The ClearFin bottom line
🌍 No FX Fees
Its 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 · Official issuer catalogueIndependent ClearFin review · Scotiabank · Visa
Scotia Passport Visa Infinite
Start with up to 60,000 Scene+ points, worth about $600.
Independent comparisonFees includedCanadian card data
- Annual fee
- $150
- Reward type
- Scene+
- Welcome offer
- 60,000 pts
- Insurance
- Not listed
Current new-cardmember offer
Confirm with the issuer
$120cash rebate*
🌍 No FX Fees
🌍 No FX Fees
Welcome bonus
Up to 60,000 Scene+ points
New cardmembers can earn up to 60,000 Scene+ points by completing the steps below.
Offer details
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.
How you earn
- Earn Scene+ points on every eligible purchase, with accelerated earn rates in travel, dining, entertainment, groceries, and transit categories
- Earn 1 Scene+ point per $1 on general purchases and higher multipliers on travel booked through Scene+ Travel (powered by Expedia)
- Earn 3 additional Scene+ points per $1 when booking hotels and car rentals through Scene+ Travel platform
- Points can be redeemed for travel, statement credits, groceries, entertainment, and more via Scene+ program
- No foreign transaction fee (0%) on purchases made in foreign currencies, saving the typical 2.5% markup
- Annual 10,000 Scene+ bonus points available when spending $40,000 annually on the card
- Flexible redemption with minimum thresholds as low as 1,000 points for small statement credits or rewards
Costs and requirements
Fees & eligibility
Confirm final approval criteria and current rates directly with the issuer.
Annual fee$150
Purchase interest20.99%
Cash advance interest22.99%
Foreign transaction fee0%
Income requirement$60,000Issuer approval criteria apply
Additional card$50
Household income$100,000Alternative minimum
Recommended credit score700+ Good to Excellent Credit
The Scotiabank Passport Visa Infinite + Card is a premium travel rewards product requiring a strong credit profile and stable financial history.
300Poor
560Fair
660Good
725Very Good
760Excellent
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.
Using your rewards
Redemption options
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.
Beyond the points
Benefits that come with the card
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.
Protection included
Insurance at a glance
No included coverage is verified in ClearFin's current catalogue.
Insurance is not currently listed for this product.
This does not prove that coverage is unavailable. Confirm the issuer's current certificate and benefit guide before relying on protection.
Check the official card page ↗The verdict
What we like
- No foreign transaction fees (0%) making it highly competitive for travel and international online spending
- Strong travel value with 6 complimentary airport lounge visits and extensive travel insurance coverage
- High flexibility in rewards via Scene+ points, redeemable for travel, groceries, entertainment, and statement credits
Worth noting
- Annual fee of $150 (unless waived through eligible Scotiabank banking packages)
- Requires strong income eligibility ($60K personal or $100K household) limiting accessibility
- Rewards earn rate is moderate compared to some category-specific cashback or premium travel cards
ClearFin analysis
Our detailed review
A practical reading of where the card earns, what the fee buys, and which limits matter.
🌍 No FX Fees
3x Scene+ at Sobeys & participating grocers. 2x on dining, entertainment & transit. 1x everything else. No FX fees.
How the rewards work
Groceries receive the strongest estimated return at 3.0%. Purchases outside the accelerated categories earn an estimated 1.0%.
What the annual cost means
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.
Who it may suit
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.
What to examine before applying
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.
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Issuer terms apply. ClearFin is not affiliated with this provider. How we make money. Card facts were checked against the issuer's official source. The issuer's current catalogue was checked. Any field not explicitly listed remains marked as unverified rather than estimated.