Scotiabank Scene+ Visa: Scene+ points with no annual fee
The Scotiabank Scene+ Visa Card is a no-annual-fee credit card that earns Scene+ points on everyday spending in Canada. It’s built around the Scene+ program, where you can redeem points for rewards such as movies, groceries, dining, travel and account credits.
The card can be used wherever Visa is accepted, in stores and online.
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This card is meant for people who want a simple points system connected to regular purchases. You earn 2 Scene+ points per $1 at eligible grocery stores (such as Sobeys, Safeway, Foodland and FreshCo), at Home Hardware and at Cineplex, plus 1 point per $1 on all other eligible purchases.
You can then choose how to use your points in the Scene+ program. Keep in mind that the value of your points depends on how you redeem them.
Scotiabank is the issuer of this card. Approval depends on Scotiabank’s credit review, and the minimum credit limit is $500.
Because it’s a credit product, interest applies if you don’t pay your balance in full by the due date. Paying your statement balance in full each month helps you avoid the 21.99% purchase interest rate.
It’s also useful to understand the card’s rates and fees before you apply, so you know what costs may apply in different situations.
Pros and Cons of the Credit Card
Pros:
- Earn 2 Scene+ points per $1 at eligible grocery stores, Home Hardware and Cineplex, plus 1 point per $1 elsewhere;
- No annual fee ($0) for both primary and supplementary cards;
- Minimum credit limit of $500;
- Get up to 10¢ per litre in value at Shell when you link your card to Shell Go+, and save up to 25% off base rates at participating Avis and Budget locations in Canada and the U.S.
Cons:
- The card doesn’t include insurance coverage, such as purchase protection, extended warranty or travel insurance;
- The 21.99% purchase interest rate applies to unpaid balances;
- A 2.5% foreign transaction fee applies to purchases in foreign currencies;
- Points are worth less when redeemed for account credits (3,000 points for $20) than for travel or groceries (10,000 points for $100).
Credit Card Fees and Charges
The Scotiabank Scene+ Visa Card has no annual fee. Scotiabank lists a minimum credit limit of $500 for this card, and supplementary cards cost $0 per year.
Scotiabank lists a purchase interest rate of 21.99% and a cash advance rate of 22.99%. The cash advance rate applies to cash advances, balance transfers and cash-like transactions. Interest on cash advances is charged from the transaction date until the balance is paid in full, with no grace period.
Other fees can apply depending on how you use the account. For example, an overlimit fee of $29 may apply if your balance exceeds your credit limit. See Scotiabank’s credit card fees page for the full list.
For purchases in foreign currencies, a 2.5% conversion fee is added to the converted amount.
Reviewing your credit agreement and disclosure statement is the best way to confirm all applicable fees before travelling or making international purchases.
Rates and fees checked on September 22, 2026, against the official Scotiabank website. Confirm current terms on the Scotiabank website before applying.
About Scotiabank
Scotiabank, officially known as The Bank of Nova Scotia, is one of Canada’s major banks. It offers personal and business banking services, including chequing and savings accounts, loans, investments and credit cards. Customers can manage their accounts through branches, online banking and the mobile app.
Scotiabank offers several credit cards with different fees, rates and features. The Scene+ Visa Card is one of its no-annual-fee options connected to the Scene+ rewards program.
Terms can vary by card and may change over time, so it helps to review the current official details when you apply.
Application
You can apply for the Scotiabank Scene+ Visa Card online or by booking an appointment with a Scotiabank advisor. Scotiabank says the online application takes about 15 minutes and includes questions about your job, your yearly income and where you live.
Scotiabank reviews your application as part of its credit assessment process. Approval depends on the bank’s evaluation, and your final credit limit is set by Scotiabank if you’re approved.
Once you receive your card, you can activate it online or by making an in-store purchase with your PIN. You can then start using it and earning Scene+ points according to the program rules and the card’s terms.
Why Apply for This Credit Card?
There are a few reasons someone may apply for the Scotiabank Scene+ Visa Card. The main one is that it has no annual fee, which keeps yearly costs low. Another is that it earns 2 Scene+ points per $1 at eligible grocery stores, Home Hardware and Cineplex, which you can later redeem for rewards in the Scene+ program.
The card suits people who want a basic rewards card and plan to pay their statement in full, since a 21.99% interest rate applies if you carry a balance. If you want built-in insurance or prefer cash back, you may want to compare other cards.
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Legal Disclaimer: This website is independent and purely informational, and its content does not constitute financial advice. Finvyu is not affiliated with Scotiabank. We do not guarantee credit approval or card issuance, which are subject solely to the risk analysis of The Bank of Nova Scotia (Scotiabank). Finvyu Editorial Team.