Scotiabank SCENE Visa Card Review 2022

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by Enoch Omololu


Advertiser Disclosure

Scotiabank’s SCENE Visa card is one of a kind in Canada – it is the only credit card that allows you to earn Scene+ points that can be redeemed for free movies at Cineplex Entertainment theatres. If you love going to the movies, this may be the card for you.

In addition to earning Scene+ points that you can redeem for movies, you can also redeem your rewards for food and drink at Cineplex theatres or at restaurants, including, Harvey’s, Swiss Chalet, East Side Mario’s, Kelsey’s, and Montana’s.

The SCENE Visa Card does not have an annual fee.

This review of the Scotiabank SCENE card shows where it shines and why it is great as a starter credit card for students, new immigrants, and moviegoers.

SCENE Visa Card

Scotiabank SCENE Visa Card Benefits

1. No Annual Fee: There is no annual fee for using this card, either as the primary cardholder or as a supplementary user.

2. Earn SCENE Rewards: Users of Scotiabank’s SCENE Visa card earn rewards under the SCENE program which is the loyalty program for Cineplex theatres. You earn:

  • 1 Scene+ point for every $1 you spend on everyday purchases
  • 5 Scene+ points for every $1 spend at Cineplex theatres or online at
  • 5,000 bonus points on your first $750 spend in the first 3 months of opening your account. This is equivalent to four free general admission or 3D movie tickets.

Your accumulated Scene+ points can be redeemed for movies and concessions at Cineplex theatres, or food at Recipe Unlimited Corporation-owned restaurants. More on the SCENE rewards program later in this review.

3. Save on Car Rentals: As a SCENE Visa cardholder, you can save up to 25% on car rentals at participating AVIS and Budget locations in Canada and the U.S.

4. Optional Features: As a cardholder, you can apply for additional protection/insurance against disability, critical illness, or loss of life for a monthly fee. This feature is entirely optional.

Earn 2% unilimited cashback with the Tangerine Credit Card.

What is the SCENE Points Rewards Program?

SCENE is the loyalty rewards program for Cineplex and is offered in partnership with Scotiabank.

When you own a SCENE Visa card, you earn points whenever you watch a movie at Cineplex theatres, buy concessions, or dine at Recipe Unlimited Corporation-owned restaurants including Harvey’s, Swiss Chalet, Milestones, Kelsey’s, East Side Mario’s, and Montana’s.

In addition, you will also earn points for your everyday purchases.

You do not need to be a SCENE Visa cardholder in order to earn Scene+ points. If all you do is simply enroll in a loyalty program’s general membership, your options for earning points are limited to:

  • General admission ticket: 125 points
  • 3D movie ticket: 125 points
  • Adult enhanced (premium) movie ticket: 200 points
  • Child general admission or 3D movie ticket: 65 points
  • VIP Cinema movie ticket: 250 points
  • For every $1 spent on food and drinks: 5 points
  • For every $3 you spend at participating restaurants: 1 point
  • Scenetourage: 50 points
  • Each $125 spend on Fanxchange purchases: 1,250 points
  • Download the Carrot rewards app: 65 points

The rewards points you earn when you have the SCENE Visa card are in addition to the general rewards listed above. Therefore, SCENE members who have the SCENE Visa Card get to accumulate rewards points faster.

For more tips on how to earn SCENE points quickly, check out my article on 9 Ways To Maximize Your SCENE Points and Watch Free Movies.

How To Redeem Your SCENE Points

Scene+ points can be easily redeemed for movie tickets, food, travel, shopping, entertainment, dining, banking, and more.

Some of the more popular redemption options and rates are:

  • General admission and 3D movie ticket: 1,250 points
  • Enhanced adult movie ticket: 2,000 points
  • VIP Cinemas movie ticket: 2,500 points
  • General night out package: 3,500 points
  • Enhanced night out package: 5,000 points
  • VIP night out package: 6,000 points
  • Digital movie download: 1,000 points = $10 off
  • $5 off food and drink at the movies: 500 points
  • Food at participating restaurants: 1,000 points = $10 off

In general, 1,000 SCENE points is equivalent to $10 for food, so 1 point is worth around 1 cent. Depending on the cost of the movie ticket you are buying for each category (general, adult enhanced, VIP), your rewards rate will vary from approx. 0.80% to 1.27% or so.

The rewards rate on your Cineplex-related spending is a multiple of x5.

Is the SCENE Visa Card For You?

The SCENE Visa card has a couple of things going for it, including no annual fees, a low salary per year ($12,000), and no credit history requirement. These options make it attractive to students and new immigrants to Canada who are just starting out.

Frequent movie-goers may also find the credit card attractive, as its rewards payout rate is as high as 5% when you consider movie-related spending. The initial 5,000 points bonus is equivalent to four free general admission or 3D movie tickets.

There are some downsides to the card.

This credit card does not come with free insurance, such as an extended warranty or travel insurance. These are common perks associated with a majority of credit cards these days.

Secondly, there is a maximum limit on the points you can earn, at a maximum of 300 points per transaction and 600 points daily. And, you should take note of the 19.99% purchase and 22.99% cash advance interest rates.

If you are not into this card because of the Scene+ points, an alternative no-annual-fee card is the 2% Tangerine Money-Back Credit Card which offers 2% unlimited cash back on up to 3 categories of spending.

Tangerine Money-Back Credit Card

Rewards: Earn up to 2% unlimited cash back in up to 3 spending categories and 0.50% on all other purchases.

Welcome offer: Get an extra 10% cash back on up to $1,000 in spending in the first 2 months ($100 value).

Interest rates: 19.95% for purchases, balance transfers, and cash advances.

Annual fee: $0

Alternatively, you can earn a 1.25% flat-rate cash back on all purchases using the SimplyCash Card from American Express.

SimplyCash Card from American Express

Rewards and benefits: Earn 1.25% cash back on all purchases; travel accident insurance.

Welcome offer: 4% cash back in your first 6 months (valued at $200).

Interest rates: 19.99% on purchases and 21.99% on cash advances.

Annual fee: $0

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Enoch Omololu

Enoch Omololu is a personal finance expert and a veterinarian. He has a master’s degree in Finance and Investment Management from the University of Aberdeen Business School (Scotland) and has completed several courses and certificates in finance, including the Canadian Securities Course. He also has an MSc. in Agricultural Economics from the University of Manitoba and a Doctor of Veterinary Medicine degree from the University of Ibadan. Enoch has a passion for helping others win with their personal finances and has been writing about money matters for over a decade. He has been featured or quoted in The Globe and Mail, Winnipeg Free Press, Wealthsimple, Financial Post, Toronto Star, CTV News, Canadian Securities Exchange, Credit Canada, National Post, CIBC, and many other personal finance publications.

His top investment tools include Wealthsimple and Questrade. He earns cash back on purchases using KOHO, monitors his credit score for free using Borrowell, and earns interest on savings through EQ Bank.

2 thoughts on “Scotiabank SCENE Visa Card Review 2022”

  1. The Scene card seems to be losing value. It is costing more and more points to get movie tickets. As of April 17. 1250 for general admission, 2000 for enhanced movie, and 2500 for VIP

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