You might not think too much about the Visa logo on your card, but take a closer look. Do you see the word “Infinite” or “Infinite Privilege” beneath it? If so, you’ll get special features you don’t find with a Visa Classic. While Visa Infinite credit cards come with a host of perks and benefits that Visa Classics don’t have, Visa Infinite Privilege cards are a step above and offer even more exclusive rewards and perks.
Scotiabank Passport Visa Infinite Card
Scotiabank Passport Visa Infinite Card
19.99 %APR
Purchase interest rate
Eligibility criteria, terms and conditions, fees and charges apply
Scotiabank Passport Visa Infinite Card
Apply today and earn 40,000 bonus points when you meet the spend requirements.
Here’s a breakdown of what you’ll find with a Visa Classic versus a Visa Infinite or Infinite Privilege.
Visa Classic
Visa Infinite and Infinite Privilege
Cardholder inquiry service
Emergency cash disbursement and card replacement
Lost or stolen card reporting
Zero liability policy
Roadside assistance
Extended warranty
Rewards programs
Insurance coverages
Travel and emergency assistance services
Visa Infinite Luxury Hotel Collection
Visa Infinite Concierge
Visa Infinite Dining Series
Visa Infinite Wine Country Program
Visa Infinite Privilege travel benefits
= Comes standard
= Does not come standard
*Some nonstandard benefits may be offered by the card provider.
Visa Classic and Visa Infinite standard features
Even your typical Visa Classic comes with valuable basic features.
Roadside assistance
If you have problems with your vehicle while you’re on the road, you can call Roadside Dispatch 24/7. Services include:
Towing
Tire change
Jump start
Lockout service
Fuel delivery
Winching (which extracts your vehicle if it’s stuck)
You’ll pay a flat fee of $69.95 per service call — and there are no usage limits.
Other features
Cardholder inquiry service. Call Visa anytime to ask about card benefits, as well as product and service information.
Emergency cash disbursement and card replacement. If your card is lost, stolen or damaged, Visa will send you an emergency card replacement within three business days. Visa can also make cash available to you at a nearby location.
Lost or stolen card reporting. Call Visa Global Customer Care Services to get a replacement card.
Zero Liability. You’ll never be asked to pay for unauthorized purchases on your card.
Extended warranty. Through this service, you can register your warranties and get extended warranties.
Visa Infinite and Infinite Privilege features
Visa Infinite and Infinite Privilege cards outshine Visa Classics with more enticing rewards and travel benefits.
Rewards
The most coveted credit cards offer miles, cash back or points for purchases. Visa Infinite and Infinite Privilege cards tend to offer strong sweeteners for spending, such as more points earned per dollar spent.
Visa Concierge
Visa Concierge can help you with travel plans and dining reservations. It can also help with special events — booking shows, arranging meeting spaces and more — and shopping, including gift recommendations and delivery. Visa Concierge is accessible 24/7.
Visa Infinite Luxury Hotel Collection
The Visa Infinite Luxury Hotel Collection comprises of the world’s top hotels, like Park Hyatt and Shangri-La. As a Visa Infinite cardholder, you can book stays at these resorts. Booking through the Visa Infinite Luxury Hotel Collection brings such benefits as:
Complimentary room upgrades
Complimentary in-room Wi-Fi
Complimentary continental breakfast
3 p.m. checkout on request
Food or beverage credit
Travel and emergency assistance services
If you’re in an emergency during vacation, you can call Visa for help. Benefits are available for you, your spouse and your children up to a specified age. It’s free to contact Visa’s travel and emergency hotline, but you may need to pay for services you receive. You’ll find services like Emergency Transportation Assistance and Legal Referral Assistance that help in medical and legal emergencies. You can also receive assistance for travel emergencies like lost tickets and lost luggage return.
Insurance coverage
These cards usually come with a host of travel insurance which may include:
Collision / Loss Damage Insurance (CLDI)
Out-of-Province/Country Emergency Travel Medical Insurance
Trip Cancellation Insurance
Trip Interruption Insurance
Flight Delay Insurance
Baggage Delay Insurance
Lost/Stolen Baggage Insurance
Common Carrier Travel Accident Insurance
Car Rental Collision/Loss Damage Insurance
Extended Warranty
Purchase Security Insurance
Other features
Visa Infinite Dining Series. Receive offers for dining experiences with top chefs at some of the best dining rooms in the country.
Visa Infinite Wine Country Program. Get special access to culinary experiences and wine tastings. Enjoy discounts, private tours and complimentary tastings.
Visa Infinite Privilege travel benefits. This feature isn’t standard for all Visa Infinite Privilege products, but it may be offered by your card provider. Receive discounts on travel expenses like hotels, car rentals and cruises, plus become a member of the Hotel Loyalty Program. Some cards offer access into Airport lounges, exclusive airport benefits and access to services like discounted airport parking, valet services and access to the security fast-track lane.
No, you can only book through the program with a valid Visa Infinite or Visa Infinite Privilege card.
You can apply online via one of the banks that offer the cards. Some major banks in Canada provide Visa Infinite and Infinite Privilege cards including:
CIBC
RBC
TD
Scotiabank
Laurentian Bank
You’ll need to meet the eligibility requirements for the card before you apply. This typically includes:
Being at least 18 years of age, or the age of majority in your province or territory.
Being a Canadian citizen or a permanent resident.
Meeting any credit score requirements (Usually a score of 650 or higher, with some requiring a score of 720 or above).
Meeting any minimum income requirements (Usually a minimum income of $60,000/$80,000 or higher, or a combined household income of $100,000 or higher, however some Infinite Privilege cards may require an income of $200,000 or higher).
The Visa Signature is offered in the USA. Canada’s version of the card is the Visa Infinite and the Visa Infinite Privilege.
Emma Balmforth is a producer at Finder. She is passionate about helping people make financial decisions that will benefit them now and in the future. She has written for a variety of publications including World Nomads, Trek Effect and Uncharted. Emma has a degree in Business and Psychology from the University of Waterloo. She enjoys backpacking, reading and taking long hikes and road trips with her adventurous dog.
Tangerine’s Visa Debit Card comes with unlimited free transactions. It allows users to safely shop online and make purchases while abroad like a credit card wherever Visa is accepted.
Do you regularly spend money in the US? Find out how you can avoid currency conversion and pay no annual fee with this cross-border card.
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