Reviewed by Jen, founder of MoneyMint · Updated September 30, 2026
Scotiabank Passport® Visa Infinite Privilege* Card
Our take: strongest for travel — about 3% back in value (est.) for $599 a year, plus a welcome bonus* we value at roughly $800.
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- Our review
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The Scotiabank Passport® Visa Infinite Privilege* Card is Scotiabank’s top-tier travel credit card, sitting above the Passport Visa Infinite+ with a substantially higher $599 annual fee, stricter income requirements, and richer travel perks like 10 annual lounge visits and a $250 travel credit. It’s built for high-spending, frequent travelers who can use the premium benefits enough to offset the fee.
MoneyMint rating
#9 of 10 premium travel cards · How we rate
≈ $435
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 →
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BMO VIPorter Mastercard
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Scotiabank Passport Visa Infinite Privilege
Best for travel · $599/year · ~$800 welcome bonus (est.) · $175 Mint Rebate from MoneyMint
This is general information, not personalized financial advice — consider your own spending habits 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 on the issuer’s official page before applying.
Frequently Asked Questions
What is the annual fee for the Scotiabank Passport Visa Infinite Privilege?
The Scotiabank Passport Visa Infinite Privilege has an annual fee of $599/yr primary; $199/yr per supplementary card ($150 reduction with Ultimate Package chequing).
What is the rewards rate on the Scotiabank Passport Visa Infinite Privilege?
The Scotiabank Passport Visa Infinite Privilege offers: Up to 6 Scene+ points per $1 on hotels, car rentals and things to do booked through Scene+ Travel; 3 points per $1 on general travel; 2 points per $1 on dining/entertainment; 1 point per $1 on all other purchases
Does the Scotiabank Passport Visa Infinite Privilege have a welcome bonus?
Up to 80,000 Scene+ points* over 14 months: 30,000 for $3,000 spend in 3 months + 30,000 for $20,000 spend in 6 months + 20,000 for a purchase in month 14, for accounts opened May 1 to November 1, 2026. Tiered structure requires ~$23,000 spend over 6 months for most of the bonus; double-check exact terms and expiry before you apply.
What credit score do I need to qualify for the Scotiabank Passport Visa Infinite Privilege?
Generally, you’ll want an excellent credit score to be considered for the Scotiabank Passport Visa Infinite Privilege. Approval also depends on income and overall credit history, not credit score alone.
Does the Scotiabank Passport Visa Infinite Privilege charge foreign transaction fees?
None (waived)
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 80,000 Bonus Scene+ Points Offer (the “Offer”) applies only to new Scotiabank Passport® Visa Infinite Privilege* credit card accounts (“Account”) opened between May 1, 2026 and November 1, 2026 (regardless of the date you apply for the Account) and is subject to the conditions below. To qualify for 30,000 bonus Scene+ points (the “30,000 Point Bonus”), you must have at least $3,000 in eligible purchases posted to your new Account in the first 3 months of the Account open date. To qualify for an additional 30,000 bonus Scene+ points (the “Additional 30,000 Point Bonus”), you must have at least $20,000 in eligible purchases posted to your new Account in the first 6 months of the Account open date. To qualify for an additional 20,000 bonus Scene+ points (the “Additional 20,000 Point Bonus”), you must make at least one eligible purchase that is posted to your new Account during the 14th month after the month the Account was opened. 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 to the Scene+ account 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 30,000 Point Bonus and Additional 30,000 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., $3,000 or $20,000) in the appropriate time frame (i.e., first 3 months or first 6 months), and (ii) the Additional 20,000 Point Bonus will be credited to the Scene+ account linked to the Account of the borrower that completed the first transaction that qualifies as an eligible purchase during the 14th month after the month the Account was opened. If a supplementary cardholder completes the last qualifying transaction to meet the qualifying amount of eligible purchases for the 30,000 Point Bonus or the Additional 30,000 Point Bonus, or completes the first transaction that qualifies for the Additional 20,000 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 Scene+ Program Terms continue to apply during the Offer period. Offer may be changed, cancelled or extended at any time without notice and cannot be combined with any other offers.
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 $599 for the primary card and $199 for each additional card (including those issued to co-borrowers and supplementary cardholders). The current preferred annual interest rates for the 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.