Scotiabank^® Scene+^™ Visa^* Card

Offer Description and Conditions: The 5,000 Bonus Scene+ Points Offer (the “Offer”) applies only to new Scotiabank Scene+ Visa credit card accounts (“Account”) opened between March 3, 2025 and October 31, 2025 and is subject to the below terms and conditions.

 

To be eligible for 2,500 bonus Scene+ points (the “2,500 Point Bonus”), you must have at least $250 in eligible purchases posted to your new Account in the first 3 months of the Account open date. To be eligible for an additional 2,500 bonus Scene+ points (the “Additional 2,500 Point Bonus”), you must have at least $1,000 in eligible purchases posted to your new Account in your first 3 months of Account open date. Eligible purchases include purchases (less any refunds, returns or other similar credits) but do not include payments, cash advances (including balance transfers or cash-like transactions), interest, fees or other charges.

The applicable point Bonus(es) will be credited to the Scene+ account within approximately 8 weeks after qualifying for a Bonus, provided the Account is open and in good standing. For Joint Accounts with a Primary Borrower and Co-borrower, the applicable point Bonus will be credited as follows: (i) the 2,500 Point Bonus and Additional 2,500 Point Bonus will be credited to the Scene+ account linked to the Account of the borrower that completed the last transaction to meet the qualifying amount of eligible purchases (i.e., $250 or $1,000) in the appropriate time frame (i.e., first 3 months). If a supplementary cardholder completes the last qualifying transaction to meet the qualifying amount of eligible purchases for the 2,500 Point Bonus or the Additional 2,500 Point Bonus, the applicable point Bonus will be credited to the Primary Borrower’s Scene+ account linked to the Account. Points can be transferred between Primary and Co-Borrower or Supplementary Cardholder’s Scene+ accounts by contacting Scene+. The Account is considered in good standing if it is not past due or over limit and the Cardholder(s) is not in breach of the Revolving Credit Agreement that applies to the Account.  All other terms and conditions of the Program Terms continue to apply during the Offer period.  Offer may be changed, cancelled or extended without notice at any time and cannot be combined with any other offers.

 

Eligibility and Exclusions: Individuals who are currently or were previously primary or secondary cardholders of a Scotiabank personal credit card in the past 2 years, including those that switch from an existing Scotiabank personal credit card, as well as employees of Scotiabank, are not eligible for the Offer. Subject to the above exclusions, Scotiabank business credit cardholders are also eligible for the Offer.

Rates and Fees: There is currently no annual fee for the primary card and no fee for each additional card (including those issued to co-borrowers and supplementary cardholders). The current preferred annual interest rates for the Account are: 20.99% on purchases and 22.99% on cash advances (including balance transfers and cash-like transactions).  All rates, fees, features and benefits are outlined in the Application Disclosure Statement and are subject to change.

Applicable on After Purchase only. Applies to eligible purchases of $250 or more (including taxes) for 3,6 or 12 month Deferred Payment Option (DPO) Plans on the Scotiabank Scene+ Visa Card only at Home Hardware, Home Building Centre, Home Hardware Building Centre, Home Furniture locations in Canada and online at homehardware.ca. No DPO Plan fee applies under this offer and interest does not accrue on eligible purchases converted to a Scotia SelectPay DPO Plan during the DPO Plan period. After the DPO Plan period ends, the then current regular annual interest rate on purchases will apply to any balance of the eligible purchase that remains unpaid.  If you choose to make a payment during the DPO Plan, it cannot be applied to the balance(s) of your choice and will be applied as set out in the Revolving Credit Agreement for the Card. DPO Plans are not available to Quebec residents. All features, rates and fees are subject to change. Other terms and conditions apply.

Applicable on After Purchase only. Scotia SelectPay installment plans available on eligible Home Hardware purchases made on your Scotiabank Scene+ Visa Card of at least $250 in Canadian dollars (including taxes). Other conditions apply.

For current rates and information on fees and interest, call 1-888-882-8958. Interest rates, fees and features are subject to change without notice. Learn more about credit card fees and credit card interest rates.

Other term durations may be available to you and if so, will be disclosed to you in our offer to you when you select your plan.

Regular Earn Rate: You are awarded one (1) Scene+ Point for every $1.00 in all purchases of goods and services charged to the Scotiabank Scene+ Visa Account (the “Account”).

 

Accelerated Earn Rates: You will earn accelerated earn rates on the following eligible purchases charged to the Account:

  

Grocery Stores

You are awarded two (2) Scene+ Points for every eligible $1.00 purchase made at Sobeys, Safeway, participating IGA, Foodland, Foodland & Participating Co-ops, FreshCo, Chalo! FreshCo, Thrifty Foods, Rachelle Béry, Les Marchés Tradition, Voilà by Sobeys, Voilà by Safeway and Voilà par IGA locations charged and posted to the Scotiabank Scene+ Visa Account. This list of eligible grocers may be changed from time to time without notice. See full list of participating merchants across Canada at scotiabank.com/participatingstores.

 

Home Hardware Stores 

You are awarded two (2) Scene+ Points for every eligible $1.00 purchase made at eligible Home Hardware, Home Building Centre, Home Hardware Building Centre, Home Furniture locations in Canada and online at homehardware.ca charged and posted to the Scotiabank Scene+ Visa Account. The list of eligible locations may be changed from time to time without notice.  See full list of eligible locations across Canada at scotiabank.com/participatingstores.

 

Cineplex

You are awarded two (2) Scene+ Points for every $1.00 purchase made at Cineplex theaters, the Cineplex App and online at cineplex.com charged and posted to the Account. 

 

Eligibility: Only purchases earn Scene+ Points. Cash advances (including Balance Transfers, and Cash-Like Transactions), fees, interest or other charges, returns, refunds or other similar credits to your Account do not qualify for Scene+ Points. Scene+ Points will not be posted to an Account that is not in good standing when purchases are made or when a statement is issued, or if the Account is not open when a statement is issued. See your Scene+ Points terms at www.scotiabank.com/sceneplus for full program details.

Scene+ points redeemed at any Participating Empire Location must be redeemed in increments of 1,000. See full list of participating merchants across Canada at scotiabank.com/participating stores.

All Scotiabank retail credit cards, except ScotiaLine Visa card, Scotiabank Value Visa card, and No-Fee Scotiabank Value Visa card, will have Visa payWave when issued or reissued. Visa payWave™ is a Trademark of Visa Int./Lic. User.

Apple Pay works with iPhone 6 and later in stores, apps, and websites in Safari; with Apple Watch in stores and apps; with iPad Pro, iPad Air 2, and iPad mini 3 and later in apps and websites; and with Mac in Safari with an Apple Pay enabled iPhone 6 or later or Apple Watch. For a list of compatible Apple Pay devices, see https://support.apple.com/km207105

Click to Pay is an online checkout solution provided by a third party that supports American Express, Mastercard and Visa cards and is based on EMV® SRC Specifications. The Bank of Nova Scotia is not responsible for this service.

The savings of up to 25% applies to Avis and Budget base rates and is applicable only to the time and mileage charges of the rental. All taxes, fees (including but not limited Air Conditioning Excise Recovery Fee, Concession Recovery Fee, Vehicle License Recovery Fee, Energy Recovery Fee, Tire Management Fee, and Frequent Traveler Fee) and surcharges (including but not limited to Customer Facility Charge and Environmental Fee Recovery Charge) are extra. The Bank of Nova Scotia is not responsible for, and provides no representations, warranties or conditions regarding this offer or any Avis or Budget products or services, including Avis Preferred Plus membership and services and those obtained under this offer, which are governed solely by Avis’ terms and conditions. Avis Preferred Plus membership and services are provided by Avis.

Trademark of The Bank of Nova Scotia.

Registered Trademark of The Bank of Nova Scotia

Scene+ and the Icon Design are trademarks of Scene Plus IP Corporation, used under license.

Visa Int./Licensed User

Trademark of Cineplex Entertainment LP, used under license.

As awarded by creditcardGenius on January 5, 2022.

As awarded on November 5, 2024 by votes cast in the RewardsCanada.ca Canada's Choice awards.

Scotia SelectPay Conditions apply. Review Terms and Conditions for full details or visit scotiabank.com/selectpay to learn more.

Scotia SelectPay plans available on eligible Home Hardware purchases made on your eligible Scotiabank credit card of at least $250 in Canadian dollars (including taxes). Applicable on After Purchase only. Other conditions apply.

Scene+ Members earn on average 3.7X more points with a Scotiabank Scene+ Visa Card. Based on a comparison over 12 months (from October 2022 to September 2023) of average Scene+ points earned by Scene+ members using a Scotiabank Scene+ Visa Card that earns Scene+ points on eligible purchases vs. average points earned by Scene+ members without an eligible Scotiabank Credit Card. Calculations for Scotiabank Scene+ Visa Cardholders includes regular earn rates and any applicable accelerated earn rates. Excludes any credit card welcome bonus offers.