The Scotiabank Scene+ Visa Infinite is Scotiabank’s everyday rewards Visa Infinite card, built around the Scene+ loyalty program that spans Cineplex, Sobeys, Empire stores, and travel bookings. With 3× points on groceries and dining, it’s a compelling option for Canadians who want to maximize rewards on everyday spending.
Quick Verdict
Best for: Canadians who shop at Sobeys/IGA/Safeway, dine out regularly, or visit Cineplex theatres and want a strong everyday rewards card.
Not ideal for: Frequent international travellers who prioritize no-FX fees and lounge access (the Scotiabank Passport Visa Infinite is better for that use case).
Key Card Details
| Feature | Details |
|---|---|
| Annual Fee | $120 CAD |
| Supplementary Cards | $0 first year; $29/year thereafter |
| Network | Visa Infinite |
| Purchase Interest Rate | 20.99% |
| Cash Advance Rate | 22.99% |
| Personal Income Requirement | $60,000 CAD |
| Household Income Requirement | $100,000 CAD |
Welcome Bonus
Scotiabank regularly offers substantial welcome bonuses on the Scene+ Visa Infinite—historically up to 45,000–60,000 Scene+ points when you meet a minimum spend within the first few months. At 100 points = $1, that’s $450–$600 in potential value. Check Scotiabank’s website for the current offer.
Earn Rates
| Spending Category | Scene+ Points per $1 |
|---|---|
| Groceries, restaurants, food delivery | 3 points |
| Other Scotiabank credit card purchases | 2 points |
| All other eligible purchases | 1 point |
At Sobeys, IGA, FreshCo, Safeway, and other Empire-owned grocery stores, every grocery run earns an extra Scene+ point. Combined with the Scene+ points earned just for shopping there, the program amplifies value significantly for Sobeys-ecosystem shoppers.
Redemption
Scene+ points are redeemed at 100 points = $1 CAD across:
- Cineplex — redeem directly for movie tickets and concessions at any Cineplex location
- Scene+ Travel — book flights, hotels, and car rentals; apply points to cover travel costs
- Grocery/partner stores — redeem at checkout at Sobeys, IGA, Safeway, Thrifty Foods, and other Empire partners
- Statement credits — apply points against purchases
A household spending $1,500/month on groceries (3×) and $500/month on dining (3×) earns approximately 72,000 Scene+ points per year—enough for $720 in travel, groceries, or movies.
Benefits and Perks
- Visa Infinite perks — Visa Infinite Dining Series, Hotel Collection, and concierge service
- Travel emergency medical insurance — emergency medical coverage for the first 25 days of a trip
- Trip cancellation/interruption insurance — protects prepaid non-refundable travel expenses
- Flight delay insurance — covers expenses if your flight is delayed 4+ hours
- Lost or delayed baggage insurance — covers essential items if your bag is delayed or lost
- Auto rental collision/damage waiver — decline the rental agency CDW (saves $20–$30/day)
- Mobile device insurance — coverage for eligible smartphones purchased on the card
Fees and Rates
| Fee / Rate | Amount |
|---|---|
| Annual Fee | $120 CAD |
| Supplementary Cards | $0 first card, then $29 each |
| Purchase Interest | 20.99% |
| Cash Advance | 22.99% |
| Foreign Transaction Fee | 2.5% |
| Returned Payment | $48 |
Who Is This Card Best For?
The Scotiabank Scene+ Visa Infinite is ideal for:
- Sobeys/Empire grocery shoppers — the highest-value group; earn Scene+ points in-store plus 3× on the card
- Cineplex fans — the movie redemption is frictionless and valuable
- Dining-focused spenders — 3× at restaurants beats many comparable cards
- Scotiabank banking clients — simplify rewards management within one financial ecosystem
Alternatives
| Card | Annual Fee | Grocery Earn Rate | Best For |
|---|---|---|---|
| Scotiabank Passport Visa Infinite | $150 | 2× Scene+ | International travellers; no FX fee |
| Scotiabank Gold American Express | $120 | 6× Scene+ at Sobeys | Highest grocery earners |
| TD First Class Travel Visa Infinite | $139 | 8× at Expedia for TD | Travel-first spenders |
Bottom Line
The Scotiabank Scene+ Visa Infinite is a strong everyday rewards card for Canadians embedded in the Scotiabank/Empire/Cineplex ecosystem. The 3× on groceries and dining is competitive, the travel insurance package is solid, and the $120 annual fee is reasonable. If you regularly shop at Sobeys-family stores, this card is a natural fit.
Disclaimer: Card terms, earn rates, and welcome bonus offers are subject to change. Verify all current details at scotiabank.com before applying.