Below is a concise guide to the key features, eligibility requirements, and application steps for the Scotiabank Scene+ Visa Card. The information highlights rewards, fees, and what to check before applying.
| Issuer / Bank | Scotiabank |
| Type of reward | Scene+ points |
| Cashback rate | 1 Scene+ point per $1 on general purchases; 2 Scene+ points per $1 at Scene+ grocery stores, Home Hardware and Cineplex; up to 4x Scene+ points per $1 with Scene+ Travel on hotels, car rentals and activities; 1 Scene+ point per $1 on other eligible purchases |
| Annual fee | $0 (No annual fee) |
| CAT | 20.99% (purchases); 22.99% (cash advances and balance transfers) |
| Minimum income | $12,000 (personal income); $12,000 (household income) |
| Network / Tier | Visa |
Rewards & Cashback
The Scotiabank Scene+ Visa Card earns Scene+ points on purchases. The base earning rate is 1 Scene+ point per $1 on general purchases. Higher earning rates apply in specific categories.
Category-specific earning rates include 2 Scene+ points per $1 spent at Scene+ grocery stores (examples: Sobeys, Safeway, IGA, Foodland, FreshCo and participating co-ops), 2 Scene+ points per $1 at Home Hardware (including Home Building Centre and Home Furniture) and 2 Scene+ points per $1 at Cineplex locations.
Additional earning is available through Scene+ Travel, where bookings for hotels, car rentals and activities may earn up to 4x Scene+ points per $1. Other eligible purchases earn 1 Scene+ point per $1.
Fees & CAT
The card has no annual fee at $0, making it suitable for low-cost credit access. Interest rates are specified as follows: 20.99% for purchases, and 22.99% for cash advances and balance transfers.
Interest charges apply when balances are not paid in full by the statement due date. The CAT values above describe the cost of credit associated with different transaction types.
Eligibility & Requirements
Minimum income requirements are listed as $12,000 for personal income and $12,000 for household income. No additional documentation fields were provided in the available data.
Applicants should confirm current eligibility criteria and required documents with the issuer before applying, as credit decisions and documentation requirements can vary.
Benefits & Perks
- Welcome bonus: up to 10,000 Scene+ points after a minimum spend.
- No annual fee, helping to keep ongoing costs low.
- Higher rewards at everyday merchants: groceries, Home Hardware and Cineplex.
- Scene+ Travel benefits, including up to 4x points on hotel, car rental and activity bookings.
- Contactless payments via Visa payWave and compatibility with Apple Pay.
Drawbacks / What to Watch Out For
While the card has no annual fee, interest rates are moderate; unpaid balances will incur interest at 20.99% for purchases. Cash advances and balance transfers carry a higher rate of 22.99%.
Rewards are issued as Scene+ points, which require familiarity with the Scene+ program and redemption options. Bonus earning categories are specific, so spending outside those categories earns at the base rate.
How to Apply
An application link for the Scotiabank Scene+ Visa Card is available here: Apply for the Scotiabank Scene+ Visa Card. The link points to the official application resource provided in the card data.
Before applying, confirm the most recent terms and conditions with the issuer and ensure that minimum income and other eligibility criteria are met.