Overview of the Scotiabank Passport™ Visa Infinite* Card
On entertainment, groceries, restaurants (including fast food & drinks), daily transit1 point/$1
On other purchases3 points/$1
Scotiabank Passport™ Visa Infinite* Card details
- Welcome offer
- 40,000 bonus points ($400 value)
- Annual fee
- $150 (first year waived)
- Earn 2x points on entertainment, groceries, restaurants (including fast food & drinks), daily transit, 1x points on other purchases, 3x points on groceries
- Average point value
- Purchase interest rate
- Cash advance interest rate
- Balance transfer interest rate
- Minimum income
- Household income
- Any amount
- Recommended credit score
- Card type
Detailed card summary
Benefits & features
- Earn up to $1,320* in value in the first 12 months, including up to 40,000 bonus Scene+ points and first year annual fee waived.1. Offer ends 30 April 2023.
- The only major bank credit card offering you no foreign transaction fees, including for shopping online or abroad
- Your Award Winning Card For Travel
- Earn 2 Scene+ points on every $1 you spend on eligible grocery stores, dining, entertainment purchases, and daily transit purchases (including buses, subways, taxis and more)
- Earn 1 Scene+ point on every $1 you spend on all other eligible purchases.
- You’ll earn 3X Scene+ points for each dollar charged to your account on all eligible purchases1 at Sobeys, IGA, Safeway, Foodland, FreshCo, Voilà by Sobeys, Voilà by IGA, Voilà by Safeway, Chalo! FreshCo, Thrifty Foods, IGA West, Les Marchés TradItIon, Rachelle Béry and Co-Op.
How to redeem
Redeem your points against any travel purchase on your statements
How to get approved
- Minimum income $12K/yr
- Household income Any
- Recommended credit score 660+
- You are a permanent Canadian resident and have reached the age of majority in the province in which you live.
Launched in early 2018, the Scotiabank Passport Visa Infinite entered the fray as the only credit card from the country’s big banks to completely waive its foreign transaction fees (and made headlines for doing so). But its appeal doesn’t stop there.
One of the best travel credit cards in Canada, the Scotiabank Passport Visa Infinite is packed with other perks frequent travellers care about like airport lounge access, a strong sign-up bonus, and flexible points that can be redeemed flexibly for flights on virtually any airline.
For everything you need to know about this card, read our full breakdown below.
Scotiabank Passport Visa Infinite – quick review
- It’s one of the few cards in Canada to completely waive its foreign transaction fees. Aside from Scotia, none of Canada’s other big five banks issue cards that’ll save you on fees when spending in an international currency.
- You’ll receive a complimentary Priority Pass membership with six free annual passes to over 1,200 airport lounges worldwide
- You’ll earn double the points for every dollar spent on groceries, dining, entertainment, and daily transit (including taxis and Ubers).
- The Scotia Rewards program is easy to understand (1 point = 1% off your travel purchase) and flexible (redeem points for flights on any airline).
- With Scotia’s Apply Points to Travel option, you can use points to save on travel booked directly with an airline or hotel provider. You won’t be restricted to using the bank’s in-house travel agency when redeeming points.
- The card comes with several types of insurance, including travel emergency medical coverage, trip cancellation/interruption, flight delay, lost baggage, and more.
- You can add a supplementary cardholder at no extra cost (most other premium cards charge an extra $39-$50).
- The Passport Visa Infinite has an annual fee of $139, which is slightly above the average $120 annual fee found on many comparable travel rewards cards.
- You can earn more points on your everyday spending on a handful of other rewards cards, like the Scotiabank Gold American Express.
- It has an income requirement of $60,000 (or $100,000 as a household), which means it might be out of reach for some.
Scotiabank Passport Visa Infinite – detailed breakdown
No foreign transaction fees
One of the greatest perks of this card – and arguably what it’s most known for – is that it comes with no foreign transaction fees.
You might not realize it, but almost every credit card charges an additional 2.5% foreign transaction fee on top of the exchange rate whenever you make a purchase in a non-Canadian currency — like when swiping your card while abroad or shopping online in US dollars.
If you’re a frequent traveller or typically spend a lot in foreign currencies, that can add up. For instance, if you budget $1,000 for food and transit during your one week vacation in London, this fee would typically cost you an extra $25 just for the convenience of using a credit card.
By saving you the cost of foreign transaction fees, the Scotiabank Passport Visa Infinite makes sticking with a credit card while travelling more compelling. That means you can avoid carrying huge wads of foreign cash or relying heavily on currency exchange offices (which tack on their own costly fees, especially in tourist hot spots).
Using a credit card abroad also means you get the added security of pin and purchase protection while also earning rewards on your spending. In the case of the Scotiabank Passport Visa Infinite, you’ll earn Scotia Rewards points on all your international purchases along with saving on foreign transaction fees.
Airport lounge benefits
The other major perk of the Scotiabank Passport Visa Infinite is its complimentary membership to Priority Pass, which opens up the door to a network of over 1,200 airport lounges worldwide.
The Scotiabank Passport Visa Infinite’s lounge access benefits stand out for two reasons.
First, whereas most credit cards with lounge access only provide two to four free annual lounge passes, the Scotiabank Passport Visa Infinite offers six.
Second, if you were to purchase the equivalent membership directly from Priority Pass, it would set you back $291 USD every year – which on its own is over double the card’s annual fee.
Rewards on everyday spending
The Passport Visa Infinite earns 2 Scotia points for every dollar spent on groceries, dining, entertainment, and transit (including taxis, subway, buses, and rideshares including Uber).
On all other purchases, the card nets 1 Scotia point per dollar.
When redeemed for travel, 1 Scotia point equals $0.01, so in a way, this card acts like a cash back card for your travel purchases (with its 2 and 1 point per dollar earn rates working out to the equivalent of a 2% and 1% return respectively).
It’s worth noting that the card does have a slightly lower everyday earn rate than some comparable rewards credit cards, like the Scotiabank Gold American Express. But the Scotiabank Passport Visa Infinite is a well-rounded card that offers a ton of added value with side perks that are tailored to travellers like its no foreign transaction fees and lounge access benefits.
Redeeming Scotia Rewards (and points values)
Scotia Points are extremely flexible and can be redeemed for travel rewards in two ways:
- The Scotia Rewards Travel Service, the banks in-house travel service and search engine that lets you intuitively browse different travel options;
- By Applying Points to Travel, which gives you the flexibility to purchase a flight ticket or hotel stay directly from an airline or travel provider of your choice, and use points to offset the cost at a later date. You can redeem points retroactively up to 12 months after the purchase date, and you’ll receive a credit on your statement equal to your points’ value.
The latter is a great feature and means you’re not locked into using the bank’s in-house travel agency and can instead compare flight prices online and book travel plans completely on your agenda.
As mentioned earlier, the value of 1 Scotia Reward point is worth a consistent $0.01 when redeemed travel. That makes it easier to determine the value of a point compared to most other travel rewards programs since points values are constant and don’t fluctuate according to a rewards chart. Keep in mind though, you must redeem points in a minimum of 5,000 increments ($50 value).
When redeeming points for anything non-travel related (like gift cards or merchandise), you’ll get less than $0.01 per point in value – so it’s best to stick to using your points for travel-related redemptions. If you’re not much of a traveller and want to use your rewards to save on your everyday spending, consider checking out some of the best cash back credit cards in Canada instead.
|Redemption options||Value of 1 point|
|Cash credits||0.67 – 0.8 cents|
|Gift cards||0.74 cents|
|Merchandise||Varies (but typically below 0.8 cents)|
Scotiabank Passport Visa Infinite travel insurance
It’s always reassuring to have travel insurance. Luckily, the Scotiabank Passport Visa Infinite’s insurance benefits are some of the best of any travel rewards card. Here’s an overview of what this card offers:
|Travel emergency medical||$1 million per insured person (25 days for age 64 and under, but 10 days for age 65 and older)|
|Trip cancellation||$2,500 per person (up to $10,000 per trip)|
|Trip interruption||$2,500 per person (up to $10,000 per trip)|
|Flight delay||Up to $500 per person per trip|
|Delayed and lost luggage||Up to $1,000 per trip after only 4 hours|
|Hotel/motel burglary||Up to $1,000 per occurrence in Canada or the US|
|Rental car collision/loss damage||For vehicles up to $65,000 in value (for 48 days)|
|Common carrier travel accident||Up to $500,000 per person/up to $1 million per occurrence|
There’s also purchase insurance and price drop protection included. Most personal items are covered against loss, theft, or damage if the full cost of the item is charged to the card. Coverage extends for the first 90 days from the purchase date up to $60,000 and is in addition to other insurance coverage.
Fees, interest rates, and income requirements
The card has an annual fee of $139, which is a little higher than some other travel rewards cards that charge around $120. That said, there isn’t an additional annual fee for adding your first authorized user – so you can pick up a supplementary card for a loved one at no extra cost. Most other premium cards charge around $50 to $39 a year for adding a supplementary cardholder.
The purchase interest rate is 19.99% if you have an unpaid balance and the cash advance rate is 22.99%. This rate won’t enter the equation as long as you pay off your balance in full every month and avoid borrowing money from your credit card.
To qualify for the card, you need to have an annual income of at least $60,000 or a minimum household income of $100,000.
The Passport Visa Infinite gives you a free Avis Preferred Plus membership, which provides up to 25% off car rentals in Canada and the US as well as complimentary upgrades (when available). You can also get a special number to call for reservations and customer support.
As a Visa Infinite cardmember, you’ll have access to the Visa Infinite concierge, who can help you with airline or hotel reservations, pre-trip planning, ticket or event bookings, and restaurant reservations.
You’ll even have access to the Visa Infinite Luxury Hotel Collection – a selection of over 900 hotels around the world. When staying at an eligible hotel, you’ll get a best available rate guarantee, free daily breakfast for two, an automatic room upgrade or late checkout (when available), and a $25 food or beverage credit.
Compared to other consumer credit cards publicly offered by Canadian Schedule 1 banks as of 30 April 2023.
We do not charge any foreign currency conversion fees, only the exchange rate applies. See the Application Disclosure Statement, under “Foreign Currency Conversion Fees” section for full details.
The 25,000 Bonus Scene+ Points Offer (the “Offer”) applies only to new Scotiabank Passport Visa Infinite credit card accounts (“Accounts”) that are opened by 30 April 2023 and is subject to the below terms and conditions. Offer may be changed, cancelled or extended at any time without notice and cannot be combined with any other offers.
Plus, as a Scotiabank Passport Visa Infinite credit cardholder you are always eligible to earn an annual 10,000 Scene+ point bonus when you spend at least $40,000 in everyday eligible purchases annually on your Scotiabank Passport Visa Infinite account. Conditions apply – see below for further details.
Offer 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.
25,000 Bonus Scene+ Point Offer Description and Conditions: To qualify for the 25,000 bonus Scene+ points (the “Bonus Offer”), you must have at least $1,000 in eligible purchases posted to your new Account within the first 3 months of the 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, Scotia® Credit Card Cheques or cash-like transactions), interest, fees or other charges. The 25,000 Bonus Offer points will be credited to the primary cardholder’s Scene+ account within approximately 2-3 business days following the qualifying $1,000 in eligible purchases being posted to your Account within 3 months from the Account open date, provided the Account is open and in good standing. 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. Bonus Offer applies to new Accounts only opened by October 31, 2022.
10,000 Annual Bonus Scene+ Point Conditions: As a Scotiabank Passport Visa Infinite credit cardholder you can earn an annual Scene+ point bonus starting at 10,000 Scene+ points when you make at least $40,000 in eligible purchases annually on your Account each year (12-months). Annual period starts from the Account open date and resets every 12 months thereafter. You will earn 2,000 bonus Scene+ points for every additional $10,000 in eligible purchases thereafter in that same year, after the $40,000 annual spend has been reached. Eligible purchases include purchases (less any refunds, returns or other similar credits) but do not include payments, cash advances (including balance transfers, Scotia® Credit Card Cheques or cash-like transactions), interest, fees or other charges.
The Annual bonus Scene+ points will be credited within approximately 2-3 business days after you have met the $40,000 annual spend threshold on the Account and within approximately 2-3 business days after you have met each additional $10,000 annual spend threshold on the Account, provided your Account is open and in good standing (as defined above).
Rates and Fees: The current annual fee is $139 for the primary card, $0 for the first additional card and $50 for each additional card thereafter. The current preferred annual interest rates for this Account are: 19.99% on purchases and 22.99% on cash advances (including balance transfers, Scotia® Credit Card Cheques and cash-like transactions).
All rates, fees, features and benefits are subject to change.
You will earn 2 points per $1 on the first $50,000 in purchases made on your Scotiabank Passport Visa Infinite account (the “Account”) annually at the following: purchases made at merchants classified in the Visa credit card network as: Grocery Stores and Supermarkets; Eating Places and Restaurants, Drinking Places, Fast Food Restaurants; Entertainment including Motion Picture Theatres, Theatrical Producers, Ticket Agencies, Bands, Orchestras, Miscellaneous Entertainers; Railroads, Local and Suburban Commuter Passenger Transportation, including Ferries, Passenger Railways, Taxicabs and Limousines, Bus Lines, Transportation Services (Not Elsewhere Classified). Some merchants may sell these products/services or are separate merchants who are located on the premises of these merchants, but are classified by the credit card network in another manner, in which case this added benefit would not apply. The annual spend calculation for the $50,000 maximum threshold is calculated annually from January 1st to December 31st each year.
You will earn 1 point per $1 on purchases made on the Account after the 2 points per $1 / $50,000 annual spend maximum is reached and on all other purchases made on the Account.
Scene+ points are only awarded on purchases. Scene+ points are not awarded for cash advances, balance transfers, Scotia Credit Card Cheques, payments, returns, refunds or other similar credits, fees or interest or other charges. Scene+ points must be redeemed within 60 days of Account closure or they will be deleted permanently. If your Account is not in good standing, the accumulated Scene+ points are not eligible for redemption.
The primary cardmember and/or co-borrower are liable for all charges incurred on the Scotiabank credit card account by any supplementary card issued in connection with the account.
The Scene+ Travel website and call center are owned and operated by Expedia Group, a third-party travel service provider (the “Scene+ Travel Partner”). To earn or redeem Points, travel must be booked through the Scene+ Travel website or Scene+ Travel call centre. Travel booked via the Scene+ Travel call centre may be subject to a booking fee. Prices are in Canadian dollars unless otherwise specified. Prices and points requirement are available on the website, and subject to change. The Scene+ Travel Partner may impose terms and conditions that supplement the ‘Additional Terms and Conditions for Scene+ Travel’ included in the Scene+ Program Terms and Conditions. Scene LP and its owners are not responsible for the products and services made available to you by third parties.
Earning Scene+ Points for Scene+ Travel purchases: Scene+ points are earned on eligible travel purchases made through Scene+ Travel website or call centre (collectively “Scene+ Travel)”. Scene+ Points are only earned on the total value of hotel or car rental booking purchases (excluding taxes and fees) made through Scene+ Travel regardless of the payment method used for the purchase (Scene+ points redemption and/or payment card purchases). Points earned will be added to your Scene+ account within six weeks from the completion of your travel itinerary.
Paying for your eligible Scene+ Travel purchase: Points may be redeemed for the entire amount of the hotel or car rental booking purchases (including taxes and fees), or redeemed in part with the remaining balance paid by an available payment card.
Under all insurance coverages or services, certain limitations, restrictions and exclusions apply, including a pre-existing condition exclusion for certain benefits. Please see the Certificates of Insurance for full coverage details. Coverages are underwritten by The Manufacturers Life Insurance Company and its wholly owned subsidiary First North American Insurance Company. The Bank of Nova Scotia is not an insurer. All insurance claims must be forwarded to the insurance providers.
Apply Points to Travel redemptions are only permitted towards an eligible travel purchase charged to a Scotiabank credit card or debit card that earns Scene+ Points. Redemptions must be requested through sceneplus.ca or the Scene+ app within 12 months of the travel purchase transaction date. Minimum Scene+ Point redemption thresholds apply. For full terms and conditions, click here.
The savings of up to 25% applies to Avis base rates and is applicable only to the time and mileage charges of the rental. All taxes, fees (including but not limited Air Conditioning Excise Recovery Fee, Concession Recovery Fee, Vehicle License Recovery Fee, Energy Recovery Fee, Tire Management Fee, and Frequent Traveler Fee) and surcharges (including but not limited to Customer Facility Charge and Environmental Fee Recovery Charge) are extra. Avis Preferred Plus membership and services are provided by a third party. The Bank of Nova Scotia and its affiliates are not responsible for Avis Preferred Plus membership and services.
Terms and conditions apply. See the Scene+ program terms and conditions for full details.
Primary Cardholders with a valid Scotiabank Passport Visa Infinite Card account (the “Account”) have access to participating lounges within the Visa Airport Companion Program (“Program”), hosted and managed by DragonPass International Ltd. Cardholders must enroll for this benefit either through the Visa Airport Companion App (available to download for free) or on the Program Website (visaairportcompanion.ca) using a valid Card on the Account. Upon enrollment, 6 complimentary lounge visits will be available for the Primary Cardholder per membership year; the complimentary visits can be used by any Cardholder for themselves and for their accompanying guests at participating lounges (however, Primary Cardholder must be present for each such use). Lounge visits are counted on a per person per visit basis (e.g. lounge access by a Cardholder and one accompanying guest will count as two (2) visits). All additional visits beyond complimentary visits are subject to a fee of $32 USD (subject to change) per person per visit. Applicable lounge access fees will be charged to the Card connected to the Cardholders’ Program membership (i.e. the Card enrolled in Program).
The Program services and benefits are provided by DragonPass and applicable third party offer providers and neither Visa nor The Bank of Nova Scotia is responsible for the Program or any claims or damages arising from participation in the Program.
Unless the Program membership is suspended or cancelled, the Program membership and any included complimentary lounge visits (if applicable) will automatically renew annually on the anniversary date (based on date when the Cardholder enrolled for the Program). Program membership will be cancelled if your Scotiabank Passport Visa Infinite Card is cancelled. If your Scotiabank Passport Visa Infinite Card is renewed or replaced, remember to update your card details within the Visa Airport Companion Program (either on the App or on the Program Website).
Access upon presentation of a valid and enrolled Scotiabank Passport Visa Infinite Card, while available in most lounges within the Visa Airport Companion Program, is subject to availability.
Concierge Service provided by a duly licensed third-party premium concierge provider: AXA Assistance USA, Inc.
Apple Pay works with iPhone 6 and later in stores, apps, and websites in Safari; with Apple Watch in stores and apps; with iPad Pro, iPad Air 2, and iPad mini 3 and later in apps and websites; and with Mac in Safari with an Apple Pay enabled iPhone 6 or later or Apple Watch. For a list of compatible Apple Pay devices, see https://support.apple.com/km207105
Scotia Credit Card Protection is underwritten by Chubb Life Insurance Company of Canada under a Group Policy issued to The Bank of Nova Scotia. All coverage is subject to the terms and conditions outlined in the Certificate of Insurance which you will receive upon enrolment.
All Scotiabank retail credit cards, except ScotiaLine Visa Card, Scotiabank Value Visa Card, and No-Fee Scotiabank Value Visa Card, will have Visa payWave when issued or reissued. Visa payWave™ is a Trademark of Visa Int./Lic. User.
Visa Int. / Licensed User
Click to Pay is an online checkout solution provided by a third party that supports American Express, Mastercard and Visa cards and is based on EMV® SRC Specifications. The Bank of Nova Scotia is not responsible for this service.
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