Scotiabank Passport Visa Infinite Card Review

The perks

• Signup bonus. Earn up to 40,000 bonus Scene+ points (that’s up to $1,300 in value in the first 12 months). Apply by July 1, 2025. Earn 30,000 bonus Scene+ points by making at least $2,000 in purchases in your first 3 months. Plus, earn an annual 10,000 Scene+ points when you spend at least $40,000 in purchases annually.
• Rewards points. Earn 3x Scene+ points for every $1 you spend at select grocery stores like Sobeys, Safeway, FreshCo and Foodland; 2x Scene+ points per $1 spent at other eligible grocery stores and dining, entertainment and transit purchases and 1 Scene+ point per $1 spent on all other eligible purchases.
• No foreign currency conversion fee. Avoid paying extra on top of the exchange rate when you make in-store or online purchases outside of Canada.
• Complimentary airport lounge access. Enjoy six complimentary lounge visits and access to 1,200 airport lounges with the Visa Airport Companion Program.
• Purchase insurance & extended warranty coverage. Get extended warranty and insurance coverage to cover theft, loss or damage on most new items purchased with your card (for 90 days from purchase date).
• Travel insurance. Get up to $2,000,000 in Emergency Medical Insurance. Plus, get trip cancellation, trip interruption and travel accident insurance for free when you charge at least 75% of your trip costs to your card. Benefits also include coverage for flight delays, rental car collision loss/damage, hotel/motel burglaries and delayed or lost baggage.
• Save on car rentals. Get up to 25% car rental discount + complimentary upgrades for Avis Preferred Plus members at participating Avis locations in Canada and the US. Plus get Rental Car Collision/Loss Damage Insurance coverage (up to $65,000).
  
• World class service. Contact customer service 24/7 to report issues with your account and troubleshoot problems by speaking directly to an agent.

What to watch out for

• High annual fee. You have to pay an annual fee of $150 for the card. Your first supplementary card is free, but each additional card costs $50 annually.
• High minimum income. You must have a minimum annual income of $60,000 or a minimum household income of $100,000 to qualify for this card.
• High minimum credit limit. The minimum credit limit is $5,000 which is higher than many other credit cards.

Scotiabank Passport Visa Infinite Card interest rates

What do other customers say?

It seems that the most popular perks of the Scotiabank Passport Visa Infinite Card are its waived foreign exchange fees and six free annual airport lounge passes. However, the card draws some criticism as a daily use card, with some reviewers highlighting its less-than-impressive rewards rate.

Many Scotiabank Passport Visa Infinite Card reviews focus on people’s experiences using it when travelling. But reviews are split, with some customers saying they’ve had no issues using the card abroad and others complaining that their cards haven’t work internationally or have triggered false security flags.

What should I know before I apply

Application criteria:

• Canadian citizen or permanent resident
• Age of majority in the province/territory of residence
• Have an annual gross income of at least $60,000 (or a household income of $100,000)

Required documents and information

• Your name, residential status and contact information
• Your Social Insurance Number (SIN) and date of birth
• Your email address and phone number

How to apply

1. Visit Scotiabank's website and select Apply now to begin a Scotiabank Passport Visa Infinite Card application.
2. If you’re already a Scotiabank customer, sign in to online banking to apply. If you’re a new customer, complete an application with details like your name, email address, social insurance number and birth date.
3. Review and submit your application.

Bottom line

The Scotiabank Passport Visa Infinite Card provides a wide suite of travel and purchase insurance, along with some high-end extras like complimentary airport lounge access, no foreign currency fees, 24/7 concierge services, Avis car rental discounts and more.

If you travel frequently and don’t mind the annual fee, then this card might be right up your alley. Check out other credit cards if you want to keep your annual fee low or you prefer a different type of rewards system like cash back.