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Mr. Loonie
Scotiabank Passport® Visa Infinite Privilege Card

Scotiabank Passport® Visa Infinite Privilege Card

Best for: High earners who travel often and want lounge visits and no foreign transaction fee

Your spending a month
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
Year one
$472
Every year after
$72

Ranked #76 of 176 for year one. See the list

See how we worked it out
Welcome offer you’d get
$400
Part of a $700 offer. Up to 80,000 Scene+ points.
Annual fee
$599 a year
Apply now on Scotiabank’s site (opens in a new tab)
Needs $150,000 personal or $200,000 household income
We may get paid if you apply through this link. It never changes our score.

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? What you’d earn Welcome offer Can I get it? Fees Similar cards
3 quick questions

Is it for me?

Do you spend $850 or more a month on hotels?

Is your personal income $150,000 or more, or your household’s $200,000 or more?

Do you pay your card off in full most months?

Answer the 3 questions to see if it fits.

From the numbers

The good and the bad

Stands out

  • Good: 6 points per $1 on hotels At our value for these points, that’s about 6% back.
  • Good: Welcome offer up to 80,000 Scene+ points About $800 at our value for these points.
  • Good: No foreign transaction fee Good for travel and shopping in other currencies.

Watch for

  • Watch for: $599 a year You need about $850 a month on hotels to earn it back.

Worked out from the card’s rates and fees.

Show your work

What you’d earn

With typical spending of $2,500 a month.

Scene+ points valued at 1¢ each.

  • Groceries $96
    1 point per $1 · 1% back $800 a month · 9,600 Scene+ points a year
  • Restaurants $60
    2 points per $1 · 2% back $250 a month · 6,000 Scene+ points a year
  • Gas $30
    1 point per $1 · 1% back $250 a month · 3,000 Scene+ points a year
  • Recurring bills $30
    1 point per $1 · 1% back $250 a month · 3,000 Scene+ points a year
  • Travel $54
    3 points per $1 · 3% back $150 a month · 5,400 Scene+ points a year
  • Everything else $78
    1 point per $1 · 1% back $650 a month · 7,800 Scene+ points a year
  • Foreign currency $18
    1 point per $1 · 1% back $150 a month · 1,800 Scene+ points a year
For you Year one Later years
Points you earn36,600 Scene+ points a year, at 1¢ each $366 $366
Welcome offer40,000 Scene+ points you’d reach $400 $0
Annual fee −$599 −$599
Foreign currency feeNo fee on $1,800 a year $0 $0
Lounge visits2 visits at $45 $90 $90
Travel medical insurance1 trip at $50 $50 $50
Rental car damage cover1 rental of 3 days at $35 a day $105 $105
Phone insurance$60 a year $60 $60
Total $472 $72

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
Travel
3 points per $1 Earn an extra 3 points when booked through Scene+ , powered by Expedia
Hotels
6 points per $1 Hotels and car rentals booked through Scene+ Travel
Restaurants
2 points per $1 Earn an extra 3 points when booked through Scene+ , powered by Expedia
Entertainment
2 points per $1
Everything else (base rate)
1 point per $1
  • 2 points per $1 spent on entertainment
  • 3 points per $1 spent on things to do (also referred to as activities bookings)
    • Earn an extra 3 points when booked through Scene+ , powered by Expedia
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

Welcome offer

Can your spending get the full offer?

At $2,500 a month, here’s when you’d reach each step.

  1. 1

    40,000 Scene+ points · about $400

    Spend $3,000 in your first 3 months.

    You’d reach it in month 2.

    • On purchases within the first 3 months
    • Earn an additional 30,000 bonus Scene+ points when you spend at least $20,000 in everyday eligible purchases in your first 6 months
    • Earn an additional 20,000 bonus Scene+ points when you make at least one eligible purchase that is posted to your new Account during the 14th month after the month the Account was opened
  2. 2

    30,000 Scene+ points · about $300

    Spend $20,000 in your first 6 months.

    You’d spend $15,000 by then, $5,000 short.

  3. 3

    10,000 Scene+ points · about $100

    Keep the card for a year.

    • Make at least one eligible purchase; during the 14th month after you open your account

Offer ends Jan 3, 2027.

Offer checked on Nov 8, 2026. Source

Before you apply

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 $150,000 or more Issuer says
  • Household income $200,000 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.

Checked on Nov 8, 2026. Source

Mr. Loonie’s tip Each application shows up on your credit file. Leave a few months between card applications.

What critics say

Other reviewers on this card

  • Frugal Flyer (opens in a new tab) May 2026

    “We only tend to see a couple of notable credit cards introduced every year, so it’s exciting that Scotiabank has added a new card to the premium credit card options that are available to Canadians. If you are interested in a premium credit card that earns Scene+ points, consider adding this card to your wallet.”

  • Rewards Canada (opens in a new tab) Jan 2025

    “With the Scotiabank Passport Visa Infinite Privilege card you get a well rounded ultra premium card that balances rewards and perks. It is a great choice for frequent travellers who do not have an allegiance to a single airline or frequent flyer program and want to ensure they are earning lots of points on those travel purchases.”

What cardholders say

Ratings from people with this card

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Insurance and perks

What comes with it

  • Car rental damage Included
  • Extended warranty Included
  • Purchase protection Included
  • Travel accident Included
  • Travel medical $5,000,000 per person
  • Trip cancellation Included
  • Trip interruption Included
  • Flight delay Included
  • Baggage delay Included
  • Lost baggage Included
  • Hotel burglary Included
  • Mobile device $1,000 per device
  • Lounges: Dragonpass 10 free visits
  • $250 annual travel credit
  • 10 complimentary airport lounge visits per year
  • Exclusive airport perks
  • Eligibility for premium benefits at over 200 Relais & Châteaux properties around the world
  • Enjoy 7 special benefits at over 900 hotels and an 8th exciting benefit at over 200 participating hotels
  • Exclusive benefits at over 60 Sandman, Sandman Signature, and Sutton Place Hotels across Canada with Visa RSVP Rewards
  • Avis® President’s Club membership
  • Trip Cancellation and Trip Interruption Insurance
  • Flight Delay Insurance
  • Lost Baggage and Delayed Baggage Insurance
  • Hotel Burglary Insurance
  • Mobile Device Insurance
Coverage limits

We haven’t recorded the coverage limits for this card yet. Read Scotiabank’s insurance certificate before you count on any coverage.

Fees and interest

What it costs

Annual fee
$599 a year
Purchase interest
20.99%
Cash advance interest
22.99%
Foreign currency fee
None
All fees and rates

Fees

Extra cards
$199
Fee waivers
Bank bundle (Enjoy a $150 reduction of your annual fee with an Ultimate Package account)
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

Before you decide

Similar cards for the same spending

With typical spending. This card: $472 year one, $72 every year after.

See all cards ranked for your spending

Some of these links pay us when you apply, at no extra cost to you. Most don’t, and pay never changes our score. How we make money

Common questions

Questions people ask

What is the annual fee on the Scotiabank Passport® Visa Infinite Privilege Card?

$599 a year. Each extra card costs $199.

How much is the Scotiabank Passport® Visa Infinite Privilege Card welcome offer worth?

Up to 80,000 Scene+ points, about $800. You get it in 3 steps: 40,000 Scene+ points after you spend $3,000 in the first 3 months; 30,000 Scene+ points after you spend $20,000 in the first 6 months; 10,000 Scene+ points on your first card anniversary.

What income do I need?

Scotiabank asks for $150,000 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 and 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.

Spot something wrong? We’ll check it with the bank. Suggest a correction

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.

Mr. Loonie is independent and supported by affiliate links. We may earn a commission when you apply through some links, at no cost to you. How we make money

$472
year one for you
Apply now on Scotiabank’s site (opens in a new tab)
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