Scotia Momentum® VISA Infinite* card

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Scotiabank Rewards

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For a limited time Get a Scotia Momentum VISA Infinite card and get the annual fee waived for the first year.

  • Maximum Cash Back
    The Scotia Momentum VISA Infinite card rewards you on your everyday spending with the most cash back of all our credit cards.
    • A full 4% cash back on all eligible gas station and grocery store purchases1
    • A full 2% cash back on eligible drug store purchases and recurring bill payments1
    • A full 1% cash back on all other eligible purchases1
  • Convenient

At a Glance


Earned on eligible gas station and grocery store purchases1


Earned on eligible drug store purchases and recurring bills1


Earned on all other eligible purchases1

Key Benefits

Insurance Benefits

Rates & Fees

  • Minimum Credit Limit: $5,000
  • Grace Period: Interest free at least 21 days2
  • Annual Fee:
    Primary Card Holder: $997
    Supplementary Card Holder: $30
  • Interest Rate:
    • 19.99% on purchases
    • 22.99% on cash advances, balance transfers

Minimum Annual Income Required:

$60,000 annual personal income, $100,000 annual household income.

Learn more about VISA card fees and VISA card interest rates.

Special Discounts

AVIS Car Rentals
Save with discounts of up to 20% at participating AVIS car rental locations worldwide. Simply present your Scotia Momentum VISA Infinite card at any participating location. Or visit or call 1-800-TRY-AVIS (879-2847) and quote the rebate number C030400.

Scotia® Credit Card Cheques4

Use Scotia Credit Card Cheques to:

  • Transfer balances from gas and retail cards that charge higher interest rates.
  • Pay for a large purchase, insurance premiums, medical bills, or utility bills.

Obtain cash advances at:

  • Over 1 million ABMs around the world displaying the VISA/PLUS symbols.
  • Over 55,000 ABMs displaying the INTERAC symbol in Canada, including Scotiabank ABMs.
  • Or, access your Scotia Momentum VISA Infinite account with your ScotiaCard debit card when you link the two together.

Easy Access

Access to your Scotia Momentum VISA Infinite account through electronic banking when you link your Scotia Momentum VISA Infinite account to your ScotiaCard® debit card. You can use TeleScotia® Telephone Banking and Scotia OnLine® Financial Services for VISA account information.

Visa payWave

Save time when paying for small, everyday purchases with Visa payWave. Simply wave your card over the card reader and go!5

My Mobile Wallet

My Mobile Wallet is now included with the FREE Scotiabank Mobile Banking app and lets you tap your smartphone on the terminal to pay. Just look for the Visa payWave symbol at the checkout.

Scotia Credit Card Protection (optional)7

With one simple application, you can have financial protection from a range of life events: Disability, Job Loss, Strike or Lockout, Critical Illness or loss of Life. A monthly benefit equal to 5% of your outstanding credit card account balance can be paid to your credit card account if you are unable to work, which can help pay down your balance faster. In the event of a diagnosis of a covered Critical Illness++, or if you pass away, your outstanding credit card account balance can be paid in full, up to a maximum of $20,000.

This comprehensive coverage is available at a monthly premium rate of only $0.95 per $100 of average daily balance on your credit card account (plus any applicable sales tax). The affordable cost includes benefits for a Co-Borrower at no additional charge. The premium is conveniently charged to your credit card account to help ensure your coverage stays in place.

Approval is fast – contact us for details if you are a resident of Canada, and are at least 18 and under 65 years of age.

View more information or simply call 1-855-753-4272 between 8am and 8pm (EST) Monday to Friday and a Customer Service Representative will be pleased to assist you.

5% of outstanding balance up to 24 months
++ The maximum benefit payable is $20,000

VISA Infinite™ Enhancements

The Scotia Momentum VISA Infinite card offers a unique program of premium enhancements that tap into your lifestyle needs. Features include VISA Infinite Complimentary Concierge, the Luxury Hotel Collection and a dedicated VISA Infinite website to help you easily track your cash back rewards and access all of the benefits, offers and services available to you.
VISA Infinite Enhancements are synonymous with best in class offers and experiences, access to the inaccessible, and helping people go where, when and how they want.
These enhancements are only available to VISA Infinite cardholders and include the following:

Complimentary Concierge

Save time and make your life easier with quality cross-border services through a network of experts. Just call anytime, 7 days a week, 24 hours a day. Your VISA Infinite complimentary concierge service can help you with almost any request, from planning activities to making restaurant reservations, and helping you select the perfect gift.
Cardholders are responsible for the cost of any goods or services purchased through VISA Infinite Complimentary Concierge service.

Luxury Hotel Collection

Enjoy access to the VISA Infinite Luxury Hotel Collection a hand-selected portfolio of over 800* of the world's most intriguing and prestigious properties, chosen expressly for VISA Infinite cardholders. You'll Enjoy a distinctive and unique collection of benefits for an unparalleled experience at any of the portfolio properties when you book through the VISA Infinite Luxury Hotel Collection.
The number of properties that are part of the program will change over time. Offers are subject to availability and other restrictions may apply.

Dining Series

As a VISA Infinite cardholder you have exclusive access to gourmet events catered to your discerning tastes. Through the VISA Infinite Dining Series, you can dine with some of the biggest names in the food and wine industry in a private, sophisticated setting. Each event will include a sparkling wine reception with hors d'oeuvres, a multi-course meal with wine pairings, and the opportunity to meet the host chef.

Unique Offers and Experiences

You're invited to enjoy special offers╪ and unique opportunities that have been created exclusively for VISA Infinite cardholders. Consider indulgences like spa pampering, romantic surprises or personal winery tours and tastings. Each experience is designed with you in mind.

For details, and to check out the current exclusive card holder offer, visit

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