Reviewed by Jen, founder of MoneyMint · Updated September 30, 2026
Scotiabank Passport® Visa Infinite +* Card
Our take: strongest for groceries — about 3% back in value (est.) for $150 a year, plus a welcome bonus* we value at roughly $350.
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The Scotiabank Passport Visa Infinite+ Card is a mid-tier travel rewards card built around Scene+ points, airport lounge access, and its standout feature: no foreign currency conversion fee on purchases made abroad. It earns 3 points per $1 at select grocery banners, 2 points per $1 on groceries elsewhere, dining, entertainment, and daily transit, and 1 point per $1 on everything else, with a $150 annual fee that can be partly or fully rebated for holders of certain Scotiabank banking packages. It suits Canadians who travel internationally and want to avoid the typical 2.5% foreign transaction fee, though the income eligibility bar is higher and less precisely stated than on many rewards cards.
MoneyMint rating
#16 of 30 travel rewards cards · How we rate
≈ $596
estimated first-year value after the annual fee, on a typical $2,050/month budget. Points are converted to dollars using MoneyMint’s own valuations — see our points value calculator for how each program is valued. See it for your spending →
Not Sure? Three Cards People Compare It With
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Tangerine Rewards World Elite Mastercard
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RBC Avion Visa Platinum
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Further Reading
Scotiabank Passport Visa Infinite+ Card
Best for groceries · $150/year · ~$350 welcome bonus (est.)* · $125 Mint Rebate from MoneyMint
This is general information, not personalized financial advice — consider your own income, spending habits, and travel needs, and consult a professional for decisions specific to your situation. Rates, fees, and offers are set by Scotiabank and can change without notice; always confirm current terms, including the welcome offer’s expiry, directly on the issuer’s official page before applying.
Frequently Asked Questions
Does the Scotiabank Passport Visa Infinite+ Card have an annual fee?
Yes — $150/year for the primary cardholder. The first supplementary card is free, and additional supplementary cards are $50/year each. A partial or full fee rebate may be available for holders of certain Scotiabank banking packages — confirm current package names and rebate amounts directly with Scotiabank.
How do Scene+ points work on the Passport Visa Infinite+ Card?
You earn 3 points per $1 at Sobeys, Safeway, IGA, Foodland, participating Co-ops, and other named grocery banners; 2 points per $1 on other groceries, dining, entertainment, and daily transit; and 1 point per $1 on everything else. The accelerated 2x/3x rates apply only to the first $50,000 in combined annual spend.
What is the welcome bonus on the Scotiabank Passport Visa Infinite+ Card?
25,000 bonus Scene+ points* for spending $2,000 or more in eligible purchases within the first 3 months (for accounts opened between August 4 and November 1, 2026), plus an annual bonus of 10,000 Scene+ points for $40,000+ in card-year spend and 2,000 more for every additional $10,000 that year. Scotiabank promotes this as up to $1,250 in first-year value†, a figure that also counts its own estimates of everyday points, foreign transaction fee savings and lounge value. Always verify the current offer window on Scotiabank’s official page, since welcome offers rotate.
What credit score do you need for the Scotiabank Passport Visa Infinite+ Card?
MoneyMint’s research places the recommended credit score in the “Very Good” range as a general guideline, since Scotiabank doesn’t publish an exact minimum score.
Does the Scotiabank Passport Visa Infinite+ Card charge foreign transaction fees?
No — this card is on Scotiabank’s list of cards exempt from the standard 2.5% foreign currency conversion fee, so only the exchange rate applies to foreign purchases.
Offer Terms and Conditions
*Terms and conditions apply. See Card Provider’s website and Card Application for complete card details, terms and current offers. Reasonable efforts are made to maintain accuracy of information.
* 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 between August 4, 2026 to November 1, 2026 (regardless of the date you apply for the Account) 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 “25,000 Point Bonus”), you must have at least $2,000 in eligible purchases posted to your new Account within the first 3 months of the Account open date.
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 Scotiabank 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 Scotiabank Passport Visa Infinite + Card and your annual period for this benefit 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 benefit 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.
Point Bonus Fulfillment: The applicable point Bonus(es) will be credited within approximately 8 weeks after qualifying for a Bonus, provided the Account is open and in good standing. For Joint Accounts with a Primary Borrower and Co-borrower, the applicable point Bonus will be credited as follows: (i) the 25,000 Point Bonus, and the Annual Point Bonus will be credited to the Scene+ account linked to the Account of the borrower that completed the last transaction to meet the qualifying amount of eligible purchases (i.e., $2,000 or $40,000) in the appropriate time frame (i.e., first 3 months or first 12 months). If a supplementary cardholder completes the last qualifying transaction to meet the qualifying amount of eligible purchases for the 25,000 Point Bonus, or the Annual Point Bonus, the applicable point Bonus will be credited to the Primary Borrower’s Scene+ account linked to the Account. Points can be transferred between Primary and Co-Borrower or Supplementary Cardholder’s Scene+ accounts by contacting Scene+. 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. All other terms and conditions of the Program Terms continue to apply during the Offer period.
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.
† Savings and point earn potential in first 12 months includes welcome offer value, first year point earn potential, foreign transaction fee and airport lounge savings as of May 22, 2026:
$250 in travel points (25,000 bonus Scene+ points) for new Scotiabank Passport Visa Infinite + Card clients who spend $2,000 within the first 3 months;
$100 in travel points (10,000 bonus Scene+ points) when you spend $40,000 annually on your Account;
$50 supplementary card annual fee waiver on the first supplementary card for new Scotiabank Passport Visa Infinite + Card clients;
$132 in foreign transaction fee savings based on average annual foreign spend per active account over the last 24 months (don’t pay the 2.5% foreign transaction fee markup typically charged by other card issuers);
$364 in first year point earn potential (36,400 Scene+ points) on everyday purchases based on average annual spend per active account over the last 24 months with an average spend of 21% in 3X and 2X accelerator categories combined;
$358 value with a complimentary Visa Airport Companion Program Membership that includes 6 lounge passes (based on a ‘Preferential’ membership valued at approx. CAD$357/USD$259). Currency conversion as at May 22, 2026.
Potential First Year Value = up to $1,254 (rounded down to $1,250).
Actual offers, savings and points earned will depend on individual card usage and eligibility for applicable offers. Conditions apply.