Scotiabank Scene Visa Card for Students Review



Annual Fee


Annual Rewards

1,250 points

Intro Offer


Annual fee


Annual rewards

1,250 points

Intro offer


  • No annual fee
  • Earn Scene points on everyday purchases
  • Redeem points for movies, meals, and more
  • Discount on car rentals at participating AVIS locations
  • 2,500 bonus Scene points with first purchase (conditions apply)
  • Designed for students with no credit history required


  • Limited to Scene rewards program
  • Low Scene points earn rate
  • No cash back or travel rewards
  • Not ideal for users who don’t frequently attend movies or dine at Scene affiliated restaurants
  • Interest rate of 19.99% on purchases and 22.99% on cash advances

Performance test results

At DollarWise, for each credit card we test 7 different factors including the rewards, value for money, perks, insurance, strengths and weaknesses of the card.

You can see our full testing methodology here to learn why we’re the most trusted source for credit card reviews.

The Scotiabank Scene Visa Card for Students has earned a 4.25 DollarWise Rating out of 5. This score is based on a weighted average of the two highest scoring factors (excluding acceptance and approval).




Interest rates




The highest scoring categories for the Scotiabank Scene Visa Card for Students are fees and interest.

These factors are weighted 70% to the highest scoring factor and 30% to the second highest score to get an overall review score.

This weighting allows us to judge cards on their merits and the customers they are designed for.

For the Scotiabank Scene Visa Card for Students the most important factors for scoring this card are its fees and interest.


With the Scotiabank Scene Visa Card for Students, here’s the rates at which you earn rewards for different spending categories per dollar you spend:

Bills1 point
Pharmacy1 point
Gas1 point
Groceries1 point
Restaurants1 point
Specific Stores2 points
Travel1 point
All Other Spend1 point

Calculating your annual rewards

We estimate that spending $2,000 per month with the Scotiabank Scene Visa Card for Students would earn $252 in rewards over the year.

Our performance testing research uses an accurate estimation of the average Canadian households spending patterns to predict the rewards a card will earn.

We found that you’d earn this per category:

Specific Stores$24
All Other Spend$228

Our study investigating the value found that each dollar spent on the Scotiabank Scene Visa Card for Students is worth up to $0.01, depending on how you redeem.

This $252 in rewards value puts the Scotiabank Scene Visa Card for Students in the bottom 40% of credit cards in Canada based on rewards earned.

The average credit card in our database earns $337 in rewards for the same spend that the Scotiabank Scene Visa Card for Students earns $252 in rewards value.

We can compare this card to other options by looking at the earn rate by category.

This earn rate is the percentage return that you would get when you spend on this card, assuming you redeem at the predicted maximum value.

For example, if a card earned 5 points per dollar on gas and each point is worth up to $0.02, then the earn rate is 5 points multiplied by $0.02 each, divided by the dollar you spent.

In this example, that’s a 10% earn rate on gas.

SpendThis CardAverage
Above, we’ve calculated the earn rate for the Scotiabank Scene Visa Card for Students for every spend category and compared it to the average for all Canadian credit cards.
Redemption methodAnnual rewards
Redeem for travel$252
Apply to statement credit$176
Gift cards$186
Grocery rewards$252
Restaurant rewards$252
Movie rewards$252
Apple / BestBuy$194

For an annual spend of $24,000, we estimated annual rewards value at up to $252.

That’s equivalent to a 1.05% return on spending.

The Scotiabank Scene Visa Card for Students has an annual fee of $0. After deducting this, we predicted net annual rewards of $252.

This puts it in the bottom 50% of credit cards for net rewards after fees.

In comparison, the average card earns net annual rewards of $254.


The Scotiabank Scene Visa Card for Students has a $0 annual fee.

The average card charges $85. So, the Scotiabank Scene Visa Card for Students is in the bottom 50% of cards based on the cost of the annual fee.


We manually review the perks of each credit card to determine how they compare to other cards.

The Scotiabank Scene Visa Card for Students scored a 1.5 out of 5 for perks, putting it in the top 50% of cards.

The average card scores 1.6 out of 5 for perks.

Interest Rates

Cash Advance22.99%
Balance Transfer22.99%

The average (median) credit card has a purchase interest rate of 19.99% and so the Scotiabank Scene Visa Card for Students charges {{purchase_interest_diff}} than the average.

For cash advances it costs 22.99% compared to the average of 19.96%.

Testing the Scotiabank Scene Visa Card for Students with a $2,000 starting balance, you can see in the graph how the {{purchase_interest_diff}} in interest rates impacts the interest over a year, compared to the average card.

Insurance coverage

We scored it 0.0 out of 5 for insurance.

It offers 0 types of insurance, whereas the average card has 5 types of coverage.

Approval and qualifying

Do I qualify?
Estimated Credit Score300 – 559
Personal Income$0
Household Income$0
Annual Fee$0
Extra Card Fee$0
Card typeVisa

We scored it 5.0 out of 5 for approval.

We predict that you will require a credit score of at least 300 to qualify for the Scotiabank Scene Visa Card for Students, while the average card requires 652 to qualify.

This puts it in the top bottom 20% of cards by approval difficulty.

The personal income requirements are $0, while the average card requires $23,896.

This puts it in the top 50% of cards by the income required to qualify.

The Scotiabank Scene Visa Card for Students is a popular option among Canadian students, offering impressive earning potential, various benefits, and some drawbacks. In this review, we will examine how this card earns points, its key benefits, two significant drawbacks, and other relevant information for potential cardholders.

Earning potential with the card

The Scotiabank Scene Visa Card for Students allows cardholders to earn Scene points, which can be redeemed for free movies, food, and more. Cardholders earn 5 Scene points per dollar spent at participating Cineplex Entertainment theatres or online at, as well as 1 point per dollar spent on all other purchases.

This offers a rewarding earning potential for those who frequently visit the cinema and enjoy entertainment-based rewards.


  1. 2,500 Bonus Scene Points: One major advantage of this card is the 2,500 bonus Scene points offered upon signing up and spending a minimum of $500 in everyday purchases within the first three months.

    This bonus is equivalent to two free movie tickets at participating Cineplex theaters, providing an attractive incentive for movie enthusiasts.
  2. No Annual Fee: The second significant advantage of this card is that it comes with no annual fee. This feature makes it easier for students to maintain the card without worrying about added costs, allowing them to accumulate rewards over time.
  3. Discount on AVIS Car Rentals: The card also offers a 25% discount on AVIS car rentals, a valuable perk for students who require occasional car rentals for travel or other needs.
  4. Free Supplementary Card: The free supplementary card allows authorized users to earn rewards under one account, making it convenient for group purchases or shared family expenses.


  1. Limited Redemption Options: One significant drawback of this card is that it offers limited redemption options. Scene points can primarily be redeemed for movie tickets and concession items at participating Cineplex theaters.

    While this may be attractive to frequent moviegoers, it may not appeal to users who prefer a more diverse selection of rewards categories.
  2. Lack of Travel or Purchase Insurance Benefits: Another drawback is the lack of travel or purchase insurance benefits that are common in other credit cards. The absence of these features can be a disadvantage for users who value extensive protection for their trips or purchases.

Additional information

It is worth considering that the card has a minimum income requirement of $12,000, making it accessible to a wider audience. Furthermore, students should think about how they typically spend and whether their spending habits align with the rewards offered by the Scotiabank Scene Visa Card for Students.

In conclusion, the Scotiabank Scene Visa Card for Students can be an excellent choice for Canadian students who frequently visit the cinema and enjoy entertainment-based rewards. The card’s earning potential, bonus points, no annual fee, car rental discount, and free supplementary card are appealing benefits.

However, the limited redemption options and the absence of insurance coverage may deter users who seek more versatility in rewards and added protection. Prospective applicants should weigh these factors based on their spending habits and preferences before making a decision.

Is the Scotiabank Scene Visa Card for Students not convincing you? Consider the Scotiabank Passport Visa Infinite Card or the Scotiabank Scene Visa Card. Still not the right credit card? Make sure not to miss the Scotiabank US Dollar Visa Card.


The Scotiabank Scene Visa Card for Students allows cardholders to redeem their earned Scene points primarily for movie-related rewards. The following is a list of redemption options:

  • Movie tickets: Use your points to redeem free movie tickets at Cineplex theatres.
  • VIP movie experiences: Redeem your points for VIP cinema passes, providing a premium and luxurious movie-watching experience.
  • Food and beverages at Cineplex: Scene points can be exchanged for concession stand treats, such as popcorn, soft drinks, and candy.
  • Digital movie rentals and purchases: Redeem points for digital movie rentals and purchases on the Cineplex Store.
  • Participating restaurants: Scene points can also be redeemed at partner restaurants like Swiss Chalet, Harvey’s, East Side Mario’s, and more.
  • Merchandise: Points can be used to buy various merchandise items when available on the Scene website.
  • Charitable donations: Convert your points into charitable donations to support a variety of causes.

The Scotiabank Scene Visa Card for Students does charge foreign transaction fees. Cardholders can expect to pay a 2.5% fee on any transactions made outside of Canada or in a foreign currency.

There is no minimum income requirement for the Scotiabank Scene Visa Card for Students. As a student-focused credit card, it is designed to cater to the unique financial situation of students, who might otherwise face income barriers to obtain a credit card.

Key benefits

  • Card type: Visa
  • Annual fee: $0
  • Interest rate: 19.99% for purchases, 22.99% for cash advances
  • Grace period: 21 days (interest-free)
  • Balance transfer rate: 22.99%
  • Earn rate: 5 Scene points per $1 spent at Cineplex theatres, 1 Scene point per $1 spent on everything else
  • Credit limit: Minimum $500, varies based on applicant’s circumstances
  • Credit score: Typically suited for average to good credit ratings
  • Eligibility requirement: Canadian resident, minimum age varies by province or territory, currently enrolled in post-secondary education
  • Security features: Zero liability protection and chip technology
  • Reward expiry: Points expire after five years
  • Supplementary card: Free

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