Scotiabank Passport™ Visa Infinite* Card
Get up to $1,600 in travel value◊ with no annual fee in the first year† and 5X the points± on travel purchases.†
The only major bank credit card offering you no foreign transaction fees, including for shopping online or abroad.**
Earn up to 40,000 bonus Scotia Rewards points in your first year (that’s up to $400 towards travel).‡ Plus, no annual fee in the first year, including on supplementary cards and 5X Scotia Rewards points on Travel for the first 3 months (up to $2,500 in total travel purchases).‡
- Earn 30,000 bonus Scotia Rewards points when you spend $1,000 in everyday eligible purchases in the first 3 months.
- Earn 10,000 bonus Scotia Rewards points when you spend at least $40,000 in everyday eligible purchases annually.
- Redeem your Scotia Rewards points towards statement credits, travel, the latest in tech, gift cards and more!
Scotiabank Passport™ Visa Infinite* Card
Fees and rates
(Annual fee waived in the first year)
19.99% / 22.99%
On purchases / cash advances
Minimum credit limit
First supplementary Card2
($50/year on each additional Card)
Your award-winning card for travel
Winner of the 2021 MoneySense Best Rewards Card for 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 for No Foreign Transaction Fees
Winner of the 2019 RateHub Best Travel Perks Card
Break free with Scotiabank Passport™ Visa* Infinite Card
See all that's included with your Card
Everyday purchases are more rewarding1
Special offer for the first 3 months:
Earn 5X the points± on travel purchases.†
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.
Scotiabank Rewards Program Terms and conditions
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.§
Pay no foreign transaction fees
Check out how your card saves you 2.5% on all your foreign currency purchases.**
Save 2.5% while cross-border shopping online.**
Watch the video to see how it works.
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
Compared to other consumer credit cards publicly offered by Canadian Schedule 1 banks as of January 16, 2020.
Savings and reward potential in first year based on the following card usage and offers:
$300 in travel rewards (30,000 bonus Scotia Rewards points) when you spend $1,000 within your first 3 months;
$100 in travel rewards (10,000 bonus Scotia Rewards points) when you spend at least $40,000 annually;
$139 in annual fee savings for the first year;
$125 in travel rewards (earn 5X Scotia Rewards points on up to $2,500 in Travel purchases made in the first 3 months).
$104 in foreign transaction fee savings based on average first year annual foreign spend (save the 2.5% foreign transaction fee typically charged by other card issuers)
$474 in travel rewards (47,406 Scotia Rewards Points) on everyday purchases based on average annual first year spend in 2x accelerator categories
$50 supplementary card fee waiver on your first supplementary card; and
$392 value with a complimentary Priority Pass Membership and 6 lounge passes (approx. CAD$133.39 annual membership fee and CDN$43.12 per pass).
Potential First Year Travel Value = approx. $1684
Actual savings and rewards earned will depend on individual card usage and eligibility for applicable offers. Conditions apply.
Up to $2500 in eligible spend for the first 3 months.
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.
The 30,000 Bonus Scotia Rewards Points, First Year Annual Fee Waiver and 5X Scotia Rewards Points on Travel Offer (the “Offer”) applies only to new Scotiabank Passport Visa Infinite credit card accounts (“Accounts”) opened by November 21, 2021 and is subject to the below terms and conditions. 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 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 below for further details.
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 Offer. Subject to the above exclusions, Scotiabank small business credit cardholders are eligible for the Offer.
30,000 Bonus Scotia Rewards Point Offer Description and Conditions: To qualify for the 30,000 bonus Scotia Rewards points (the “Bonus Offer”), you must have at least $1,000 in eligible purchases posted to your new Account within the first 3 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. The 30,000 Bonus Offer points will be credited to the primary cardholder’s Scotia Rewards 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 November 21, 2021.
Annual Fee Waiver Offer Description and Conditions: We will waive the initial annual fee for the primary card and each additional supplementary card on the Account for the first year only.
5X Scotia Rewards Points on Travel Offer Description and Conditions: You will earn 5 Scotia Rewards points per $1 charged to the Account for eligible purchases in Canadian currency at merchant locations classiﬁed as Travel within the first 3 months of the Account open date (the “Promotional Period”) up to $2,500 in total travel purchases. After the Promotional Period, you will earn 1 Scotia Reward point for every CAD$1 spent on eligible Travel purchases. You will earn the accelerated Scotia Rewards points (5X) under the Scotia Rewards Program (the “Program”) if you make purchases in Canadian currency only. For purchases that are made in foreign currency, you will only earn 1 Scotia Rewards point for every $1 charged to the Account once that foreign currency has been converted into Canadian dollars. The accelerated earn rate applies to purchases made at Visa merchants in the Travel category 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; 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. Some merchants may sell these products/services or are separate merchants who are located on the premises of these merchants, but are classiﬁed by Visa in another manner, in which case this Offer would not apply. The regular 1X Travel points will be credited shortly after a debit transaction for a purchase has been posted to the Account. The additional 4X Travel points will be credited to the Account within 60 days.
Cash advances (including balance transfers, Scotia® Credit Card Cheques and cash-like transactions), interest, fees or other charges, card payments and returns, refunds or other similar credits do not earn Scotia Rewards points. Scotia Rewards points will not be posted to an Account that is not in good standing when purchases are made or when a statement is issued, or to an Account that is not open when the statement is issued. 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. For full program terms and conditions, visit www.scotiarewards.com.
10,000 Annual Bonus Scotia Rewards Point Conditions: As a Scotiabank Passport Visa Infinite credit cardholder you can earn an annual Scotia Rewards point bonus starting at 10,000 Scotia Rewards 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 Scotia Rewards 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, Scotia® Credit Card Cheques or cash-like transactions), interest, fees or other charges.
The Annual bonus Scotia Rewards 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).
Rates and Fees: The current annual fee 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.
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 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 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.
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.
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.
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.
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.
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 www.prioritypass.com/Conditions-of-use. 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.
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.
Visa Int. / Licensed User
Click to Pay is an online checkout solution provided by a third party that supports American Express, Mastercard and Visa cards and is based on EMV® SRC Specifications. The Bank of Nova Scotia is not responsible for this service.
Scotia SelectPay Conditions apply, review Terms and Conditions for more details.
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.