The Scotiabank® Scene+™ Visa* Card is a versatile credit card designed for those who appreciate rewards and simplicity in their financial management. This card is particularly attractive for individuals who frequently shop at grocery stores, hardware stores, and love enjoying a movie night at Cineplex. With no annual fee and the ability to earn double points on every dollar spent at participating merchants, the Scene+ Visa Card is an excellent option for everyday use.

In this comprehensive guide, we will delve into the key features of the Scotiabank® Scene+™ Visa* Card, including its annual fee structure, credit limit determination, advantages, standout benefits, and potential drawbacks. We’ll also cover the eligibility criteria and the step-by-step process to apply for this card, whether online, via the mobile app, or in person at a branch.

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

How does the annual fee work?

However, there is no annual fee with the Scotiabank® Scene+™ Visa* Card one of the major attractions of the product. It is a pretty big advantage for cardholders that would like to have as many rewards as possible without thinking about yearly fees.

Since there is no yearly fee for the credit card it entails that you can benefit from all the features and incentives of the card without having to pay for this particular aspect. This makes the Scene+ Visa Card very recommending for people who are in the process of establishing the credit history or those who are just looking for an efficient and cheap way to perform their financial operations.

How is the credit limit determined?

Scotiabank® Scene+™ Visa* Card involves credit limit that is calculated depending on the credit score, income and other aspects. When you apply for the card there is an approval followed by the determination of the right amount that Scotiabank should allow you to spend when using the card on the basis of the credit check.

The credit limit of this card starts from $500, but depending on your established financial potential, you can be offered a higher amount. A good credit score and history of successfully handling credit and exhibiting a constant income stream can lead to a higher amount of credit limit.

On the other hand, the applicant, who might have lower credit score, or unpredictable income, might start with lower limit, but the possibility to increase this limit within certain period of time, will be given if the client will use the credit card properly.

Advantages of the Scotiabank® Scene+™ Visa* Card

The Scotiabank® Scene+™ Visa* Card offers a range of advantages that cater to different lifestyle needs and preferences. Here are some of the notable benefits:

• No Annual Fee: Enjoy all the benefits of the card without any annual cost.
• Earn Scene+ Points: 2 points per dollar at participating grocery stores, hardware stores, and Cineplex; 1 point per dollar on all other purchases.
• Flexible Payment Options: Scotia SelectPay™ allows you to pay off eligible purchases with low interest rates and no installment fees.
• Special Offers: Earn up to 5,000 bonus Scene+ points within your first three months.
• Supplementary Cards: Add additional cardholders to your account at no extra cost.
• Car Rental Discounts: Save up to 25% off base rates at participating AVIS and Budget locations in Canada and the U.S.

Standout feature: Scene+ Points Program

The Scene+ Points Program is the highlight of the Scotiabank® Scene+™ Visa* Card. This program allows you to earn and redeem points for a variety of rewards, including travel, dining, shopping, and entertainment.

Disadvantages

While the Scotiabank® Scene+™ Visa* Card has many benefits, it’s essential to consider some potential drawbacks:

• High Interest Rates: 20.99% on purchases and 22.99% on cash advances.
• Limited Insurance Benefits: The card does not offer extensive insurance coverage compared to some other credit cards.
• Points Expiry: Scene+ points may expire if there is no account activity for an extended period.

Main drawback: High Interest Rates

One of the main disadvantages of the Scotiabank® Scene+™ Visa* Card is its relatively high interest rates. With a purchase interest rate of 20.99% and a cash advance rate of 22.99%, carrying a balance on this card can become expensive. It’s crucial for cardholders to pay off their balances in full each month to avoid accruing interest charges.

Who can apply for the Scotiabank® Scene+™ Visa* Card?

To apply for the Scotiabank® Scene+™ Visa* Card, you need to meet specific eligibility criteria:

• Age: Must be at least 18 years old (or 19 in some provinces).
• Residency: Must be a Canadian resident.
• Credit History: A fair to good credit score is typically required.
• Income: Proof of a steady income is necessary.
• ID Verification: Must provide valid identification and proof of address.

This card is not specifically designed for individuals with poor credit history, so maintaining a good credit score is beneficial for approval.

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

Online

• Visit the Scotiabank Website: Scotiabank credit card application link:
• Fill Out the Application: Give your personal information, job information and other financial data about yourself.
• Submit the Application: Check and finalize your application. Wish you good luck your answer may be instant, or you may be asked additional questions through a phone call or email.

Mobile App

• Download the Scotiabank Mobile App: Compatible with iPhone and iPad since it is not ware of Google Play Store.
• Log In or Create an Account: Go to the account already in use or start a fresh account.
• Navigate to Credit Cards: Choose the Scotiabank® Scene+™ Visa* Card and completing the application process.

In Person

• Find a Local Branch: To find Scotiabank branch, it is recommended to use the branch locator on this site.
• Schedule an Appointment: Online booking or call us.
• Visit the Branch: Package necessary documents including identification, proof of income and documents that prove your residential status.
• Complete the Application: Complete the application with an assistance of a bank officer.

To open a Scotia from Scotiabank application for the Scotiabank® Scene+™ Visa* Card, it can be done at your own time and using your most convenient method through the website, the app or physically.