Scotiabank Passport Visa Infinite Privilege
Niche cardWhat the roles mean
- Frequent travellers: 10 airport lounge visits per cardholder, a $250 travel credit, no foreign-transaction fee and $5 million travel medical on a Visa
Welcome offer now
Earn up to 80,000 bonus Scene+ points within your first 14 months.
Ends November 1, 2026.
Checked on Scotiabank's own page November 2, 2026. See Scotiabank's page
What it earns in a year
40,800 points a year
Worth about −$191 after the $599 fee.
Based on $30,000 a year of spending ($9,600 groceries, $3,000 gas, $3,000 dining…). Welcome offer not included.
Try it with your own spending →
- Travel (Anything Visa classes as travel; up to 6 on hotels and car rentals booked through Scene+ Travel): 3× points.
- Transit (Local transit, taxis, limousines and bus lines count as travel): 3× points.
- Dining & restaurants: 2× points.
- Entertainment: 2× points.
- Everything else: 1× points.
Highlighted = use this card here.
Using your points
On the spending above, 40,800 points a year, worth $408.
- What a point buys (1¢): Travel, groceries at Sobeys, Safeway and FreshCo, or Cineplex: 1,000 points = $10. Same value everywhere. Only the general statement credit pays less (about 0.7¢), so skip it
How to apply for the Scotiabank Passport Visa Infinite Privilege
Check first
- Bonus not for recent Scotia cardholders: you can't get it if you held any Scotiabank personal credit card in the past 2 years
- $400,000 in assets under management can stand in for the income minimum
- Minimum credit limit $10,000
- Check you qualify Income: $150,000 personal or $200,000 household. You need to live in Canada and be the age of majority in your province.
- Have this ready Your address and how long you've lived there, your employer and yearly income, and your monthly rent or mortgage. Your SIN is optional for a credit card; you can leave it blank.
- Expect a credit check Applying adds a hard inquiry to your credit report, which lowers your score a little for a few months. Space applications about 90 days apart.
- Apply on Scotiabank's own site Apply online from the bank's product page, where the offer above is shown. This isn't an affiliate link: we earn nothing if you apply.Apply on Scotiabank's site →
- After you're approved Put the spending needed for the welcome offer on the card before the deadline, and pay the full balance every month.
How to use it
- Travel and transit: 3 points per $1 on flights, hotels, car rentals, trains, taxis, rideshare and local transit
- Dining and entertainment: 2 points per $1
- Groceries, gas, everything else: use another card. This one pays 1 point per $1
- Travel credit: book one trip of $250 or more through Scene+ Travel each card year for $250 back
- Lounges: enrol in the Visa Airport Companion app; each additional card ($199) gets its own 10 visits
- Welcome offer: $3,000 in 3 months for 30,000 points; $20,000 in 6 months for 30,000 more. Open by November 1, 2026
- Example: year one with $20,000 in 6 months = 60,000 points ($600) + $250 credit = $850, $251 after the fee
Key facts
- Annual fee
- $599
- Purchase interest
- 20.99%
- Foreign currency fee
- 0%
- Min. personal income
- $150,000
- Min. household income
- $200,000
- Rewards
- Scene+See every Scene+ card
Annual fee waiver
- Ultimate Package: $150 off the fee every year, so you pay $449
- The catch: the package costs $30.95/month unless you keep $6,000 in it every day (or $100,000 across Scotiabank)
- Worth it if you already keep $6,000 in chequing
- Year one: the full $599 is charged unless the package is already open
From scotiabank.com product page, checked October 23, 2026. Not an affiliate link.
More Scotiabank cards
Best paired with
Neo World Elite Mastercard
- This card: dining & restaurants, travel, transit, drugstore / pharmacy, entertainment, everything else
- Neo World Elite Mastercard: groceries, gas / ev, bills & subscriptions
- Together: $212 a year after both fees, vs −$191 with this card alone
- With this card's $599 fee rebated (see Fee waiver): $811 a year
If your stores take Amex: Scotiabank Gold Amex for groceries, gas / ev, dining & restaurants, entertainment makes it $337 a year. Costco and Loblaw-banner grocers don't take Amex.
Computed on our standard household ($30,000 a year): each kind of spending goes to whichever card pays more, both fees taken off. Partners are everyday, category and churning cards on Visa or Mastercard. Points at their simplest redemption. Welcome offers not included.
Pros
- Up to 80,000 bonus points: 30,000 for $3,000 in 3 months, 30,000 at $20,000 in 6 months, 20,000 in month 14
- 10 free lounge visits a year for each cardholder (1,200+ lounges)
- $250 travel credit every year on a Scene+ Travel booking
- 3 points per $1 on travel and transit, 2 on dining and entertainment, no cap
- No foreign-transaction fee
- Travel medical $5 million, first 31 days under 65; no need to charge the trip
- Rental car damage pays first, before your own insurance; cars up to $85,000
- $150 a year off the fee with an Ultimate Package
Cons
- $599 a year, including year one; $199 per additional card
- 1 point per $1 on groceries and gas; the $150 Passport Visa Infinite pays 3x at Sobeys-family grocers
- Middle bonus needs $20,000 in 6 months; the last 20,000 points arrive after the second fee
- Travel credit only works on Scene+ Travel (Expedia) bookings
- Income: $150,000 personal, $200,000 household, or $400,000 in assets
- No welcome offer if you held a Scotiabank personal card in the past 2 years
Insurance included
- Travel medical: $5 million, first 31 days under 65 (65+: first 10 days)
- Trip cancellation: $2,500 per person ($10,000 per trip)
- Trip interruption: $5,000 per person ($25,000 per trip)
- Flight delay: $1,000 per person, after 4 hours
- Delayed bags: $1,000 per person
- Lost bags: $2,500 per person ($5,000 per trip)
- Travel accident: $500,000 per person
- Rental car damage: pays first, up to 48 days; cars over $85,000 not covered
- Hotel burglary: $2,500
- Phone: $1,000
- Purchases: 180 days of theft/damage cover, warranty doubled up to +2 years
Maximums as Scotiabank lists them. Conditions apply; the insurance certificate decides claims.
Perks
- Lounges: 10 free visits a year per cardholder, Visa Airport Companion (guests use your visits)
- $250 travel credit on the first Scene+ Travel booking of $250+ each card year
- Avis President's Club: two car-class upgrades, skip the counter
- Airports: fast-track security and taxi lanes, valet discounts at select Canadian airports
- Hotels: Visa Infinite Luxury Hotel Collection, Relais & Châteaux perks, Sandman/Sutton Place Diamond status
- GigSky: two free 1 GB data plans abroad a year
- Shell: up to 10¢/litre in value (link Scene+ and Shell Go+)
Other cards for travel
Back a year on $2,400 of travel, caps included. Points at best-case value. Before annual fees.
| Card | Earns on travel | Back a year | Annual fee | Terms checked |
|---|---|---|---|---|
| Marriott Bonvoy American Express | 5× points≈ 7.0% in value | $168 | $120 | October 21, 2026 |
| CIBC Aventura Visa Infinite Privilege | 3× points≈ 6.0% in value | $144 | $499 | October 21, 2026 |
| Amex Aeroplan Reserve | 3× points≈ 6.0% in value | $144 | $599 | October 21, 2026 |
| Scotiabank Scene+ Visa | 4× points | $96 | $0 | November 2, 2026 |
| Scotiabank Amex | 4× points | $96 | $0 | November 2, 2026 |
| Amex Aeroplan | 2× points≈ 4.0% in value | $96 | $120 | October 21, 2026 |
| Scotiabank Passport Visa Infinite Privilege | 3× points | $72 | $599 | November 2, 2026 |
Other cards for transit
Back a year on $1,200 of transit, caps included. Points at best-case value. Before annual fees.
| Card | Earns on transit | Back a year | Annual fee | Terms checked |
|---|---|---|---|---|
| BMO CashBack World Elite Mastercard | 4% back | $48 | $139 | October 21, 2026 |
| Amex Cobalt | 2× points≈ 4.0% in value | $48 | $192 | October 21, 2026 |
| Desjardins Odyssey Visa Infinite Privilege | 4% back | $48 | $395 | October 21, 2026 |
| CIBC Aventura Visa Infinite Privilege | 2× points≈ 4.0% in value | $48 | $499 | October 21, 2026 |
| BMO eclipse Visa Infinite | 5× points≈ 3.4% in value | $40 | $120 | October 21, 2026 |
| Rogers Red World Elite | 2% back≈ 3.0% in value | $36 | $0 | October 21, 2026 |
| Scotiabank Passport Visa Infinite Privilege | 3× points | $36 | $599 | November 2, 2026 |
Other cards for dining & restaurants
Back a year on $3,000 of dining & restaurants, caps included. Points at best-case value. Before annual fees.
| Card | Earns on dining & restaurants | Back a year | Annual fee | Terms checked |
|---|---|---|---|---|
| Amex Cobalt | 5× points≈ 10.0% in value | $300 | $192 | October 21, 2026 |
| Scotiabank Gold Amex | 5× points | $150 | $120 | November 2, 2026 |
| National Bank World Elite Mastercard | 5× points | $150 | $150 | October 21, 2026 |
| Simplii Cash Back Visa | 4% back | $120 | $0 | October 21, 2026 |
| RBC British Airways Visa Infinite | 2× points≈ 4.0% in value | $120 | $165 | October 23, 2026 |
| Desjardins Odyssey Visa Infinite Privilege | 4% back | $120 | $395 | October 21, 2026 |
| Scotiabank Passport Visa Infinite Privilege | 2× points | $60 | $599 | November 2, 2026 |
How the offer has changed
One row per check of Scotiabank's page, newest first. Old rows are never edited.
| Checked | Welcome offer | Fee, year one | Ends |
|---|---|---|---|
| November 2, 2026 | Unchanged: up to 80,000 bonus Scene+ points within the first 14 months: 30,000 for $3,000 in 3 months, 30,000 for $20,000 in 6 months, 20,000 for one purchase posted in the 14th month. Open the account May 1, 2026 → November 1, 2026. No dollar value claimOffer window ended November 1, 2026, but on November 2, 2026 the bank's page still advertises this same offer with the same dates; no replacement or extension published. Page text identical to October 23, 2026 | $599, not waived ($199 each additional card); $150 off with an Ultimate Package | November 1, 2026 |
| October 23, 2026 | Up to 80,000 bonus Scene+ points within the first 14 months: 30,000 for $3,000 in 3 months, 30,000 for $20,000 in 6 months, 20,000 for one purchase posted in the 14th month. Open the account May 1, 2026 → November 1, 2026. No dollar value claimFirst record (card added to the library). $250 annual Scene+ Travel credit; 10 lounge visits per cardholder | $599, not waived ($199 each additional card); $150 off with an Ultimate Package | November 1, 2026 |
General information, not financial advice. Offers change; confirm on Scotiabank's page before you apply.