Scotiabank Passport Visa Infinite
Niche cardWhat the roles mean
- Travel abroad: no foreign-transaction fee, 6 free airport lounge visits a year and strong travel insurance on a Visa
Welcome offer now
Earn up to 35,000 bonus Scene+ points — "up to $1,250 in first year welcome offers, rewards and savings."
Ends November 1, 2026.
Checked on Scotiabank's own page November 2, 2026. See Scotiabank's page
What it earns in a year
61,200 points a year
Worth about $462 after the $150 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: 4× points.
- Groceries (First $50,000 a year, then 1× points): 3× points.
- Dining & restaurants (First $50,000 a year, then 1× points): 2× points.
- Entertainment (First $50,000 a year, then 1× points): 2× points.
- Transit (First $50,000 a year, then 1× points): 2× points.
- Everything else: 1× points.
Highlighted = use this card here.
Using your points
On the spending above, 61,200 points a year, worth $612.
- 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
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
- Assets instead of income: Scotia also accepts $250,000–$300,000 or more in assets under management
- Minimum credit limit $5,000
- Check you qualify Income: $60,000 personal or $100,000 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
- Foreign-currency purchases: all of them. No 2.5% fee, so $25 saved per $1,000
- Groceries: 3 points at Sobeys, Safeway, FreshCo, IGA, Foodland; 2 points at other grocers
- Dining, entertainment, transit, rideshare: 2 points per $1
- Gas and everything else at home: use another card. This one pays 1 point per $1
- Trips: charge flights, hotels and rental cars here to get the insurance; decline the rental agency's damage cover
- Example: $5,000 spent abroad a year = $125 saved in foreign-transaction fees, before points and lounge visits
Posts about this card
Key facts
- Annual fee
- $150
- Purchase interest
- 20.99%
- Foreign currency fee
- 0%
- Min. personal income
- $60,000
- Min. household income
- $100,000
- Rewards
- Scene+See every Scene+ card
Annual fee waiver
- Ultimate Package: $150 fee rebated every year (up to $150 rebate on one card)
- 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
- Preferred Package: $40 back from the first anniversary, only after $15,000 of card spending a year
- Year one: not waived; the $150 is charged
From scotiabank.com product page, checked October 17, 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: $673 a year after both fees, vs $462 with this card alone
- With this card's $150 fee rebated (see Fee waiver): $823 a year
If your stores take Amex: Scotiabank Gold Amex for groceries, gas / ev, dining & restaurants, transit, entertainment makes it $810 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
- No foreign-transaction fee, and a Visa, so it works almost everywhere
- 6 free lounge visits a year (Visa Airport Companion, 1,200+ lounges)
- Travel medical $2 million, first 25 days of a trip (under 65)
- Rental car damage cover pays first, before your own auto insurance
- 3 points per $1 at Sobeys-family grocers; 2 on other groceries, dining, entertainment, transit
- First additional card free
- Year one: 25,000 bonus points ($250) for $2,000 in 3 months. Open by November 1, 2026
Cons
- $150 a year, including year one (see fee waiver)
- 1 point per $1 on gas and everything else
- 10,000-point annual bonus needs $40,000 of spending a year
- No phone insurance
- Income: $60,000–$80,000 personal or $100,000–$150,000 household (Scotiabank shows ranges, not one figure)
- No welcome offer if you held a Scotiabank personal card in the past 2 years
Insurance included
- Travel medical: $2 million, under 65, first 25 days (65+: first 3 days)
- Trip cancellation: $1,500 per person ($10,000 per trip)
- Trip interruption: $2,500 per person ($10,000 per trip)
- Flight delay: $500 per person, after 4 hours
- Delayed bags: $1,000 per trip, after 4 hours
- Lost bags: $1,000 per trip
- Travel accident: $500,000 per person
- Rental car damage: pays first, up to 48 days (car value limit not stated)
- Hotel burglary: $1,000
- Purchases: 90 days of theft/damage cover, +1 year warranty
Maximums as Scotiabank lists them. Conditions apply; the insurance certificate decides claims.
Perks
- Lounges: 6 free visits a year through Visa Airport Companion (enrol in the app first)
- GigSky: free 10 GB of data abroad each year
- Scene+ Travel: 3 extra points per $1 on hotels and car rentals
- Visa Infinite: concierge, hotel perks, dining events
Other cards for groceries
Back a year on $9,600 of groceries, caps included. Points at best-case value. Before annual fees.
| Card | Earns on groceries | Back a year | Annual fee | Terms checked |
|---|---|---|---|---|
| Amex Cobalt | 5× points≈ 10.0% in value | $960 | $192 | October 21, 2026 |
| Scotiabank Gold Amex | 6× points | $576 | $120 | November 2, 2026 |
| Neo World Elite Mastercard | 5% back | $480 | $149 | October 21, 2026 |
| National Bank World Elite Mastercard | 5× points | $480 | $150 | October 21, 2026 |
| Desjardins Cash Back World Elite Mastercard | 4% back | $384 | $100 | October 23, 2026 |
| SimplyCash Preferred | 4% back | $384 | $120 | October 21, 2026 |
| Scotiabank Passport Visa Infinite | 3× points | $288 | $150 | 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 35,000 bonus Scene+ points ("up to $1,250" first-year value): 25,000 for $2,000 in 3 months, plus the standing 10,000-pt annual bonus at $40,000 a year. Open the account August 4, 2026 → November 1, 2026Offer 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 (footnote: "Offer may be changed, cancelled or extended at any time without notice"). Page text identical to October 21, 2026 | $150, not waived (first additional card $0, then $50) | November 1, 2026 |
| October 21, 2026 | Unchanged: up to 35,000 bonus Scene+ points ("up to $1,250" first-year value): 25,000 for $2,000 in 3 months, plus the standing 10,000-pt annual bonus at $40,000 a year. Open the account August 4, 2026 → November 1, 2026Unchanged | $150, not waived (first additional card $0, then $50) | November 1, 2026 |
| October 17, 2026 | Up to 35,000 bonus Scene+ points ("up to $1,250" first-year value): 25,000 for $2,000 in 3 months, plus the standing 10,000-pt annual bonus at $40,000 a year. Open the account August 4, 2026 → November 1, 2026Down from up to 60,000 pts (40,000 + 10,000 + 10,000) / "up to $1,500" seen June 15, 2026. Preferred Package rebate is now $40/yr with $15,000 spend. Income now shown as ranges | $150, not waived (first additional card $0, then $50) | November 1, 2026 |
General information, not financial advice. Offers change; confirm on Scotiabank's page before you apply.