Scotiabank® Scene+™ Visa* card is generally a very good credit card with a lot of features that you can use in your daily life. It does not have an annual fee and has an exciting rewards program; this credit card doubles the Scene+ points on purchases made at certain stores like Sobeys, Safeway, Foodland, Home Hardware, and Cineplex.

Consumers of credit cards are at a position to gain many advantages while conducting their daily operations without straining in the process. The Scotiabank® Scene+™ Visa* card is suitable for those who want to use a credit card with multiple purchases and at the same time preserve the credit history.

It allows for the buying of resources by installment hence you do not have to make a lump sum payment on the first of every month, secondly, the offers the best welcome bonus to make sure that the new card holder begins earning bonuses immediately they begin to spend.

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

The Scotiabank® Scene+™ Visa* card is an exceptional and user-friendly card specifically for the consumers. To add to this, for each dollar spent at Sobeys, Safeway, Foodland, Home Hardware, and Cineplex; cardholders receive double the Scene+ points.

Also, in terms of sign-up bonus, the card provides up to 5,000 Scene+ points in the first 3 months of cardmembership; thus, suitable for cardmembers who are attracted with bonus points offers.

How does the annual fee work?

This card has been designed to incorporate several features of benefit to the client including zero annual fee. This implies that card holders gets all the edge, privileges and bonuses of the particular card without having to factor an extra yearly fee. It also has no annual fee and this makes it even more appealing for people who shun any additional costs that accompanies credit cards usage but take advantage of using the card.

How is the credit limit determined?

The credit limit of scotiabank scene plus visa card depends with the score of the applicant who is applying for a card. Financial profile of the applicant incl. , credit record, current earnings, existing lendings are taken into account in the application. The minimum credit limit which has been provided for this card is $500 to accommodate a large number of customers.

Credit card benefits 

• Double points at select retailers: Earn 2 Scene+ points for every $1 spent at Sobeys, Safeway, Foodland, Home Hardware, and Cineplex.
• No annual fee: Enjoy all the card’s benefits without an additional yearly cost.
• Flexible payment plans: Utilize the Scotia SelectPay™ program to manage larger purchases with low-interest installment plans.
• Supplementary cards: Add additional cardholders to your account at no extra cost.
• Car rental discounts: Save up to 25% on car rentals at participating AVIS and Budget locations.
• Convenient payment options: Use your card for tap-and-go payments or add it to your mobile wallet for even more convenience.

Scene+ rewards program

The highlight of the Scotiabank® Scene+™ Visa* card is its Scene+ rewards program, which is quite developed. Transaction made at specific centres and outlets with the provision of Scene+ card entitles the cardholder to 2 Scene+ point for every dollar spend and 1 Scene+ point for every $1 spent on other qualifying purchases.

The points that are awarded here can be used in traveling, eating out, shopping and a host of other activities. That is why the rapid accrual of points and the freedom in choosing their use makes the Scene+ program a major value added for cardholders.

Disadvantages

• High-interest rates: The card comes with an interest rate of 20.99% on purchases and 22.99% on cash advances, which can be costly if balances are not paid off in full.
• Limited insurance benefits: Unlike some other credit cards, this card does not offer extensive insurance coverage.
• No cash back rewards: The card focuses on points rather than cash back, which may not suit everyone’s preferences.

High-interest rates

The first weakness of the Scotiabank® Scene+™ Visa* card is that it charges relatively high interest rates than other credit cards. Payments with a fixed 99% rate on purchases and a 22. At a 99% rate on cash advances, it is easy to turn an outstanding balance into a very costly option. This makes it necessary for card holders to clear their balances after the due date each month to protect themselves from being charged unduly high interests.

Who can apply for this card?

To apply for the Scotiabank® Scene+™ Visa* card, applicants must meet certain criteria:

• Identification: Valid identification and Social Insurance Number (SIN) are required during the application process.
• Minimum age: Applicants must be at least 18 years old, or the age of majority in their province or territory.
• Credit history: A good credit history is typically required, indicating responsible management of previous or existing credit accounts.
• Income requirements: While there is no specific minimum income requirement, applicants must demonstrate a stable income to support their ability to repay the credit.
• Residency: Applicants must be Canadian residents.

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

Through the website

Applying for the Scotiabank® Scene+™ Visa* card online is a simple and convenient process. To begin, visit the official Scotiabank website and navigate to the credit cards section. Use the search bar to quickly find the specific page for the Scotiabank® Scene+™ Visa* card.

On the card’s page, click the “Apply Now” button to start the application process. This will take you to an online application form where you will need to provide various personal and financial details. The application form requires detailed information, including your full name, date of birth, residential address, and contact details.

You will also need to provide employment information, such as your employer’s name, job title, length of employment, and annual income. Additionally, the form will ask for details about your current financial obligations, such as mortgages, loans, and other credit cards. Ensure that all information provided is accurate and complete to avoid delays in the approval of your card.

After filling out the form, carefully review all the information before submitting it. Once reviewed, click the “Submit” button to complete your application. Scotiabank will review your application, which may take a few days.

If approved, you will receive your new Scotiabank® Scene+™ Visa* card by mail, along with instructions on how to activate it. By following these steps, you can quickly start enjoying the benefits and rewards of this versatile and no-fee card.