Independent ClearFin review · Scotiabank · Visa
Start with up to 60,000 Scene+ points, worth about $600.
Current new-cardmember offer
Certificate terms apply
🌍 No FX FeesIts strongest published earn rate in our data is 3.0% on groceries. The $150 annual fee should be weighed against the rewards and benefits you expect to use.
Checked 2026-08-09 · Product page and insurance certificateNew cardmembers can earn up to 60,000 Scene+ points by completing the steps below.
The issuer currently advertises up to $1,500 in first-year value when the offer and selected card benefits are combined. Full offer terms apply.
Confirm final approval criteria and current rates directly with the issuer.
The Scotiabank Passport Visa Infinite + Card is a premium travel rewards product requiring a strong credit profile and stable financial history.
ClearFin estimate on Canada's 300–900 scale. This is not an issuer cutoff or approval guarantee; lenders may use different bureau scores and underwriting criteria. Scotiabank does not publish a minimum credit score. Approval is based on income eligibility, credit history, debt-to-income ratio, and overall financial strength.
Reward limits: The Scotiabank Passport Visa Infinite + Card does not apply traditional category-based cashback caps. Instead, earning is structured through Scene+ points multipliers and a minimum annual spend requirement for the bonus tier.
annual_bonus_thresholdAnnual 10,000 Scene+ point bonus requires $40,000 annual eligible spend; this acts as a milestone threshold rather than a hard cap on base earn rates.
category_multipliers_uncappedStandard Scene+ earn rates (1x base, 2x–4x category multipliers depending on spend type and booking channel) are uncapped on day-to-day purchases.
promotion_limitsWelcome bonus Scene+ points are subject to separate minimum spend milestones ($2,000 in 3 months, $10,000 in 6 months) and are not part of ongoing earn structure.
Redemption values and availability may vary by option and can change.
Redeem Scene+ points with participating grocery, entertainment, dining, and retail partners.
Use eligible Scene+ points toward travel booked through the program; redemption values and availability vary.
Consider these extras by the value they add to purchases and experiences you already use.
No Foreign Transaction Fees
Pay 0% FX fees on foreign currency purchases, saving the typical 2.5% markup on international transactions.
Airport Lounge Access
Includes 6 complimentary airport lounge visits per year through the Visa Airport Companion program, with access to 1,200+ lounges globally.
Comprehensive Travel Insurance
Includes emergency medical coverage up to $2 million, trip cancellation/interruption, flight delay, baggage loss/delay, and travel accident insurance.
Travel & Hotel Perks
Access to Visa Infinite Luxury Hotel Collection benefits such as room upgrades, late checkout, and VIP guest status at select properties.
Car Rental Savings
Up to 25% discount on Avis and Budget rentals in Canada and the U.S. plus Preferred Plus membership benefits.
Fuel Savings Program
Earn up to 10¢ per litre value at Shell stations when linked with eligible Scotiabank programs.
Annual Scene+ Bonus
Earn 10,000 bonus Scene+ points annually when spending $40,000 on the card.
Premium Visa Infinite Services
Includes 24/7 concierge services for travel, dining, event booking, and exclusive Visa Infinite experiences.
9 coverages listed. Key terms are summarized below; full certificate terms apply.
Up to $2,000,000 per insured person per trip; 25 days for cardmembers age 64 and under and 3 days for age 65 and over.
Up to $1,500 per insured person, to a maximum of $10,000 per trip.
Up to $2,500 per insured person, to a maximum of $10,000 per trip.
Up to $500 per insured person per trip, subject to certificate terms.
Up to $1,000 per trip, subject to certificate terms.
Up to $1,000 per burglary occurrence, subject to certificate terms.
Eligible rentals up to 48 days; limited to vehicles valued up to $65,000, subject to certificate terms.
Up to $500,000 per insured person and $1,000,000 per occurrence.
Most eligible new items are protected for 90 days against loss, theft or damage; the original manufacturer warranty may be doubled for up to one additional year, subject to a $60,000 lifetime maximum.
Coverage is subject to eligibility, exclusions, limits, payment requirements, and claim rules in the insurance certificate.
Review official insurance details ↗What we like
Worth noting
A practical reading of where the card earns, what the fee buys, and which limits matter.
3x Scene+ at Sobeys & participating grocers. 2x on dining, entertainment & transit. 1x everything else. No FX fees.
Groceries receive the strongest estimated return at 3.0%. Purchases outside the accelerated categories earn an estimated 1.0%.
Using the strongest estimated category return alone, roughly $5,000 in annual spending at that rate would equal the $150 fee before considering the value of insurance, partner benefits, or a welcome offer.
This card is most relevant for someone who spends consistently on groceries and dining and can use enough of the included value to justify the yearly cost.
Compare the purchase interest rate, foreign-transaction fee, approval requirements, reward limits, and insurance certificates. Pay particular attention to merchant-category rules because a store may not receive the reward rate its products appear to suggest.
Issuer terms apply. ClearFin is not affiliated with this provider. How we make money. Card facts were checked against the issuer's official source. Official Scotiabank Passport Visa Infinite + product page and current welcome kit/certificate checked October 11, 2026. Published annual fee, Scene+ earn structure, 35,000-point offer, six lounge passes, no-FX benefit and included insurance were verified.
