Scotiabank Passport® Visa Infinite* Card: Full Review, Application Steps, and Key Benefits

The Scotiabank Passport® Visa Infinite* Card is positioned for Canadians seeking flexibility, robust travel perks, and strong everyday value in a single credit card. Not tied to a specific airline or hotel, the card leverages the widespread Visa network to maximize acceptance both in Canada and internationally.

Cardholders can enjoy earning Scotia Rewards on everyday purchases, redeemable for a variety of travel and non-travel options, catering to a diverse set of lifestyles.

A key appeal of this card lies in its comprehensive suite of travel benefits, including best-in-class insurance coverages, no foreign transaction fees, and exclusive airport lounge access. These features provide peace of mind and savings for both leisure and business travelers.

Its versatility extends beyond travel, rewarding daily spending and offering a protective safety net. Discover how you can apply and determine if this card supports your financial and travel aspirations.

Benefits

Enjoy an expansive set of features tailored for modern travelers and busy professionals. You’ll find value in the card’s flexible rewards and travel-focused perks designed to increase convenience, security, and comfort on trips abroad or within Canada.

• No foreign transaction fees: Make purchases outside Canada or online with global retailers without added markups.
• Airport lounge access: Complimentary Priority Pass membership with six free visits annually for you and guests.
• Comprehensive travel insurance: Emergency medical, trip cancellation/interruption, flight delay, lost/delayed baggage, and rental car collision coverage included.
• Flexible rewards redemption: Scotia Rewards points can be used for flights, hotels, car rentals, gift cards, statement credits, and more.
• Purchase protection and extended warranty: Extra peace of mind for new purchases.
• Contactless and digital wallet support: Easy and secure ways to pay, including Apple Pay and Google Pay.
• Exclusive Visa Infinite benefits: Access to Visa Infinite luxury hotel collection and dining experiences.

Prerequisites

To be eligible for the Scotiabank Passport® Visa Infinite* Card, you must meet the following requirements:

• Canadian residency and age of majority in your province/territory,
• Minimum annual personal income of $60,000, or household income of $100,000,
• Good to excellent credit score (generally considered 700+),
• Ability to provide required application details such as address, employment, and financial information.

About Scotiabank

Scotiabank is officially known as The Bank of Nova Scotia, founded in 1832. With nearly two centuries of history, it ranks as one of the largest banks in Canada and has a significant international presence across the Americas and 30+ countries.

The bank is renowned for its full-service offerings: chequing and savings accounts, mortgages, investment solutions, insurance, as well as digital banking technology. Scotiabank is committed to sustainability, community support, and customer-centric innovation.

The bank is listed on both the Toronto and New York Stock Exchanges under the symbol BNS, and serves over 25 million customers, emphasizing security and reliability in the financial sector.

Who is This Card For?

This card is best suited for:

• Frequent travelers, both leisure and business, who want flexibility in earning and redeeming points,
• Canadians who shop abroad or online in foreign currencies and want to avoid foreign transaction fees,
• Cardholders who value comprehensive travel protection and airport comfort (including lounge access),
• Individuals with a steady mid-to-high income and strong credit who want premium benefits without being restricted to a single airline or hotel program.

It’s also a strong match for those looking for everyday rewards and protection—even if travel isn’t their sole focus.

What Rewards and Programs Does the Card Offer?

The card offers Scotia Rewards points on eligible purchases:

• 2 points per $1 spent on grocery, dining, entertainment, and daily transit (including buses, trains, taxis, and rideshares),
• 1 point per $1 spent on all other purchases.

Points can be redeemed for travel booked through Scotiabank’s travel portal, or for statement credits against travel purchased elsewhere for maximum flexibility. Additional redemptions include merchandise, gift cards, and even investment contributions. Special travel privileges, like hotel benefits and dining experiences via Visa Infinite, enrich the package further.

Initial Credit Limit

Applicants are offered credit limits based on their creditworthiness:

• Minimum credit limit: $5,000
• Maximum credit limit: Varies, but can be significantly higher for eligible clients, often $20,000 or more.

The actual limit is determined upon approval, influenced by income, credit history, and existing obligations.

Step by Step to Apply for the Card

Following these steps facilitates your application:

• Visit the official Scotiabank Passport® Visa Infinite* Card page.
• Click the “Apply Now” button and choose whether to apply as a new or existing Scotiabank customer.
• Provide required personal, financial, and employment information.
• Consent to a credit check and review the terms and conditions.
• Submit your application. Scotiabank may contact you for additional information or documentation if needed.
• Once approved, follow instructions on receiving and activating your card.

VISIT THE CARD SITE

Card’s Pros and Cons

Pros:

• No foreign transaction fees, providing direct savings for cross-border and online shoppers.
• Six free Priority Pass airport lounge visits each year (for cardholder and guests), a rare feature in Canadian cards.
• Comprehensive suite of travel insurance offerings for extensive protection.
• Flexible rewards program with many redemption options, including travel, merchandise, and statement credits.
• Competitive earn rates on everyday spending categories.

Cons:

• Annual fee of $150 – higher than standard cards, though offset for frequent travelers.
• Supplementary cardholder fee of $50 per additional user.
• Requires a higher annual income and strong credit for eligibility.
• Base earn rate (1 point per $1) may be less appealing on non-bonus categories compared to some cards.
• Redemption values can vary depending on the chosen reward.

How to Unlock the Card?

Upon receiving your card by mail:

• Call the activation number on the sticker attached to your new card, or
• Activate your card digitally via the Scotiabank online or mobile banking portal (instructions provided with your card package).
• Follow prompts to confirm your identity and set up your PIN if needed.
• Sign the back of your card and it is ready for purchases.

Fees and Tariffs

• Annual fee: $150
• Supplementary card fee: $50 per additional authorized user
• Purchase interest rate: 20.99%
• Cash advance interest rate: 22.99%
• Balance transfer interest rate: 22.99%
• Foreign transaction fee: $0
• Late payment, overlimit and NSF fees: Standard charges apply (see cardholder agreement)

Introductory offers (such as a welcome bonus of up to 35,000 Scotia Rewards points) are subject to change and may require minimum spending within a set time after account opening.

Customer Service

For support, assistance, or inquiries about your Scotiabank Passport® Visa Infinite* Card, use the following channels:

• • Official website: Scotiabank Passport® Visa Infinite* Card site
  • Phone support: 1-800-4-SCOTIA (1-800-472-6842)
  • Online banking: Scotiabank Online Banking

Disclaimer: Credit card terms and conditions, including fees, rates, and rewards, can change at any time. Please review the most current terms before applying. This article is provided for educational purposes only, and does not constitute financial advice. Always pay your credit card balance in full and use credit responsibly.

Find other cards in our website.

DOWLOAD FOR ANDROID

DOWNLOAD FOR IOS