Scotiabank Passport® Visa Infinite* Privilege Card vs Scotiabank® Scene+ Visa Card: Which one is better?

Scotiabank Passport® Visa Infinite* Privilege Card
4.5

Scotiabank® Scene+ Visa Card
3.3
Finly Rebate
Finly Rebate
Rewards Breakdown
Annual Rewards
$322.93
Scene+
First Year Bonus Value
$300
Scene+
Annual Fee
$599
First Year Value
$23.93
-$276.07 in years after
Based on $2,000/mo average spending. Calculate your rewards.
Rewards Breakdown
Annual Rewards
$245.65
Scene+
First Year Bonus Value
$50
Scene+
Annual Fee
$0
First Year Value
$295.65
$245.65 in years after
Based on $2,000/mo average spending. Calculate your rewards.
Insurance Included*
Lost or Stolen Baggage
$2,500/person (max $5,000 per trip)Baggage Delay
$1000/personCar Rental Damage & Theft
Covers vehicles MSRP ≤ $85k, rentals ≤ 48 daysTravel Accident
$500,000/insuredMobile Device Insurance
$1,000Extended Warranty
2 yearsPurchase Protection
180 daysHotel Burglary Insurance
$2,500Emergency Out of province Medical
$5M/insured up to 31 daysEmergency Medical Over 65
$5M/insured up to 10 daysTrip Cancellation
$2,500/person, $10,000/tripTrip Interruption
$5,000/person, $25,000/tripFlight Delay
$1000/person
Insurance Included*
N/A
Extra Benefits*
No Foreign Transaction Fees
Avoid the usual 2.5% forex fees on your purchases when you travel outside of CanadaVisa Infinite Exclusive Benefits
Airport Lounge - Dragon Pass
10 Free complimentary visitsConcierge Services
24/7 Visa Infinite Privilege concierge (English & French)Status lift
Avis President’s Club membership – two class upgrades, priority service.Travel Credit
$250 annual Scene+ Travel credit – automatic statement credit on your first Expedia‑powered booking each membership year.Priority Travel
Dedicated security and taxi lanes, valet and parking discounts at select Canadian airports.
Extra Benefits*
Car Rental Discount
25% off base rate of Avis Rent A Car and Budget Rent A Car
Interest Rates*
Purchase:
20.99%
Cash Advance:
22.99%
Balance Transfer:
22.99%
Interest Rates*
Purchase:
20.99%2
Cash Advance:
22.99%2
Balance Transfer:
22.99%2
Annual Fee*
$599
Annual Fee*
$0
Income Required*
Min Personal Income:
$150,000
Min Household Income:
$200,000
Income Required*
Min Personal Income:
N/A
Min Household Income:
N/A
Welcome Bonus*
Earn 30,000 bonus Scene+ points by making at least $3,000 in everyday eligible purchases in your 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.
Welcome Bonus*
Earn 2,500 bonus Scene+ points by making at least $250 in everyday eligible purchases in your first 3 months. You are eligible to earn an additional 2,500 Scene+ point bonus when you spend at least $1,000 in everyday eligible purchases in your first 3 months. Terms Apply.
Rewards Rate*
- Earn 3x the Scene+ points for every $1 you spend on eligible travel purchases. Plus, earn an extra 3X the points on hotel bookings, car rentals, and things to do when you book through Scene+ Travel, Powered by Expedia.
- Earn 2X the Scene+ points for every $1 you spend on eligible dining and entertainment.
- Plus, earn 1X the Scene+ points for every $1 you spend on all other eligible purchases.
Rewards Rate*
- Earn 2x Scene+ points on every $1 you spend at Sobeys, Safeway, IGA, Foodland, participating Co-ops, Freshco and more
- Earn 2x Scene+ points for every $1 you spend on Home Hardware, Home Building Center, Home Furniture locations in Canada and online at homehardware.ca
- Earn 2x Scene+ points for every $1 you spend at Cineplex theatres or online at cineplex.com
- Plus earn 1 Scene+ point for every $1 spent on all other eligible everyday purchases
- Earn additional benefits + up to 4x Scene+ points for every dollar you spend on hotel bookings, car rentals, and things to do with Scene+ Travel, Powered by Expedia
Point Redemption Options*
Entertainment
1¢ / pointTravel
1¢ / pointGroceries (Sobeys)
1¢ / pointRestaurants
1¢ / pointMerchandise
0.76¢ / pointGift Cards
0.74¢ / pointStatement Credits (Cash)
0.7¢ / point
Point Redemption Options*
Entertainment
1¢ / pointTravel
1¢ / pointGroceries (Sobeys)
1¢ / pointRestaurants
1¢ / pointMerchandise
0.76¢ / pointGift Cards
0.74¢ / pointStatement Credits (Cash)
0.7¢ / point
Is this card worth it?
For frequent flyers who want a single card that handles almost every travel need, this one’s hard to beat. It offers a hefty intro bonus of up to 80 k Scene+ points (worth roughly $800 toward travel), an annual $250 Scene+ Travel credit that’s as good as cash when you book through Expedia, and ten complimentary DragonPass lounge visits each year. Pair that with no 2.5% foreign‑currency markup, rich earn rates on travel (3x) and dining/entertainment (2x), and unusually comprehensive travel insurance, and the $599 fee can pay for itself quickly for anyone who travels a few times a year.
Is this card worth it?
We like this card because it offers solid rewards with no annual fee, including the opportunity to earn up to 5,000 bonus Scene+ points within the first 3 months. With 2x Scene+ points on purchases at popular grocery stores, home improvement retailers, and Cineplex, plus 1x points on all other purchases, it's a great option for maximizing everyday spending.
Pros
- No foreign‑transaction surcharge on any purchase made in a currency other than CAD—saves 2.5% every time.
- Up to 80k Scene+ welcome points after meeting tiered spending targets (up to $800 in value).
- $250 annual travel credit you can apply to flights, hotels, cars, or packages booked through Scene+ Travel.
- 10 free DragonPass lounge visits per membership year (primary cardholder and each supplementary card have their own quota).
- Accelerated earn rates: 3x points on travel and 2x on dining & entertainment, 1x everywhere else.
- Extensive protection: $5M emergency medical (31 days, 10 days if 65+), trip‑cancel/interruption, flight & baggage delay, car rental‑LDW, mobile‑device, purchase security & extended warranty.
- Premium extras such as Avis President’s Club, Relais & Châteaux, Visa Infinite Privilege concierge, wine‑country and dining‑series perks.
Pros
- No Annual Fee: Enjoy all the benefits without any yearly cost.
- Universal Rewards: Earn rewards on every purchase, no matter where you shop.
- Flexible Redemption: Redeem your rewards with a variety of options tailored to your needs.
Cons
- High annual fee: $599 for the primary card and $199 per supplementary card.
- Steep qualification bar: personal income $150k, household $200k, or $400k in assets.
- Scene+ points are fixed‑value, so there’s no “first‑class sweet‑spot” like with airline programs.
- Not suited to carrying a balance – 20.99% purchase rate and 22.99% cash‑advance/BT.
- Lounge benefit is visit‑based (no restaurant credits) and relies on DragonPass locations and capacity.
Cons
- Limited Accelerated Categories: Fewer opportunities to earn bonus points in specific categories.
- Specific Grocery Partners: Rewards at grocery stores are limited to select partners.
- Lacks Travel Insurance: Missing some of the common travel insurance coverages offered by other cards.


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