Scotia Scene Visa Credit Card Review

Sign Up Bonus Points
minimum spend of $500 in the first 3 months
Sign Up Cash Value
Annual Fee
Purchase Interest Rate
Min Personal Income Required
Recommended Credit Score
740 850 670 739 580 669 0 579
Earn 2,500 bonus points with your first $500 in everyday purchases in first 3 months*.

The Scotia Scene Visa Card is one of the most compelling no annual fee credit cards in Canada for those looking to earn and redeem their rewards frequently, without having to spend a fortune on their credit cards.

The Scene credit card is ideal for those who like redeeming their points to go to the movies, and want a high earn rate without an annual fee. The Scene Visa card also stands out with a low income requirement (ideal for students), and a sign-up bonus offer of *2 free movies (with $500 in everyday purchases within the first three months), which is rare for a no annual fee credit card.

Our feeling is, if you like redeeming for movies and you want to be able to redeem points quickly and frequently without spending tons, the Scene Visa card is one of the best values in Canada today. It’s an ideal credit card option for those who want to earn rewards they can actually use, without having to spend fortunes on their credit cards, and who may not have 6-figure incomes (yet!).

Scotia Scene Visa Credit Card Review:

  1. Sign-up Bonus: Get *2500 points, the equivalent of 5 free movies, when you make $500 worth of purchases in the first 3 months. That’s an easy, risk free way to get to the theatre free. What’s the downside with an offer like that?
  2. No Annual Fee: As we discussed, most credit cards offering the equivalent of 1% of value per dollar spent have an annual fee. This card has no annual fee and its accelerated earn rate is the equivalent of about 6.5%!
  3. Generous Rewards: The Scene Visa card earns you 5 points per dollar spent at Cineplex Odeon theatres (Cineplex, Scotiabank theatres, Famous Players, SilverCity, Galaxy, Cinema City, etc..)  and 1 point everywhere else.
  4. Low Redemption Threshold: We like that you can redeem for movies, music and other items for as low as 1,000 points with the Scotia Scene Visa card. Many people get excited at the prospect of travelling for free with the right rewards card. But consider that you may have to spend upwards of $25,000-$35,000 annually on those travel cards to generate enough points for one return ticket to Florida from Canada. That’s unrealistic for those of more limited financial means.
  5. Points Don’t Expire:We all know the tricks some issuers and loyalty programs play. No smoke and mirrors here. You earn your points and keep them, unless you fail to use your account for two years.

The Scotia Scene Visa Card is a great card for people who love the movies, people who don’t spend a lot on their credit cards (less than $10,000 per year), students and those who want to be able to redeem for rewards early and often without having to spend a fortune. We love that the card has no annual fee and offers more value per dollar spent than just about any other no-fee card in the Canadian marketplace.

Give it a shot, if for no other reason than getting free movies, completely risk free.

*This is a statement from Scotia regarding the promotion: To be eligible for the 2,000 bonus points offer (the “Offer”), you must have at least $500 in net purchases (purchases less returns, refunds or other similar credits) posted to your SCENE Visa account (“Account”) in the first 3 months from the Account open date. The bonus points will be awarded within 2-3 business days of the completion of the $500 in purchases. Only one welcome bonus is awarded per SCENE Visa Account. In cases where both the primary and supplementary cardholders are SCENE members, the bonus points will be credited to the SCENE membership account that has been connected to the SCENE visa card. Offer applies to a new Account only opened by October 31, 2018 (the “Offer End Date”). Former or current Scotiabank credit cardholders that transfer from an existing Scotiabank credit card account or re-open a closed Scotiabank credit card account are excluded from this Offer. Offer may be changed or extended and cannot be combined with any other offer. Offer not applicable to SCENE Student Visa card.

Article comments

SS says:

This card is no longer worthy since every movie requires 2000 points now. So you have to spend 2000 dollars for a movie ticket. Pretty sure you can do the math and find out this is a trash program.

The GreedyRates Team says:

Hey SS!

Thanks for coming to GreedyRates and giving your opinion on the new SCENE Visa model by Scotiabank. First, we’ll have to correct you on your claim that a movie ticket now costs 2,000 SCENE points—this only applies to the Enhanced movie ticket category (IMAX, Ultra-AVX etc.), while regular tickets cost 1,250 up from 1,000. This does make it more expensive, relatively, to get a movie ticket using your SCENE points, but remember that you’re also earning more SCENE points on your purchases under the new system. The increase to earnings on tickets matches the redemption increase (25%) as well, so it shouldn’t be too contentious among SCENE fans.

The bad part comes in when you consider that everyday earnings on things outside of the theatre are being devalued, because you’re still earning the same number of points despite a higher redemption minimum. Also relevant is the devaluation concerning food and drink, but specifically the non-combo items. While you’re earning MORE on combos now and have the same redemption (value increase!) the opposite happens when you purchase non-combo food items. Essentially, you’ll have to look at these changes through a lens of your own movie-going habits. Do you always go to the IMAX and prefer buying á la carte food items? In this case you may not want to keep the card. Good luck!


Angie says:

This is the dumbest question but, do you get a seperate card? I currently have a debit Visa and I’m wondering if I just use the card I have or does Scotia send a new seperate card from my debit?

The GreedyRates Team says:

Hey Angie!

Thanks for your interest in the SCENE program. You can sign up online and get a membership without owning any Visa cards whatsoever, and merely use the app in your movie theater of choice to redeem or earn rewards. That said, it is easier and a much more fluid, lucrative experience when your SCENE Visa is attached to your account. Go sign up online and you’ll see how easy it is. Good luck!


Scene/Scotia/Cineplex are scammers says:

Was happy with Scotia scene up to recently. Then Scene (aka cineplex and scotia) sent me email saying they will effectively devalue 25% of my built up points by manipulatively increasing the amount of points necessary to buy a ticket by 25%. Apparently some exec decided its appropriate to bump up quarterly profit by stealing millions of dollars worth of points from their customers scene accounts.

Called up to complain and the customer service rep tried to give me some canned garbage PR script that this increase was somehow a benefit to me.

I could understand moderate inflation increases (3 percent?) but even then it doesn’t make sense for existing points to lose value. Once a point has been created they already have received the money for a ticket so there is zero justifications for draining accounts other than shifty business practices..

If there is a class action lawsuit against scotia and Cineplex… sign me up.

The GreedyRates Team says:

Hi Scene,

Appreciate the comment. You’re right that Scene just changed the valuation of its points when redeeming for movie tickets, and we actually wrote a very in-depth article about the Scene point devaluation that you should definitely go over. You should realize that for general admission movie tickets, the value of your Scene points haven’t been impacted whatsoever—it’s only for VIP and Premium tickets. You’ll need to earn 50% and 100% more points for the same Premium and VIP ticket, respectively, as before the devaluation. Again, if you intend to buy general admission tickets then nothing’s changed for you.

Also, as you mentioned, inflation is the reason that the changes to redemption value occurred. The Scene program was instituted in 2007, and the prices of movie tickets have increased 18% since then. We should be thanking ourselves that general admissions tickets weren’t hit with a devaluation also!


Patricia Warner says:

I have a Scene Card,and tried to use it,i know i have 18,000 points and do not want to loose them.
I tired at one of the shows.Do you have a 1-800 number i can call.I don’t want to give my scene number on the internet.

The GreedyRates Team says:

Hey Patricia!

Awesome question! We’re glad you picked up the Scotia SCENE card and now want to spend all those points you’ve accumulated at the theatre! There are many ways to do so, including going to the actual theatre and showing the box office or concessions employee your black SCENE membership card. At the moment, we’re not sure if you can present your Scotia credit card instead and expect the same service, which is why you might have encountered a problem. Did you show your Scotia card or the SCENE membership card? Remember you can also write down your membership number and keep it in your wallet, and then have the theatre employee enter it into their system.

Online, using the SCENE membership number is very safe. It’s not the same as your Scotia account or credit card number, so there’s absolutely no harm anyone can do if they manage to steal it. You need a password to use your points anyway, so don’t be afraid of entering that SCENE membership number the next time you buy movie tickets online. With 18,000 points, there’s a ton you can take advantage of! If you want more guidance from Scotia itself, call 1-866-586-2805 – and let us know if you need anything else. Thanks again!


Judy says:

Do you have to have a Scotia Bank account, like chequing or savings or what-have-you to be an active member?

The GreedyRates Team says:

Hi Judy,

The SCENE program from Scotia is great, as it gives you direct discounts at movie theaters in Canada and collects money quickly. Before the movie starts, you can even use your smartphone to answer questions at Scotia’s Cineplex theatres and win extra points, but you do need to get an account to participate. This doesn’t mean a bank account like a chequing or savings, just a SCENE account to keep track of your membership number and connected bank of points. No worries. Enjoy the movies!


Parker Busch says:

So… is it a 2,000 point bonus like it says here, or a 5,000 point bonus like it says in the article that led here?

The GreedyRates Team says:

Hey Parker,

Appreciate the comment. We can’t seem to find the page you’re referencing, the one that led you here. We’d like to fix the information on that page to reflect the correct promotion: A welcome bonus of 2,000 SCENE points, not 5,000 (unfortunately). Let us know. Thanks!


A. Hinds says:

I like that Scene points can also be used to redeem for restaurant purchases and at Sport Chek. The program has gotten more diverse and although I’ve enjoyed redeeming my points for movie tickets in the past, I appreciate the program even more now that I am able to earn and redeem Scene points at participating restaurants and retailers. That makes the program more valuable to me because I go to the movies occasionally but I prefer dining at restaurants than regularly going to the movies.

Yuvaraj Roy says:

I have been with Scotiabank Scene Visa for last 7 years and it has been my favorite Card by far. Over these years I recommend hundreds of people to Scotiabank Scene Visa. BUT last 3 day my Scene Visa is blocked causing me terrible embarrassment, I called them today and came to know that there is an outstanding payment of $40-$50 approx. Due to which they blocked my card….. The card limit is $17000. And I presently owe about $960. Isn’t it funny how they treated me after 7 years of loyalty….. I will pay them off and give up this card for good. Thousands of dollars I gave them in business and they cut me out for $40. I was threatened by the agent on the phone that “this can get worst”. Ironically last month ScotiaBank just gave me another credit of $20000 pre-approved.
I am extremely disappointed by Scene Visa.

Shawn Wetmore says:

how do you redeem?

GreedyRates says:

Your Scene points will be added to your Scene Black loyalty card. To redeem your Scene points, “just show your black SCENE membership card at the theater to redeem for rewards. You can also enter your SCENE membership number when you make a purchase at or by using the Cineplex-SCENE app.”

Hope that helps,

GreedyRates Staff

amar says:

this card is garbage, there is a $10 fee, if you don’t used it for one year

Huh? says:

You got a rewards credit card and never used it? How did you think you were going to get your rewards?

If you got $10 up front for signing up, then the $10 fee was to recover that $10.

Roger says:

Scotia Scene VISA and Cineplex have discovered that as well. The rules will change on 4 November 2015. You will need 1500 points instead of 1000 points for a DBOX movie and 2000 points for a AVX movie.

Andrew says:

In your article above about the scene visa it says a movie is worth 10-14$. While this is generally true, scene points have no monetary value when redeeming for a free movie, therefore if you use 1000 scene points to redeem for one of the more expensive options such as IMAX, Ultra AVX/ATMOS or DBOX you can get up to a 25$ value for the 1000 points so it can actually be up to 2.5% on this card and not 1-1.4%. Just wanted to share this!

GreedyRates says:

Great point Andrew. Thanks.

GreedyRates Staff