Scotiabank Passport® Visa Infinite* Card
The only major bankΔ offering you no foreign transaction fees, including for shopping online or abroad.**
Earn up to 3X the Scene+TM points when you spend $1 on eligible grocery, dining and entertainment purchases.1
Earn up to $1,100* in value in the first 12 months, including up to 35,000 bonus Scene+ points.‡
Scotiabank Passport® Visa Infinite* Card
Is this Credit Card right for you?
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
Fees, rates & other information5
A new, flexible way to pay off your eligible Scotiabank Visa* credit card purchases of $100 or more, with no interest rate on your plan and a low fee.§
Your award-winning card for travel
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
Winner of the 2021 MoneySense Best Rewards Card with No Foreign Transaction Fees
Winner of the 2021 RateHub Best No Foreign Transaction Fee Credit Card
Winner of the 2020 MoneySense Best Travel Points Card with No Foreign Transaction Fees
Ways to earn Scene+ points
Eat in and Eat out
Earn 2 Scene+ points1 for every $1 you spend on dining and at other eligible grocery stores.
Watch and Cheer
Earn 2 Scene+ points1 for every $1 you spend on eligible entertainment purchases. Includes movies, theatre, and ticket agencies.
Earn 2 Scene+ points1 for every $1 you spend on eligible daily transit options. Includes rideshare, buses, taxis, subway, and more.
Plus earn 1 Scene+ point for every $1 spent on all other eligible everyday purchases.
Your Card comes with great benefits
As a Scotiabank Passport® Visa Infinite* Card member, you’ll enjoy rewards and travel benefits.9
Earn Scene+ points
New Earn and redeem Scene+ points when you shop at over 1,100 eligible grocery stores across Canada including Sobeys, Safeway, IGA, Foodland & Participating Co-ops, and more.
No foreign transaction fees**
You will not be charged a Foreign Currency Conversion mark-up on foreign currency purchases whether you make them online or outside of Canada. Only the exchange rate applies.
6 Complimentary airport lounge access10
Your card gives you (the Primary Cardholder) complimentary Visa Airport Companion Program (“Program”) membership, plus six complimentary lounge visits per year from the date of enrollment, providing you with access to 1,200+ airport lounges globally, including participating Plaza Premium Lounges. Use the six complimentary lounge visits for yourself or anyone travelling with you.
Book and redeem easily
Book your next getaway with Scene+ Travel.3 Or book travel wherever you like (through a travel agency or online) and redeem Scene+ points to cover the cost of your trip.6
Save on car rentals
Take advantage of the complimentary Avis® Preferred Plus membership.7
Save time at the checkout
Tap your Scotiabank Passport® Visa Infinite* Card or your smartphone for quick easy payments.
Take advantage of these one-of-a-kind dining, entertainment adventures, and exclusive benefits for Visa Infinite Card holders.8
Visa Infinite Concierge Service
Whether you need help planning your trip, booking restaurant reservations, or scoring tickets to a show, our concierge is happy to assist you 24/7.11
Visa Infinite Hotel Collection
Save with the best available rates – guaranteed. Receive an automatic room upgrade when it’s available and free Wi-Fi in your room when you check in.
Visa Infinite Dining and Wine Country program
Dine with some of the biggest names in the food and wine industry in a private, sophisticated setting. Savour a delicious, multi-course meal and expertly paired wines.
For details, and to check out the current exclusive Card holder offers, visit Visainfinite.ca.
Get a supplementary Card
Add an additional Supplementary Cardholder to your Scotiabank Passport® Visa Infinite* Card. One account, multiple cards. Added benefits! Get an additional Card for a friend or family member8.
See your rewards and save.
Scene+ Program Terms and Conditions
How to qualify
You must have a minimum annual income of $60,000 or a minimum household income of $100,000 or a minimum assets under management of $250,000.
Get the Scotiabank Passport® Visa* Infinite Card
Pay no foreign transaction fees
Check out how your card saves you 2.5% on all your foreign currency purchases.**
Save 2.5% on all your foreign currency purchases.**
Watch the video to see how it works.
Scene+ makes every experience more rewarding.
Scene+ is our enhanced rewards program that allows members to earn and redeem points for travel, shopping, dining and more.
A bank account that does more, means you will too.
Receive an annual fee waiver on select credit cards by signing up for a Preferred Package or Ultimate Package.
Manage your credit card
Compared to other consumer credit cards publicly offered by Canadian Schedule 1 banks as of March 3, 2023.
We do not charge any foreign currency conversion fees, only the exchange rate applies. See the Application Disclosure Statement, under "Foreign Currency Conversion Fees" section for full details.
Savings and reward potential in first 12 months based on the following card usage and offers:
$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.
Potential First Year Value = up to $1,134
Actual savings and rewards earned will depend on individual card usage and eligibility for applicable offers. Conditions apply.
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 January 3, 2024 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 January 3, 2024. All other terms and conditions of the Program Terms continue to apply during the Offer period.
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 (including those issued to co-borrowers and supplementary cardholders). 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.
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, Scotia® Credit Card Cheques, payments, returns, refunds or other similar credits, fees or interest or other charges. All dollar amounts are in Canadian currency unless otherwise stated.
The primary cardmember and/or co-borrower are liable for all charges incurred on the Scotiabank credit card account by any supplementary card issued in connection with the account.
The Scene+ Travel website and call center are owned and operated by Expedia Group, a third-party travel service provider (the “Scene+ Travel Partner”). To earn or redeem Points, travel must be booked through the Scene+ Travel website or Scene+ Travel call centre. Travel booked via the Scene+ Travel call centre may be subject to a booking fee. Prices are in Canadian dollars unless otherwise specified. Prices and points requirement are available on the website, and subject to change. The Scene+ Travel Partner may impose terms and conditions that supplement the ‘Additional Terms and Conditions for Scene+ Travel’ included in the Scene+ Program Terms and Conditions. Scene LP and its owners are not responsible for the products and services made available to you by third parties.
Earning Scene+ Points for Scene+ Travel purchases: Scene+ points are earned on eligible travel purchases made through Scene+ Travel website or call centre (collectively “Scene+ Travel)”. Scene+ Points are only earned on the total value of hotel or car rental booking purchases (excluding taxes and fees) made through Scene+ Travel regardless of the payment method used for the purchase (Scene+ points redemption and/or payment card purchases). Points earned will be added to your Scene+ account within six weeks from the completion of your travel itinerary.
Paying for your eligible Scene+ Travel purchase: Points may be redeemed for the entire amount of the hotel or car rental booking purchases (including taxes and fees), or redeemed in part with the remaining balance paid by an available payment card.
Under all insurance coverages or services, certain limitations, restrictions and exclusions apply, including a pre-existing condition exclusion for certain benefits. Please see the Certificates of Insurance for full coverage details. Coverages are underwritten by The Manufacturers Life Insurance Company and its wholly owned subsidiary First North American Insurance Company. The Bank of Nova Scotia is not an insurer. All insurance claims must be forwarded to the insurance providers.
Apply Points to Travel redemptions are only permitted towards an eligible travel purchase charged to a Scotiabank credit card or debit card that earns Scene+ Points. Redemptions must be requested through sceneplus.ca or the Scene+ app within 12 months of the travel purchase transaction date. Minimum Scene+ Point redemption thresholds apply. For full terms and conditions, click here.
The savings of up to 25% applies to Avis base rates and is applicable only to the time and mileage charges of the rental. All taxes, fees (including but not limited Air Conditioning Excise Recovery Fee, Concession Recovery Fee, Vehicle License Recovery Fee, Energy Recovery Fee, Tire Management Fee, and Frequent Traveler Fee) and surcharges (including but not limited to Customer Facility Charge and Environmental Fee Recovery Charge) are extra. Avis Preferred Plus membership and services are provided by a third party. The Bank of Nova Scotia and its affiliates are not responsible for Avis Preferred Plus membership and services.
Terms and conditions apply. See the Scene+ program terms and conditions for full details.
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.
Concierge Service provided by a duly licensed third-party premium concierge provider: AXA Assistance USA, Inc.
Apple Pay works with iPhone 6 and later in stores, apps, and websites in Safari; with Apple Watch in stores and apps; with iPad Pro, iPad Air 2, and iPad mini 3 and later in apps and websites; and with Mac in Safari with an Apple Pay enabled iPhone 6 or later or Apple Watch. For a list of compatible Apple Pay devices, see https://support.apple.com/km207105
All Scotiabank retail credit cards, except ScotiaLine Visa Card, Scotiabank Value Visa Card, and No-Fee Scotiabank Value Visa Card, will have Visa payWave when issued or reissued. Visa payWave™ is a Trademark of Visa Int./Lic. User.