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Scotiabank Passport Visa Infinite Privilege

4.5

/5

Scotiabank

Visa

Scotiabank Passport® Visa Infinite* Privilege CardPoints Calculator

Earn up to 80,000 bonus Scene+ points

Our Take

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, an annual Scene+ Travel credit that’s as good as cash when you book through Expedia, and complimentary DragonPass lounge visits each year. Pair that with no foreign‑currency markup, rich earn rates on travel and dining/entertainment, and unusually comprehensive travel insurance, and the annual fee can pay for itself quickly for anyone who travels a few times a year.

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Card Details

Interest Rates


Purchase: 20.99%

Cash Advance: 22.99%

Balance Transfer: 22.99%

Annual Fees


Main Card: $599

Additional Cards: $199

Welcome Bonus


  • Earn up to 80,000 bonus Scene+ points ($800 value) within your first 14 months1
  • 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.
  • Offer date: May 1, 2026 and November 1, 2026.
  • Rates, fees and other information are effective as of May 1, 2026. Subject to change.

Annual Income


Personal: $150,000

Household: $200,000

Credit Score Estimate


300
Poor
560
Fair
660⁎
Good
725⁎
Very Good
760⁎
Excellent
⁎Estimates based on Equifax scoring

Card Type


Credit

Reward Type


Type: Points

Loyalty Program: Scene+

Our Rating


4.5/5

Institution


Scotiabank

How You Earn Rewards


  • 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. That's a total of 6X the points!
  • 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.

Annual Rewards Breakdown




Annual Rewards Summary




Point Redemptions

Redemption Method

Net Value (After Annual Fee)




Insurance & Benefits

13 insurance
8 benefits

Insurance

Coverage

  • mobile device insurance

    Mobile Device Insurance

    $1,000
  • travel accident medical

    Travel Medical Insurance (64 & under)

    $5M/insured up to 31 days
  • travel accident medical

    Travel Medical Insurance (65 to 75)

    $5M/insured up to 10 days
  • cancel airplane

    Trip Cancellation

    $2,500/person, $10,000/trip
  • pause

    Trip Interruption

    $5,000/person, $25,000/trip
  • hourglass timer

    Flight Delay

    $1,000/person
  • lost baggage

    Lost or Stolen Baggage

    $2,500/person (max $5,000 per trip)
  • hourglass timer

    Baggage Delay

    $1,000/person
  • burglar

    Hotel Burglary Insurance

    $2,500
  • heart lock

    Common Carrier Travel Accident Insurance

    $500,000/insured
  • car insurance

    Car Rental Damage & Theft

    Covers vehicles MSRP ≤ $85k, rentals ≤ 48 days
  • purchase protection

    Purchase Protection

    180 days
  • extended warranty

    Extended Warranty

    2 years
  • Benefits

    Details

  • exchange money

    No Foreign Transaction Fees

    Avoid the usual 2.5% forex fees on your purchases when you travel outside of Canada
  • travel

    Travel Credit

    $250 annual Scene+ Travel credit – automatic statement credit on your first Expedia‑powered booking each membership year.
  • alcohol cheers

    Airport Lounge - Dragon Pass

    10 Free complimentary visits
  • gas station

    Gas Discount2

    Get up to 10¢/L in value on fuel purchases at Shell stations
  • star fall

    Status lift

    Avis President’s Club membership – two class upgrades, priority service.
  • concierge

    Concierge Services

    24/7 Visa Infinite Privilege concierge (English & French)
  • exclusive

    Visa Infinite Exclusive Benefits

  • airport waiting room

    Priority Travel

    Dedicated security and taxi lanes, valet and parking discounts at select Canadian airports.
  • Pros & Cons


    Pros

    • No foreign transaction fees
    • Generous welcome bonus
    • Annual travel credit
    • Shell Fuel Savings
    • Airport lounge access
    • Accelerated earn rates
    • Comprehensive coverage
    • Premium extras

    Cons

    • Higher annual fee
    • Steep qualifications bar
    • Fixed-value Scene+ points

    1 Offer Description and Conditions: The 80,000 Bonus Scene+ Points Offer (the “Offer”) applies only to new Scotiabank Passport® Visa Infinite Privilege* credit card accounts (“Account”) opened between May 1, 2026 and November 1, 2026 (regardless of the date you apply for the Account) and is subject to the conditions below. To qualify for 30,000 bonus Scene+ points (the “30,000 Point Bonus”), you must have at least $3,000 in eligible purchases posted to your new Account in the first 3 months of the Account open date. To qualify for an additional 30,000 bonus Scene+ points (the “Additional 30,000 Point Bonus”), you must have at least $20,000 in eligible purchases posted to your new Account in the first 6 months of the Account open date.  To qualify for an additional 20,000 bonus Scene+ points (the “Additional 20,000 Point Bonus”), you must make at least one eligible purchase that is posted to your new Account during the 14th month after the month the Account was opened. 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. 


    Point Bonus Fulfillment: The applicable point Bonus(es) will be credited to the Scene+ account within approximately 8 weeks after qualifying for a Bonus, 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 as follows: (i) the 30,000 Point Bonus and Additional 30,000 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., $3,000 or $20,000) in the appropriate time frame (i.e., first 3 months or first 6 months), and (ii) the Additional 20,000 Point Bonus will be credited to the Scene+ account linked to the Account of the borrower that completed the first transaction that qualifies as an eligible purchase during the 14th month after the month the Account was opened. If a supplementary cardholder completes the last qualifying transaction to meet the qualifying amount of eligible purchases for the 30,000 Point Bonus or the Additional 30,000 Point Bonus, or completes the first transaction that qualifies for the Additional 20,000 Point Bonus, the applicable point Bonus will be credited to the Primary Borrower’s Scene+ account linked to the 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 Scene+ Program Terms continue to apply during the Offer period. Offer may be changed, cancelled or extended at any time without notice 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: The current annual fee is $599 for the primary card and $199 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.


    2 Get up to 7 cents per litre in instant fuel discounts for a limited time and earn up to 3 cents per litre in Scene+ points value with an eligible Scotiabank Passport Visa Infinite + card linked to a Shell Go+ Account:

     

    • Instant 3 cents per Litre Discount on Fuel Purchases (All Grades): Receive an instant 3 cents per litre discount on purchases of fuel (all grades) (“Fuel Purchases (All Grades)”) at participating Shell locations in Canada when you use any eligible Scotiabank debit card or credit card linked to a Shell Go+ Account, up to a maximum of 1,000 litres per month per Scotiabank debit card and per Scotiabank credit card account. This total limit resets at the start of each new month per payment card account. This discount is subject to the Scotiabank Fuel Benefit Terms and Conditions.
    • Instant 4 cents per Litre Discount on Premium Fuel: Between May 26, 2026 and June 1, 2027 (“Promotional Period”), receive an instant 4 cents per litre discount on  purchases of V-Power® gasoline, or V-Power® diesel (“Premium Fuel Purchases”) at participating Shell locations in Canada when you use any eligible Scotiabank credit card that earns Scene+ points linked to a Shell Go+ Account, up to a maximum of 1,000 litres per month per credit card account. This total limit resets at the start of each new month per credit card account. This promotional offer, including the Promotional Period, may be changed, extended, or withdrawn at any time without notice. These promotional offer terms are in addition to the Scotiabank Fuel Benefit Terms and Conditions.  
    • Earn up to 3 cents per Litre in Scene+ points Value (Equivalent) on Fuel Purchases: Each time you use your linked Scotiabank credit card that earns Scene+ points on Fuel Purchases (All Grades) at participating Shell locations in Canada, you will earn at least 1 Scene+ point per $1 spent.  Plus, as a Scene+ Member you will also automatically earn 1 Scene+ point for each litre in Fuel Purchases (All Grades), and as a Shell Go+ member, automatically earn 1 additional Scene+ point for each litre in Premium Fuel Purchases, made with your linked Scotiabank credit card. This means that for every litre in fuel purchased with your linked credit card, you can earn the equivalent of up to 3 cents of redeemable Scene+ points value based on a redemption value of $10 for every 1,000 Scene+ points redeemed for fuel purchases at participating Shell locations.  Actual value may be lower depending on how you choose to redeem your Scene+ points. Earn and redemption limits may apply.See the Scene+ Program Terms and Conditions available at sceneplus.ca/terms-and-conditionsopens in a new tab for full details including redemption options and additional terms. 

     

    Note: Highest value of 10 cents per litre assumes a Premium Fuel Purchase made with a Scotiabank Passport Visa Infinite + Card linked to a Shell Go+ Account. Actual value will vary depending on payment card used and whether or not the card is linked, fuel grade purchased, and how you choose to redeem your Scene+ points.


    Terms and conditions apply. See Card Provider's website and Card Application for complete card details, terms and current offers. Reasonable efforts are made to maintain accuracy of information.