The Scotiabank Scene+™ Visa* Card is not just another credit card; it’s your ticket to an enhanced lifestyle filled with rewards and convenience. Designed for individuals who value efficiency and perks, this card is an ideal companion for everyday spending. Whether you’re picking up groceries, enjoying a movie, or tackling a home improvement project, the Scene+™ Visa* Card ensures that every purchase counts toward exciting rewards.

With its unique features, including the absence of an annual fee and the ability to earn double points on select purchases, this card seamlessly combines practicality and value. Whether you’re new to credit cards or looking to expand your financial toolkit, the Scotiabank Scene+™ Visa* Card offers a compelling blend of benefits tailored to your lifestyle.

Main features of the Scotiabank Scene+™ Visa* Card

How does the annual fee work?

One of the card’s most attractive features is its no-annual-fee policy. This is a significant benefit for those who want to enjoy rewards without worrying about additional costs. Unlike other cards that charge annual fees ranging from $50 to over $200, the Scene+™ Visa* Card lets you focus on earning rewards and enjoying its perks without paying anything extra.

This feature is particularly valuable for budget-conscious individuals and first-time credit card users. By eliminating annual fees, Scotiabank ensures that all your rewards directly contribute to your financial and lifestyle goals. Whether you’re earning Scene+ points or taking advantage of flexible payment plans, you won’t need to calculate whether the annual fee outweighs the benefits.

How is the credit limit determined?

The credit limit on the Scotiabank Scene+™ Visa* Card varies depending on several factors, including your income, credit score, and overall financial profile. The minimum credit limit starts at $500, but Scotiabank may assign a higher limit based on your financial standing.

For new credit users, this card provides an excellent opportunity to establish and build a solid credit history. By consistently paying at least the minimum amount due on time, you can improve your creditworthiness and potentially qualify for a credit limit increase over time. Scotiabank also offers tools to help you monitor your spending and manage your credit responsibly, ensuring that the card remains a helpful financial tool rather than a burden.

Benefits of the Scotiabank Scene+™ Visa* Card

The Scotiabank Scene+™ Visa* Card offers a robust lineup of benefits that cater to various spending habits. Here’s an overview of what makes this card exceptional:

• Rewarding everyday spending: Earn 2 Scene+ points for every $1 spent at Sobeys, Safeway, Foodland, and other grocery stores. Double points also apply to purchases at Home Hardware stores and Cineplex theatres.
• Flexible payment plans: With the Scotia SelectPay™ feature, you can convert eligible purchases of $100 or more into installment payments with low interest and no fees.
• Exclusive discounts: Cardholders save up to 25% on car rentals at participating AVIS and Budget locations in Canada and the U.S.
• Convenient digital features: Add your Scene+™ Visa* Card to your mobile wallet for quick, contactless payments.
• No-cost supplementary cards: Share the benefits of your account with family or friends by adding supplementary cardholders without extra fees.
• Effortless checkout: Tap to pay for quick and secure transactions, whether using your card or smartphone.

A standout feature: the Scene+™ rewards program

The Scene+™ rewards program is where the Scotiabank Scene+™ Visa* Card truly shines. With over 1,100 eligible grocery stores across Canada participating, including Sobeys, Safeway, and Foodland, you’ll earn 2X the Scene+ points on every dollar spent. Points can be redeemed for travel, dining, and more, making this program a versatile and valuable asset for cardholders.

Disadvantages

While the Scotiabank Scene+™ Visa* Card shines in many areas, it’s essential to weigh its potential downsides:

• High interest rates: Purchases are subject to a 20.99% APR, while cash advances have an even higher rate of 22.99%.
• Limited insurance coverage: The card doesn’t include extensive insurance benefits, such as travel or purchase protection, which are common in premium credit cards.
• No cashback option: If you prefer cash rewards over points, this card may not meet your preferences.

A key drawback: interest rates

The relatively high interest rates can be a drawback for those who carry a balance. It’s crucial to pay off your balance in full each month to avoid additional costs and fully enjoy the rewards.

Who can apply for this card?

The Scotiabank Scene+™ Visa* Card is accessible to a wide range of applicants, but specific eligibility requirements must be met:

• Minimum age: Applicants must be at least 18 years old (19 in certain provinces).
• Creditworthiness: A good credit history is essential to qualify for this card.
• Income stability: While there is no explicit income threshold, applicants should demonstrate financial stability.
• Residency: You must reside in Canada and provide valid identification during the application process.

Scotiabank also considers applications from newcomers to Canada, offering tailored options for individuals who may not have an established credit history.

How to apply for the Scotiabank Scene+™ Visa* Card

Scotiabank offers three convenient ways to apply for the Scene+™ Visa* Card: online, via the mobile app, or in person at a branch.

Via the website

To apply online, visit Scotiabank’s official website and navigate to the Scene+™ Visa* Card page. Click on the “Apply Now” button and complete the application form. Be prepared to provide personal information, such as your income and employment details. The online process is quick, and you’ll receive a response promptly.the applica

Through the mobile app

For a seamless application experience, download the Scotiabank app from your device’s app store. Log in or create a new account, then follow the prompts to apply for the Scene+™ Visa* Card. The app also lets you track your application status in real time.

At a branch

If you prefer personalized assistance, visit your nearest Scotiabank branch. Schedule an appointment with an advisor who can guide you through the application process, answer questions, and provide tailored recommendations based on your financial needs.