Scotiabank Passport Visa Infinite Card Review



Annual Fee


Annual Rewards

25,000 points

Intro Offer


Annual fee


Annual rewards

25,000 points

Intro offer


  • No foreign transaction fees
  • 6 free airport lounge visits per year
  • 2x Scotia Rewards points on dining, entertainment, groceries, and daily transit
  • Comprehensive travel insurance benefits
  • Priority Pass lounge membership included
  • 1x Scotia Rewards point per $1 spent on all other purchases
  • Welcome bonus of up to 35,000 Scotia Rewards points


  • Annual fee of $139
  • Minimum income requirement of $60,000 (individual) or $100,000 (household)
  • Limited rewards value for everyday purchases outside category multipliers
  • Redeeming points can be a complex process

How you earn rewards

Each card earns rewards differently. Part of choosing your card is deciding what type of rewards you want to get. With Scotiabank Passport Visa Infinite Card, here’s how you earn rewards:

Groceries3 points
Restaurants / Delivery3 points
Specific Stores3 points
All Other Spend1 point

How much your rewards are worth

The dollar value of your rewards depends on the specific Scotiabank rewards program and what you choose to redeem your points for.

For Scotiabank Passport Visa Infinite Card in particular, if you spend $2,000.00 per month, here’s our estimated rewards earned depending on which reward you choose:

Redemption methodAnnual rewards
Redeem for travel$384.00
Apply to statement credit$268.80
Gift cards$284.16
Grocery rewards$384.00
Restaurant rewards$384.00
Movie rewards$384.00
Apple / BestBuy$295.68

Calculating your annual rewards

$24,000.00 annual spending x $1.60% return on spending = $384.00 annual rewards

$384.00 annual rewards – $150.00 annual fee = $$234.00 net annual rewards

Details and eligibility

Do I qualify?
Estimated Credit Score660 – 724
Personal Income$60,000.00
Household Income$100,000.00
Interest Rates
Cash Advance22.9%
Balance Transfer22.9%
Annual Fee$150.00
Extra Card Fee$0
Card typeVisa

Insurance coverage

Extended Warranty1 year
Purchase Protection90 days
Travel Accident500000
Emergency Medical Term25 days
Emergency Medical over 653 days
Trip Cancellation1500
Trip Interruption1500
Flight Delay500
Baggage Delay1000

Scotiabank Passport Visa Infinite Card Review

The Scotiabank Passport Visa Infinite Card is a versatile credit card designed for Canadians looking for a range of rewards and benefits. In this review, we will discuss the card’s earning potential, outline four major advantages and two drawbacks, and provide additional insights to help you decide if it’s the right card for you.

Earning Potential

With this card, users can earn Scotia Rewards points, which can be redeemed for travel, merchandise, or statement credits. The earning rates are as follows:

  • 2 points per $1 spent on eligible grocery, dining, entertainment, and daily transit purchases
  • 1 point per $1 spent on all other eligible purchases

Benefit 1: No Foreign Transaction Fees

One of the most valuable advantages of the Scotiabank Passport Visa Infinite Card is the lack of foreign transaction fees. This means that while other cards typically charge a 2.5% fee on purchases made in foreign currencies, this card allows users to save on those fees, making it an excellent option for frequent travelers.

Benefit 2: Airport Lounge Access

The card includes a Priority Pass membership, which offers access to over 1,200 airport lounges worldwide. Cardholders receive six free lounge visits per year, providing a more comfortable and enjoyable travel experience.

Benefit 3: Travel Insurance Coverage

This card provides an extensive range of travel insurance coverage, including travel emergency medical insurance, trip cancellation and interruption insurance, flight delay insurance, lost and delayed baggage insurance, and rental car collision loss/damage insurance. This added protection can provide peace of mind during travel and potential cost savings if unforeseen situations arise.

Benefit 4: Comprehensive Rewards Redemption Options

The Scotia Rewards program allows for flexible redemption options, including travel, merchandise, or statement credits. Additionally, there are no blackout dates when redeeming points for travel, ensuring users can book trips easily.

Drawback 1: Annual Fee

A significant drawback of the Scotiabank Passport Visa Infinite Card is the $139 annual fee. Though offset by the card’s benefits for those with high spending and travel frequency, potential cardholders should weigh the costs against the advantages.

Drawback 2: High Minimum Income Requirement

This card has a relatively high minimum personal income requirement of $60,000 per annum or a household income of $100,000. This may be a limitation for some prospective cardholders who may not meet the eligibility criteria.

Additional Information

It’s essential to evaluate one’s spending habits and travel needs before opting for any credit card. The Scotiabank Passport Visa Infinite Card is an excellent choice for frequent travelers who can benefit from the rewards, travel insurance coverage, and lounge access. However, for those with lower travel frequency or spending habits that do not align with the card’s rewards categories, a different credit card may be a more suitable option.

Interested in other credit cards? Canadians that like the Scotiabank Passport Visa Infinite Card credit card also like the Scotiabank Scene Visa Card for Students. If you’re looking for other options you should consider the Scotiabank Scene Visa Card, and the Scotiabank US Dollar Visa Card.


The Scotiabank Passport Visa Infinite Card offers a variety of options for redeeming your earned Scotia Rewards points. Cardholders can use their points for the following types of rewards:

  • Travel: Redeem points for flights, hotels, car rentals, cruises, and vacation packages through the Scotia Rewards Travel Service.
  • Merchandise: Choose from a wide selection of merchandise, including electronics, home appliances, and fashion items, available in the Scotia Rewards online catalogue.
  • Gift Cards & Prepaid Cards: Redeem your points for gift cards from popular retailers, or choose from several types of prepaid cards that can be used like cash.
  • Convert to SCENE Points: Scotia Rewards points can be converted to SCENE points for those who wish to redeem for movies and entertainment offers.
  • Apply Points to Card Statement: Use your points to make a payment towards your credit card balance.
  • Charity Donations: Contribute your Scotia Rewards points to eligible charitable organizations.

The Scotiabank Passport Visa Infinite Card offers an excellent feature that benefits those who travel internationally or make purchases in foreign currencies. Unlike many other credit cards, the Scotiabank Passport Visa Infinite card has no foreign transaction fees. This means that cardholders will not be charged an additional fee (usually around 2.5%) when making purchases in a currency other than Canadian dollars, potentially saving a significant amount on international expenses.

The Scotiabank Passport Visa Infinite Card requires a minimum annual income of $60,000 for an individual applicant or $100,000 for a household. Applicants must meet these income requirements to be considered eligible for approval.

Key benefits

  • Interest rate: 19.99% on purchases
  • Cash advance rate: 22.99%
  • Balance transfer rate: 22.99%
  • Grace period: 21 days
  • Supplementary card: First supplementary card free; $50/year for each additional card
  • Credit limit: Minimum limit of $5,000
  • Rewards expiry: No expiry as long as account remains active and in good standing
  • Travel emergency medical insurance: Up to $1 million coverage for 25 days
  • Trip cancellation/trip interruption insurance: Covered up to $2,500 per person
  • Flight delay insurance: Covered up to $500 per person, for 4+ hour delays
  • Delayed and lost baggage insurance: Up to $1,000 per trip
  • Hotel burglary insurance: Up to $1,000 per occurrence
  • Car rental collision/loss damage insurance: Up to 48 consecutive days of coverage
  • Purchase protection: 90 days protection against theft, loss, or damage
  • Extended warranty: Doubles manufacturer’s warranty up to an additional year

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