Scotiabank Passport® Visa Infinite +^* Card

We will not charge you Foreign Transaction Fees on foreign currency transactions, including purchases, only the exchange rate applies. The term “Foreign Transaction Fees” is a substitute for “Foreign Currency Conversion” as described in the Disclosure Statement you received with your Card. This fee relates to the 2.5% mark-up that is typically charged by credit card issuers in addition to the exchange rate. See the Foreign Currency Conversion section of the Disclosure Statement for this Card for full details. Rates and fees 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). 

 

To view a full list of participating airport lounges, their facilities, opening times and restrictions Cardholders can visit the Program App and Website. To view the full Terms and Conditions for the Program, including DragonPass Terms of Use and Privacy Policy and Visa’s Privacy Policy that apply to the Program, visit the Visa Airport Companion Program App or Website. 

 

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. 

You must be an eligible Canadian-issued Visa Infinite+® cardholder (“Eligible Card”) to take advantage of the Visa GigSky offer and Travel Essentials. To participate in the Offer and Travel Essentials, you must have an Eligible Card issued in your name, ensure your Eligible Card account is in good standing, and add the Eligible Card as the default payment method in the GigSky App. These Global Mobile Data plan options offer terms (these “Offer Terms”) apply to the offer (the “Offer”) made available to the Eligible Cards by GigSky, Inc. (“GigSky”). Any Offer Plan continues to be subject to the standard GigSky Terms of Service.

 

Travel Essentials by GigSky ("Travel Essentials") is a GigSky service that provides access to select essential applications designed for lower data usage activities while traveling internationally. Travel Essentials is provided by GigSky, Inc. ("GigSky") and is available through the GigSky App on compatible eSIM-enabled devices.

Travel Essentials is intended for lower data-usage activities such as messaging, navigation, email, and travel-related services. Data-intensive activities, including streaming audio or video, video calling, voice calls, or large file transfers, are not supported under Travel Essentials.

 

Activities not supported by Travel Essentials may be completed by redeeming or purchasing a separate GigSky global mobile data plan for use on the same eSIM. Travel Essentials does not replace or modify any standard GigSky global mobile data plan and may be available concurrently with other Offer Plans. Travel Essentials will be subject to the standard GigSky Terms of Service.

 

The Offer and Travel Essentials is solely offered by GigSky, and Visa is not providing or responsible for any Offer Plans, Discounts or GigSky Products, including but not limited to Travel Essentials, hereunder. GigSky reserves the right to terminate your Offer Plan or your access to Travel Essentials if you no longer hold an Eligible Card or such Eligible Card is no longer in good standing. GigSky reserves the right to terminate the Offer,any Offer Plan, or Travel Essentials, or change the terms of the Offer, Offer Plan, or Travel Essentials at any time and without notice and in its sole and absolute discretion. This Offer cannot be combined with other discounts and/or offers and is not redeemable for cash. Any taxes are the sole responsibility of the purchaser. The Offer is void where prohibited or restricted by applicable law. GigSky reserves the right to deny you participation in the Offer or Travel Essentials if GigSky suspects abuse or misuse of the Offer or Travel Essentials, in its sole discretion. You agree and acknowledge that GigSky may share your personal information with Visa and your debit or credit card issuing bank in connection with redemption of the Offer and use of an Offer Plan or Travel Essentials. For information about how we collect and use your Personal Information please see GigSky’s privacy policy at: https://www.gigsky.com/terms-and-conditions/privacy-policy.

Cardholders must use their eligible Canadian-issued Visa Infinite card to reserve and pay for their hotel stay through the Visa Infinite Luxury Hotel Collection website or Visa Infinite Concierge to receive Visa premium card benefits. Visa reserves the right to modify or cancel this offer at any time and without notice. The Visa Infinite Luxury Hotel Collection benefits and services are provided by the individual hotels or their operators and suppliers; neither Visa nor the Issuer is responsible for any claims or damages arising from use of the Visa Infinite Luxury Hotel Collection. For full program terms and conditions, please visit: https://www.visainfiniteluxuryhotels.ca/about/benefits  or https://www.visa.ca/en_CA/pay-with-visa/cards/credit-cards/infinite/terms-and-conditions.html.

You must be an eligible Visa Infinite or Visa Infinite Business Cardholder with a valid Canadian-issued Visa Infinite or Visa Infinite Business Card to take advantage of the Visa RSVP Rewards Benefit (“Benefit”), provided by Northland Properties Corporation (“Northland”). Cardholders must enroll for the RSVP Rewards program (“RSVP Rewards”) at rsvprewards.com/sign-up using their eligible Card to qualify for the Benefit; existing RSVP Rewards program members who are eligible Cardholders should call 1.800.726.3626 for instructions on how to obtain the Benefit. Once enrolled, eligible Cardholders will receive automatic Platinum Status in the RSVP Rewards program. Current tier benefits can be found at rsvprewards.com/terms-conditions and are subject to change. The Card number used for enrollment in the Benefit may be validated for continued eligibility for the Benefit on an annual basis. If you cease to be an eligible Cardholder, the automatic status gained from the Benefit may be removed. Cardholders who enroll for the Benefit are subject to the RSVP Rewards’ Terms and Conditions and Privacy Policy as well as the Visa Privacy Notice. The Benefit is non-transferable and may be discontinued at any time. The Visa RSVP Rewards Benefit is provided by Northland and neither Visa nor the Issuer is responsible for any claims or damages arising from using the RSVP Rewards program or the Benefit.

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.

Visa Infinite Dining Series offers are available to Visa Infinite and Visa Infinite Privilege cardholders. Limit of 6 tickets per cardholder, and tickets are subject to availability. Purchased tickets must be cancelled more than 4 days before the event date for standard events, and 10 days before the event date for Prix Fixe Experiences - otherwise purchases are non-refundable. Events may be modified or cancelled, by Visa, in whole or in part at any time, for any reason, without prior notice or liability to any person. Advertised chefs and sommeliers may change without notice. Seating requests and special dietary restrictions and allergies will be considered when requested at booking, but cannot always be accommodated. Venues are not conducive to young children. Please drink responsibly. Visit visa.ca/infinite for full details and terms.

 

Cardholders will be informed at least seven business days prior to an event of any change, postponement or cancellation. In the event of a cancellation, cardholders will receive a full refund. Cardholders must follow all provincial guidelines and cooperate with restaurant policies. In the event a guest fails to comply with provincial or restaurant policies, the restaurant and/or Visa and it’s service providers reserve the right to, without any refund or compensation, terminate such person's right to attend the event. The offers described herein are only available to Canadian Visa Infinite and Visa Infinite Privilege cardholders. The appearance by all chefs, sommeliers, and bartenders and livestream events is subject to change without notice. Offer is based on availability and additional terms and conditions may apply. Visit visa.ca/infinite for details.

Eligible Visa Infinite and Visa Infinite Privilege cardholders must be legal drinking age to participate in this benefit. Reservations are mandatory for the wineries that are flagged by a star [*] on visa.ca/infinite. Please contact the winery directly for reservations, hours of operation, blackout dates and other details. Tours, tastings, selection of merchandise, including wine, may be subject to availability. Eligible Visa Infinite and Visa Infinite Privilege card must be presented at winery and used for any program-related purchases. Wine experiences may be modified or cancelled, by Visa or wineries, in whole or in part at any time, for any reason, without prior notice or liability to any person. Please drink responsibly. Venues are not conducive to young children.

The goods and services cardholders request or otherwise choose to obtain through the Visa Infinite Concierge Service are provided by various third party service providers unrelated to Visa. Visa does not endorse, review or qualify these service providers. Visa makes no representations or warranties (either express or implied) about, and assumes no responsibility or liability for these service providers or the goods and services that may be obtained through the Visa Infinite Concierge. Neither Visa nor the Issuer is responsible for any claims or damages arising from use of any benefits or services provided by a third party. Visa cannot guarantee the successful fulfillment of cardholders’ requests in all instances. There is no fee for the Concierge’s services, however cardholders are responsible for the cost of any goods or services (including any related fees or costs) authorized by the cardholder and purchased by the Visa Infinite Concierge on the cardholder’s behalf. All costs will be charged directly to the cardholder’s Visa Infinite card.

You must be an eligible Canadian Visa Infinite cardholder with a valid Visa Infinite card to take advantage of the Visa Infinite Access Golf Benefit. The Visa Infinite Access Golf Benefit may be cancelled if your Visa Infinite card is cancelled.  By reserving through Access, the cardholder consents to be bound by all the terms and conditions, as stated herein through the Visa Infinite Access Golf Benefit, as well as the  Access Rewards®^** Terms and Conditions and the Troon Privacy Policy. Troon, Visa and its Issuers, or any of its Concierge providers, are not responsible for any claims or damages arising from this offer.  Troon and Visa reserve the right to modify or cancel this benefit at any time without notice. Should you require assistance enrolling for this benefit, please email the Concierge at info@troon.com.
 

Elevated Access Rewards Status

Canadian-issued Visa Infinite credit Cardholders are entitled to receive complimentary Silver Status in the Access Rewards program upon enrollment into Access Rewards via the Visa Infinite Access website. Existing Access Rewards members who register via the Visa Infinite Access website will be upgraded to the next membership level.

At the Silver, Gold and Platinum membership levels, the cardholder will be entitled to earn a points multiplier of 1.1x, 1.15x and 1.2x per $1 spent respectively on rounds of golf reserved on the Visa Infinite Access website when using their Visa Infinite credit card.

Scotia SelectPay Conditions apply. Review Terms and Conditions for full details or visit scotiabank.com/selectpay to learn more.

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 3 points and 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.

 

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 (the “Annual Point Bonus”) 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. If you switch from another Scene+ eligible Credit Card to the Passport Visa Infinite + Card (vs. it being opened as a new or additional Card), your original Account open date will carry over to your new Passport Infinite + Card and your annual period for this offer will begin on the next anniversary of your original Account open date. For Example: If you originally opened a Scotiabank®* Gold American Express® Card on January 15, 2022, and switch that Card to the Scotiabank Passport® Visa Infinite +^* Card on July 15, 2025 – your annual period for the 10,000 annual Scene+ point offer will begin on January 15, 2026 (your next Anniversary) and will reset annually on January 15th afterwards. You can also 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 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 and Things to Do purchased through Scene+ Travel website or call centre (collectively “Scene+ Travel)”. Scene+ Points are earned on the total value of Things to do, hotel or car rental booking purchases (including 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 things to do, flight, hotel or car rental booking purchases (including taxes and fees), or redeemed in part with the remaining balance paid by an available payment card. Additional Scene+ Travel Program Terms and Conditions. Click here for details.

If your account with Scotiabank that earns Scene+ Points is not in good standing, the accumulated Scene+ Points earned on that account are not eligible for redemption. Your Scene+ Account may be closed if your Scene+ Membership Card was not used to earn, redeem or complete any other reward transaction activity in more than 24 consecutive months, unless you have a Scene+ Scotiabank debit or Credit Card that earns Scene+ Points that has not been cancelled and for which the underlying account remains open with Scotiabank. If your Scene+ Account is closed, you will forfeit all Scene+ Points in your Scene+ Account. Unless prohibited by law, earning Scene+ Points through a Scene+ Scotiabank debit or Credit Card shall not be considered earning Scene+ Points on your Scene+ Account unless the Scene+ Scotiabank debit or Credit Card has been linked to your Scene+ Account. If your Scene+ Scotiabank Credit Card is closed by Scotiabank because it is not in good standing, only the Scene+ Points earned on the Credit Card will be forfeited immediately. For more details, refer to the Scene+ Program Terms and Conditions.

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. Visit https://www.sceneplus.ca/terms-and-conditions for full terms and conditions.

To earn Rakuten Cash Back in Scene+ points, you must be a member of both Scene+ and Rakuten.ca, and select Scene+ as the Cash Back payment method through your Rakuten.ca account. Must be 18 or older to join Rakuten.CA. Cash Back is earned on eligible purchases made through Rakuten.ca, and is paid out quarterly at the rate of one Scene+ point for every $0.01 earned in Cash Back. As part of the Scene+ Rakuten program, Scene+ members can earn up to 20% more in Cash Back on purchases made through select merchants compared to other Rakuten members. Additional terms and conditions apply. Visit https://www.rakuten.ca/help/terms-conditions for more information. Scene LP and its owners are not responsible for the products and services made available to you by third parties.

Points for Credit: You can use your Scene+ Points for a credit on participating Scotiabank debit card and credit card accounts that earn Scene+ Points (the “Eligible Scotiabank Scene+ Card Accounts”). Once the request to redeem Points for Credit has been submitted, you cannot cancel the request and no changes can be made. It may take up to 2-3 business days, following a request to redeem Points for Credit, for the credit to appear on the eligible Scotiabank Scene+ debit card account, and up to 5 business days for the credit to appear on the eligible Scotiabank Scene+ credit card account. Your Eligible Scotiabank Scene+ Card Account must be open at the time the credit is applied to the account to receive any Points for Credit.

 

For credit cards: Points for Credit redemptions will be applied towards the balance of the credit card account, and not towards a particular transaction. Please note that even if you redeem for Points for Credit you are still responsible for making any monthly minimum payment applicable to your eligible Scotiabank Scene+ credit card account by your payment due date.

 

See the applicable “Points for Credit” section of the “Additional Terms and Conditions for Scotiabank Visa Cardmembers”, “Additional Terms and Conditions for Scotiabank American Express Cardmembers”, or “Additional Terms and Conditions for Scotiabank Debit Card members” for details.

Cineplex

Scene+ points may be earned and redeemed on food and drink (excluding alcoholic beverages) at Cineplex® theatres including concessions, Outtakes®, YoYo’s Yogurt Café®, Pizza Pizza®, Poptopia®, Starbucks®, Cineplex VIP™ Lounges and in-seat dining. Only one Scene+ membership card can be used per purchase. Cineplex®, Outtakes®, Poptopia® and Cineplex VIP™, owned by Cineplex Entertainment LP, used under license. YoYo’s Yogurt Café®, owned by YYC Franchise Corporation, used with permission. Pizza Pizza®, owned by Pizza Pizza Royalty Limited Partnership, used with permission. Starbucks®, owned by Starbucks Corporation, used with permission.

 

The Rec Room

Scene+ members can redeem Scene+ points in multiples of 1,000 points per ten-dollar ($10.00) discount off the net purchase price (excluding taxes, alcohol, and gratuity), shown on the receipt at The Rec Room locations, to a maximum of 35,000 Scene+ points ($350.00) per cheque. By way of example only, if your net purchase price is $104.59, you will be able to redeem ten thousand (10,000) Scene+ points, for a $100.00 reduction in your bill.

 

Scene+ members can redeem 100 points for $1.00 towards the purchase of admission tickets, applicable taxes, and fees.

 

Playdium

Members can redeem SCENE Points in multiple of 500 Points per five-dollar ($5.00) discount off the net purchase price (excluding taxes, alcohol, and gratuity), shown on the receipt at select Playdium locations, to a maximum of 35,000 SCENE Points ($350.00) per bill. By way of example only, if your net purchase is $104.59, you will be able to redeem ten thousand (10,000) SCENE Points, for a $100.00 reduction in your bill.

Scene+ points redeemed at any Participating Empire Locations must be redeemed in increments of 1,000. Exclusions may apply, see full terms and conditions at sceneplus.ca.

Scene+ members are able to redeem 1,000 Scene+ Points as a $10.00 reduction in the total purchase, including taxes, at HH Retail Channels to a maximum of $500 per redemption transaction. Scene+ members must present (scan, swipe, key-in) their Scene+ membership card, temporary Scene+ card or mobile card, at time of payment in order to earn or redeem Scene+ points. Only one (1) Scene+ membership card per transaction permitted.

Under all insurance coverages or services, certain limitations, restrictions, and exclusions apply, including a pre-existing condition exclusion for certain benefits. The enclosed Insurance Certificates included with your Welcome Kit contain full details of all coverages including definitions, benefits, limitations, and exclusions and Terms and Conditions. Read the Certificates of Insurance and Terms and Conditions and keep them in a safe place with your other valuable documents. Underwritten by The Manufacturers Life Insurance Company (Manulife). Some portions may be underwritten by First North American Insurance Company (FNAIC), a wholly owned subsidiary of Manulife. Manulife, Manulife & Stylized M Design, and Stylized M Design are trademarks of The Manufacturers Life Insurance Company and are used by it, and by its affiliates under license. © 2026 The Manufacturers Life Insurance Company. All rights reserved. Manulife, P.O. Box 670, Stn Waterloo, Waterloo, ON N2J 4B8. The Bank of Nova Scotia is not an insurer. All claims for insurance indemnities must be forwarded to the insurers

Scotia Credit Card Protection is underwritten by Chubb Life Insurance Company of Canada: Tel: 1-800-387-7199, Option 3, or www.chubb.com under a Group Policy issued to the Bank of Nova Scotia.  All coverage is subject to the terms and conditions outlined in the Certificate of Insurance which you will receive upon enrolment.

Registered trademarks of The Bank of Nova Scotia.

Trademark of The Bank of Nova Scotia.

Visa Int. / Licensed User 

Scene+ and the Icon Design are trademarks of Scene Plus IP Corporation, used under license.

Avis Car Rental Inc

Access Rewards

All other trademarks are the property of their respective owners.