Rewards
Base earn rate1 Scene+ point per $1 spent on all other eligible everyday purchases
ProgramScene+
Welcome bonusEarn up to 5,000 bonus Scene+ points within your first 3 months
Rewards typepoints
Fees & rates
Annual fee$0
Purchase interest rate19.99%
Cash advance rate22.99%
Foreign transaction fee2.5% (typical)
Standout perks
⭐
Save up to 25% off base rates at participating AVIS and Budget locations in Canada and the U.S.
up to 25% discount
💳
Apply Scene+ Points to Travel - redeem points towards eligible travel purchases charged to Scotiabank credit card within 12 months of travel purchase
⭐
American Express Invites - access to exclusive music, theatre, dining, film, fashion and shopping experiences
⭐
Contactless payment and mobile wallet support
Everyday features
📱 Apple Pay & Google Pay
🔒 Zero-liability fraud protection
📶 Tap to pay
🛒 Purchase security
✈️ Airport lounge access
Insurance coverage
🛡️
mobile device
up to $500
🛡️
purchase protection
up to original purchase price or repair/replacement cost
🛡️
extended warranty
up to original purchase price or repair/replacement cost
Eligibility
Minimum personal income$15,000
Credit score guidanceGood (660+)
ResidencyCanadian resident