Scotiabank Passport Visa Infinite Card Review 2024

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If you love travelling, the Scotiabank Passport Visa Infinite Card packs in plenty of benefits that you can enjoy, helping to make your travels more affordable and more enjoyable.

This Scotiabank Passport Visa Infinite Card review looks at everything you need to know. This includes the pros and cons of the Scotiabank Passport Visa Infinite Card, its key benefits, and how it compares with other credit cards.

Scotiabank Passport Visa Infinite Card Summary

Scotiabank Passport Visa Infinite Card

Rewards: Earn up to 3x Scene+ points on groceries, dining, and entertainment.

Welcome offer: Earn up to 35,000 bonus Scene+ points in the first year (up to $400 towards travel).

Interest rates: 20.99% for purchases, 22.99% for cash advances

Annual fee: $150

Recommended credit score:
760
900

Very Good to Excellent

scotiabank passport visa infinite cardart

On Scotiabank’s website

  • Earn 3 Scene+ points for every $1 spent on groceries at participating retailers like Safeway, Sobeys, Foodland, and FreshCo (up to $50,000 annually).
  • Earn 2 Scene+ points for every $1 spent on dining, other eligible grocery stores, and daily transit (up to $50,000 annually).
  • Earn 1 Scene+ point for every $1 spent on all other purchases.
  • Redeem Scene+ points for virtually anything, including travel, merchandise, dining, groceries, statement credits, and more.
  • No foreign transaction fees are charged on purchases outside of Canada.
  • 6 complimentary airport lounge passes per year.
  • Book and redeem travel through Scene+ Travel.
  • Get a complimentary Avis Preferred Plus membership, which includes complimentary upgrades and discounts of up to 25% off.
  • Visa Infinite benefits, like a 24/7 concierge service and guaranteed best hotel rates, are included.
  • Insurance includes: travel emergency medical, trip cancellation/interruption, flight delay, delayed or lost baggage, travel accident, hotel/motel burglary, and rental car collision/loss damage insurance.
  • Purchase security and extended warranty protection are included.
  • A minimum income requirement of $60,000 personal or $100,000 household is required to be eligible.

No foreign transaction fees

6 free airport lounge visits per year

Flexible redemption options for Scene+ points

$50,000 spend cap on the 3x and 2x categories

High income requirement of $60,000 or $100,000

High annual fee

The Scotiabank Passport Visa Infinite Card is your travel companion wrapped up into a credit card. For a $150 annual fee, you don’t pay FX fees, get 6 complimentary airport lounge visits per year, an Avis Preferred Plus membership, various travel insurance benefits, and more on top of earning and redeeming Scene+ points.

Benefits of the Scotiabank Passport Visa Infinite Card

There are several Scotiabank Passport Visa Infinite benefits that make it a tempting proposition.

The main benefit is the reward programme, where you can earn Scene+ points when you shop using the card.

You will earn 3 Scene+ points for every $1 you spend on eligible dining, entertainment and grocery purchases, including at stores like Sobeys and Safeway.

You can also earn 2 points for eligible dining, entertainment purchases and transit options and 1 point for every $1 you spend on other eligible purchases.

In addition, the Scotiabank Passport Visa Infinite Card comes without any foreign transaction fees.

So if you buy something online or travel overseas and spend on your card in a currency other than Canadian dollars, you won’t have to pay a fee.

It also comes with several travel benefits, including comprehensive travel insurance coverage. This includes emergency medical insurance, trip cancellation insurance, flight delay insurance and more.

You can use the Visa Infinite Hotel Collection for automatic room upgrades and free WiFi. In addition, the Scotiabank Passport Visa provides lounge access worldwide with the Visa Airport Companion Program.

You may also save on car rentals thanks to a complimentary Avis® Preferred Plus membership and enjoy the Visa Infinite Concierge Service.

Downsides of the Scotiabank Passport Visa Infinite Card

The Scotiabank Passport Visa Infinite Card packs many benefits, especially for travellers. However, these perks do not come for free.

The annual fee is $150 per year. While this is cheaper than some premium credit cards, it is still a fairly large fee.

The APR of 20.99% on purchases and 22.99% for cash advances is fairly standard. However, you can find cards with better rates if you carry a balance and want a lower interest rate.

How to Apply for the Scotiabank Passport Visa Infinite Card

Applying for the Scotiabank Passport Visa Infinite Card is simple. You can apply online via the website, by phone or even in person at your nearest branch.

However, there is a minimum annual income requirement of $60,000, or you must have a minimum household income of $100,000. Alternatively, you will need a minimum of $250,000 in assets under management.

How to Redeem Scene+ Points

You can redeem Scene+ points via the website at sceneplus.ca or the app. At the website, sign up, go to your rewards and click on Redeem Now. From here, you can choose how you want to use your points.

In the app, tap on your Scene+ account on the home screen, then Redeem Now. You can then choose how to use them.

Scotiabank Passport Visa Infinite Card Alternatives

While the Scotiabank Passport Visa Infinite Card Review is a popular card, there are several alternatives that you might want to consider.

Here we look at five top alternative credit cards so you can decide which is the most suitable for you.

Scotiabank Gold American Express Card

The Scotiabank Gold American Express Card is another card where you can earn Scene+ points. However, you can earn more points with the ability to earn 6x points on eligible dining, grocery and entertainment purchases.

You can also earn 5x points for eligible dining and entertainment, 3x points for gas, transit, and streaming, and 1 point for all other eligible purchases.

It has an annual fee of $120 per year, and supplementary cards are charged $29 per year. The APR is 20.99% for purchases and 22.99% for cash advances.

It also has many additional benefits, including no FX fees, Amex Offers, American Express Invites, airport lounge access, and complimentary concierge services.

You may also get travel insurance coverage if you book your trip using the card.

American Express Cobalt Card

The Amex Cobalt Card costs $12.99 per month or $155.88 per year, but additional cards are free. It has an APR of 20.99% for purchases and 21.99% for cash advances.

You can earn Amex points with this card. The highest rate is 5x points for eligible restaurants and delivery purchases.

You can also earn 3x points for streaming subscriptions and 2x points for travel purchases, while standard purchases earn 1x points.

You can then use these points to get discounts on almost any purchase, with 1,000 points equaling $10.

You may get travel insurance coverage if you purchase a trip using your card, and you also get a membership of The Hotel Collection, which has over 600 hotels worldwide.

American Express Gold Rewards Card

The American Express Gold Rewards Card has an annual fee of $250. You can order one free additional card, and extra cards cost $50. The APR is 20.99% for purchases and 21.99% for cash advances.

You can earn American Express points using this card. Earn 2x points on travel expenses like flights, car rentals, hotels and everyday purchases like groceries and gas, and 1x on everything else.

You can also get access to airport lounges, and you may get travel insurance coverage if you book travel using your card.

TD First Class Travel Visa Infinite Card

The TD First Class Travel Visa Infinite Card has an annual fee of $139. It costs $50 for the first additional cardholder but $0 for any extra cards.

The APR is 20.99% for purchases and 22.99% for cash advances. It has a minimum income requirement of $60,000 or a minimum household annual income requirement of $100,000.

You can earn TD Reward Points with this card on your everyday purchases. You can also get a TD Rewards Birthday bonus, and travel insurance coverage is included.

The American Express Platinum Card

The American Express Platinum Card has a high annual fee of $699, and you must pay $175 for every additional card.

It does not have an APR, but it charges a 30% interest rate on balances not paid in full or 20.99% for purchases on the Flexible Payment Option.

You can earn Amex points for everything when using this card. For example, earn 3x points for dining and food delivery and 2x points for travel purchases.

It includes several premium perks for travellers, including airport lounge access and a personalized concierge service. You may also get travel insurance coverage if you book your trip using the card.

Scotiabank Passport Visa Infinite Card: Conclusion

The Scotiabank Passport Visa Infinite Card is useful for travellers, and you can also use it to earn Scene+ points.

If you travel frequently, it could be a great choice. Even if you don’t, you can use it to earn points on your everyday purchases.

Scotiabank Passport Visa Infinite CardAmerican Express Cobalt CardScotiabank Gold American Express CardAmerican Express Gold Rewards CardTD First Class Travel Visa Infinite CardThe American Express Platinum Card
Annual Fee$150$155.88$120$250$139$699
APR Purchases20.99%20.99%20.99%20.99%20.99%N/A
APR Cash Advances22.99%21.99%22.99%21.99%22.99%N/A
Rewards3 Scene+ points for every $1 spent on dining, entertainment & grocery, 2 pts. for other dining & entertainment, & transit, 1 point for other purchases.5x Amex points for eligible restaurants & delivery purchases, 3x pts. for streaming subscriptions, 2x pts for travel purchases, 1x pts all else.6x Scene+ points on eligible dining, grocery and entertainment purchases, 5x pts. for dining & entertainment, 3x pts. for gas, transit, and streaming, 1 point for other purchases.2x Amex points on travel expenses, grocery & gas, 1x pts. on everything else.Earn TD Reward Points for everyday purchases.3x Amex points for dining and food delivery, 2x pts. on travel purchases, 1x pts. on everything else.

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SnappyRates Team

The SnappyRates Team comprises personal finance writers who have reviewed and personally tested hundreds of financial products in the Canadian space. With over 20 years of combined experience to draw from and expertise in all things credit cards, banking, insurance, and mortgages, our goal is to provide you with the most comprehensive guides and resources to help you on your financial journey.

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