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Scotiabank Passport Visa Infinite Card Review 2024: Is It Worth It?

Dec 10, 2024The Scotiabank Passport Visa Infinite Card earns Scene+ points and offers travel perks, such as no foreign transaction fees and airport lounge access.
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The Scotiabank Passport® Visa Infinite* Card is a travel rewards card that earns Scene+ points, a reward program from Scotiabank and Cineplex. Points can be redeemed for entertainment, travel, dining and more.

Annual fee$150
Regular APR20.99% / 22.99%
Rewards rate1x-3x Points
APPLY NOW
on Scotiabank's website

What our Nerd thinks:

"As far as travel cards are concerned, the Scotiabank Passport® Visa Infinite* Card is missing a few perks that may be a dealbreaker for the seasoned jet-setter, like free checked bags and priority boarding. Still, I think it shines as a mid-tier travel card with plenty to offer everyday spenders and travel enthusiasts alike."

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Scotiabank Passport® Visa Infinite* Card full review

Scotiabank Passport® Visa Infinite* Card is one of three Visa credit cards offered from Scotiabank that earn Scene+ points. It has the highest earn rate of the three cards, with 3x Scene+ points per dollar spent at eligible grocery stores.

Benefits of the Scotiabank Passport® Visa Infinite* Card

  • No foreign transaction fees. 

  • Complimentary membership to the Visa Airport Companion Program and six free airport lounge passes per year. 

  • Complimentary Avis Preferred Plus membership.

  • Access to Visa Infinite Concierge Service, Visa Infinite Hotel Collection, which includes automatic room upgrades and in-room Wi-Fi, and Visa Infinite Dining and Wine Country — an exclusive dining program. 

Drawbacks of the Scotiabank Passport® Visa Infinite* Card

  • Annual fee ($150) may not be in everyone’s budget. 

  • Highest earn rate (3x Scene+ points) is only available for select grocery stores. 

Who should get the Scotiabank Passport® Visa Infinite* Card?

People who travel regularly, spend money abroad and shop at eligible grocery stores will get the most value out of the Scotiabank Passport® Visa Infinite* Card.

Is the Scotiabank Passport® Visa Infinite* Card worth it?

The Scotiabank Passport® Visa Infinite* Card may be worth it if you’re able to make the most of the benefits and perks to offset the annual fee. If you’re able to spend the required amount within the first year of ownership, you can earn the welcome bonus of 35,000 Scene+ points ($350). You’ll also save money on foreign transactions, which carry a 2.5% fee on most Canadian credit cards, and on airport lounge access. So if you’re planning to travel abroad or fly a lot in the first year, the card could be a good option for you.

» MORE: Best credit cards with airport lounge access

Scotiabank customer ratings

  • Above average in customer satisfaction: Scotiabank ranks 9th out of 13 banks in J.D. Power’s 2024 Canada Credit Card Satisfaction Study.

  • Low Trustpilot rating: 1.2 out of 5 possible stars based on over 1,000 customer reviews, as of this writing.

  • Low Better Business Bureau rating: 1.22 out of 5 possible stars based on over 100 customer reviews, as of this writing.

Scotiabank Passport® Visa Infinite* Card eligibility

Who qualifies for the Scotiabank Passport® Visa Infinite* Card?

To apply for the Scotiabank Passport® Visa Infinite* Card, you must:

  • Be at least the age of majority in your province. 

  • Be a Canadian resident.

  • Have not filed for bankruptcy in the last seven years. 

  • Have an individual annual income of at least $60,000 (or $100,000 per household) or at least $250,000 in managed assets.

Approximate credit score needed for approval

Canadian credit card issuers rarely disclose required credit scores, which makes it hard to know your chances of approval when comparing credit cards. However, higher scores generally mean better chances of approval, and that’s true regardless of the type of credit you’re applying for. Want to learn more? Visit our “What Credit Score is Needed for a Credit Card?” page.

Scotiabank Passport® Visa Infinite* Card rewards

Earn 35,000 bonus Scene+ points in the first year.

To qualify:

  • Earn 25,000 bonus Scene+ points by making at least $1,000 in everyday eligible purchases in your first 3 months.

  • Plus, as a Scotiabank Passport Visa Infinite cardholder, you are eligible to earn an annual 10,000 Scene+ point bonus when you spend at least $40,000 in everyday eligible purchases annually.

If you meet the requirements to earn all the welcome offer points, your account will be credited in two installments:

  1. 25,000 bonus Scene+ points will be credited to the applicable  Scene+ membership account within approximately 2-3 business days after the qualifying $1,000 in eligible purchases being posted to your Account within the first 3 months of Account opening.

  2. Annual 10,000 bonus Scene+ points will be credited to your Scene+ membership account within approximately 2-3 business days after you have met the $40,000 annual spend threshold. 

Offer expires Oct. 31, 2024.

How to apply for the Scotiabank Passport® Visa Infinite* Card

Follow the below steps to apply for the Scotiabank Passport® Visa Infinite* Card:

  • Click the “Apply now” button on the issuer’s website for the Scotiabank Passport® Visa Infinite* Card.

  • Indicate whether you’re a current or new Scotiabank customer, and either sign into your account or apply as a new customer.

  • Review the card details and click “Agree and continue”.

  • Enter personal information, such as your name, phone number and email address. 

  • Create a username and password. 

  • Provide any financial and employment information, such as your income and job status. 

  • Submit any other requested documentation. 

  • Review your application and submit. 

Scotiabank Passport® Visa Infinite* Card vs TD® Aeroplan® Visa Infinite* Card

These two cards share similar annual fees, interest rates and Visa Infinite perks, but differ when it comes to rewards. If you’re keen on racking up Scene+ points, the Scotiabank Passport® Visa Infinite* Card is the better choice, but if you’re an Air Canada fan, the TD® Aeroplan® Visa Infinite* Card can help you earn Aeroplan points.

Annual fee$150
Regular APR
20.99% / 22.99%
Rewards rate
1x-3x Points
Sign-up bonus
Up to 35,000 Points
Recommended credit scoreN/A
APPLY NOW
on Scotiabank's website

Annual fee
$139
First year rebate available
Regular APR
20.99% / 22.99%
Rewards rate
1x-1.5x Points
Sign-up bonus
Up to 50,000 Points
Recommended credit scoreN/A
APPLY NOW
on TD's website

Reasons you might want a different card

You may want a different card if:

  • You want to earn a different reward, like Aeroplan points, Air Miles or cash back.

  • You want a card with no annual fee or a lower annual fee. 

  • You need a card with a low interest rate on purchases or balance transfers. 

  • You don’t travel outside of Canada or make foreign purchases very often.

Scotiabank Passport® Visa Infinite* Card facts

Scotiabank Passport® Visa Infinite* Card

Card type

Travel credit card.

Fees and interest rates

Annual fee

$150.

Regular/purchase APR

20.99%.

Penalty APR

25.99% if you miss two payments within 12 months. This penalty APR will stay in place until you’ve made 12 consecutive payments on time.

Cash advance APR

22.99%.

Cash advance fee

$5 to $7.50 per transaction.

Balance transfer APR

22.99%.

Balance transfer fee

3% or $5 per transaction, depending on the amount.

Foreign transaction fee

No foreign transaction fee.

Rewards and benefits

Intro offer

To qualify for the 35,000 bonus Scene+ points offer: 1. Earn 25,000 bonus Scene+ points by having at least $1,000 in eligible purchases posted to your new Account in the first 3 months of the Account open date. 2. You are eligible to earn an annual Scene+ point bonus starting at 10,000 Scene+ points when you have at least $40,000 in eligible purchases posted to your Account each year (12 months). Offer ends October 31, 2024.

Reward earn rates

Earn 3x Scene+ points¹ on every $1 you spend at Sobeys, Safeway, IGA, Foodland and participating Co-ops and more. Earn 2x Scene+ points¹ for every $1 you spend on other eligible grocery stores, dining, eligible entertainment purchases and eligible daily transit options (including rideshares, buses, subways taxis and more). Plus earn 1 Scene+ point for every $1 spent on all other eligible everyday purchases.

Insurance coverage

Travel accident

Up to $1 million, per occurrence.

Travel medical

Up to $2 million.

Flight delay

Up to $500.

Trip interruption

Up to $10,000.

Trip cancellation

Up to $10,000.

Lost, stolen or delayed baggage

Up to $1,000.

Hotel burglary

Up to $1,000.

Rental car theft/damage

Up to 48 days.

Extended warranty

Up to one additional year.

Purchase protection

90 days.

Methodology

BACK TO TOP

NerdWallet Canada rates credit cards according to overall consumer value and their suitability for specific kinds of consumers. Factors in our evaluation methodology include annual and other fees, rewards rates, the earning structure (for example, flat-rate rewards versus bonus categories), redemption options, bonus offers for new cardholders, introductory and ongoing APRs, and other noteworthy features such as airline or hotel perks or the ability to transfer points.

Frequently asked questions


To apply for the Scotiabank Passport® Visa Infinite* Card, you must be at least the age of majority in your territory, be a Canadian resident, have not filed for bankruptcy in the last seven years and have an annual income of at least $60,000 ($100,000 for households), or have at least $250,000 in managed assets.

The Scotiabank Passport® Visa Infinite* Card offers complimentary membership to the Visa Airport Companion Program, plus six free airport lounge passes per year.