Scotiabank Passport™ Visa Infinite+ Card
Best for: Travellers who want lounge visits and no foreign transaction fee
What’s in each?
- Light:
- Groceries $400, restaurants $100, gas $100, recurring bills $100, everything else (base rate) $250, foreign currency $50
- Typical:
- Groceries $800, restaurants $250, gas $250, recurring bills $250, travel $150, everything else (base rate) $650, foreign currency $150
- Big:
- Groceries $1,200, restaurants $500, gas $400, recurring bills $400, travel $500, everything else (base rate) $1,600, foreign currency $400
- Yours:
- Your own amounts, saved on this device only
Ranked #25 of 176 for year one. See the list
See how we worked it out- Welcome offer you’d get
- $350
- All of year one’s offer. Up to 45,000 Scene+ points.
- Annual fee
- $0 first year
- Then $150 a year
Have this card?
Details from Scotiabank’s site. Banks can update terms at any time, so give them a quick look before you apply. Source
Is it for me?
Do you spend $350 or more a month on hotels?
Is your personal income $60,000 or more?
Do you pay your card off in full most months?
Answer the 3 questions to see if it fits.
The good and the bad
Stands out
- Good: 4 points per $1 on hotels At our value for these points, that’s about 4% back.
- Good: No fee in the first year Then $150 a year.
- Good: Welcome offer up to 45,000 Scene+ points About $450 at our value for these points.
Watch for
- Watch for: $150 a year from year two You need about $350 a month on hotels to earn it back.
Worked out from the card’s rates and fees.
What you’d earn
With typical spending of $2,500 a month.
Scene+ points valued at 1¢ each.
Rows are rounded to the dollar. Insurance counts at what the same cover costs on its own, and only pays when you charge the trip, rental or phone to the card.
What counts in each category
- Groceries
- 3 points per $1 Up to $50,000 in spending per year (shared with other categories). At Sobeys, Safeway, Foodland, participating IGA and more. 2 points at other grocery stores
- Restaurants
- 2 points per $1 Up to $50,000 in spending per year (shared with other categories). On daily transit purchases (including buses, subways, taxis and more)
- Entertainment
- 2 points per $1 Up to $50,000 in spending per year (shared with other categories).
- Transit
- 2 points per $1 Up to $50,000 in spending per year (shared with other categories).
- Hotels
- 4 points per $1 Hotels and car rentals booked through Scene+ Travel
- Everything else (base rate)
- 1 point per $1
- 2 points per $1 spent on Entertainment purchases (on first $50,000 spent)
- 3 points per $1 spent at Sobeys, Safeway, IGA, Foodland & Participating Co-ops
- Earn 10,000 bonus Scotia Rewards points when you spend at least $40,000 in everyday eligible purchases annually.
- You can convert your Scotia Rewards points to SCENE or your SCENE points to Scotia Rewards points instantly, anytime you want.
How Scene+ points work, and why 1¢
We count Scene+ points at 1¢ each, a typical value when you use them well. Depending on how you use them, they’re usually worth 0.6¢ to 1¢.
We set one value per points program and use it on every card in that program, so you can compare points cards and cash back cards on the same scale.
These are example budgets to compare cards side by side, not averages. Your own spending will give a different number.
Checked on Nov 8, 2026. Source
Can your spending get the full offer?
At $2,500 a month, here’s when you’d reach each step.
-
1
15,000 Scene+ points · about $150
Spend $3,000 in your first 3 months.
You’d reach it in month 2.
- On purchases within the first 3 months
-
2
20,000 Scene+ points · about $200
Spend $10,000 in your first 6 months.
You’d reach it in month 4.
-
3
10,000 Scene+ points · about $100
Keep the card for a year.
- Spend at least $40,000 on eligible purchases each year; each year
Offer ends Jan 3, 2027.
Offer checked on Nov 8, 2026. Source
Can I get it?
- Age 18 or older 19 or older in BC, NB, NL, NS and the territories
- Where you live Canada
- Personal income $60,000 or more Issuer says
- Newcomer program Scotiabank StartRight For permanent residents in Canada 5 years or less, international students and foreign workers. No Canadian credit history needed, with a limit up to $15,000. Foreign workers need a letter from their employer confirming income.
- Credit score No minimum on record Most banks don’t publish one, and we don’t guess.
Mr. Loonie’s tip Each application shows up on your credit file. Leave a few months between card applications.
Other reviewers on this card
-
9.2
“My review of the Scotiabank Passport is positive. The 25,000 ($250) bonus awarded when you spend $2,000 within 3 months is easy to redeem and is double the annual fee. This is before considering your savings on FX. Factor in the 2% rewards rate (2 Scene+ points) earned per $1 spending on groceries, dining, entertainment, and transit, plus the $379 in lounge access if you travel often, and this card solidifies its inclusion among the best travel cards in Canada.”
-
Money.ca (opens in a new tab) Jul 20269
“Scotiabank loves packing its cards with perks, even if they’re not always laser-focused. But with a name like Passport, the Scotiabank Passport Visa Infinite + is clearly aimed at travellers—or at least mostly. Its biggest win? No foreign transaction fees—a rare feature among major Canadian banks, and now possibly unique since RBC absorbed HSBC. That alone makes it worth a look for frequent travellers. Beyond that, it’s a solid Scene+ earner on everyday spending, comes with free annual lounge passes (including Plaza Premium), and offers a first-year annual fee waiver—a nice bonus for the points-savvy.”
-
Frugal Flyer (opens in a new tab) May 2026
“The Scotiabank Passport Visa Infinite+ Card is one of a kind in Canada and presents a unique value proposition for those individuals who are interested in a travel credit card but are not interested in shelling out hundreds of dollars in annual fees. If this sounds like you, consider adding this card to your wallet in advance of your next vacation to enjoy the benefits that come with it!”
-
NerdWallet (opens in a new tab) Jan 202610
“A competitive travel card that earns up to 3x Scene+ points on everyday purchases, and comes with six complimentary airport lounge visits and no foreign transaction fees. While you can earn accelerated points (3x) on travel purchases, they must be made through the Scene+ Travel platform, which may feel limiting for some users. Best for: Frequent travellers who shop regularly at Scene+ partner grocery stores, spend big abroad and are looking for airport lounge access.”
-
Forbes (opens in a new tab) Jan 20248
“Scotiabank itself suggests cardholders shouldn’t apply for a Scotiabank Passport Visa Infinite Card if they plan on carrying an outstanding balance for a long period of time. It also suggests cardholders leery of annual fees, or who rarely travel, may not find it terribly useful. That said, frequent fliers who find themselves paying through the nose on foreign transaction fees and interest may find the Scotiabank Visa Infinite Card to be a worthwhile addition to their wallets. Its lounge access program is a great perk for weary travelers waiting for their next flight.”
-
Rewards Canada (opens in a new tab) Mar 2023
“You get a well rounded card that curbed the give and take - it gives you almost everything you need in travel rewards credit card.”
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What comes with it
- Car rental damage Included
- Extended warranty Included
- Purchase protection Included
- Travel accident Included
- Travel medical $2,000,000 per person
- Trip cancellation Included
- Trip interruption Included
- Flight delay Included
- Baggage delay Included
- Lost baggage Included
- Hotel burglary Included
- Lounges: Dragonpass 6 free visits
- Complimentary Airport Lounge Access, 6 free lounge visits per year
- Complimentary Priority Pass membership
- Trip Cancellation / Trip Interruption Insurance
- Flight Delay Insurance
- Delayed and Lost Baggage Insurance
- Hotel/Motel Burglary Insurance
- Visa Infinite Benefits & Luxury Hotel Collection
- Book your next getaway through the Scotia Rewards Travel Service and take advantage of the Best Price Guarantee on airfare.
- Complimentary Avis Preferred Plus membership
- Mobile wallets Apple Pay
Coverage limits
We haven’t recorded the coverage limits for this card yet. Read Scotiabank’s insurance certificate before you count on any coverage.
Not included
Not listed for this card: mobile device.
What it costs
- Annual fee
- $0 first year Then $150 a year
- Purchase interest
- 20.99%
- Cash advance interest
- 22.99%
- Foreign currency fee
- None
All fees and rates
Fees
- Extra cards
- None
- Fee waivers
- First year: $150 off (If you have a new or existing Ultimate Package chequing account, the ongoing annual fee will be waived. ; If you have a new or existing Preferred Package chequing account, the first year annual fee will be waived.)
- Cash advance fee
- 1%, Minimum of $5
- Balance transfer fee
- 1%, Minimum of $5
- Over-limit fee
- $29
- Late payment fee
- None
- Source
- Issuer page
Interest rates
- Balance transfer interest
- 22.99%
- Source
- Issuer page
Read the card terms and conditions for the full terms.
Checked on Nov 8, 2026. Source
Similar cards for the same spending
With typical spending. This card: $1,117 year one, $617 every year after.
-
American Express Cobalt™
Year one $1,651Every year after $1,396 -
Scotiabank Gold American Express® Card
Year one $1,825Every year after $1,055 -
RBC Ion+ Visa
Year one $1,245Every year after $1,007 -
National Bank World Elite Mastercard
Year one $1,099Every year after $904
See all cards ranked for your spending
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Questions people ask
What is the annual fee on the Scotiabank Passport™ Visa Infinite+ Card?
$0 the first year, then $150 a year.
How much is the Scotiabank Passport™ Visa Infinite+ Card welcome offer worth?
Up to 45,000 Scene+ points, about $450. You get it in 3 steps: 15,000 Scene+ points after you spend $3,000 in the first 3 months; 20,000 Scene+ points after you spend $10,000 in the first 6 months; 10,000 Scene+ points on your first card anniversary.
What income do I need?
Scotiabank asks for $60,000 in personal income.
Does it charge a foreign transaction fee?
No. Purchases in other currencies have no extra fee.
What is the interest rate?
20.99% on purchases. Cash advances are 22.99%.
Does it include insurance?
It lists extended warranty, purchase protection, trip cancellation / trip interruption insurance and flight delay insurance. Read the insurance certificate for the limits.
Rates, fees and offers come from the card issuers and change often. We work to keep this page accurate and current, but it may contain mistakes, so always check the issuer’s terms before you apply. This page is general information and isn’t financial advice.
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Card names, logos and trademarks belong to their owners. No issuer wrote, paid for or approved what we say about this card. Our scores and opinions are our own.
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