Scotia Momentum® Visa Infinite* card

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Ranked BEST CASH BACK CARD 3 years in a row.

  • 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

4%

Earned on eligible gas station and grocery store purchases1

2%

Earned on eligible drug store purchases and recurring bills1

1%

Earned on all other eligible purchases1

Key Benefits

The Scotia Momentum Visa Infinite card combines maximum cash back with a unique program of premium enhancements that tap into your lifestyle needs including:

  • Access to exclusive offers through Visainfinite.ca.
  • Visa Infinite complimentary concierge service available 7 days a week, 24 hours a day
  • Access to Visa Infinite Luxury Hotel Collection
  • Visa Infinite Dining Series with dining experiences in some of Canada's top restaurants
  • Special access to unique offers and experiences
  • For complete details, see Visa InfiniteTM Enhancements
  • Terms and Conditions (42 kb)
Insurance Benefits

These insurance benefits are effective July 1, 2014.

Travel Emergency Medical Insurance7
As the primary cardholder, you, your spouse and accompanying dependent children are each automatically covered for up to $1 million in emergency medical coverage if sudden and unexpected illness or accidental injury should occur while travelling outside your province or territory of residence in Canada. The date of departure is counted as the first day. Coverage is automatically provided for eligible persons under 65 years of age for up to 15 consecutive days.

If you are under 65 years of age and are travelling for more than 15 days, you may choose to purchase Travel Extension Coverage from Scotia® Assist prior to your departure by calling 1 800 263-0997. You will receive a separate certificate of insurance if you choose to purchase this coverage.

Certificate of Travel Emergency Medical Insurance (55 kb)


Trip Interruption7
The Scotia Momentum Visa Infinite card can protect your travel investment with trip interruption insurance at no extra cost. You, your spouse, and your dependent children travelling with either parent, and one travelling companion travelling with you or your spouse are insured for up to $2,000 per insured person (maximum $10,000 per trip) for Trip Interruption. You must charge at least 75% of trip expenses to your Scotia Momentum Visa Infinite card.

If you require Trip Cancellation insurance or additional Trip Interruption insurance if the value of your trip exceeds these amounts, call 1 888 677-7444. Once your application for this insurance has been approved, you will receive an insurance policy that describes the benefits, exclusions and limitations.

Certificate of Trip Interruption Insurance (48 kb)


Flight Delay7
You may be reimbursed for eligible reasonable living expenses incurred during the period of a delayed flight or missed connection which lasts four (4) hours or more to a limit of $500 per trip for all insured travellers. Simply charge at least 75% of the full cost of your tickets to your Scotia Momentum Visa Infinite card.

Certificate of Flight Delay Insurance (41 kb)


Delayed and Lost Baggage7
When you purchase common carrier tickets with your Scotia Momentum Visa Infinite card, you are eligible for coverage against the loss or the delay of your checked luggage. The lost luggage benefit is limited to the lesser of the replacement cost of the covered luggage or the cash value at the time of loss, to a maximum of $500. The carrier must provide you with a cash settlement before Scotia Momentum Visa Infinite card coverage will pay any benefit. The delayed luggage benefit is limited to $500 for all insured persons on the same trip for the cost of replacing essential items if your checked luggage is not delivered within four (4) hours from your time of arrival at your final destination.

Certificate of Delayed and Lost Baggage Insurance (46 kb)


Up to $500,000 Common Carrier Travel Accident Insurance7
When you charge at least 75% of the full cost of common carrier travel fares to your Scotia Momentum Visa Infinite card, you, your spouse and dependent children will be automatically insured against accidental loss of life, or dismemberment. Valid common carrier fares include fares for any licensed public conveyance such as airplanes, cruise ships, trains or buses.

Certificate of Common Carrier Travel Accident Insurance (39 kb)


Rental Car Collision/Loss Damage Insurance7
When you charge the entire cost of car rental to your Scotia Momentum Visa Infinite card and decline the agency's collision damage waiver or loss damage waiver (or similar provision) at the time of rental, you'll be insured if your rental vehicle is damaged, or stolen.

Certificate of Trip Rental Car Collision/Loss Damage Insurance (44 kb)


Purchase Security and Extended Warranty7
Most personal items purchased anywhere in the world are automatically insured against theft, loss or damage – as long as the full cost of the item is charged to your Scotia Momentum Visa Infinite card. Coverage extends for the first 90 days from the date of purchase and is in excess of any other insurance coverage. When you use your Scotia Momentum Visa Infinite card to purchase most personal items and charge the full cost of the item to your card, extended warranty coverage doubles the period of the original manufacturer's warranty for up to one additional year. Items covered by a manufacturer's warranty of five years or more must be registered within the first year of purchase. There is a maximum lifetime liability of $60,000 under the Purchase Security and Extended Warranty coverages.

Certificate of Purchase Security Insurance (46 kb)


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 www.AVIS.com 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 Visainfinite.ca.

Recently moved to Canada? Apply for a credit card designed for newcomers.

It's hard to get a credit card without a Canadian credit history. But the Scotiabank StartRight ® Program± for Newcomers can help. It's a special program designed to meet the needs of newcomers to Canada. With the StartRight Program, you can be approved for a credit card – even without a Canadian credit history. Once you have a credit card you can:

  • Make purchases online or by phone.
  • Earn rewards like cash back, free movies or travel points.
  • Build your Canadian credit history and credit score, so you can build the future you want in Canada.

Use the link below to apply for your credit card through the Scotiabank StartRight Program today.

Apply now

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