Visa Infinite* Card
With the Award-Winning Scotiabank Passport™ Visa Infinite* Card earn up to 35,000 bonus Scotia Rewards points in your first year (that’s up to $350 towards travel)‡
Earn 25,000 bonus points with your first $1,000 in everyday purchases in the first 3 months (that’s up to $250 towards travel)1
Earn 10,000 bonus points when you spend at least $40,000 annually in everyday purchases (that’s up to $100 towards travel)2
Plus, enjoy no foreign transaction fees† and lounge access when travelling
Get the #1 travel points credit card 2019 by Rewards Canada
The only major bank credit card offering you no foreign transaction fees and 6 free airport lounge visits.Δ
Everyday purchases are more rewarding3
Earn 2 Scotia Rewards points on every $1 you spend on eligible grocery stores, dining, entertainment purchases, and daily transit purchases (including buses, subways, taxis and more).
Earn 1 Scotia Rewards point on every $1 you spend on all other eligible purchases.
Add supplementary cards to help get you there faster - you earn Scotia Rewards points on purchases charged to your account by supplementary cardmembers.4 Plus, the first additional card comes with no annual fee.
Enjoy valuable travel benefits
No FX Mark-Up†: 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.
Complimentary Airport Lounge Access16: Enjoy complimentary Priority Pass™ membership, plus 6 free visits per year from the date of enrolment. You must present your Priority Pass Membership Card (or Digital Membership Card) to enter the lounges. Enroll in your Complimentary Airport Lounge Access benefit offered through Priority Pass by visiting prioritypass.com/scotiabankpassport now.
Book travel and redeem easily
Redeem for travel anywhere, anytime, with no travel restrictions.
Book your next getaway through the Scotia Rewards Travel Service.5
Peace of mind for every trip
Travel without worry with our travel insurance benefits6
Scotiabank Rewards Program Terms and Conditions
Fees, rates & other information7
0.0 for one Supplementary Card and $50 for each Supplementary Card thereafter
19.99 / 22.99
19.99 on purchases. 22.99 on cash advances, balance transfers and Scotia Credit Card Cheques
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.
Your Card comes with great benefits
As a Scotiabank Passport Visa Infinite Cardmember, you’ll enjoy rewards and travel benefits.
Unlock more points.
When you spend at least $40,000 in purchases annually on your Scotiabank Passport Visa Infinite account, you will earn 10,000 bonus Scotia Rewards points!8
Beyond Travel Rewards
Reward yourself and choose from a wide selection of merchandise and gifts by visiting Scotia Rewards.14
Book and redeem easily
Book your next getaway through the Scotia Rewards Travel Service and take advantage of the Best Price Guarantee9 on airfare. Or book travel wherever you like (through a travel agency or online) and redeem Scotia Rewards points to cover the cost of your trip.10
Scotia Rewards & SCENE® Points Conversion11
You can convert your Scotia Rewards points to SCENE or your SCENE points to Scotia Rewards points instantly, anytime you want. Remember that you must have a SCENE account to convert Scotia Rewards points to SCENE points and please review the rate conversions.
Visit scotiarewards.com and see the Conversion Program terms and conditions for more details.
Complimentary Airport Lounge Access
Enjoy complimentary Priority Pass™ membership, plus six free visits per year from the date of enrolment.
Other travel benefits
Take advantage of the complimentary Avis® Preferred Plus membership12 as well as Visa Infinite Benefits13, which include Visa Infinite Concierge and the Luxury Hotel Collection.
Your card has you covered while you are travelling
While you’re away, you have comprehensive travel protection.
Travel Emergency Medical Insurance6
Coverage is provided for eligible persons under age 65 for up to 25 consecutive days and for eligible persons age 65 and older for up to 10 consecutive days.
Trip Cancellation / Trip Interruption Insurance6
Charge at least 75% of your trip costs to your Card and get trip interruption insurance at no extra cost.
Flight Delay Insurance6
Charge at least 75% of the full ticket cost to your Scotiabank Passport Visa Infinite Card Card and you’ll be eligible for reimbursement of necessary expenses such as hotel accommodations, meals and other emergency items.
Delayed and Lost Baggage Insurance6
Charge the full cost of your airplane, train, bus or cruise ship tickets to your Card. If your checked luggage is delayed or lost – you’re covered.
Travel Accident Insurance6
Charge at least 75% of your ticket cost to your Card and you’re insured against accidental loss of life or dismemberment.
Rental Car Collision Loss/Damage Insurance6
Charge the full cost of your eligible rental car to your Card and you’re automatically insured if your rental is damaged or stolen.
Hotel/Motel Burglary Insurance6
Use your Card to pay for your stay at any hotel or motel in Canada or the U.S.
For claim forms and answers to Frequently Asked Questions visit our partner's site.
Shop with added coverage
Added coverage means you can shop with confidence anywhere around the world.
Purchase Security & Extended Warranty Protection6
Most items purchased with your Card are insured against theft, loss or damage for 90 days from the purchase date and the manufacturer’s warranty is doubled for up to one year.
Price Protection Service6
Most items purchased with your Card are protected in the event of a price drop within 60-days of purchase
You also have all these advantages that come with being a Scotiabank Passport Visa Infinite Cardmember.
Save time at the checkout
Tap your Scotiabank Passport Visa Infinite Card or your smartphone for quick easy payments.
Get a Supplementary Card
Add an additional Supplementary Cardmember to your Scotiabank Passport Visa Infinite Account. One account, multiple cards. Added benefits! Get an additional card for a friend or family member.
Feel reassured (Optional protection)15
Your finances can have added protection from some of life's unpredictable events, like disability, job loss, strike or lockout, critical illness or loss of life.
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.
Compared to other consumer credit cards publicly offered by Canadian Schedule 1 banks as of September 1, 2019.
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.
For a limited time, become a new Scotiabank Passport Visa Infinite credit cardholder and earn a one-time 25,000 Scotia Reward point bonus with your first $1,000 in everyday eligible purchases if made within the first 3 months (the “Bonus Offer”). Bonus Offer ends March 1, 2020. Conditions apply - see below1 for further details. Bonus Offer may be changed, cancelled or extended 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 Scotia Rewards point bonus when you spend at least $40,000 in everyday eligible purchases annually on your Scotiabank Passport Visa Infinite account. Conditions apply - see below2 for further details.
The current annual fee for the Scotiabank Passport Visa Infinite credit card (“Account”) is $139 for the primary card, $0 for one additional supplementary card and $50 for each additional supplementary card thereafter.
The current preferred annual interest rates for this Account are: 19.99% on purchases and 22.99% on cash advances (including balance transfers, Scotia® Credit Card Cheques and cash-like transactions). All rates, fees, features and benefits are subject to change.
Bonus Offer Eligibility and Exclusions: Individuals who are currently or were previously primary or secondary cardholders of a Scotiabank retail credit card in the past 2 years, including those that switch from an existing Scotiabank retail credit card, as well as employees of Scotiabank, are not eligible for the 25,000 Scotia Rewards point bonus offer (the “Bonus Offer”). Subject to the above exclusions, Scotiabank small business credit cardholders are eligible for the Bonus Offer.
Bonus Offer Description and Conditions: To be eligible for the Bonus Offer, you must have at least $1,000 in eligible purchases posted to your new Scotiabank Passport Visa Infinite credit card account (“Account”) in the first 3 months from 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, Scotia® Credit Card Cheques or cash-like transactions), interest, fees or other charges. Any bonus points received under the Bonus Offer will be credited to the primary cardholder’s Scotia Rewards account within 5 to 10 business days after the first 3 months has passed, provided the Account is open and in good standing at time of payout. The Account is considered in good standing if it is not delinquent (past due) or over limit and the Cardholder(s) is not in breach of the Revolving Credit Agreement that applies to the Account. Offer applies to new Accounts only opened by March 1, 2020. Offer may be changed, cancelled or extended and cannot be combined with any other offers.
As a Scotiabank Passport Visa Infinite credit cardholder earn an annual Scotia Rewards point bonus starting at 10,000 bonus Scotia Rewards points when you make at least $40,000 in eligible purchases annually on your Scotiabank Passport Visa Infinite account (“Account”) each year (12-months). Eligible purchases include purchases (less any refunds, returns or other similar credits) but do not include payments, cash advances (including balance transfers, Scotia® Credit Card Cheques or cash-like transactions), interest, fees or other charges. Annual period starts from the Account open date and resets every 12 months thereafter. You will earn 2,000 bonus Scotia Rewards points for every additional $10,000 in Purchases thereafter in that same year, after the $40,000 annual spend has been reached.
Annual bonus Scotia Rewards points will be applied within two statement cycles after you have met the $40,000 annual spend threshold on the Account or within two statement cycles after you have met each additional $10,000 annual spend threshold on the Account, provided your Account is open and in good standing. The Account is considered in good standing if it is not delinquent (past due) or over limit and the Cardholders(s) is not in breach of the Revolving Credit Agreement that applies to the Account.
You will earn 2 points per $1 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 Theaters, 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 these 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.
Scotia Rewards points are only awarded on purchases. Scotia Rewards 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. Scotia Rewards points must be redeemed within 60 days of Account closure or they will be deleted permanently. If your Account is not in good standing, the accumulated Scotia Rewards points are not eligible for redemption.
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. Cardmember
Scotia Rewards Travel Service booking site provided by a duly licensed 3rd party travel agent: Visit scotiarewards.com for full terms and conditions about the Scotia Rewards Program, including the Scotia Rewards Travel Service.
Common Carrier Travel Accident Insurance coverage is underwritten by American Bankers Life Assurance Company of Florida. Travel Emergency Medical Insurance is underwritten by American Bankers Life Assurance Company of Florida, except for travel in Cuba which is underwritten by Zurich Insurance Company Ltd. All other coverages are underwritten by American Bankers Insurance Company of Florida. The Bank of Nova Scotia is not an insurer. All claims for insurance indemnities must be forwarded to the insurers. Details of the coverage, including definitions, benefits, limitations, and exclusions, including a pre-existing condition for certain benefits, are in the Certificate of Insurance and Terms and Conditions provided with the card. Read the Certificate of Insurance and Terms and Conditions and keep them in a safe place with your other valuable documents.
Earn 10,000 bonus Scotia Rewards points when you make at least $40,000 in purchases annually on your Scotiabank Passport Visa Infinite account (the “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 Scotia Rewards points for every additional $10,000 in purchases thereafter in that same year, after the $40,000 annual spend has been reached. These bonus points are only earned on purchases. Bonus Scotia Rewards points are not awarded for cash advances, balance transfers, Scotia Credit Card Cheques, cash-like transactions, payments, returns, refunds or other similar credits, fees, interest or other charges.
Bonus Scotia Rewards points will be applied within two statement cycles after you have met the $40,000 annual spend threshold on the Account or within two statement cycles after you have met each additional $10,000 annual spend threshold on the Account, provided your Account is open and in good standing.
Best Price Guarantee on Airfare is provided by HRG and is only available within 24 hours of time of booking. All offers are based on availability. Offers are subject to merchants' standard booking requirements, terms, and conditions. Offer cannot be combined with other offers, promotions, discounts, or programs, and may not be redeemed for cash. Complete terms and conditions are available at scotiarewards.com. The Bank of Nova Scotia is not responsible for the best available price guarantee.
You can purchase eligible travel or related travel expenses at a travel provider other than the Scotia Rewards Travel Service (e.g., other travel agencies, tour operators and online travel websites) (the “Other Travel Suppliers”). These types of purchases at Other Travel Suppliers are called “Post Purchase Travel Redemptions”. Scotia Rewards points are redeemable for Post Purchase Travel Redemptions made through your Program Card. To redeem Scotia Rewards points for a Post Purchase Travel Redemption at Other Travel Suppliers, the purchase must first appear (post) on the Program Card Account. Scotia Rewards Cardmembers can then redeem points towards the amount of the Post Purchase Travel Redemption charged to the Program Account through scotiarewards.com or by calling 1-800-665-2582.The Post Purchase Travel Redemption must be charged on your Program Card Account and recognized by our systems with the Merchant Category Codes or identifiers: airlines & air carriers; airports, flying fields, and airport terminals; lodgings, hotels, motels and resorts; trailer parks and campgrounds; passenger railways; bus lines; steamship and cruise lines; travel agencies and tour operators; automobile rental agency; motor home and recreational vehicle rentals. These Merchant codes/identifiers and categories are subject to change. The Post Purchase Travel Redemption can include related taxes, booking fees, airport fees and travel insurance premiums. You must redeem Scotia Rewards points within 12 months from the date when the Post Purchase Travel Redemption is posted to the Program Card Account (the posting date). It may take up to two statement periods for the points redeemed towards a Post Purchase Travel Redemption to appear as a credit on your Program Card Account. Points redeemed cannot be reversed once posted to the Account. To redeem Scotia Rewards Points towards your Post Purchase Travel Redemption, the Program Card Account must be open and in good standing. The value of the points redeemed cannot exceed the amount of the Post Purchase Travel Redemption charged to your Program Card Account. The minimum point redemption is 5,000 points (5,000 points is equivalent to $50 in travel savings) each time a redemption towards a Post Purchase Travel Redemption is made.
Scotia Rewards points can be converted into SCENE points and SCENE points can be converted into Scotia Rewards points. To do so, you must have a Scotiabank card account that earns Scotia Rewards points (the “Scotiabank Program Card Account”) and is in good standing, and a valid SCENE membership card. You must convert a minimum of 1,000 points per conversion. You can convert points up to a maximum of 4 times within a 24 hour period. Conversions cannot be reversed or cancelled once completed. These conversions are subject to the terms of your Points Conversion Terms and Conditions. See the Points Conversion Terms and Conditions on scotiarewards.com for full details.
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 Scotia Rewards program terms and conditions for full details.
Scotia Credit Card Protection is a group insurance policy underwritten by Chubb Life Insurance Company of Canada. All coverage is subject to terms and conditions including limitations and exclusions which are outlined in the Certificate of Insurance which you will receive upon enrolment.
20% of your outstanding credit card account balance up to 10 months to a maximum of $5,000 per month and a total maximum of $50,000 if you are unable to work due to involuntary Job Loss, Strike or Lockout or become disabled.
Critical Illness, Disability, Job Loss and Strike/Lockout coverage terminates at age 70, Life coverage terminates at age 80.
Priority Pass™ membership is for the Primary Cardmember on the Scotiabank Passport Visa Infinite account. It includes access to airport lounges participating in the Priority Pass program. Certain terms, conditions and exclusions apply. Unless cancelled, Priority Pass membership automatically renews on its anniversary date. Priority Pass membership will be cancelled if your Scotiabank Passport Visa Infinite Card is cancelled. Lounge visits are counted on a per person per visit basis (e.g. Lounge access by a Cardmember and one accompanying guest will count as two (2) visits). The first 6 lounge visits for the primary Cardmember per 12-month cycle from date of enrolment are complimentary. Beginning with the 7th visit for the primary Cardmember, lounge visits are subject to a per person per visit charge of $32 USD (this per visit fee is subject to change by Priority Pass). For complete Priority Pass terms and conditions, please visit http://www.prioritypass.com/Conditions-of-use.cfm. Priority Pass membership and services are provided by a third party and offered through Visa Canada. The Bank of Nova Scotia and Visa, and each of their affiliates, are not responsible for the Priority Pass membership or services.
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
The Scotiabank StartRight Program created for Canadian Landed Immigrants from 0-3 years in Canada, International Students and Foreign Workers.
Registered trademark of The Bank of Nova Scotia.
Trademark of The Bank of Nova Scotia.
Visa Int./ Licensed User
SCENE® and SCENE Design™ are the trademarks of SCENE IP LP