Scotiabank Passport Visa Infinite Card Review (Feb 2023)

January 12, 2023
Reviews
scotiabank

The Scotiabank Passport Visa Infinite Card is a personal travel credit card that comes with comprehensive travel and purchase coverage plus one of the best Scene+ points earn rates. As a new cardholder, you can earn up to 40,000 Scene+ points in your first year, plus 3 Scene+ points on qualifying purchases and 1 Scene+ point on all other purchases.

The Scotiabank Passport Visa Infinite Card has an annual fee of $150 and includes access to Visa Infinite travel benefits like Visa Infinite Concierge, Visa Infinite Hotel Collection, and the Visa Infinite Dining Series. Additionally, you'll get 6 complimentary airport lounge passes every year and a 25% discount on Avis car rentals.

What Is The Scotiabank Passport Visa Infinite Card?

The Scotiabank Passport Visa Infinite Card is a premium travel credit card issued by Scotiabank – one of the largest banks in Canada – and designed for frequent travelers. The Scotiabank Passport Visa Infinite Card has an annual fee of $150, and it doesn't charge foreign exchange fees when purchasing abroad or online.

With this card, you can earn up to 40,000 Scene+ points in your first year; that is 30,000 Scene+ points from daily eligible purchases in the first 3 months, and 10,000 Scene+ points if you spend at least $40,000 within the first 12 months of creating your account.

The Scotiabank Passport Visa Infinite Card is part of the Visa Infinite series and comes with exclusive access to the Visa Infinite Luxury Hotel Collection, Visa Infinite Concierge, and more.

Scotiabank Passport Visa Infinite Card Features

#1 No Foreign Transaction Fees

The Scotiabank Passport Visa Infinite Card is a great option for frequent travelers and individuals that travel frequently; with this card, you won't pay foreign transaction fees when you make online purchases or purchases outside of Canada.

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#2 Earn 40,000 Scene+ Points In Your First Year

New cardholders are entitled to up to 40,000 Scene+ welcome bonus points. Here's the breakdown:

  • 30,000 Scene+ bonus points for $1,000 spent on daily eligible purchases in the first three months
  • 10,000 Scene+ bonus points for $40,000 spent on everyday eligible purchases in the first year

#3 Earn 3 Scene+ Points Per $1 Spent On Qualifying Purchases

With the Scotiabank Passport Visa Infinite Card you can earn Scene+ points on most purchases. Here are the eligible categories:

  • 3 Scene+ points for every $1 spent at participating food merchants such as Safeway, Foodland, Sobeys, and more
  • 2 Scene+ points for every $1 spent on qualifying grocery stores and dining
  • 2 Scene+ points for every $1 spent on qualifying entertainment purchases
  • 2 Scene+ points for every $1 spent on qualifying daily transit options
  • 1 Scene+ point for every $1 spent on everything else

#4 Comprehensive Travel And Purchase Coverage

The Scotiabank Passport Visa Infinite Card protects offers comprehensive medical coverage coverage when traveling abroad plus flight, and rental car insurance. Here are all the eligible categories:

  • Flight Delay Insurance offers reimbursement for the involved expenses affected by the delay
  • Travel Emergency Medical Insurance provides up to $2,000,000 for emergency medical coverage
  • Trip Cancellation / Trip Interruption Insurance provides up to $1,500 (maximum $10,000 for each trip) per individual for canceled trips and up to $2,500 (maximum $10,000 for each trip) per individual for trip interruption.
  • Rental Car Collision Loss/Damage Insurance automatically covers your car rentals if it's damaged or stolen
  • Delayed and Lost Baggage Insurance offers a maximum of $1,000 coverage for stolen baggage and $1,000 for delayed baggage 
  • Purchase Security & Extended Warranty Protection offers 90 days of coverage on eligible items with a doubled manufacturer’s warranty of up to one year and a maximum lifetime liability of $60,000
  • Hotel/Motel Burglary Insurance provides up to $1,000 in reimbursement if someone broke into your room
  • Travel Accident Insurance offers up to a maximum of $500,000 (maximum of $1,000,000 per occurrence) against dismemberment and accidental loss of life.

#5 Access Exclusive Visa Infinite Travel Benefit

All Scotiabank Passport Visa Infinite Card holders gain immediate access to the Visa Infinite series of travel benefits, including:

  • Visa Infinite Concierge Service assists you 24/7 in booking restaurants, trip planning, and more
  • Visa Infinite Hotel Collection offers discounts, automatic room upgrades, and wi-fi in your hotel room 
  • Visa Infinite Dining and Wine Country program entitles you to try sophisticated, and the biggest names in food and wine in private

#6 Get Up To 25% Discount From Avis Car Rentals

The Avis Car Rentals offer complimentary upgrades and up to 25% discounts on your car rentals if you pay using your Scotiabank Passport Visa Infinite Card.

#7 Complimentary Airport Lounge Access

Get six annual complimentary airport lounge access with Visa Airport Companion Program. You can access 1,200 airport lounges worldwide, including the Plaza Premium Lounges. To access the lounges, you just need to present your Scotiabank Passport Visa Infinite Card. 

Scotiabank Passport Visa Infinite Card Pros And Cons

Pros

  • No foreign transaction fees 
  • Earn generous welcome bonus points (up to 40,000 Scene+ points)
  • Earn up to 3 Scene+ points for every eligible purchase
  • Comprehensive travel and purchase insurance coverage
  • Up to 25% discount from Avis car rentals
  • Get six annual complimentary airport lounge access
  • Exclusive access to Visa Infinite travel benefit

Cons

  • High-income requirements 
  • Rewards are not equal to the required monthly spend

Pricing

The Scotiabank Passport Visa Infinite Card has an annual fee of $150, and here are all the other fees you should consider: 

FeesCost/Rate
Primary Card$150/year
Supplementary Card$0
Additional Card$50/each per year
Interest Rate20.99% on purchases
22.99% on cash advances, balance transfers, Scotia Credit Card Cheques, and cash-like transactions
Minimum Credit Limit$5,000
Dishonoured Payment$48
Non-sufficient Funds $48
Overlimit $29
Balance Transfer $5
Cash Advance counter fee (any financial institutions in Canada)$5
Cash Advance counter fee (any financial institutions outside Canada)$7
Cash Advance fee (including cash-like transactions)$5

Eligibility

Before you can get the Scotiabank Passport Visa Infinite Card, you must have at least one of these:

  • $60,000 personal annual income 
  • $100,000 annual household income
  • $250,000 minimum assets under management

In Summary

The Scotiabank Passport Visa Infinite Card is a personal travel credit card that comes with comprehensive travel and purchase coverage plus one of the best Scene+ points earn rates. As a new cardholder, you can earn up to 40,000 Scene+ points in your first year, plus 3 Scene+ points on qualifying purchases and 1 Scene+ point on all other purchases.

The Scotiabank Passport Visa Infinite Card has an annual fee of $150 and includes access to Visa Infinite travel benefits like Visa Infinite Concierge, Visa Infinite Hotel Collection, and the Visa Infinite Dining Series. Additionally, you'll get 6 complimentary airport lounge passes every year and a 25% discount on Avis car rentals.

Scotiabank Passport Visa Infinite Card FAQs

How much does a Scotiabank Passport Visa Infinite Card cost?

The Scotiabank Passport Visa Infinite Card has an annual fee of $150. Other than this fee, the bank must pay other fees, such as additional cards for $50 and transaction fees for a balance transfer, overlimit, and more. 

Is the Scotiabank Passport Visa Infinite Card worth it?

Yes, the Scotiabank Passport Visa Infinite Card is worth it. It has no foreign transaction fees and carries a high welcome bonus and strong insurance coverage protection. It is also considered a premium travel credit card because of its Visa Infinite level. 

Is the Scotiabank Passport Visa Infinite Card safe?

Yes, the Scotiabank Passport Visa Infinite Card is safe. Scotiabank guarantees cardholders reliable security protection of their credit cards and system in each transaction. 

Is the Scotiabank Passport Visa Infinite Card legit?

Yes, the Scotiabank Passport Visa Infinite Card is legit. It is a premium card that several Canadians use. Additionally, it is issued by one of the biggest banks in Canada, Scotiabank. 

What are the benefits of a Visa Infinite Card?

Some significant benefits of Visa Infinite Cards are comprehensive insurance coverage, worldwide travel benefits, rewards, and more. 

What is the limit of Visa Infinite Credit Cards?

The typical credit limit for Visa Infinite credit cards is $10,000. The card issuer will determine your credit limit depending on your qualifications. 

What is the highest tier of Visa Credit Cards?

The highest level of Visa Card is Visa Infinite. It is above the tiers of Visa Signature and Visa Traditional. With its high-income requirements, it is also recognized as one of the most intricate Visa cards to get. 

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