For once, bundling up feels good.
Earn up to $1,550 in first year value when you bundle your banking.
Make the most out of your banking package!
Earn up to $1,550 in bonuses, rewards and savings in your first year when you bundle your banking by October 31, 2023.
Apply for a Scotiabank Passport® Visa Infinite* Card today1
Open a MomentumPLUS Savings account and earn up to 5.40% for the first three months2
Here’s how you earn up to $1,550 in bonuses, rewards and savings:
With your Scotiabank Passport® Visa Infinite* card® you could earn up to $1,250 in bonuses, rewards and savings in your first year, which includes3:
Up to 35,000 bonus Scene+TM points offer with minimum spend4 (valued at up to $350)
Pay no foreign transaction fee and save 2.5%5 ($100 in savings based on average first year annual foreign spend)
Complimentary Visa Airport Companion Program membership and 6 lounge visits6 (valued at up to $340)
Up to 28,733 Scene+ points earned in a year based on average first year spend (valued at up to $285)
$150 annual fee waived with your Ultimate or Preferred Package7.
Annual fee waiver on your first supplementary card (valued at $50)
Plus with a MomentumPLUS Savings Account, you could earn $300 in interest8 when you make a deposit of $10,000, select a 90 day Premium Period and maintain that balance in your account for 12 months:
3.10% Welcome Bonus Interest Rate eligible for first 3 months2 ($75)
1.40% Regular Interest Rate9 ( $140)
0.85% 90-Day Premium Period Interest Rate10 ($85)
0.05% Package Interest Rate boost with a Preferred Package11 ($5)
Your Scotiabank Passport® Visa Infinite* Card comes with great benefits
Right for you if you:
- Want to obtain a convenient and secure payment method for everyday purchases
- Interested in building your credit history by making at least your minimum payments on time each month
- Want an interest free grace period on purchases
- Value rewards and benefits that can be earned with this Card and willing to pay an annual fee
- Meet a minimum annual income of $60,000 or a minimum household income of $100,000 or minimum assets under management of $250,000
May not be right for you if you:
- Will be carrying an outstanding balance for a long period of time or using it for debt consolidation
- Rarely travel, rarely make foreign currency purchases, or rarely need travel insurance coverage
- Prefer cash back rewards
- Prefer not to pay an annual fee
Not the right card for you?
Benefits you’ll love
Take advantage of one-of-a-kind dining, entertainment adventures, and exclusive benefits for Visa Infinite Card holders, Concierge Service, and Hotel Collection12.
Shop and travel with 7 different types of insurance coverage13
Your award-winning card
Winner of the 2022 Rewards Canada Top No Foreign Transaction Fees Credit Card
Winner of the 2022 MoneySense Best Points Card with No Foreign Transaction Fees
Fees, rates & other information14
Annual Fee: $150/year7
20.99% on purchases
22.99% on cash advances
Minimum credit limit: $5,000
Each supplementary card:
$0/year ($50/year on each additional Card)
Earn Scene+ points on every transaction using your credit card
Eat in, eat out, watch and cheer
Earn 2 Scene+ points on every $1 CAD you spend in Canada on other eligible grocery stores, dining, and entertainment. Includes movies, theatre, and ticket agencies.15
Earn 2 Scene+ points on every $1 CAD you spend in Canada on eligible daily transit options. Includes rideshare, buses, taxis, subway, and more.15
Earn 1 Scene+ point for every $1 spent on all other eligible everyday purchase.15
Top reasons to open a MomentumPLUS Savings Account.
Right for you if you:
- Want to save longer to receive higher interest
- Will not require ABM, Point of Sale access, or automated direct bill payment functionality
- Want free unlimited transfers between Scotiabank accounts via self-service
May not be right for you if you:
- Want to use for everyday banking such as purchases, ABM transactions, and payroll deposits
Not the account for you?
Help me choose the right savings account
Watch your savings grow over time
With the MomentumPLUS Savings Account, you can earn a savings rate of up to 5.40%2 for 3 months.
Regular interest rate9
Open an account and make a deposit to earn 1.50% regular interest rate.
Premium period interest rate10
Start a Premium Period and get up to 1.15% additional interest rate.
Rate varies depending on the select period:
1.15% | 360 days
1.00% | 270 days
0.90% | 180 days
0.85% | 90 days
Bank account customers get an additional interest rate boost11
Ultimate Package customers earn an additional interest rate boost of 0.10%.
Preferred Package customers earn an additional interest rate boot of 0.05%
Welcome bonus interest rate2
Get a 3.10% Welcome Bonus Interest rate on eligible deposits for 5 months, if you open account during the campaign period.
Interest rates are per annum and subject to change. Visit the Current Rates page for more information.
Ready to bundle up?
Value of up to $1,284 with a Scotiabank Passport® Visa Infinite Card is an annual potential value for the first 12 months based on the following card usage and offers:
- $150 in annual fee savings (first year annual fee waiver with a Preferred Package, or $150 ongoing annual fee waiver with an Ultimate Package
- $250 in travel rewards (25,000 bonus Scene+ points) when you spend $1,000 within your first 3 months.
- $100 in travel rewards (10,000 bonus Scene+ points) when you spend $40,000 annually on your Account each year (12-months).
- $50 additional card fee waiver on your first additional card (including those issued to co-borrowers and supplementary cardholders) every year;
- $104 in foreign transaction fee savings based on average first year annual foreign spend per account (save the 2.5% foreign transaction fee typically charged by other card issuers);
- $287 in travel rewards (28,733 Scene+ points) on everyday purchases based on average annual first year spend per account with an average spend of 19% in 2x accelerator categories.
- $343 value with a complimentary Visa Airport Companion Program Membership and 6 lounge passes (annual membership plus one free visit of approx. CAD$134/USD$99 plus 5 lounge passes at CDN$42/USD$31 per pass). Currency conversion as at March 30, 2023.
Offer Description and Conditions: The 25,000 Bonus Scene+ Points Offer (the “Offer”) applies only to new Scotiabank Passport Visa Infinite credit card accounts (“Accounts”) that are opened by October 31, 2023 subject to the conditions below. Offer may be changed, cancelled or extended at any time without notice and cannot be combined with any other offers.
Plus, as a Scotiabank Passport Visa Infinite credit cardholder you are always eligible to earn an annual 10,000 Scene+ point bonus when you spend at least $40,000 in everyday eligible purchases annually on your Scotiabank Passport Visa Infinite account. Conditions apply - see below for further details.
25,000 Bonus Scene+ Point Offer Description and Conditions: To qualify for the 25,000 bonus Scene+ points (the “Bonus Offer”), you must have at least $1,000 in eligible purchases posted to your new Account within the first 3 months of the Account open date. Eligible purchases include purchases (less any refunds, returns or other similar credits) but do not include payments, cash advances (including balance transfers or cash-like transactions), interest, fees or other charges. The 25,000 Bonus Offer points will be credited to the primary cardholder’s Scene+ account within approximately 2-3 business days following the qualifying $1,000 in eligible purchases being posted to your Account within 3 months from the Account open date, provided the Account is open and in good standing. The Account is considered in good standing if it is not past due or over limit and the Cardholder(s) is not in breach of the Revolving Credit Agreement that applies to the Account. Bonus Offer applies to new Accounts only opened by October 31, 2023.
10,000 Annual Bonus Scene+ Point Conditions: As a Scotiabank Passport Visa Infinite credit cardholder you can earn an annual Scene+ point bonus starting at 10,000 Scene+ points when you make at least $40,000 in eligible purchases annually on your Account each year (12-months). Annual period starts from the Account open date and resets every 12 months thereafter. You will earn 2,000 bonus Scene+ points for every additional $10,000 in eligible purchases thereafter in that same year, after the $40,000 annual spend has been reached. Eligible purchases include purchases (less any refunds, returns or other similar credits) but do not include payments, cash advances (including balance transfers or cash-like transactions), interest, fees or other charges.
The Annual bonus Scene+ points will be credited within approximately 2-3 business days after you have met the $40,000 annual spend threshold on the Account and within approximately 2-3 business days after you have met each additional $10,000 annual spend threshold on the Account, provided your Account is open and in good standing (as defined above).
Offer Eligibility and Exclusions: Individuals who are currently or were previously primary or secondary cardholders of a Scotiabank personal credit card in the past 2 years, including those that switch from an existing Scotiabank personal credit card, as well as employees of Scotiabank, are not eligible for the Offer. Subject to the above exclusions, Scotiabank small business credit cardholders are also eligible for the Offer.
Rates and Fees: The current annual fee is $150 for the primary card, $0 for the first additional card and $50 for each additional card thereafter. The current preferred annual interest rates for this Account are: 20.99% on purchases and 22.99% on cash advances (including balance transfers and cash-like transactions). All rates, fees, features and benefits are outlined in the Application Disclosure Statement and are subject to change.
Primary Cardholders with a valid Scotiabank Passport Visa Infinite Card account (the “Account”) have access to participating lounges within the Visa Airport Companion Program (“Program”), hosted and managed by DragonPass International Ltd. Cardholders must enroll for this benefit either through the Visa Airport Companion App (available to download for free) or on the Program Website (visaairportcompanion.ca) using a valid Card on the Account. Upon enrollment, 6 complimentary lounge visits will be available for the Primary Cardholder per membership year; the complimentary visits can be used by any Cardholder for themselves and for their accompanying guests at participating lounges (however, Primary Cardholder must be present for each such use). Lounge visits are counted on a per person per visit basis (e.g. lounge access by a Cardholder and one accompanying guest will count as two (2) visits). All additional visits beyond complimentary visits are subject to a fee of $32 USD (subject to change) per person per visit. Applicable lounge access fees will be charged to the Card connected to the Cardholders’ Program membership (i.e. the Card enrolled in Program).
The Program services and benefits are provided by DragonPass and applicable third party offer providers and neither Visa nor The Bank of Nova Scotia is responsible for the Program or any claims or damages arising from participation in the Program.
Unless the Program membership is suspended or cancelled, the Program membership and any included complimentary lounge visits (if applicable) will automatically renew annually on the anniversary date (based on date when the Cardholder enrolled for the Program). Program membership will be cancelled if your Scotiabank Passport Visa Infinite Card is cancelled. If your Scotiabank Passport Visa Infinite Card is renewed or replaced, remember to update your card details within the Visa Airport Companion Program (either on the App or on the Program Website).
Access upon presentation of a valid and enrolled Scotiabank Passport Visa Infinite Card, while available in most lounges within the Visa Airport Companion Program, is subject to availability.
If you open or have an Ultimate Package account (the “Account”), on or after the date you open the Account (“Account Open Date”) you will receive an annual fee waiver (“Annual Fee Waiver”), each year for as long as you have one eligible Scotiabank Credit Card account (an “Eligible Card”) and the Account. You will receive the Annual Fee Waiver, even if you opened an Eligible Card prior to the Account Open Date. Eligible Cards are the Scotiabank Gold American Express, Scotiabank Passport™ Visa Infinite*, Scotia Momentum® Visa Infinite and Scotiabank Value® Visa* credit cards. Eligible Cards are subject to change. Each Account will only receive one Annual Fee Waiver regardless of the number of accountholders on the Account or Eligible Cards opened. The Annual Fee Waiver will be applied to the first annual fee for a primary Card charged on an Eligible Card after the Account Open Date. If there is more than one Eligible Card after the Account Open Date, the Annual Fee Waiver will be applied only to the first annual fee for a primary card that is charged on an Eligible Card after the Account Open Date. All other fees and charges applicable to the Eligible Card continue to apply. Annual Fee Waiver will not be applied if your Account or Eligible Card is not open or is not in good standing and cannot be combined with any other annual fee waiver offer. Current annual fees, rates and other features for Eligible Cards are subject to change.
If you open or have a Preferred Package account (the “Account”), on or after the date you open the Account (the “Account Open Date”), you will receive an annual fee waiver for the first year only (the “First Year Annual Fee Waiver”) on one eligible Scotiabank Credit Card account (an “Eligible Card”) opened on or after the Account Open Date. Eligible Cards are the Scotiabank Gold American Express, Scotiabank Passport™ Visa Infinite*, Scotia Momentum® Visa Infinite and Scotiabank Value® Visa* credit cards. Eligible Cards are subject to change. Each Account can only receive one First Year Annual Fee Waiver regardless of the number of accountholders on the Account or Eligible Cards opened. The First Year Annual Fee Waiver will be applied to the first annual fee for a primary card charged on an Eligible Card after the Account Open Date. If there is more than one Eligible Card opened after the Account Open Date, the First Year Annual Fee Waiver will be applied only to the first annual fee for a primary card that is charged on an Eligible Card after the Account Open Date. This First Year Annual Fee Waiver is only available for new Eligible Cards opened on or after the Account Open Date. Current or previous cardholders of an Eligible Card or cardholders that transfer to an Eligible Card on or after the Account Open Date will not receive the First Year Annual Fee Waiver. All other fees and charges applicable to the Eligible Card continue to apply. First Year Annual Fee Waiver will not be applied if the Account or Eligible Card is not open or is not in good standing and cannot be combined with any other annual fee waiver offer. Current annual fees, rates and other features for Eligible Cards are subject to change.
Value of up to $306.44 is an example of potential interest earned in the first year with a MomentumPLUS Savings Account when you make a deposit of $10,000, select a 90 day Premium Period and maintain that balance for 12 months. Assumes no compounding of interest or additional deposits, and no debit transactions during the period of 365 days. Below is a breakdown of interest earned in the first year assuming the above:
- 1.40% Regular Interest Rate ($140.00)
- 0.85% Premium Period Interest Rate ($85.00)
- 0.05% Package Interest Rate boost with a Preferred Package ($5.00)
- 3.10% Welcome Bonus Interest Rate eligible for first 3 months ($76.44)
Concierge Service provided by a duly licensed third-party premium concierge provider: AXA Assistance USA, Inc.
You are awarded three (3) Scene+ Points for every eligible $1.00 purchase made at Sobeys, Safeway, IGA, Foodland, Foodland & Participating Co-ops, FreshCo, Chalo! FreshCo, Thrifty Foods, Rachelle Béry, Les Marchés, Voilà by Sobeys, Voilà by Safeway and Voilà par IGA locations charged and posted to the Scotiabank Passport Visa Infinite Account. This list of eligible grocers may be changed from time to time without notice. See full list of participating merchants across Canada at scotiabank.com/participatingstores.
You are awarded two (2) Scene+ Points for every eligible $1.00 purchase on all other grocery (not listed above), dining, entertainment, and daily transit purchases charged and posted to the Scotiabank Passport Visa Infinite Account (the earn rates for each of the above categories and merchants are referred to as the “Accelerated Earn Rates”). See below for the Spend Threshold that applies to this Accelerated Earn Rate.
You are awarded one (1) Scene+ Point for every $1.00 in all other purchases of goods and services charged to the Scotiabank Passport Visa Infinite Account (the “Regular Earn Rate”).
Spend Threshold for the Accelerated Earn Rate (Scotiabank Passport Visa Infinite Accounts only):
You will earn the Accelerated Earn Rate on the first $50,000 in purchases made on your Scotiabank Passport Visa Infinite account (the “Account”) annually at the following: purchases made at merchants classified in the Visa credit card network as: Grocery Stores and Supermarkets; Eating Places and Restaurants, Drinking Places, Fast Food Restaurants; Entertainment including Motion Picture Theatres, Theatrical Producers, Ticket Agencies, Bands, Orchestras, Miscellaneous Entertainers; Railroads, Local and Suburban Commuter Passenger Transportation, including Ferries, Passenger Railways, Taxicabs and Limousines, Bus Lines, Transportation Services (Not Elsewhere Classified). Some merchants may sell other products/services or are separate merchants who are located on the premises of these merchants, but are classified by the credit card network in another manner, in which case this added benefit would not apply. The annual spend calculation for the $50,000 maximum threshold is calculated annually from January 1st to December 31st each year. You will earn 1 point per $1 on purchases made on the Account after the 2 points per $1 / $50,000 annual spend maximum is reached and on all other purchases made on the Account. Scene+ points are only awarded on purchases. Scene+ points are not awarded for cash advances, balance transfers, , payments, returns, refunds or other similar credits, fees or interest or other charges. All dollar amounts are in Canadian currency unless otherwise stated.