The ClearFin bottom line
✈️ Premium Travel
Its strongest published earn rate in our data is 3.0% on travel. The $599 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 Privilege
Start with up to 80,000 Scene+ points in the first 14 months, worth about $800.
Independent comparisonFees includedCanadian card data
- Annual fee
- $599
- Reward type
- Scene+
- Welcome offer
- 80,000 pts
- Insurance
- Not listed
Current new-cardmember offer
Confirm with the issuer
$175cash rebate*
✈️ Premium Travel
✈️ Premium Travel
Welcome bonus
Up to 80,000 Scene+ points in the first 14 months
New cardmembers can earn up to 80,000 Scene+ points in the first 14 months by completing the steps below.
Offer details
New-account eligibility, spending, timing and account-standing conditions apply.
How you earn
- Earn up to 6 Scene+ points per $1 on eligible purchases
- Earn 3 Scene+ points per $1 on travel purchases
- Earn an additional 3 Scene+ points per $1 on hotels and car rentals booked through Scene+ Travel (Expedia platform)
- Earn 2 Scene+ points per $1 on dining and entertainment purchases
- Earn 1 Scene+ point per $1 on all other eligible purchases
- Points can be redeemed for travel, statement credits, groceries, entertainment, and gift cards through Scene+
- 80,000 bonus Scene+ points welcome offer (up to ~$800 value) when spending milestones are met
- Annual 10,000 Scene+ bonus points when $40,000 annual spend requirement is met
Costs and requirements
Fees & eligibility
Confirm final approval criteria and current rates directly with the issuer.
Annual fee$599
Purchase interest20.99%
Cash advance interest22.99%
Foreign transaction fee0%
Income requirement$150,000Issuer approval criteria apply
Household income$200,000Alternative minimum
Recommended credit score700+ Good to Excellent Credit (Premium Tier)
Premium travel credit card requiring strong financial profile and established credit 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 fixed score requirement. Approval depends on income eligibility, debt levels, credit history length, and overall financial strength.
Reward limits: The Passport Visa Infinite Privilege Card does not use traditional cashback-style caps. Instead, rewards are driven by uncapped Scene+ earn rates with tiered multipliers and milestone-based bonuses.
milestone_bonus_thresholdAnnual 10,000 Scene+ point bonus requires $40,000 in eligible annual spend.
uncapped_base_earnBase earn rates (1x–6x Scene+ points depending on category and booking channel) are uncapped on day-to-day spending.
welcome_bonus_structure80,000 Scene+ point welcome bonus is earned in staged spend milestones ($3,000 in 3 months, $20,000 in 6 months, and qualifying purchase in month 14).
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
0% FX fees on foreign currency purchases, meaning you only pay the Visa exchange rate without the typical 2.5% markup.
Airport Lounge Access
10 complimentary airport lounge visits per cardholder per year through Visa Airport Companion, with access to 1,200+ lounges globally.
Annual Travel Credit
$250 annual statement credit when booking travel through Scene+ Travel (Expedia-powered platform).
Extensive Travel Insurance Package
Includes emergency medical coverage up to $5M, trip cancellation/interruption, flight delay, baggage loss/delay, hotel burglary, and rental car insurance.
Premium Travel & Lifestyle Perks
Access to Visa Infinite Luxury Hotel Collection, Relais & Châteaux benefits, TIFF perks, wine country experiences, and exclusive dining events.
Car Rental & Travel Privileges
Avis President’s Club membership with upgrades, skip-the-line benefits, and up to 25% rental discounts.
Concierge Services
24/7 Visa Infinite Privilege concierge for travel planning, dining reservations, events, and lifestyle requests.
Fuel & Partner Savings
Up to 10¢/L value at Shell stations when linked with eligible Scotiabank programs.
Show all 9 benefitsShow fewer
Mobile & Purchase Protection
Mobile device insurance up to $1,000 plus purchase security (180 days) and extended warranty coverage up to 2 additional years.
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
- Pros: No foreign transaction fees (0%) makes it highly efficient for global spending and travel
- Pros: Very strong travel package including 10 lounge visits per year, airport perks, and luxury hotel benefits
- Pros: High-tier rewards structure with up to 6x Scene+ points plus strong travel redemption flexibility
Worth noting
- Cons: Very high annual fee ($599), making it only suitable for high spenders or frequent travelers
- Cons: Strict income requirement ($150K personal / $200K household / $400K assets) limits accessibility
- Cons: Rewards value is tied to Scene+ ecosystem, which may be less flexible than pure cash-back or transferable point programs
ClearFin analysis
Our detailed review
A practical reading of where the card earns, what the fee buys, and which limits matter.
✈️ Premium Travel
3x Scene+ on travel. Up to 6x on hotels & car rentals via Scene+ Travel. 2x on dining & entertainment.
How the rewards work
Travel 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 $20,000 in annual spending at that rate would equal the $599 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 travel 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.