◊Applies to eligible purchases only at Home Hardware, Home Building Centre, and Home Hardware Building Centre locations in Canada and online at homehardware.ca.
1ATerms and conditions apply to the Scene+ Program and the benefits featured herein. The Scene+ Program, including earn rates, and related terms and conditions, are effective as of January 31, 2024 and are subject to change. The Scene+ Program is owned and operated by Scene Limited Partnership. Visit Scotiabank.com/sceneplus for full details about the Scene+ Program
2On eligible purchases of $250 or more (including taxes) made on your Scotiabank Scene+ Visa Credit Card account. Conditions apply. Visit scotiabank.com/buildyourpoints for details.
3Offer Description and Conditions: The 5000 Bonus Scene+ Points Offer (the “Offer”) applies only to new Scotiabank Scene+ Visa credit card accounts (“Account”) opened by October 31, 2025 and is subject to the below terms and conditions.
To be eligible for 2,500 bonus Scene+ points (the “2,500 Point Bonus”), you must open a new Account by March 2, 2025 and have at least $250 in eligible purchases posted to your new Account in the first 3 months of the Account open date. To be eligible for an additional 5,000 bonus Scene+ points (the “Additional 5,000 Point Bonus”), you must have at least $1,000 in eligible purchases posted to your new Account in your first 3 months of Account open date. Eligible purchases include purchases (less any refunds, returns or other similar credits) but do not include payments, cash advances (including balance transfers or cash-like transactions), interest, fees or other charges.
The applicable point bonus will be credited approximately 8 weeks after the qualifying amount in eligible purchases (i.e., $250 or $1,000) have been posted to the Account within the first 3 months of the Primary cardholder’s Account open date, provided the Account is open and in good standing. For Joint Accounts with a Primary Borrower and Co-borrower, the applicable point bonus will be credited to the Scene+ account linked to the Account of the borrower that completed the last transaction to meet the qualifying amount of eligible purchases (i.e., $250 or $1,000). If a supplementary cardholder completes the last qualifying transaction, the applicable point bonus will be credited to the Primary Borrower’s Scene+ account. Points can be transferred between Primary and Co-Borrower or Supplementary Cardholder’s Scene+ accounts by contacting Scene+. The Account is considered in good standing if it is not past due or over limit and the Cardholder(s) is not in breach of the Revolving Credit Agreement that applies to the Account. All other terms and conditions of the Program Terms continue to apply during the Offer period. Offer may be changed, cancelled or extended without notice at any time and cannot be combined with any other offers.
Eligibility and Exclusions: Individuals who are currently or were previously primary or secondary cardholders of a Scotiabank personal credit card in the past 2 years, including those that switch from an existing Scotiabank personal credit card, as well as employees of Scotiabank, are not eligible for the Offer. Subject to the above exclusions, Scotiabank small business credit cardholders are also eligible for the Offer.
Rates and Fees: There is currently no annual fee for the primary card and no fee for each additional card (including those issued to co-borrowers and supplementary cardholders). The current preferred annual interest rates for the Account are: 20.99% on purchases and 22.99% on cash advances (including balance transfers and cash-like transactions). All rates, fees, features and benefits are outlined in the Application Disclosure Statement and are subject to change.
4 Applicable on After Purchase only. Applies to eligible purchases of $250 or more (including taxes) for 3,6 or 12 month Deferred Payment Option (DPO) Plans on the Scotiabank Scene+ Visa Card only at Home Hardware, Home Building Centre, Home Hardware Building Centre locations in Canada and online at homehardware.ca. No DPO Plan fee applies under this offer and interest does not accrue on eligible purchases converted to a Scotia SelectPay DPO Plan during the DPO Plan period. After the DPO Plan period ends, the then current regular annual interest rate on purchases will apply to any balance of the eligible purchase that remains unpaid. If you choose to make a payment during the DPO Plan, it cannot be applied to the balance(s) of your choice and will be applied as set out in the Revolving Credit Agreement for the Card. DPO Plans are not available to Quebec residents. All features, rates and fees are subject to change. Other terms and conditions apply.
5On eligible purchases of $250 or more (including taxes) for up to 24 month installment plans made on your Scotiabank Scene+ Visa Card account only. Terms and conditions apply. Visit scotiabank.com/buildyourpoints for details.
6Conditions Apply. Available on eligible purchases made on eligible Scotiabank credit cards only. Visit scotiabank.com/selectpay to learn more.
7Applicable on After Purchase only. Applies to eligible purchases of $250 or more (including taxes) for 3,6 or 12 month Deferred Payment Option (DPO) Plans on the Scotiabank Scene+ Visa Card only at Home Hardware, Home Building Centre, Home Hardware Building Centre locations in Canada and online at homehardware.ca. No DPO Plan fee applies under this offer and interest does not accrue on eligible purchases converted to a Scotia SelectPay DPO Plan during the DPO Plan period. After the DPO Plan period ends, the then current regular annual interest rate on purchases will apply to any balance of the eligible purchase that remains unpaid. If you choose to make a payment during the DPO Plan, it cannot be applied to the balance(s) of your choice and will be applied as set out in the Revolving Credit Agreement for the Card. DPO Plans are not available to Quebec residents. All features, rates and fees are subject to change. Other terms and conditions apply.
8 Applicable on After Purchase only. Scotia SelectPay installment plans available on eligible Home Hardware purchases made on your Scotiabank Scene+ Visa Card of at least $250 in Canadian dollars (including taxes). Other conditions apply.
®Registered Trademark of the Bank of Nova Scotia, used under license.
TM* Trademark of the Bank of Nova Scotia, used under license.
TMScene+ and the Icon Design are trademarks of Scene Plus IP Corporation, used under license
*Visa Int. / Licensed User
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