Scotiabank Passport® Visa Infinite* Card review

Here's what you get for a welcome bonus with the Scotiabank Passport Visa Infinite:

Earn up to $1,500 in first year welcome offers, rewards and savings, including up to 60,000 bonus Scene+ points*.

• Earn up to $1,500 in first year welcome offers, rewards and savings, including up to 60,000 bonus Scene+ points*. Here's how:

  • $400 in travel rewards (40,000 bonus Scene+ points) for new Scotiabank Passport Visa Infinite Card clients who spend $2,000 within the first 3 months

  • $100 in travel rewards (10,000 bonus Scene+ points) for new Scotiabank Passport Visa Infinite Card clients who spend $10,000 within the first 6 months

  • $100 in travel rewards (10,000 bonus Scene+ points) when you spend $40,000 annually on your Account each year (12-months: annual points bonus).

  • $50 supplementary card annual fee waiver on the first supplementary card for new Scotiabank Passport Visa Infinite Card clients

  • $134 in foreign transaction fee savings based on average annual foreign spend per account over the last 24 months (save the 2.5% foreign transaction fee markup typically charged by other card issuers);

  • $369 in first year point earn potential (36,900 bonus Scene+ points) on everyday purchases based on average annual spend per account over the last 24 months with an average spend of 21% in 3X and 2X accelerator categories.

  • $364 value with a complimentary Visa Airport Companion Program Membership that includes 6 lounge passes (based on a ‘Preferential’ membership valued at approx. CAD$364/USD$259). Currency conversion as at November 3, 2025.

  To qualify for this offer, make sure to apply for and open a new Scotiabank Passport Visa Infinite credit card account (“Account”) between January 2, 2026 and July 1, 2026.

  *Savings and reward potential in first 12 months includes welcome offer value, first year point earn potential, foreign transaction fee and airport lounge savings as of November 4, 2025. Terms and Conditions Apply.

  Rates, fees and other information are effective as of Jan 2,2026. Subject to change.

Outside of the welcome bonus, the best way to earn Scene+ points is to spend in its dedicated categories. Three times the points for groceries (at participating partners like Sobeys and Foodland), two times for dining in and out, movies/shows, and rides, including public transit, which is nice. Outside of those categories, you earn one point on every dollar you spend.

Scene+ points are easily redeemable through the slick and user friendly Scene Plus website. They’re great for everything from gift cards to movie tickets and just about everything else, including paying off your credit card. And yes, they can be used for travel, either paying down eligible travel purchases made on the card, or used directly through Scotiabank’s travel partner Expedia, which is a bit more point-efficient, but does limit your options somewhat.

• First year free
• No FX fees 
• Lots of opportunities to earn on daily spending categories
• Great travel insurance coverage

• Travel emergency medical insurance: $2 million of coverage for 25 consecutive days, for card holders under 65 plus their spouses and dependents, while travelling outside their home province. Three days of coverage for card holders over 65.
• Trip cancellation/trip interruption insurance: Card holders and their immediate family are eligible to $1,500 each for travel expenses (up to $10,000) when at least 75% of trip expenses were put on the Scotiabank Passport Visa Infinite card.
• Flight delay insurance: Charge 75% of your trip expenses to this card and you’ll be covered up to $500 for hotels, meals and emergency items in the event your flight is delayed.
• Delayed and lost baggage insurance: If you pay the full cost of your travel ticket, you’re covered up to $1,000 in the event your luggage is lost or delayed.
• Travel accident insurance: If three quarters of your trip was bought on the Scotiabank Passport Visa Infinite, you and your immediate family are insured against accidental loss of life up to $500,000 (or $1,000,000 total, per occurrence). 
• Rental car collision loss/damage insurance: Rent a car fully on your Visa Infinite and you’re fully covered (unless the vehicle you rented is valued at more than $65,000). Just make sure to waive the dealer’s insurance offering.
• Hotel/motel burglary insurance: Use this card to book a hotel or motel and you’ll have up to $1,000 in coverage in case your room is broken into and your stuff is stolen.
• Purchase security and extended warranty protection: Most items purchased on this card receive 90 days of coverage up to $60,000 from the date of purchase, and they also double the manufacturer's warranty for up to a year.

• Free airport lounge visits a year through the Visa Airport Companion Program
• Discounted car rentals through Avis
• Other Visa Infinite perks including concierge service and Dining and Wine Country program

Visa Infinite credit cards offer a range of travel perks, making them a top choice for frequent travelers. Here’s a quick breakdown of the benefits:

• 🏢 Luxury hotels: A Visa Infinite card can open a lot of (expensive) doors for a fraction of the cost. Take, for example, the Luxury Hotel & Resort Collection program. With your Visa Infinite card, your reservation at any of the 1,000 qualifying hotels will include.

• 🍤 Dining perks: Exclusive access to the Visa Infinite Dining series which includes special access to fine dining experiences and wineries across Canada.
• 💎 Concierge services: One of the standout perks of Visa Infinite credit cards is the concierge service, which acts as your personal assistant around the clock. Whether you need help booking a hotel, planning an event, ordering gifts, or finding hard-to-get items, the concierge has you covered. This complimentary service makes it easy to manage travel arrangements and secure reservations with just a phone call.
• 🛫 Travel perks: Travel perks are where Visa Infinite really shines, offering a host of benefits to make your trips more enjoyable and stress-free. You’ll get a free Air Canada companion ticket for Economy flights within North America, plus a free first checked bag on Air Canada flights. You can also use points to book flights, hotel stays, and car rentals instead of paying cash. To top it all off, Visa Infinite cards come with extensive travel insurance, including coverage for medical emergencies, trip cancellations, lost or delayed baggage, and auto rental collisions. 

Visa Infinite cards are packed with perks for travelers, foodies and wine lovers alike. Be sure to check your specific card’s terms to make the most of these benefits!

Two Visa Infinite’s head to head! The RBC Avion has a slightly lower annual fee, but notably doesn’t waive it for the first year (sorry churners). Still, it comes with a good welcome bonus.

The RBC Avion card is more focused on travel, and will definitely redeem better for it than the Scotiabank card. But the Scotiabank Visa Infinite also is better for earning in daily spending categories. I’d say for purist travellers go Avion, and for people who want to earn points the old fashioned way and redeem them a few different ways, lean Scotiabank.

Disclosure:

The Scotiabank Platinum American Express definitely feels like the big brother of the Visa Infinite. It’s got a big ‘ole annual fee but that comes with a bunch of perks including lounge stays, Amex perks, and a decent welcome bonus in the first year. But, given it’s twice as expensive as the Visa Infinite does the Scotiabank Amex Platinum offer twice as much value? I don’t think so – more points, more lounge access, and extra points on all eligible purchases doesn’t quite justify its price tag for me. Oh, and no first year free!

Disclosure: