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SCENE® + Visa Card
Credit cards

SCENE® + Visa Card

Updated 01.12.2022

About SCENE® + Visa Card

A SCENE® + Visa Card is a credit card with regular interest rates and extensive reward-earning opportunities. A zero annual fee and a minimum credit limit of $500 make this credit card an affordable solution.

Occasionally, Scotiabank announces special offers for a SCENE® + Visa Card. With such special offers, new applicants can earn Scene+™ reward points at an accelerated rate if they meet the minimum spending requirements within a given timeframe.

SCENE® + Visa Card features

A SCENE® + Visa Card provides an interest rate of 19.99% on purchases and 22.99% — on cash advances. There is no annual fee for using this credit card, and issuing supplementary cards is free of charge. The minimum credit limit with a SCENE® + Visa Card is $500.

Every dollar spent on eligible purchases with your SCENE® + Visa Card will bring you 1 Scene+™ reward point. Every dollar spent on purchases at Cineplex theaters or cineplex.com will bring you 5 Scene+™ reward points. You can further redeem the reward points you have earned towards a variety of options, such as:

  • Purchases at participating grocery stores

  • Tickets, food, and drinks at participating movie theaters

  • Travels from Scene+ Travels

  • Gift cards and merchandise at participating retailers

  • Meals and drinks at participating dining locations

  • Games, food, music, and tickets at the Rec Room and Playdium

  • An account credit to participating Scotiabank debit and credit cards

  • Purchases at participating pharmacies

With a SCENE® + Visa Card, you can save up to 25% off base rates when paying for car rentals at participating AVIS and Budget locations in Canada and the U.S.

A SCENE® + Visa Card qualifies for the SelectPay™ credit card payment solution. 

With this solution, you can split your outstanding balance of $100 or more into 3, 6, or 12 fixed monthly installment payments with a total 2% fee and zero interest applied to your payment plan.

Pros and cons 

Here are the advantages of a SCENE® + Visa Card:

  • A zero annual fee 

  • Free supplementary card issuance 

  • Interest-free grace period

  • Scene+™ reward-earning opportunities 

  • Saving on car rentals at AVIS and Budget locations 

  • Eligibility for Scotia SelectPay™

The significant disadvantages are:

  • No benefits from Visa included 

  • No insurance coverages included

  • Minimum annual income requirements to apply

How to apply for a SCENE® + Visa Card

You can apply for a SCENE® + Visa Card online, in person at your local Scotiabank branch, or by phone. 

For an online application, click the “Apply now” button next to the credit card description. If you are a Scotiabank client already, sign in to your online banking account and proceed with a shorter version of an application form. Otherwise, hit the “Start your application” button and fill out the online application form with the following details:

  • Your title

  • Your first name

  • Your last name

  • Your date of birth

  • Your social insurance number (optional)

  • Your email

  • Your phone number

  • Your home address

  • Your employment status (including your field of work or industry, job title, employer, and employer’s phone number)

  • Your annual employment income

  • Your other annual income

  • Your monthly housing expenses

Review the provided information and click the “Continue” button. Next, create a PIN and choose a secret word. Then, specify if you want to make your account paperless, add a supplementary cardholder, or apply for creditor insurance coverage. Once you do, agree with the terms and conditions and click the “Continue” button.

Applying for a SCENE® + Visa Card requires you to have a minimum annual personal income of $12,000.

Can I add any insurance coverages to my SCENE® + Visa Card?

Scotiabank offers to add Scotia credit card protection to your SCENE® + Visa Card. This type of insurance provides coverage for your outstanding account or your regular credit card payments when unexpected life events happen. 

Can I cancel my Scotia SelectPay™ plan?

You can cancel your Scotia SelectPay™ through the Scotia app at any time, with no penalties. Once you do, you won’t have to pay the remaining monthly installment fees. Scotiabank will transfer the remaining outstanding installment balance to your Scotia credit card account balance.

How do I track my Scene+™ reward points balance?

There are several ways to keep track of your Scene+™ reward points balance:

  • Through your Scotiabank online banking account

  • Through the Scotiabank mobile app

  • Through the Scene+ mobile app 

  • Through your Scene+ website account

Rate
i

Effective interest rate on the product

19.99% - 22.99%

Other Credit cards of Scotiabank

Financial product
Amount
Rate
20.99% - 22.99%

Top offers of the February 2023

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