Illustration, not the actual card design.
Scotiabank · Earns Scene+ points
Scotiabank Passport Visa Infinite Privilege
Annual fee
$599
Welcome offer
Up to 80,000 points
Market
Canada · CAD
Biggest part of the offer: Spend $3,000 in your first 3 months.
What it's worth before you spend
Welcome bonus, plus perks you get no matter what, minus the fee. Everyday earning comes on top.
Year 1
$251
+$600 welcome bonus
+$250 yearly credits
−$599 fee
Year 2
−$149
Costs $149 a year until your spending covers it.
Every year after
−$349
Costs $349 a year until your spending covers it.
Plus 18 benefits with no fixed dollar value, like Airport Lounge Passes, GigSky International Data eSIM and No Foreign Transaction Fees. Their worth depends on how you use the card, so they're not counted above. See them all
Estimated as of Sep 28, 2026. Assumes you're approved, qualify for the offer and meet its spending requirement. Points valued at up to 1¢ each, which is our assumption. Before everyday spending.
Welcome offer
Ends Nov 1, 2026. Not available if you have, or in the past 2 years had, any Scotiabank personal credit card as primary or additional cardholder, including if you switch from one. Scotiabank employees are not eligible.
- 1Spend $3,000 in your first 3 months30,000 pts≈ $300 est.Year 1
- 2Spend $20,000 in your first 6 months30,000 pts≈ $300 est.Year 1
- 3Make a purchase in your 14th month20,000 pts≈ $200 est.Year 2
Not guaranteed. Welcome offers and bonuses are at the card issuer's discretion, and can change or end at any time.
What it earns
Valued at 1¢ per Scene+ point.
| Where you spend | Earns | Back per $1 (est.) |
|---|---|---|
| Travel | 3 pts per $ | 3¢ |
| Dining & Restaurants | 2 pts per $ | 2¢ |
| Entertainment | 2 pts per $ | 2¢ |
| Everything else | 1 pt per $ | 1¢ |
What else you get
Statement credits
- Annual Travel Credit$250/yr
$250 off one Scene+ Travel (Powered by Expedia) booking each account year: flights, hotels, car rentals, packages or things to do
Perks · 5
- Airport Lounge Passes
10 free visits a year at 1,200+ lounges through Visa Airport Companion (DragonPass)
Worth about US$32 per person, per visit · Visa's price, Price once any free visits are used; subject to change, checked Oct 2026
Enroll first - GigSky International Data eSIM
Two free 1GB GigSky eSIM plans a year, each valid 15 days, plus 30% off more plans
Enroll first - No Foreign Transaction Fees
No 2.5% foreign transaction fee on purchases abroad or online; only the exchange rate applies
- Visa Infinite Concierge
24/7 concierge for travel, dining and events, in English and French
Show all 5Show fewer
- Visa Infinite Luxury Hotel Collection
Room upgrades, breakfast and late checkout at 900+ hotels booked through the collection
Insurance · 12
- Emergency Medical Insurance
Out-of-province emergency medical, up to $5,000,000, first 31 days of a trip under 65, 10 days if 65 or over
- Trip Cancellation Insurance
Up to $2,500 per person and $10,000 per trip if you cancel before departure
- Trip Interruption Insurance
Up to $5,000 per person and $25,000 per trip if a trip is cut short
- Flight Delay Insurance
Meals and hotel when a flight is delayed 4+ hours, up to $1,000 per person
Show all 12Show fewer
- Baggage Delay Insurance
Essentials when checked bags are delayed, up to $1,000
- Lost Baggage Insurance
Lost, stolen or damaged checked bags, up to $2,500 per person and $5,000 per occurrence
- Rental Car Collision Damage Insurance
Damage or theft of a rental car, rentals up to 48 days, vehicles up to $85,000
- Hotel Burglary Insurance
Belongings stolen from your hotel room, up to $2,500
- Travel Accident Insurance
Accidental death or dismemberment on a plane, train, bus or ferry, up to $500,000 per person
- Mobile Device Insurance
New phone or tablet lost, stolen, broken or damaged, up to $1,000
- Purchase Protection
Most new purchases protected against theft, loss or damage for 180 days
- Extended Warranty
Doubles the manufacturer's warranty, up to 2 extra years
Status
- Avis President's Club
Avis President's Club: two car-class upgrades and skip the counter at most locations
Enroll first
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Fine print
Card details are checked against public sources. Issuers change fees, offers and earn rates without notice, and the issuer's terms are the only ones that count, so check them before you apply. Approval, welcome offers and bonus points are at the issuer's discretion and aren't guaranteed. The values above are estimates based on our own point valuations and on assumptions about approval and spending, not a forecast of what you'll receive. This is general information, not financial advice, and it doesn't say whether this card suits you. We're not affiliated with or endorsed by Scotiabank. Card and program names belong to their owners.
Details last checked Sep 28, 2026.