⭐ 3.5/5🏦 ScotiabankTravel Rewards Card

Scotiabank Passport Visa Infinite+ Card

Credit Card Review

🎁 Up to 25,000 bonus Scene+ points for new cardholders

MoneyMint Rating: 3.5/5 — based on our published rating criteria (rewards value, fees, flexibility, and eligibility transparency). Not sponsored by Scotiabank.

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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.

At a Glance

Annual fee

$150/yr$0 for first supplementary card; $50/yr each additional

Purchase APR

20.99%confirmed on both the product page and rates page

Cash advance APR

22.99%same rate applies to balance transfers

Rewards rate

1–3 Scene+ pts/$1accelerated rates capped at $50,000/yr in spend

Foreign transaction fee

Noneonly the Visa exchange rate applies — confirmed on Scotiabank’s Fees page

Rewards currency

Scene+ pointsScotiabank’s loyalty program

Income requirement

$60K–$80K+ personalor $100K–$150K+ household, or $250K–$300K+ in assets

Suggested credit profile

Very good to excellenteditorial estimate — no official minimum score published

Issuer

ScotiabankVisa Infinite network

Pros & Cons

Pros

No foreign currency conversion fee — a real saving versus the standard 2.5% most cards charge on foreign spend
3 Scene+ points per $1 at Sobeys, Safeway, IGA, Foodland, and other named grocery banners
2 points per $1 on groceries elsewhere, dining, entertainment, and daily transit
6 complimentary airport lounge visits per year via the Visa Airport Companion Program
Broad travel insurance suite, including up to $2,000,000 in emergency medical coverage
No annual fee on the first supplementary card

Cons

$150 annual fee unless you qualify for a rebate through an eligible Scotiabank banking package
Higher income bar than many rewards cards — and the official wording is a range, not a single confirmed threshold
Accelerated 2X/3X earn rates apply only to the first $50,000 in annual spend
No published minimum credit score, so eligibility isn’t fully transparent
Lounge access is capped at 6 complimentary visits per year

Rewards & Earn Rates

Sobeys, Safeway, IGA, Foodland, participating Co-ops & other named grocery banners

accelerated rate applies to the first $50,000 in combined annual spend

Groceries (other banners), dining, entertainment & daily transit

same $50,000/yr spend cap applies

All other eligible purchases

Welcome bonus: 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, 2026 and November 1, 2026. A separate annual milestone bonus of 10,000 Scene+ points is available for spending $40,000 or more in a card year, with additional bonus points reported for spend beyond that (the exact incremental structure comes only from Scotiabank’s welcome-kit document, not the main product page — confirm before relying on it). This is a time-limited offer that expires November 1, 2026 under current terms; reconfirm the live offer before applying.

Advertised value conflict: Scotiabank’s product page and compare-cards page both consistently describe this welcome offer as “up to $1,250 in value, including up to 35,000 bonus Scene+ points” in their on-page body text. A page title/meta description was also found separately advertising “$1,300+ in value” for what appears to be the same offer. We are using the $1,250 figure here since it is the one confirmed consistently in on-page body copy across two official pages, but this discrepancy has not been independently resolved and should be rechecked on the live page before publishing exact offer-value language.

Perks & Benefits

Travel & Lifestyle

6 complimentary airport lounge visits per year at 1,200+ participating lounges (Visa Airport Companion Program)
Visa Infinite Luxury Hotel Collection — room upgrades and perks at 900+ properties
Visa Infinite Dining Series access
Complimentary Avis Preferred Plus membership, roughly 5%–25% off select retail rental rates
GigSky: complimentary 10GB of global mobile data for 15 consecutive days, once per year
Wine country benefits at 60+ wineries in BC and Ontario
24/7 Visa Infinite Concierge service

Coverage & Protection

Emergency medical insurance up to $2,000,000 — 25 days per trip (age 64 and under), 3 days (age 65+)
Trip cancellation up to $1,500 per person, $10,000 maximum per trip
Trip interruption up to $2,500 per person, $10,000 maximum per trip
Flight delay coverage up to $500 per insured person; baggage delay/loss up to $1,000
Rental car collision/loss damage waiver, up to 48 days, for vehicles valued up to $65,000
Purchase security (90 days) and extended warranty (doubles manufacturer’s warranty, up to 1 extra year)

Worth knowing

Insurance figures come from Scotiabank’s welcome-kit summary document, not the full certificate of insurance — confirm the exact underwriter, exclusions, and sub-limits before relying on them

Who It’s For

Best for

Frequent international spenders and travelers who want to avoid foreign transaction fees
Grocery and dining spenders who can make use of the 2X–3X bonus categories
Travelers who’ll use 6 or fewer lounge visits per year and value the travel insurance suite

Not ideal for

Applicants who don’t meet the income/asset eligibility bar
Frequent flyers who need more than 6 lounge visits per year
Anyone who spends mostly outside groceries/dining/entertainment/transit, since the base rate is just 1 point/$1

Key Drawbacks to Know Before Applying

This card’s $150 annual fee only comes down if you hold specific Scotiabank banking packages — a full rebate with the Ultimate Package or a $40 rebate with the Preferred Package, per Scotiabank’s welcome-kit summary; confirm current package names and rebate amounts before applying, since bank-account lineups change independently of the credit card offer. The income eligibility bar is also higher and less precise than many rewards cards: Scotiabank’s own page uses ranged wording ($60,000–$80,000+ personal, $100,000–$150,000+ household, or $250,000–$300,000+ in assets under management) rather than a single confirmed threshold, and no minimum credit score is published at all. On rewards, the accelerated 2X/3X earn rates apply only to the first $50,000 in annual spend, after which every purchase reverts to 1 point per $1. Airport lounge access is capped at 6 complimentary visits per year. Finally, the welcome offer used on this page (25,000 points for $2,000 in spend within 3 months) is tied to a promotional window that expires November 1, 2026 and has historically changed on a rolling basis — reconfirm the live offer before applying. Note also a minor unresolved conflict in Scotiabank’s own marketing between an advertised “$1,300+” figure and the consistently-stated “up to $1,250” offer value (see the Rewards & Earn Rates section above).

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.