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$175
Scotiabank Passport® Visa Infinite* Privilege Card
Points Calculator
$175 Cash Rebate From FinlyWealth
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 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 valid from October 31, 2025 - January 2026.
Annual Income
Personal: $150,000
Household: $200,000
Credit Score Estimate
300Poor
560Fair
660Good
725Very Good
760Excellent
Card Type
Credit
Finly 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.
Rewards Breakdown
Rewards Summary
Point Redemptions
Redemption Method
Net Value (After Annual Fee)
Insurance & Benefits
Insurance
Coverage
Mobile Device Insurance
$1,000
Travel Medical Insurance
$5M/insured up to 31 daysTravel Medical Insurance (65+)
$5M/insured up to 10 days
Trip Cancellation
$2,500/person, $10,000/trip
Trip Interruption
$5,000/person, $25,000/trip
Flight Delay
$1000/person
Lost or Stolen Baggage
$2,500/person (max $5,000 per trip)Baggage Delay
$1000/person
Hotel Burglary Insurance
$2,500
Common Carrier Travel Accident Insurance
$500,000/insured.svg)
Car Rental Damage & Theft
Covers vehicles MSRP ≤ $85k, rentals ≤ 48 days
Purchase Protection
180 days
Extended Warranty
2 years
Benefits
Details
No Foreign Transaction Fees
Avoid the usual 2.5% forex fees on your purchases when you travel outside of Canada.svg)
Travel Credit
$250 annual Scene+ Travel credit – automatic statement credit on your first Expedia‑powered booking each membership year.
Airport Lounge - Dragon Pass
10 Free complimentary visits.svg)
Status lift
Avis President’s Club membership – two class upgrades, priority service..svg)
Concierge Services
24/7 Visa Infinite Privilege concierge (English & French)
Visa Infinite Exclusive Benefits
Priority Travel
Dedicated security and taxi lanes, valet and parking discounts at select Canadian airports.
Pros & Cons
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.
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.
Legal
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.