it against what similar coverage costs elsewhere.
Cash advances are available at more than a million ABMs worldwide, which matters if you occasionally need cash while travelling, though cash advances are charged the higher 22.99% rate from the day of the transaction rather than getting a grace period like regular purchases.
Frequently Asked Questions
Can I get this card if I already have a Scotiabank credit card?
The welcome offer requires that you don’t currently hold, and haven’t held in the past two years, a personal Scotiabank credit card.
How much is the welcome bonus worth?
Up to 5,000 bonus Scene+ points in the first three months: 2,500 points for the first $250 spent, and another 2,500 points after $1,000 in total purchases.
Is there an annual fee for additional cardholders?
No. Both the primary card and supplementary cards carry a $0 annual fee.
Does this card charge a foreign transaction fee?
Scotiabank’s main product page doesn’t disclose a specific figure. Check your cardmember agreement for the exact foreign currency conversion terms before making purchases abroad.
What’s the minimum credit limit on this card?
$500. Your actual limit will depend on your credit profile and income at the time of application.
